Welcome to American River Insurance Agency,

Insurance is personal, and so is the way we run our agency. As a Veteran Spouse and LGBTQ-owned business, we understand what it means to build something that reflects who you are — and we bring that same care to protecting what matters most to you and your family.
We're proud to offer a diverse range of policies from top-rated carriers, giving you personalized coverage at competitive rates. Whether you're looking for auto, home, or business insurance, our experienced team is here to walk you through every step.
​
We look forward to connecting with you!
Fernando Garibay-Mena
Agency Owner

Personal Insurance

Commercial Insurance

​We're proud to represent great insurance carriers like:

                                                                                                                                                                                                                                                                                                                 
At American River Insurance Agency, we understand that life is full of uncertainties, and securing the right insurance coverage is essential to navigating them with confidence.
Proud to Serve Our Community

Client Testimonials

"Fernando is the best of the best when it comes to insurance. I feel taken care of when it comes to all of my insurance needs. He is always there to lend a helping hand whenever I have a question. I highly encourage you to call and see the difference American River Insurance Agency provides compared to the other companies, I promise you won’t regret it."

Jared B.

San Diego, CA

"If your in the market for a new insurance this is the company to go with. Amazing customer service and never any hassle and always got back to me immediately when reaching out to ask questions!"

Daisy O.

San Diego, CA

"Always responsive and so helpful! I was given many options to choose from and educated on each so that I could make the best decision for my family. I highly recommend contacting American River Insurance for all of your insurance needs."

Erica R.

San Marcos, CA

"Excellent service and I also got a better deal on my auto insurance. Fernando was amazing to work with. He made it quick and easy. I appreciate all the time he spent helping me and walking me through the process."

Ly T.

Seattle, WA

"They tailored my personal insurance requests exactly to what I needed and got me the best possible deal. Extremely professional and courteous in every way."

Keri K.

Murrieta, CA

"Fernando has taken care of all our insurance needs for years. He always goes above and beyond to find us the best coverages at the lowest costs."

Chris T.

Anaheim, CA

"Very happy with my choice to use American River Insurance Agency. Exceptional customer service, very knowledgeable, always helpful and responsive."

Pavla J.

San Marcos, CA

"Fernando went above and beyond to help us switch our home and auto insurance. He made sure the process was smooth and hassle free for our family."

Gabriela L.

Marysville, WA

"Great customer service, hassle free and saved me money compared to my previous provider. Working with American River Insurance was well worth it!"

Greg M.

Chico, CA

"Thank you American River Insurance for helping my family and I with our insurance needs. Fernando is very knowledgeable and passionate for his clients."

Lilia D.

Renton, WA

"As always, great customer service, great communication, and saved me money as well!"

David K.

Portland, OR

"Always responsive and great customer service! Thank you, Fernando, for all your help!"

Eva Y.

Livingston, CA

"Amazing service. They saved me hundreds of dollars!"

Jackie M.

Albany, OR

"Expedient and excellent customer service!"

Rey V.

Seattle, WA