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The 10 Best Insurance Brokers in San Jose (2026)
San Jose drivers, homeowners and small businesses rely on a mix of local agencies and independent brokers for coverage tailored to Bay Area needs. This ranking is built from Google review data using a Bayesian-style score that balances average ratings and review volume, and it was refreshed for 2026. We aimed to surface firms with consistently high scores while giving weight to businesses that have meaningful customer feedback. The list reflects a range of national and local options you’ll find around the city, from central corridors to neighborhood storefronts.
This ranking is computed from Google reviews (our method). Listings marked Partner are paid advertising spots: they sit alongside the ranking without changing its order.
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Red Wave Insurance Services
Red Wave Insurance Services earns the top spot with a perfect 5.0 Google rating based on 31 reviews, giving it the highest weighted score among the entries. It is listed on Google as an Insurance agency and is located at 1038 Leigh Ave Unit 209 in San Jose. The combination of a flawless average and a solid review count for a smaller local operation is what pushes it to the number one position in our 2026 ranking.
The full ranking
Acceptance Insurance
Acceptance Insurance is categorized as an Auto insurance agency and carries a 4.9 Google score based on 1,079 reviews, located on Alum Rock Avenue.
1079 reviews
Cost-U-Less Insurance
Cost-U-Less Insurance registers a 4.9 rating from 662 reviews and appears as an Auto insurance agency at 1915 Alum Rock Ave Ste A in San Jose.
662 reviews
Rolando Suarez – State Farm Insurance Agent
Rolando Suarez – State Farm Insurance Agent is listed as an Insurance agency with a 4.9 average from 191 Google reviews; the office is on East Santa Clara Street.
191 reviews
Leavitt Pacific Insurance Brokers
Leavitt Pacific Insurance Brokers shows a 4.9 Google rating across 122 reviews and is listed on Google as an Insurance broker at 1570 The Alameda Ste 101.
122 reviews
Acrisure San Jose, CA
Acrisure San Jose, CA is categorized as an Insurance agency, holding a 4.9 average from 75 Google reviews at 3155 Olsen Dr Suite 400.
75 reviews
Let’s Insure – San Jose
Let’s Insure – San Jose appears as an Insurance agency with a 4.8 rating from 21 reviewers and is located at 1900 Camden Ave #204.
21 reviews
Wynn Insurance Agency
Wynn Insurance Agency is listed as an Insurance broker and carries a 4.8 Google score based on 73 reviews at 2156 The Alameda.
73 reviews
Balance Insurance Agency Inc
Balance Insurance Agency Inc holds a 4.8 rating from 133 Google reviews and is categorized as an Insurance agency on Alum Rock Avenue.
133 reviews
Farmers Insurance – Ironwood Insurance Agency
Farmers Insurance – Ironwood Insurance Agency is listed as an Insurance agent with a 4.8 average across 368 reviews and is located at 816 N First St #100.
368 reviews
Frequently asked questions
How should I choose an insurance broker in San Jose?
Start by identifying the kinds of coverage you need, then compare brokers on experience with those product types, responsiveness, and customer feedback. Check Google reviews and ask for references, and confirm the broker’s licensing with the California Department of Insurance before committing.
What does it typically cost to use an insurance broker?
Many brokers are paid by insurance carriers through commissions, so there may not be a direct fee to you, but arrangements vary. Always ask upfront whether the broker charges client fees or receives commissions and request clear disclosure of any compensation structure.
What should I check before hiring an insurance broker or agent?
Verify the broker’s license and look up any complaints or disciplinary actions with the state insurance regulator. Also ask which carriers they work with, how they handle claims support, and request sample quotes so you can compare coverage and price.
How was this ranking of San Jose insurance brokers built?
The list is based on Google ratings combined with review counts using a Bayesian-style weighting so businesses with higher averages and meaningful review volume rank higher. It was refreshed for 2026 and does not measure price, policy terms, or individual customer service experiences beyond what reviewers report.