Real Reviews · Waldorf
Top-Reviewed Insurance Agents in Waldorf, MD
What are customers actually saying? Read verified reviews for insurance agents in Waldorf — every rating is from a real customer.
As of June 2026, RatingsNearMe ranks 20 insurance agents in Waldorf, MD by verified customer ratings and review volume. The highest-rated is Philip Watson - State Farm Insurance Agent with a 4.9-star rating from 253 verified reviews. 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
63
Avg reviews
Jun 1, 2026
Last updated
Top Rated Insurance Agents
Philip Watson - State Farm Insurance Agent
515 Charles St, La Plata, MD 20646, USA
Jane Staples - State Farm Insurance Agent
173 St Patricks Dr Ste 101, Waldorf, MD 20603, USA
Webster Insurance Services
130A Rosewick Rd, La Plata, MD 20646, USA
Insurance 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 | Trevant Insurance Agency2255 Crain Hwy STE 203, Waldorf, MD 20601, USA | 5.0★ | 72 |
| #5 | Hugh R.A. Stewart Insurance Agency3050 Crain Hwy #301A, Waldorf, MD 20601, USA | 4.9★ | 26 |
| #6 | Allstate Insurance: Bill Waugh & Associates3141 Old Washington Rd, Waldorf, MD 20602, USA | 4.6★ | 81 |
| #7 | Julian Coates - State Farm Insurance Agent3580 Old Washington Rd, Waldorf, MD 20602, USA | 5.0★ | 78 |
| #8 | McConkey Insurance Agency2255 Crain Hwy STE 201, Waldorf, MD 20601, USA | 4.3★ | 6 |
| #9 | TOMASKO ENTERPRISES INC - INSURANCE2 Post Office Rd #2a, Waldorf, MD 20602, USA | 5.0★ | 11 |
| #10 | Public Insurance Maryland30 Industrial Park Dr, Waldorf, MD 20602, USA | 5.0★ | 4 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Waldorf
Trevant Insurance Agency
2255 Crain Hwy STE 203, Waldorf, MD 20601, USA
Hugh R.A. Stewart Insurance Agency
3050 Crain Hwy #301A, Waldorf, MD 20601, USA
Allstate Insurance: Bill Waugh & Associates
3141 Old Washington Rd, Waldorf, MD 20602, USA
Julian Coates - State Farm Insurance Agent
3580 Old Washington Rd, Waldorf, MD 20602, USA
McConkey Insurance Agency
2255 Crain Hwy STE 201, Waldorf, MD 20601, USA
TOMASKO ENTERPRISES INC - INSURANCE
2 Post Office Rd #2a, Waldorf, MD 20602, USA
Public Insurance Maryland
30 Industrial Park Dr, Waldorf, MD 20602, USA
Waldorf SR22 Drivers Insurance Solutions
2670 Crain Hwy, Waldorf, MD 20601, USA
Buckler Insurance Agency
152 Post Office Rd, Waldorf, MD 20602, USA
Johnson Insurance Group, Inc.: Allstate Insurance
11750 Business Park Dr Ste 204, Waldorf, MD 20601, USA
Shelley's Insurance Agency, Inc.
11812 Edmont Pl, Waldorf, MD 20601, USA
Simpson's Olde Towne Insurance
7530 Crain Hwy, La Plata, MD 20646, USA
A.F. Szabo Insurance Agency Inc.
11705 Berry Rd STE 101, Waldorf, MD 20603, USA
First Insurance Group of Maryland, Inc.
101 Charles St Suite 302, La Plata, MD 20646, USA
Woody Hoyle - State Farm Insurance Agent
102 Paul Mellon Ct STE 105, Waldorf, MD 20602, USA
Oliver Mack Insurance
11865 Federal Sq, Waldorf, MD 20602, USA
Roxanne Jones - State Farm Insurance Agent
3825 Leonardtown Rd Suite 3, Waldorf, MD 20601, USA
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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 1, 2026.
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