Licensed · Torrance
Licensed & Insured Insurance Agents in Torrance, CA
Every insurance agents listed here carries proper licensing and insurance in CA. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Torrance, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Jeff Lowe - State Farm Insurance Agent with a 5.0-star rating from 942 Google reviews and an RNM Score of 88/100. Also in the top tier: Freeway Insurance and Expert Auto Home Insurance - Mercury Auto Insurance. The average rating across all listed insurance agents in Torrance is 4.9 stars from 165 reviews per business on average.
Insurance in Torrance: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Torrance, CA is home to a variety of insurance agents who can assist consumers with their insurance needs. These agents offer a range of insurance products, including auto, home, life, and business insurance. When searching for an insurance agent locally, consumers should consider factors such as experience, customer reviews, and the types of insurance offered.
- ✓Torrance, CA has a diverse selection of insurance agents
- ✓Agents offer a variety of insurance products, including auto, home, life, and business coverage
- ✓Consumers should research factors like experience, reviews, and insurance offerings when choosing an agent
Best Overall
Insurance Center Associates: C & S Insurance
It ranks as the top insurance agent in Torrance due to its strong reputation, consistent service, and broad coverage options.
Most Reviewed
Insurance Center Associates: C & S Insurance
A high number of reviews indicates sustained customer trust and a proven track record of service reliability.
Compare quotes and coverage from at least two of these top-rated agencies, and verify that the agent specializes in the type of insurance you need (auto, home, or business).
How to Choose a Insurance Agent in Torrance
What to look for
- • Local presence and knowledge of the Torrance, CA market
- • Experience working with clients in your industry or with similar insurance needs
- • Ability to explain insurance policies and coverage options in clear, easy-to-understand terms
- • Responsiveness and availability to answer questions and address concerns
Questions to ask
- • How long have you been an insurance agent, and what is your experience working with clients in Torrance?
- • What types of insurance policies and coverage options do you typically recommend for businesses/individuals like myself?
- • How will you keep me informed about my policy, coverage changes, and any updates I need to be aware of?
Red flags
- ⚠ Lack of local knowledge or experience working with clients in Torrance
- ⚠ Inability to clearly explain insurance policies and coverage options
- ⚠ Unresponsive or difficult to reach when you have questions or concerns
In California, insurance agents must be licensed by the California Department of Insurance. When evaluating potential agents, be sure to verify their license status and check for any disciplinary actions or complaints.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
165
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Torrance insurance agent with a 5.0-star rating from 942 Google reviews.
3400 Torrance Blvd #103, Torrance, CA 90503, USATrusted by hundreds of local clients, this agent maintains a stellar 4.8-star rating.
1431 W Knox St #1300, Torrance, CA 90501, USA4.9-star rating from nearly 300 Google reviews for trusted local insurance guidance.
1311 Crenshaw Blvd suite e, Torrance, CA 90501, USAInsurance Agents Rankings in Torrance, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Jeff Lowe - State Farm Insurance Agent3400 Torrance Blvd #103, Torrance, CA 90503, USA | 5.0★ | 942 |
| #2 | Freeway Insurance1431 W Knox St #1300, Torrance, CA 90501, USA | 4.8★ | 529 |
| #3 | Expert Auto Home Insurance - Mercury Auto Insurance1311 Crenshaw Blvd suite e, Torrance, CA 90501, USA | 4.9★ | 281 |
| #4 | Chris Gordon - State Farm Insurance Agent3220 Sepulveda Blvd STE 105, Torrance, CA 90505, USA | 4.9★ | 40 |
| #5 | Health Insurance in California3405 Artesia Blvd, Torrance, CA 90504, USA | 5.0★ | 7 |
| #6 | South Bay Insurance Brokers2309 Torrance Blvd, Torrance, CA 90501, USA | — | — |
| #7 | Seashore Insurance Agency, Inc.18402 Hawthorne Blvd Suite B, Torrance, CA 90504, USA | 4.3★ | 16 |
| #8 | Best California Insurance1710 Sepulveda Blvd, Torrance, CA 90501, USA | 4.9★ | 237 |
| #9 | Insurance Center Associates: C & S Insurance3220 Sepulveda Blvd #202, Torrance, CA 90505, USA | 5.0★ | 18 |
| #10 | Liberty Mutual Auto Insurance3429 Torrance Blvd, Torrance, CA 90503, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Torrance
Trusted locally with a 4.9-star rating from dozens of Google reviews.
3220 Sepulveda Blvd STE 105, Torrance, CA 90505, USA
3405 Artesia Blvd, Torrance, CA 90504, USA
18402 Hawthorne Blvd Suite B, Torrance, CA 90504, USA
Torrance insurance agent with a 4.9-star rating from 237 Google reviews.
1710 Sepulveda Blvd, Torrance, CA 90501, USA
Torrance's top-rated insurance agent with a perfect 5.0-star score from 18 reviews.
3220 Sepulveda Blvd #202, Torrance, CA 90505, USA
2601 Airport Dr #280, Torrance, CA 90505, USA
18411 Crenshaw Blvd #408, Torrance, CA 90504, USA
Top-rated Torrance insurance agent with a perfect 5.0-star rating from over 170 reviews.
2510 W 237th St STE 200, Torrance, CA 90505, USA
Trusted by hundreds of local clients with a perfect 5.0-star rating.
25550 Hawthorne Blvd STE 203, Torrance, CA 90505, USA
Trusted Torrance insurance agent with a 4.8-star rating from 118 reviews.
23133 Hawthorne Blvd STE 202, Torrance, CA 90505, USA
5.0 stars from 28 reviews, demonstrating exceptional local client satisfaction.
2356 Torrance Blvd, Torrance, CA 90501, USA
4.5 stars from 28 Google reviews, reflecting strong local client satisfaction.
3655 Torrance Blvd STE 300, Torrance, CA 90503, USA
Trusted by hundreds, this Torrance insurance agent holds a stellar 4.8-star rating.
22330 Hawthorne Blvd suite i, Torrance, CA 90505, USA
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Insurance Agents in Torrance, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Jeff Lowe - State Farm Insurance Agent | 88/100 | 5.0 ★ | 942 |
| 2 | Freeway Insurance | 85/100 | 4.8 ★ | 529 |
| 3 | Expert Auto Home Insurance - Mercury Auto Insurance | 87/100 | 4.9 ★ | 281 |
| 4 | Chris Gordon - State Farm Insurance Agent | 77/100 | 4.9 ★ | 40 |
| 5 | Health Insurance in California | 70/100 | 5.0 ★ | 7 |
| 6 | South Bay Insurance Brokers | 3/100 | — | 0 |
| 7 | Seashore Insurance Agency, Inc. | 62/100 | 4.3 ★ | 16 |
| 8 | Best California Insurance | 86/100 | 4.9 ★ | 237 |
| 9 | Insurance Center Associates: C & S Insurance | 74/100 | 5.0 ★ | 18 |
| 10 | Liberty Mutual Auto Insurance | 3/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Insurance Agents in Torrance
What is the difference between a captive and independent insurance agent in Torrance?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in CA?
Search the CA Department of Insurance's online license lookup — Google "CA Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in CA must be licensed with the state.
How much does working with a local insurance agent in Torrance cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Torrance?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Torrance adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
Insurance Agents in Nearby Cities
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How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 10, 2026.
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