Affordable Auto, Home & Business Insurance in Santa Maria & Beyond
2,000+ families from Santa Maria to LA trust Andy Cortez for insurance that saves them an average of $500/year. Bilingual agents across Santa Barbara, SLO, Ventura & Orange County who actually pick up the phone. Hablamos español.
ACIAI - Andy Cortez Insurance Agency Inc. provides affordable auto insurance, homeowners insurance, commercial insurance, and life insurance across Santa Maria, Santa Barbara, San Luis Obispo, Lompoc, Orcutt, Nipomo, Ventura County, LA County, Orange County, and all of California.
2K+
Satisfied Clients
5.0
Customer Rating
98%
Claims Support
WhyPartnerWithUs?
Why Choose Us
With over 35 years of combined experience, we don't just sell policies — we build lasting relationships. Every client gets a dedicated agent who knows their name and their needs.
See Why Clients Trust UsSecure Your Future
From auto accidents to natural disasters, we make sure you're never caught off guard. We partner with top-rated carriers like Farmers Insurance for rock-solid protection.
Protect What MattersCost-Effective Protection
Our clients save an average of $500/year when they bundle home and auto. No hidden fees, no surprise rate hikes. Flexible payment plans and multi-policy discounts.
Start Saving TodayTailored Solutions
Cookie-cutter policies leave gaps. We customize every plan to your specific situation — whether you're a first-time homeowner, business owner, or protecting your family's future.
Get Your Custom QuoteWhat Our Clients Say
Real stories from real people. We let our track record speak for itself.
“Andy is great to work with. Super friendly and explains everything very thoroughly. We got our home and car insurance with them and are currently working on adding pet insurance as well. Highly recommend!”
“Wow! Andy at Farmers came through again!! We received an email today that our business 'Workman's Comp & Errors and Omissions' coverage was approved.”
“Navigating home insurance is not always easy but Andy has been incredibly supportive. He is very knowledgeable and responsive. Andy has stayed on top of timelines and needs sending us reminders.”
“My husband and I have been with Farmers Insurance for 35 years. They have always been there for us when we have needed them. Andy Cortez became our agent when we moved to the area.”
“Thankful for Marylinn and Andy! On the market looking for home insurance coverage, and so glad I found this particular Farmer's office branch! Marylinn and Andy have been helpful every step of the way.”
“Andy provided exemplary customer service. I felt at ease as he answered my questions about my life insurance options as well as the steps involved. I give Andy my highest recommendation.”
“Just got a new home & auto policy bundle with Andy and he KILLED IT! I was dropped unexpectedly by another local agent but Andy went above and beyond to create a custom policy for my needs!”
“Andy is the best! He worked hard to get us coverage that was difficult to find. He is quick to respond, honest and attentive. A gem in the insurance world!”
“Andy was very helpful and gave us an honest and truthful recommendation. He was supportive and friendly about our insurance challenges in California. We recommend him 100%!”
“If I were you I would go see Andy. He is right on top of it getting things done and always available to help in any way. Need something done it's done. Not 2 days later but right now.”
“Marylinn was the person in the office who assisted me from beginning of my enrollment to getting car insurance with Farmers. She is great and was so helpful with getting me a policy that worked for me.”
“We've received excellent service from Andy in providing us with our cars and renters insurance. He has been very professional and friendly. We're very happy with the attention and help we received.”
“About 6 months ago we decided to switch our vehicles & business policies with Andy Cortez. Best decision made! Andy and his team have provided us with phenomenal service.”
“Andy and his organization are great! Really appreciate being able to reach out and talk to someone instead of using online agencies that just ignore me or send me to a chatbot!”
“Alex and Ivan! You are amazing! Thank you for all your help! You guys made me feel great after reviewing and understanding everything I need to know about homeowners insurance!”
“I recommend Farmers auto insurance. Ivan has been really helpful with my insurance process trying to get me the right auto policy.”
“Andy is great to work with. Super friendly and explains everything very thoroughly. We got our home and car insurance with them and are currently working on adding pet insurance as well. Highly recommend!”
“Wow! Andy at Farmers came through again!! We received an email today that our business 'Workman's Comp & Errors and Omissions' coverage was approved.”
“Navigating home insurance is not always easy but Andy has been incredibly supportive. He is very knowledgeable and responsive. Andy has stayed on top of timelines and needs sending us reminders.”
“My husband and I have been with Farmers Insurance for 35 years. They have always been there for us when we have needed them. Andy Cortez became our agent when we moved to the area.”
“Thankful for Marylinn and Andy! On the market looking for home insurance coverage, and so glad I found this particular Farmer's office branch! Marylinn and Andy have been helpful every step of the way.”
“Andy provided exemplary customer service. I felt at ease as he answered my questions about my life insurance options as well as the steps involved. I give Andy my highest recommendation.”
“Just got a new home & auto policy bundle with Andy and he KILLED IT! I was dropped unexpectedly by another local agent but Andy went above and beyond to create a custom policy for my needs!”
“Andy is the best! He worked hard to get us coverage that was difficult to find. He is quick to respond, honest and attentive. A gem in the insurance world!”
“Andy was very helpful and gave us an honest and truthful recommendation. He was supportive and friendly about our insurance challenges in California. We recommend him 100%!”
“If I were you I would go see Andy. He is right on top of it getting things done and always available to help in any way. Need something done it's done. Not 2 days later but right now.”
“Marylinn was the person in the office who assisted me from beginning of my enrollment to getting car insurance with Farmers. She is great and was so helpful with getting me a policy that worked for me.”
“We've received excellent service from Andy in providing us with our cars and renters insurance. He has been very professional and friendly. We're very happy with the attention and help we received.”
“About 6 months ago we decided to switch our vehicles & business policies with Andy Cortez. Best decision made! Andy and his team have provided us with phenomenal service.”
“Andy and his organization are great! Really appreciate being able to reach out and talk to someone instead of using online agencies that just ignore me or send me to a chatbot!”
“Alex and Ivan! You are amazing! Thank you for all your help! You guys made me feel great after reviewing and understanding everything I need to know about homeowners insurance!”
“I recommend Farmers auto insurance. Ivan has been really helpful with my insurance process trying to get me the right auto policy.”
“I recommend Farmers auto insurance. Ivan has been really helpful with my insurance process trying to get me the right auto policy.”
“Alex and Ivan! You are amazing! Thank you for all your help! You guys made me feel great after reviewing and understanding everything I need to know about homeowners insurance!”
“Andy and his organization are great! Really appreciate being able to reach out and talk to someone instead of using online agencies that just ignore me or send me to a chatbot!”
“About 6 months ago we decided to switch our vehicles & business policies with Andy Cortez. Best decision made! Andy and his team have provided us with phenomenal service.”
“We've received excellent service from Andy in providing us with our cars and renters insurance. He has been very professional and friendly. We're very happy with the attention and help we received.”
“Marylinn was the person in the office who assisted me from beginning of my enrollment to getting car insurance with Farmers. She is great and was so helpful with getting me a policy that worked for me.”
“If I were you I would go see Andy. He is right on top of it getting things done and always available to help in any way. Need something done it's done. Not 2 days later but right now.”
“Andy was very helpful and gave us an honest and truthful recommendation. He was supportive and friendly about our insurance challenges in California. We recommend him 100%!”
“Andy is the best! He worked hard to get us coverage that was difficult to find. He is quick to respond, honest and attentive. A gem in the insurance world!”
“Just got a new home & auto policy bundle with Andy and he KILLED IT! I was dropped unexpectedly by another local agent but Andy went above and beyond to create a custom policy for my needs!”
“Andy provided exemplary customer service. I felt at ease as he answered my questions about my life insurance options as well as the steps involved. I give Andy my highest recommendation.”
“Thankful for Marylinn and Andy! On the market looking for home insurance coverage, and so glad I found this particular Farmer's office branch! Marylinn and Andy have been helpful every step of the way.”
“My husband and I have been with Farmers Insurance for 35 years. They have always been there for us when we have needed them. Andy Cortez became our agent when we moved to the area.”
“Navigating home insurance is not always easy but Andy has been incredibly supportive. He is very knowledgeable and responsive. Andy has stayed on top of timelines and needs sending us reminders.”
“Wow! Andy at Farmers came through again!! We received an email today that our business 'Workman's Comp & Errors and Omissions' coverage was approved.”
“Andy is great to work with. Super friendly and explains everything very thoroughly. We got our home and car insurance with them and are currently working on adding pet insurance as well. Highly recommend!”
“I recommend Farmers auto insurance. Ivan has been really helpful with my insurance process trying to get me the right auto policy.”
“Alex and Ivan! You are amazing! Thank you for all your help! You guys made me feel great after reviewing and understanding everything I need to know about homeowners insurance!”
“Andy and his organization are great! Really appreciate being able to reach out and talk to someone instead of using online agencies that just ignore me or send me to a chatbot!”
“About 6 months ago we decided to switch our vehicles & business policies with Andy Cortez. Best decision made! Andy and his team have provided us with phenomenal service.”
“We've received excellent service from Andy in providing us with our cars and renters insurance. He has been very professional and friendly. We're very happy with the attention and help we received.”
“Marylinn was the person in the office who assisted me from beginning of my enrollment to getting car insurance with Farmers. She is great and was so helpful with getting me a policy that worked for me.”
“If I were you I would go see Andy. He is right on top of it getting things done and always available to help in any way. Need something done it's done. Not 2 days later but right now.”
“Andy was very helpful and gave us an honest and truthful recommendation. He was supportive and friendly about our insurance challenges in California. We recommend him 100%!”
“Andy is the best! He worked hard to get us coverage that was difficult to find. He is quick to respond, honest and attentive. A gem in the insurance world!”
“Just got a new home & auto policy bundle with Andy and he KILLED IT! I was dropped unexpectedly by another local agent but Andy went above and beyond to create a custom policy for my needs!”
“Andy provided exemplary customer service. I felt at ease as he answered my questions about my life insurance options as well as the steps involved. I give Andy my highest recommendation.”
“Thankful for Marylinn and Andy! On the market looking for home insurance coverage, and so glad I found this particular Farmer's office branch! Marylinn and Andy have been helpful every step of the way.”
“My husband and I have been with Farmers Insurance for 35 years. They have always been there for us when we have needed them. Andy Cortez became our agent when we moved to the area.”
“Navigating home insurance is not always easy but Andy has been incredibly supportive. He is very knowledgeable and responsive. Andy has stayed on top of timelines and needs sending us reminders.”
“Wow! Andy at Farmers came through again!! We received an email today that our business 'Workman's Comp & Errors and Omissions' coverage was approved.”
“Andy is great to work with. Super friendly and explains everything very thoroughly. We got our home and car insurance with them and are currently working on adding pet insurance as well. Highly recommend!”