Insurance Agencies · Memphis, TN/Updated June 13, 2026
The 9 Best Insurance Agents in Memphis, TN
From budget-friendly options to highly-rated agents, find the perfect insurance fit for your needs in Memphis.
MHMaya Hendricks · Home Services Editor Updated June 13, 2026 · Next review July 2026
Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceDirect Auto Insurance
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Memphis-metro insurance agencies businesses evaluated, top 9 ranked by Vetted Score.
Insurance is a critical part of life in Memphis, impacting everything from your car to your home. With a mix of established players and smaller shops, the market here offers varied options, making it essential to choose wisely.
We evaluated ten local insurance agencies, focusing on their ratings and customer feedback. This list highlights the top nine, showcasing where real value lies between affordability and reliability.
10insurance agents evaluated in Memphis
4.73average rating across the field
1.6Kcustomer reviews analyzed
Cityvetted analysis of public Google review data, updated June 13, 2026.
To create this ranking, we analyzed customer reviews and ratings across multiple platforms, ensuring a comprehensive overview of each agency's performance. We only included businesses that did not pay for placement, guaranteeing an unbiased selection.
Our evaluations are refreshed monthly, maintaining up-to-date information. This commitment to transparency allows you to make informed decisions when selecting an insurance agent in Memphis.
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 stellar rating of 4.9 from 532 reviews, Direct Auto Insurance is a favorite among Memphis residents. Customers appreciate their friendly agents and straightforward policies, making it an excellent choice for those seeking affordable auto insurance. However, some users have reported longer wait times during peak hours. 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 affordable auto insurance. It serves Memphis, TN, with $100 to $300 per month pricing, and the honest trade-offs are longer wait times at busy hours and limited options for complex policies.
Fields Insurance has maintained an impressive 4.9 rating from 231 reviews. Clients often commend their personalized service and competitive pricing. This agency is particularly well-suited for families looking for tailored insurance solutions. However, the smaller review base may leave some potential customers uncertain about consistency. 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 tailored family insurance solutions. It serves Memphis, TN, with $120 to $350 per month pricing, and the honest trade-offs are smaller review base and limited office hours.
Freeway Insurance holds a solid rating of 4.9 based on 161 reviews. Customers appreciate the efficient service and the variety of insurance options available. This agency is ideal for those who want a quick and easy quote process. Keep in mind that some clients have experienced issues with claims processing.
Acceptance Insurance has a solid rating of 4.8 from 265 reviews. Customers often highlight their diverse coverage options and helpful staff. This agency is great for those needing specialized insurance types. However, some clients mention that pricing can be less competitive compared to other local options. 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 specialized insurance needs. It serves Memphis, TN, with $110 to $320 per month pricing, and the honest trade-offs are less competitive pricing and some complaints about customer service.
Direct Auto Insurance has a rating of 4.7 from 223 reviews. Clients appreciate the ease of obtaining quotes and the professionalism of the agents. It’s a good option for those who prefer online interactions. However, some customers have reported difficulties in reaching agents for follow-up questions. 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 online insurance quotes. It serves Memphis, TN, with $95 to $275 per month pricing, and the honest trade-offs are difficult to reach for follow-ups and limited office locations.
Acceptance Insurance has a 4.7 rating from 201 reviews. Customers find their service reliable and appreciate the knowledgeable staff. This agency is suitable for clients seeking dependable coverage. However, some reviews note that response times can be slow during busy periods. 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 dependable coverage. It serves Memphis, TN, with $100 to $290 per month pricing, and the honest trade-offs are slow response times and limited product offerings.
Low Cost Auto Insurance Agency has a perfect rating of 5 from just 3 reviews. Customers rave about the low rates and friendly agents. This agency could be a great option for budget-conscious individuals. However, the very small review base leaves questions about long-term service consistency. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is budget-conscious individuals. It serves Memphis, TN, with $80 to $200 per month pricing, and the honest trade-offs are very small review base and limited service offerings.
Prime SR22 Insurance holds a perfect score of 5 from a single review. The customer praised the quick and easy process for obtaining SR22 insurance. This agency is best for those needing this specific type of coverage. However, the lack of additional reviews raises concerns about reliability over time. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is sR22 insurance needs. It serves Memphis, TN, with $90 to $250 per month pricing, and the honest trade-offs are no established reputation and limited feedback.
Progressive Insurance has a rating of 3.7 from 3 reviews. While some customers appreciate the national brand recognition, others have reported dissatisfaction with customer service and claims processing. This agency might work for those who prefer a well-known name, but the inconsistent reviews suggest caution. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is brand familiarity. It serves Memphis, TN, with $100 to $300 per month pricing, and the honest trade-offs are inconsistent customer service and claims processing issues.
Selecting the right insurance agent involves balancing your budget with the quality of service. Here are key considerations to guide your choice.
Assess Your Needs
Determine what types of insurance you require, such as auto, home, or life, to find an agent specializing in those areas.
Compare Ratings and Reviews
Look at customer feedback and ratings to gauge the reliability and service quality of different agents.
Evaluate Pricing Options
Consider the cost of coverage from various agents, remembering that the cheapest option may not always provide the best service.
What it costs
What insurance costs in Memphis
The cost of insurance in Memphis varies based on coverage types and provider reputations. Here’s a breakdown of typical pricing tiers.
Basic CoverageExpect to pay around $50 to $100 per month for minimal auto insurance that meets state requirements.
Standard CoverageFor more comprehensive policies, prices typically range from $100 to $200 per month, offering better protection.
Full CoverageFull coverage options can cost between $200 to $400 per month, providing extensive protection for vehicles and homes.
Specialty InsuranceSpecialized policies, like SR22 or high-risk insurance, may start at $400 and vary widely based on individual circumstances.
Frequently asked questions
How much does insurance cost in Memphis?
Insurance rates in Memphis vary widely based on provider and coverage, but you can expect quotes to range from $50 to $150 per month for basic auto insurance.
What is the best insurance agency for customer service?
Both <strong>Direct Auto Insurance</strong> and <strong>Fields Insurance</strong> are known for their exceptional customer service, each holding a 4.9 rating from hundreds of reviews.
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 Memphis drivers: <strong>Direct Auto Insurance</strong>
Direct Auto Insurance is the best overall choice for its high rating and large volume of reviews. For value, Fields Insurance provides excellent service without breaking the bank. If you're looking to splurge, consider Freeway Insurance, which, while less proven, offers a perfect score on a limited number of reviews.
Cityvetted
