Licensed · Universal City
Licensed & Insured Insurance Agents in Universal City, TX
Every insurance agents listed here carries proper licensing and insurance in TX. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 11 insurance agents in Universal City, TX by verified customer ratings and review volume. The highest-rated is Farmers Insurance - Jennifer Hickman with a 5.0-star rating from 670 verified reviews. Also in the top tier: Padilla Insurance Agency & Notary and Farmers Insurance - Dawn Dear. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
11
Businesses listed
4.6★
Avg rating
120
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Farmers Insurance - Jennifer Hickman
14526 Jones Maltsberger Rd #102, San Antonio, TX 78247, USA
Padilla Insurance Agency & Notary
3747 Walnut Hill Ln Suite, Dallas, TX 75229, USA
Farmers Insurance - Dawn Dear
7529 N Loop 1604 E Ste 114, Live Oak, TX 78233, USA
Insurance 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 | Farmers Insurance - Dawn Dear7529 N Loop 1604 E Ste 114, Live Oak, TX 78233, USA | 5.0★ | 43 |
| #4 | A-MAX Auto Insurance506 Pat Booker Rd, Universal City, TX 78148, USA | 4.0★ | 113 |
| #5 | Dan Hernandez - State Farm Insurance Agent1901 Pat Booker Rd, Universal City, TX 78148, USA | 4.8★ | 48 |
| #6 | John Delgado - State Farm Insurance Agent410 Pat Booker Rd, Universal City, TX 78148, USA | 4.6★ | 36 |
| #7 | Ruggero Cinquino: Allstate Insurance1001 Pat Booker Rd Ste 201, Universal City, TX 78148, USA | 3.8★ | 5 |
| #8 | Chindiaa Auto Insurance Service433 Kitty Hawk Rd #221, Universal City, TX 78148, USA | 5.0★ | 2 |
| #9 | RBFCU Insurance Agency LLC1 IKEA-RBFCU Pkwy, Live Oak, TX 78233, USA | 3.7★ | 23 |
| #10 | Mind Fresh Insurance Texas2318 Pat Booker Rd, Universal City, TX 78148, USA | 5.0★ | 7 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Universal City
A-MAX Auto Insurance
506 Pat Booker Rd, Universal City, TX 78148, USA
Dan Hernandez - State Farm Insurance Agent
1901 Pat Booker Rd, Universal City, TX 78148, USA
John Delgado - State Farm Insurance Agent
410 Pat Booker Rd, Universal City, TX 78148, USA
Ruggero Cinquino: Allstate Insurance
1001 Pat Booker Rd Ste 201, Universal City, TX 78148, USA
Chindiaa Auto Insurance Service
433 Kitty Hawk Rd #221, Universal City, TX 78148, USA
RBFCU Insurance Agency LLC
1 IKEA-RBFCU Pkwy, Live Oak, TX 78233, USA
Mind Fresh Insurance Texas
2318 Pat Booker Rd, Universal City, TX 78148, USA
Trucksure Insurance Agency LLC
3021 Sonoma Blvd, Selma, TX 78154, USA
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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.
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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: May 17, 2026.
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