Top Picks · Waldorf
Best Insurance Agents in Waldorf, MD
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Waldorf, MD by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Philip Watson - State Farm Insurance Agent with a 4.9-star rating from 253 Google reviews and an RNM Score of 87/100. Also in the top tier: Jane Staples - State Farm Insurance Agent and Webster Insurance Services. The average rating across all listed insurance agents in Waldorf is 4.8 stars from 63 reviews per business on average.
Insurance in Waldorf: 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.
Best Overall
Allstate Insurance: Bill Waugh & Associates
Bill Waugh & Associates have consistently been recognized as a top-ranked agency in Waldorf for their comprehensive coverage options and customer service.
Most Reviewed
Woody Hoyle - State Farm Insurance Agent
A high review count indicates broad community trust and a track record of serving many clients in Waldorf.
When choosing an insurance agent in Waldorf, compare quotes from several agencies and consider both the coverage offerings and local customer service reputation; independent agencies may have access to multiple carriers.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
63
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of local clients, this agent holds a stellar 4.9-star rating.
515 Charles St, La Plata, MD 20646, USATrusted by hundreds of local clients, this Waldorf agent holds a near-perfect 4.9-star rating.
173 St Patricks Dr Ste 101, Waldorf, MD 20603, USAWaldorf insurance agent with a perfect 5.0-star rating from over 160 reviews.
130A Rosewick Rd, La Plata, MD 20646, USAInsurance Agents Rankings in Waldorf, MD
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Philip Watson - State Farm Insurance Agent515 Charles St, La Plata, MD 20646, USA | 4.9★ | 253 |
| #2 | Jane Staples - State Farm Insurance Agent173 St Patricks Dr Ste 101, Waldorf, MD 20603, USA | 4.9★ | 249 |
| #3 | Webster Insurance Services130A Rosewick Rd, La Plata, MD 20646, USA | 5.0★ | 161 |
| #4 | Allstate Insurance: Bill Waugh & Associates3141 Old Washington Rd, Waldorf, MD 20602, USA | 4.6★ | 81 |
| #5 | McConkey Insurance Agency2255 Crain Hwy STE 201, Waldorf, MD 20601, USA | 4.3★ | 6 |
| #6 | Hugh R.A. Stewart Insurance Agency3050 Crain Hwy #301A, Waldorf, MD 20601, USA | 4.9★ | 26 |
| #7 | A.F. Szabo Insurance Agency Inc.11705 Berry Rd STE 101, Waldorf, MD 20603, USA | 4.9★ | 47 |
| #8 | Johnson Insurance Group, Inc.: Allstate Insurance11750 Business Park Dr Ste 204, Waldorf, MD 20601, USA | 4.5★ | 26 |
| #9 | Julian Coates - State Farm Insurance Agent3580 Old Washington Rd, Waldorf, MD 20602, USA | 5.0★ | 78 |
| #10 | Trevant Insurance Agency2255 Crain Hwy STE 203, Waldorf, MD 20601, USA | 5.0★ | 72 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Waldorf
Boasting a strong 4.6-star rating from 81 local reviews.
3141 Old Washington Rd, Waldorf, MD 20602, USA
4.3 stars from 6 Google reviews, reflecting solid local customer satisfaction.
2255 Crain Hwy STE 201, Waldorf, MD 20601, USA
Trusted Waldorf insurance agent with a stellar 4.9-star rating from 26 reviews.
3050 Crain Hwy #301A, Waldorf, MD 20601, USA
Consistently rated 4.9 stars from nearly 50 local Google reviews.
11705 Berry Rd STE 101, Waldorf, MD 20603, USA
Trusted locally with a strong 4.5-star rating from dozens of reviews.
11750 Business Park Dr Ste 204, Waldorf, MD 20601, USA
Top-rated 5.0★ insurance agent in Waldorf with outstanding reviews from dozens of clients.
3580 Old Washington Rd, Waldorf, MD 20602, USA
Waldorf insurance agent with a perfect 5.0-star rating from over 70 Google reviews.
2255 Crain Hwy STE 203, Waldorf, MD 20601, USA
Rated 4.9 stars from 53 Google reviews, this Waldorf insurance agent is highly trusted.
7530 Crain Hwy, La Plata, MD 20646, USA
With a solid 4.0-star rating from 13 Google reviews, this agent is a trusted local choice.
152 Post Office Rd, Waldorf, MD 20602, USA
5.0 stars from 11 Google reviews—trusted local insurance agent in Waldorf.
2 Post Office Rd #2a, Waldorf, MD 20602, USA
Exceptional 5.0-star rating from a small number of Google reviews.
30 Industrial Park Dr, Waldorf, MD 20602, USA
Rated 5.0 stars from 2 Google reviews for trusted local insurance guidance.
11812 Edmont Pl, Waldorf, MD 20601, USA
Exceptional 5.0-star rating from a handful of Google reviews in Waldorf.
2670 Crain Hwy, Waldorf, MD 20601, USA
5.0 stars from 44 reviews, reflecting exceptional local client satisfaction.
3825 Leonardtown Rd Suite 3, Waldorf, MD 20601, USA
4.9-star rating from 37 reviews highlights exceptional local customer service.
102 Paul Mellon Ct STE 105, Waldorf, MD 20602, USA
Holds a strong 4.6-star rating from 62 Google reviews in Waldorf.
101 Charles St Suite 302, La Plata, MD 20646, USA
Consistently earns exceptional 4.9-star ratings from dozens of local reviews in Waldorf.
11865 Federal Sq, Waldorf, MD 20602, USA
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Insurance Agents in Waldorf, MD — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Philip Watson - State Farm Insurance Agent | 87/100 | 4.9 ★ | 253 |
| 2 | Jane Staples - State Farm Insurance Agent | 87/100 | 4.9 ★ | 249 |
| 3 | Webster Insurance Services | 86/100 | 5.0 ★ | 161 |
| 4 | Allstate Insurance: Bill Waugh & Associates | 75/100 | 4.6 ★ | 81 |
| 5 | McConkey Insurance Agency | 57/100 | 4.3 ★ | 6 |
| 6 | Hugh R.A. Stewart Insurance Agency | 75/100 | 4.9 ★ | 26 |
| 7 | A.F. Szabo Insurance Agency Inc. | 78/100 | 4.9 ★ | 47 |
| 8 | Johnson Insurance Group, Inc.: Allstate Insurance | 68/100 | 4.5 ★ | 26 |
| 9 | Julian Coates - State Farm Insurance Agent | 82/100 | 5.0 ★ | 78 |
| 10 | Trevant Insurance Agency | 82/100 | 5.0 ★ | 72 |
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 Waldorf
What is the difference between a captive and independent insurance agent in Waldorf?
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 MD?
Search the MD Department of Insurance's online license lookup — Google "MD 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 MD must be licensed with the state.
How much does working with a local insurance agent in Waldorf 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 Waldorf?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Waldorf 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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