Insurance Agents near you
Licensed insurance agents for life, home, auto, and business coverage — independent vs. captive, compared.
34,000 monthly searches · credential: State-licensed
What insurance agents do
Insurance agents help you choose and buy the right coverage — life, health, home, auto, and business. Independent agents compare multiple carriers; captive agents represent one company.
How to choose
- Check the state license with your insurance department.
- Decide independent (multi-carrier) vs. captive (one brand).
- Ask how they’re paid (commission vs. fee).
- Confirm they review your coverage annually.
What it costs
Agents are usually paid by carrier commission, so their advice is typically free to you. Some fee-based advisors charge for standalone insurance reviews.
Find insurance agents by city
Compare local professionals in your metro:
Sample listings
Featured insurance agents
State-licensed
State-licensed
State-licensed
State-licensed
State-licensed
State-licensed
State-licensed
Insurance Agents: frequently asked questions
What's the difference between an independent and captive insurance agent?
An independent agent represents multiple insurance companies and can compare quotes across carriers. A captive agent represents a single company (like State Farm or Allstate) and sells only that brand’s policies.
Do insurance agents charge a fee?
Most insurance agents are paid a commission by the carrier, so their help is generally free to you. A handful of fee-based advisors charge separately for an independent coverage review with no sales attached.
How do I know how much life insurance I need?
A common rule of thumb is 10–12x your annual income, but a good agent will instead total your debts, future income replacement, and goals (like funding college) to size coverage to your actual needs.
Related services
Are you a insurance agent?
Claim your free listing and reach clients searching in your city.