Highest Rated · Troy
Top-Rated Insurance Agents in Troy, MI
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of June 2026, RatingsNearMe ranks 18 insurance agents in Troy, MI by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is E&Y Insurance Agency with a 5.0-star rating from 554 Google reviews and an RNM Score of 88/100. Also in the top tier: JPS Insurance Agency and Steven Schmitt: Allstate Insurance. The average rating across all listed insurance agents in Troy is 4.9 stars from 116 reviews per business on average.
Insurance in Troy: 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.
Troy, MI is home to a variety of insurance agents offering coverage for auto, home, life, and business needs. Consumers can find local agents representing major insurance providers who can help them compare options and find the right policy to protect their assets.
- ✓Wide selection of insurance agents in Troy, MI
- ✓Agents represent major insurance providers
- ✓Assistance comparing coverage options and finding the right policy
Best Overall
AAA Insurance - Daniel's Agency
This agency consistently ranks at the top for customer satisfaction and comprehensive coverage options in Troy.
Most Reviewed
AAA Insurance - Daniel's Agency
A high number of reviews indicates broad community trust and reliable service experience over time.
When choosing an insurance agent in Troy, compare quotes and coverage details from at least two of these top-ranked agencies to ensure you get the best value for your specific needs.
How to Choose a Insurance Agent in Troy
What to look for
- • An insurance agent with experience and expertise in the specific types of insurance you need (e.g. auto, home, life)
- • An agent who is licensed and accredited in the state of Michigan
- • An agent who is responsive, communicative, and takes the time to understand your unique needs
- • An agent who can provide a range of insurance options and quotes from multiple providers
Questions to ask
- • How long have you been an insurance agent, and what is your experience in the Troy, MI market?
- • What insurance providers do you work with, and how do you determine the best coverage and rates for my needs?
- • How will you communicate with me throughout the insurance process and after I become a client?
Red flags
- ⚠ An agent who is pushy or tries to rush you into a decision
- ⚠ An agent who is not transparent about their fees or commission structure
- ⚠ An agent who is not licensed or accredited in the state of Michigan
- ⚠ An agent who is unable to provide references or testimonials from satisfied clients
In the state of Michigan, insurance agents must be licensed by the Michigan Department of Insurance and Financial Services. When selecting an insurance agent, it's important to verify their licensing and ensure they are authorized to provide the types of insurance you need.
Local Market Snapshot
18
Businesses listed
4.9★
Avg rating
116
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
5.0-star rating from over 550 Google reviews reflects exceptional local service.
33 Bloomfield Hills Pkwy Suite 245, Bloomfield Hills, MI 48304, USAProudly serving Troy with a 4.9-star rating from over 280 Google reviews.
1111 W Long Lake Rd Suite 201, Troy, MI 48098, USA5.0 stars from 186 Google reviews, reflecting consistently exceptional customer service.
1921 W South Blvd, Troy, MI 48098, USAInsurance Agents Rankings in Troy, MI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | E&Y Insurance Agency33 Bloomfield Hills Pkwy Suite 245, Bloomfield Hills, MI 48304, USA | 5.0★ | 554 |
| #2 | JPS Insurance Agency1111 W Long Lake Rd Suite 201, Troy, MI 48098, USA | 4.9★ | 281 |
| #3 | Steven Schmitt: Allstate Insurance1921 W South Blvd, Troy, MI 48098, USA | 5.0★ | 186 |
| #4 | VTC Insurance Group1175 W Long Lake Rd # 200, Troy, MI 48098, USA | 4.3★ | 23 |
| #5 | Doeren Mayhew Insurance Group3155 W Big Beaver Rd Suite 250, Troy, MI 48084, USA | 4.9★ | 64 |
| #6 | Troy-Metro Agency2065 Livernois Rd, Troy, MI 48083, USA | 4.8★ | 106 |
| #7 | NBP ASSOCIATES1050 Wilshire Dr Ste 280, Troy, MI 48084, USA | 5.0★ | 50 |
| #8 | The Secure Agency (Troy Branch)2565 W Maple Rd, Troy, MI 48084, USA | 5.0★ | 1 |
| #9 | Lifeguard Insurance Services1775 W Big Beaver Rd, Troy, MI 48084, USA | 5.0★ | 28 |
| #10 | Sean Maher Agency: Allstate Insurance6780 Rochester Rd Ste B, Troy, MI 48085, USA | 4.7★ | 24 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Troy
Trusted Troy insurance agent with a solid 4.3-star rating from 23 reviews.
1175 W Long Lake Rd # 200, Troy, MI 48098, USA
A trusted Troy insurance agent with a 4.9-star rating from 64 Google reviews.
3155 W Big Beaver Rd Suite 250, Troy, MI 48084, USA
Known for exceptional service with a 4.8-star rating from over 100 reviews in Troy.
2065 Livernois Rd, Troy, MI 48083, USA
5.0 stars from 50 Google reviews, reflecting exceptional client satisfaction.
1050 Wilshire Dr Ste 280, Troy, MI 48084, USA
5.0 stars from 28 reviews, reflecting exceptional client satisfaction and trust.
1775 W Big Beaver Rd, Troy, MI 48084, USA
4.7 stars from 24 Google reviews, reflecting strong local customer satisfaction.
6780 Rochester Rd Ste B, Troy, MI 48085, USA
Top-rated Troy insurance agent with a perfect 5.0★ score from 176 reviews.
4101 John R Rd #500, Troy, MI 48085, USA
Trusted by hundreds of local clients, this Troy insurance agent holds a strong 4.7-star rating.
42831 Dequindre Rd, Troy, MI 48085, USA
Trusted by hundreds of local clients with a stellar 4.9-star rating.
2916 E Long Lake Rd, Troy, MI 48085, USA
Trusted Troy insurance agent with a stellar 4.9★ rating from 82 Google reviews.
2265 Livernois Rd Ste 300, Troy, MI 48083, USA
4.8 stars from 81 Google reviews, reflecting exceptional local customer satisfaction.
2855 Coolidge Hwy #204, Troy, MI 48084, USA
4.7 stars from 80 local reviews, reflecting trusted and reliable service.
2855 Coolidge Hwy #204, Troy, MI 48084, USA
Trusted Troy insurance agent with a 4.8-star rating from 58 Google reviews.
2115 Livernois Rd, Troy, MI 48083, USA
Exceptional 5.0-star rating from 30 reviews confirms trusted local service in Troy, MI.
3155 W Big Beaver Rd Suite 125, Troy, MI 48084, USA
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Insurance Agents in Troy, MI — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | E&Y Insurance Agency | 88/100 | 5.0 ★ | 554 |
| 2 | JPS Insurance Agency | 87/100 | 4.9 ★ | 281 |
| 3 | Steven Schmitt: Allstate Insurance | 87/100 | 5.0 ★ | 186 |
| 4 | VTC Insurance Group | 64/100 | 4.3 ★ | 23 |
| 5 | Doeren Mayhew Insurance Group | 79/100 | 4.9 ★ | 64 |
| 6 | Troy-Metro Agency | 80/100 | 4.8 ★ | 106 |
| 7 | NBP ASSOCIATES | 80/100 | 5.0 ★ | 50 |
| 8 | The Secure Agency (Troy Branch) | 62/100 | 5.0 ★ | 1 |
| 9 | Lifeguard Insurance Services | 77/100 | 5.0 ★ | 28 |
| 10 | Sean Maher Agency: Allstate Insurance | 71/100 | 4.7 ★ | 24 |
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 Troy
What is the difference between a captive and independent insurance agent in Troy?
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 MI?
Search the MI Department of Insurance's online license lookup — Google "MI 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 MI must be licensed with the state.
How much does working with a local insurance agent in Troy 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 Troy?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Troy 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.
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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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