Pricing Guide · Universal City
Insurance Agents Cost in Universal City, TX — 2026 Price Guide
What should you pay for insurance agents in Universal City? See real 2026 price ranges from local pros and get free quotes to compare.
As of July 2026, RatingsNearMe ranks 11 insurance agents in Universal City, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Farmers Insurance - Jennifer Hickman with a 5.0-star rating from 670 Google reviews and an RNM Score of 88/100. Also in the top tier: Padilla Insurance Agency & Notary and A-MAX Auto Insurance. The average rating across all listed insurance agents in Universal City is 4.6 stars from 120 reviews per business on average.
Insurance in Universal City: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Mind Fresh Insurance Texas
Mind Fresh Insurance Texas stands out as the top-ranked agent due to its strong reputation and customer-focused service in Universal City.
Most Reviewed
Farmers Insurance - Jennifer Hickman
A high review count indicates broad customer experience and trust, helping you gauge reliability and service consistency.
When choosing an insurance agent in Universal City, compare both online reviews and personal referrals to find an agent who matches your specific coverage needs and communication style.
Local Market Snapshot
11
Businesses listed
4.6★
Avg rating
120
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Hundreds of Google reviews rate this Universal City insurance agent a perfect 5.0 stars.
14526 Jones Maltsberger Rd #102, San Antonio, TX 78247, USAPraised by hundreds of local clients for exceptional service, with a perfect 5.0-star rating.
3747 Walnut Hill Ln Suite, Dallas, TX 75229, USAConsistently rated 4.0 stars from over 100 local Google reviews.
506 Pat Booker Rd, Universal City, TX 78148, USAInsurance Agents Rankings in Universal City, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Farmers Insurance - Jennifer Hickman14526 Jones Maltsberger Rd #102, San Antonio, TX 78247, USA | 5.0★ | 670 |
| #2 | Padilla Insurance Agency & Notary3747 Walnut Hill Ln Suite, Dallas, TX 75229, USA | 5.0★ | 371 |
| #3 | A-MAX Auto Insurance506 Pat Booker Rd, Universal City, TX 78148, USA | 4.0★ | 113 |
| #4 | Mind Fresh Insurance Texas2318 Pat Booker Rd, Universal City, TX 78148, USA | 5.0★ | 7 |
| #5 | Trucksure Insurance Agency LLC3021 Sonoma Blvd, Selma, TX 78154, USA | 5.0★ | 2 |
| #6 | RBFCU Insurance Agency LLC1 IKEA-RBFCU Pkwy, Live Oak, TX 78233, USA | 3.7★ | 23 |
| #7 | Dan Hernandez - State Farm Insurance Agent1901 Pat Booker Rd, Universal City, TX 78148, USA | 4.8★ | 48 |
| #8 | Farmers Insurance - Dawn Dear7529 N Loop 1604 E Ste 114, Live Oak, TX 78233, USA | 5.0★ | 43 |
| #9 | Ruggero Cinquino: Allstate Insurance1001 Pat Booker Rd Ste 201, Universal City, TX 78148, USA | 3.8★ | 5 |
| #10 | Chindiaa Auto Insurance Service433 Kitty Hawk Rd #221, Universal City, TX 78148, USA | 5.0★ | 2 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Universal City
Earns a perfect 5.0-star rating from 7 local Google reviews.
2318 Pat Booker Rd, Universal City, TX 78148, USA
5.0★ from 2 reviews, reflecting exceptional local service in Universal City.
3021 Sonoma Blvd, Selma, TX 78154, USA
Local agent with 3.7 stars from 23 reviews for Universal City insurance.
1 IKEA-RBFCU Pkwy, Live Oak, TX 78233, USA
Trusted Universal City insurance agent with a 4.8-star rating from 48 reviews.
1901 Pat Booker Rd, Universal City, TX 78148, USA
This local insurance agent holds a perfect 5.0-star rating from over 40 Google reviews.
7529 N Loop 1604 E Ste 114, Live Oak, TX 78233, USA
A local insurance agent with a 3.8-star rating based on five Google reviews.
1001 Pat Booker Rd Ste 201, Universal City, TX 78148, USA
Rated 5.0 stars from 2 reviews, this Universal City insurance agent is highly regarded.
433 Kitty Hawk Rd #221, Universal City, TX 78148, USA
Shoppers praise this agent's reliable service, reflected in a strong 4.6-star rating from 36 reviews.
410 Pat Booker Rd, Universal City, TX 78148, USA
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Insurance Agents in Universal City, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Farmers Insurance - Jennifer Hickman | 88/100 | 5.0 ★ | 670 |
| 2 | Padilla Insurance Agency & Notary | 88/100 | 5.0 ★ | 371 |
| 3 | A-MAX Auto Insurance | 67/100 | 4.0 ★ | 113 |
| 4 | Mind Fresh Insurance Texas | 70/100 | 5.0 ★ | 7 |
| 5 | Trucksure Insurance Agency LLC | 64/100 | 5.0 ★ | 2 |
| 6 | RBFCU Insurance Agency LLC | 53/100 | 3.7 ★ | 23 |
| 7 | Dan Hernandez - State Farm Insurance Agent | 76/100 | 4.8 ★ | 48 |
| 8 | Farmers Insurance - Dawn Dear | 79/100 | 5.0 ★ | 43 |
| 9 | Ruggero Cinquino: Allstate Insurance | 48/100 | 3.8 ★ | 5 |
| 10 | Chindiaa Auto Insurance Service | 64/100 | 5.0 ★ | 2 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Insurance Agents in Universal City
What is the difference between a captive and independent insurance agent in Universal City?
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 TX?
Search the TX Department of Insurance's online license lookup — Google "TX 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 TX must be licensed with the state.
How much does working with a local insurance agent in Universal City 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 Universal City?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Universal City 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
Compare top-rated insurance agents in cities near you.
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: July 4, 2026.
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