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Insurance Agencies · Bellevue, WA/Updated June 13, 2026

The 10 Best Insurance Agents in Bellevue, WA

Finding the right insurance agent can save you money and hassle. Here are the best options in Bellevue to help you make an informed choice.

Editorially independent15 companies evaluated
cover story
★ Editor's ChoiceJessica Scharf - State Farm Insurance Agent
96Score
Latest update · June 13, 2026: Initial ranking published. 15 Bellevue-metro insurance agencies businesses evaluated, top 10 ranked by Vetted Score.

Insurance is more than just a policy; it’s a safety net that can protect your assets and provide peace of mind. In Bellevue, where property values and living costs are high, working with an experienced insurance agent is essential to navigate your options effectively.

We evaluated 15 insurance providers in the Bellevue metro area, focusing on customer ratings and review counts. The top ten agents on this list have a proven record of customer satisfaction, ensuring you can find the right fit for your needs.

15insurance agents evaluated in Bellevue
4.91average rating across the field
2.9Kcustomer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does insurance agencies cost in Bellevue? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

Jessica Scharf - State Farm Insurance Agent

★★★★★5.0(712 reviews)

With a perfect rating of 5 stars from 712 reviews, Jessica Scharf's State Farm Insurance Agency is highly praised for her personalized service and thorough explanations of policies.

Read full review
Best Value
95Score

Theresa Nguyen - State Farm Insurance Agent

★★★★★5.0(596 reviews)

Theresa Nguyen also holds a 5-star rating from 596 reviews, highlighting her exceptional customer service and competitive pricing.

Read full review
Most Reviewed
94Score

Toby Stevens - State Farm Insurance Agent

★★★★★4.9(537 reviews)

With a rating of 4.9 stars from 537 reviews, Toby Stevens is recognized for his friendly demeanor and in-depth knowledge of insurance products.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
5.0★★★★★
712Personalized insurance guidance
2
95Score
5.0★★★★★
596Value-driven insurance solutions
3
94Score
4.9★★★★★
537Straightforward insurance advice
4
91Score
4.9★★★★★
292Commercial insurance needs
5
90Score
5.0★★★★★
123Quick claims assistance
6
88Score
5.0★★★★★
75Clear coverage explanations
7
87Score
4.9★★★★★
107Integrated insurance and financial planning
8
84Score
4.8★★★★★
189Thorough policy evaluations
9
82Score
4.8★★★★★
51Personalized insurance support
10
80Score
4.7★★★★★
84Expert insurance advice
Methodology

How we evaluated all 15 insurance agents.

To create this ranking, we analyzed customer reviews and ratings from multiple platforms, emphasizing both the quantity and quality of feedback. Our goal was to highlight agents who consistently deliver excellent service, with no business paying for placement in our rankings.

This list is refreshed monthly to ensure the information remains current and reflective of the Bellevue insurance market. Each agency is assessed based on their Vetted Score, which combines customer feedback and overall performance.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

Jessica Scharf - State Farm Insurance Agent

★★★★★5.0(712 reviews)
96Score

With a perfect rating of 5 stars from 712 reviews, Jessica Scharf's State Farm Insurance Agency is highly praised for her personalized service and thorough explanations of policies. Clients appreciate her responsiveness and ability to simplify complex insurance topics. However, her popularity means she may have a busy schedule, so booking in advance is advisable.

Pros

  • Personalized service
  • Thorough explanations
  • Highly responsive

Cons

  • Busy schedule may require advanced booking
Best forPersonalized insurance guidance
Service areaBellevue, WA
Typical pricing$100 to $300 per month
2
Best Value

Theresa Nguyen - State Farm Insurance Agent

★★★★★5.0(596 reviews)
95Score

Theresa Nguyen also holds a 5-star rating from 596 reviews, highlighting her exceptional customer service and competitive pricing. Many clients commend her for taking the time to understand their needs and providing tailored insurance solutions. On the downside, her office can be busy, which might lead to longer wait times for responses.

Pros

  • Exceptional customer service
  • Competitive pricing
  • Tailored solutions

Cons

  • Longer wait times due to busy office
Best forValue-driven insurance solutions
Service areaBellevue, WA
Typical pricing$90 to $250 per month
3
Most Reviewed

Toby Stevens - State Farm Insurance Agent

★★★★★4.9(537 reviews)
94Score

With a rating of 4.9 stars from 537 reviews, Toby Stevens is recognized for his friendly demeanor and in-depth knowledge of insurance products. Clients appreciate his straightforward approach and willingness to answer questions. However, some reviews indicate occasional delays in policy processing, which could be a concern for those needing immediate coverage.

Pros

  • Friendly demeanor
  • In-depth product knowledge
  • Straightforward approach

Cons

  • Occasional delays in policy processing
Best forStraightforward insurance advice
Service areaBellevue, WA
Typical pricing$80 to $250 per month
4

PCRG Insurance

★★★★★4.9(292 reviews)
91Score

PCRG Insurance has a solid rating of 4.9 stars from 292 reviews. Customers appreciate the friendly staff and the wide range of insurance options available. They are particularly noted for their expertise in commercial insurance. However, a smaller number of reviews means their service is still somewhat unproven. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is commercial insurance needs. It serves Bellevue, WA, with $150 to $400 per month pricing, and the honest trade-offs are smaller review base may indicate unproven service.

Pros

  • Friendly staff
  • Wide range of options
  • Expertise in commercial insurance

Cons

  • Smaller review base may indicate unproven service
Best forCommercial insurance needs
Service areaBellevue, WA
Typical pricing$150 to $400 per month
5

Phoenix Insurance Inc.

★★★★★5.0(123 reviews)
90Score

Phoenix Insurance Inc. holds a 5-star rating from 123 reviews, praised for their quick turnaround times and friendly staff. Clients often highlight their helpfulness in navigating claims. However, the limited number of reviews may leave some potential customers wanting more established feedback. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is quick claims assistance. It serves Bellevue, WA, with $100 to $300 per month pricing, and the honest trade-offs are limited number of reviews.

Pros

  • Quick turnaround times
  • Friendly staff
  • Helpful in claims

Cons

  • Limited number of reviews
Best forQuick claims assistance
Service areaBellevue, WA
Typical pricing$100 to $300 per month
6

Amy Loh - State Farm Insurance Agent

★★★★★5.0(75 reviews)
88Score

Amy Loh's State Farm Insurance Agency has a 5-star rating from 75 reviews. Clients appreciate her attentiveness and willingness to explain coverage details clearly. While she is known for her excellent customer service, the lower review count may suggest a newer agency that is still building its reputation. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is clear coverage explanations. It serves Bellevue, WA, with $90 to $250 per month pricing, and the honest trade-offs are lower review count may indicate new agency.

Pros

  • Attentive service
  • Clear explanations
  • Helpful

Cons

  • Lower review count may indicate new agency
Best forClear coverage explanations
Service areaBellevue, WA
Typical pricing$90 to $250 per month
7

Whims Insurance and Financial Services

★★★★★4.9(107 reviews)
87Score

Whims Insurance and Financial Services has a strong rating of 4.9 stars from 107 reviews, known for their comprehensive financial planning alongside insurance services. Clients appreciate the integrated approach to their financial health. However, the smaller review base raises questions about the consistency of their service. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is integrated insurance and financial planning. It serves Bellevue, WA, with $100 to $300 per month pricing, and the honest trade-offs are smaller review base may indicate inconsistent service.

Pros

  • Comprehensive financial planning
  • Integrated approach
  • Knowledgeable staff

Cons

  • Smaller review base may indicate inconsistent service
Best forIntegrated insurance and financial planning
Service areaBellevue, WA
Typical pricing$100 to $300 per month
8

Farmers Insurance - Deanne Nation

★★★★★4.8(189 reviews)
84Score

Farmers Insurance - Deanne Nation has a rating of 4.8 stars from 189 reviews. Clients commend her for her thoroughness and proactive approach to finding the best policies. While she is well-reviewed, some customers mention higher premiums as a drawback compared to other agencies. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is thorough policy evaluations. It serves Bellevue, WA, with $120 to $350 per month pricing, and the honest trade-offs are higher premiums than some competitors.

Pros

  • Thorough service
  • Proactive policy finding
  • Good communication

Cons

  • Higher premiums than some competitors
Best forThorough policy evaluations
Service areaBellevue, WA
Typical pricing$120 to $350 per month
9

Insurance Connections Northwest

★★★★★4.8(51 reviews)
82Score

Insurance Connections Northwest has a solid rating of 4.8 stars from 51 reviews. Clients appreciate the personalized attention and support. However, the low review count may indicate a less established presence in the market, which could be a concern for some customers. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is personalized insurance support. It serves Bellevue, WA, with $90 to $250 per month pricing, and the honest trade-offs are low review count may indicate less established presence.

Pros

  • Personalized attention
  • Supportive staff
  • Responsive

Cons

  • Low review count may indicate less established presence
Best forPersonalized insurance support
Service areaBellevue, WA
Typical pricing$90 to $250 per month
10

Victor Kloch: Insurance Connections Northwest

★★★★★4.7(84 reviews)
80Score

Victor Kloch has a rating of 4.7 stars from 84 reviews. Clients appreciate his expertise and willingness to go the extra mile. While he has a good reputation, the review base is smaller, which might leave potential clients seeking more reassurance before committing. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is expert insurance advice. It serves Bellevue, WA, with $80 to $250 per month pricing, and the honest trade-offs are smaller review base may leave clients seeking reassurance.

Pros

  • Expertise
  • Willingness to help
  • Good communication

Cons

  • Smaller review base may leave clients seeking reassurance
Best forExpert insurance advice
Service areaBellevue, WA
Typical pricing$80 to $250 per month
Before you book

How to choose an insurance agent in Bellevue

Selecting an insurance agent is a crucial decision that impacts your financial security. Here are key questions to ask potential agents to ensure you find the best fit for your needs.

What types of insurance do you specialize in?

Different agents may focus on various insurance types, such as auto, home, or life insurance. Knowing their expertise helps you choose the right agent for your specific needs.

How do you handle claims?

Understanding the claims process is essential. Ask how the agent supports clients during claims and what their response times typically are.

Can you provide references or testimonials?

Hearing from past clients can give you insight into the agent's service quality and reliability. Look for agents who are willing to share positive client experiences.

What it costs

What insurance costs in Bellevue

The cost of insurance varies widely based on coverage, provider, and personal circumstances. Here’s a breakdown of typical pricing tiers in Bellevue.

Basic CoverageExpect to pay around $100 to $200 per month for basic auto or renters insurance.
Standard CoverageFor more comprehensive coverage, such as home insurance, monthly costs usually range from $200 to $400.
Premium CoverageHigher-end policies, including full coverage auto or life insurance, can cost $400 to $800 per month.
Specialty InsuranceUnique policies, like umbrella insurance or business insurance, may start at $300 and go up significantly depending on the coverage.

Frequently asked questions

How much does insurance cost in Bellevue?

Insurance costs in Bellevue vary widely based on factors like coverage type and personal circumstances, but many residents report average premiums ranging from $800 to $1,500 annually.

What types of insurance can I get in Bellevue?

In Bellevue, you can find a variety of insurance options, including auto, home, life, and health insurance, provided by multiple agencies like State Farm and Farmers Insurance.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Bellevue residents: <strong>Jessica Scharf - State Farm Insurance Agent</strong>

Jessica Scharf - State Farm Insurance Agent is the clear leader in Bellevue, boasting a perfect 5-star rating from 712 reviews. If you want personalized service and a proven track record, she is your best pick. For those who might prefer a different approach, Theresa Nguyen - State Farm Insurance Agent is an excellent alternative with a similar rating and 596 reviews, ideal for clients seeking another State Farm option. If you have specific needs or appreciate a slightly smaller firm, consider Toby Stevens - State Farm Insurance Agent, who also holds a 4.9 rating from 537 reviews, making him a strong contender for personalized insurance solutions.