San Rafael has 60,433 residents in 22,910 households. We list 12 insurance agencies in San Rafael. Here is what the local numbers say about the cover people here need.

San Rafael at a glance

12insurance agencies listed
47%of households rentRenters insurance
$1,355,600median home valueHome insurance
1968median year homes were builtRebuild cost calculator
8.7%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Marin County

FEMA rates the overall natural hazard risk in Marin County, where most San Rafael agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in California
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

What San Rafael agencies can write

Share of the 12 agencies listed in San Rafael that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where San Rafael agencies are

San Rafael agencies we list sit in 2 ZIP codes, mostly in Marin County.

949016 agencies
949036 agencies

Questions

Insurance agencies in San Rafael

How do I find an insurance agency in San Rafael?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in San Rafael?

Most often life, annuities. Pick a type in the filters to narrow the list.

Do I need flood insurance in San Rafael?

FEMA's National Risk Index rates coastal flooding risk in Marin County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in San Rafael?

47% of households in San Rafael rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Agencies near San Rafael

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