Highest Rated · Waukegan
Top-Rated Insurance Agents in Waukegan, IL
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 19 insurance agents in Waukegan, IL by verified customer ratings and review volume. The highest-rated is Manuel Torres - State Farm Insurance Agent with a 4.9-star rating from 695 verified reviews. Also in the top tier: Illinois Vehicle Auto Insurance and Freeway Insurance. The average rating across all listed insurance agents in Waukegan is 4.6 stars from 202 reviews per business on average.
Insurance in Waukegan: 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
19
Businesses listed
4.6★
Avg rating
202
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Manuel Torres - State Farm Insurance Agent
1520 Washington St, Waukegan, IL 60085, USA
Illinois Vehicle Auto Insurance
3026 Belvidere Rd, Waukegan, IL 60085, USA
Freeway Insurance
701 N Lewis Ave, Waukegan, IL 60085, USA
Insurance Agents Rankings in Waukegan, IL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Manuel Torres - State Farm Insurance Agent1520 Washington St, Waukegan, IL 60085, USA | 4.9★ | 695 |
| #2 | Illinois Vehicle Auto Insurance3026 Belvidere Rd, Waukegan, IL 60085, USA | 4.8★ | 778 |
| #3 | Freeway Insurance701 N Lewis Ave, Waukegan, IL 60085, USA | 4.8★ | 480 |
| #4 | Nauta Insurance Agency Inc2111 Washington St, Waukegan, IL 60085, USA | 4.2★ | 71 |
| #5 | Martinez Insurance Group2243 Belvidere Rd, Waukegan, IL 60085, USA | 4.6★ | 105 |
| #6 | Need Insurance Plus More229 S Green Bay Rd, Waukegan, IL 60085, USA | 4.5★ | 50 |
| #7 | Talro Insurance Inc1055 N Green Bay Rd, Waukegan, IL 60085, USA | 3.9★ | 107 |
| #8 | Silvia V Chacon Agency Inc American Family Insurance2009 N Green Bay Rd, Waukegan, IL 60087, USA | 4.9★ | 224 |
| #9 | Magnum Insurance Agency2312 Grand Ave, Waukegan, IL 60087, USA | 4.2★ | 66 |
| #10 | ANGUIANO INSURANCE AGENCY & TAX2106 Grand Ave, Waukegan, IL 60085, USA | 5.0★ | 11 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Waukegan
Nauta Insurance Agency Inc
2111 Washington St, Waukegan, IL 60085, USA
Martinez Insurance Group
2243 Belvidere Rd, Waukegan, IL 60085, USA
Need Insurance Plus More
229 S Green Bay Rd, Waukegan, IL 60085, USA
Talro Insurance Inc
1055 N Green Bay Rd, Waukegan, IL 60085, USA
Silvia V Chacon Agency Inc American Family Insurance
2009 N Green Bay Rd, Waukegan, IL 60087, USA
Magnum Insurance Agency
2312 Grand Ave, Waukegan, IL 60087, USA
ANGUIANO INSURANCE AGENCY & TAX
2106 Grand Ave, Waukegan, IL 60085, USA
Tim Vinson - State Farm Insurance Agent
2730 Grand Ave, Waukegan, IL 60085, USA
Progressive Authorized Agent Elizabeth Vaca
229 S Green Bay Rd, Waukegan, IL 60085, USA
Farmers Insurance - Daniel Cahue
102 S Genesee St, Waukegan, IL 60085, USA
Seguros Tepeyac | Tepeyac Insurance Agency
1820 Washington St, Waukegan, IL 60085, USA
Maylen Torres - State Farm Insurance Agent
318 S Green Bay Rd, Waukegan, IL 60085, USA
Farmers Insurance - Adrian Rivas Salgado
927 W Glen Flora Ave, Waukegan, IL 60085, USA
Cunningham Insurance Agency
1101 Chestnut St, Waukegan, IL 60085, USA
Northwest Insurance Network
328 S Green Bay Rd, Waukegan, IL 60085, USA
Alamo Insurance & Financial Service
2744 Grand Ave, Waukegan, IL 60085, USA
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Frequently Asked Questions — Insurance Agents in Waukegan
What is the difference between a captive and independent insurance agent in Waukegan?
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 IL?
Search the IL Department of Insurance's online license lookup — Google "IL 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 IL must be licensed with the state.
How much does working with a local insurance agent in Waukegan 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 Waukegan?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Waukegan 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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