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.
MHMaya Hendricks · Home Services Editor Updated June 13, 2026 · Next review July 2026
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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
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
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.