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The 8 Best Insurance Agencies in Charlevoix, MI

Last updated October 10, 2026 · ranked from 180 Google reviews · How we rank

This guide to insurance agencies in Charlevoix, MI brings together entries located entirely within the city, with Google ratings ranging from 4.7 to 5 stars. Bingham Insurance Services leads the list with a 5-star rating from 51 reviews. Mike Epping - State Farm Insurance Agent follows with 4.7 stars and 114 reviews, the largest review count among the listed agencies. Bill Gengle - State Farm Insurance Agent ranks third with 4.9 stars from seven reviews. Lemerand Agency and Mielke Agency each hold 5-star ratings from one review. The list provides a city-focused starting point for comparing agencies by their ratings and review counts.

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Top picks at a glance

  1. 1Bingham Insurance ServicesReviewers describe help bundling home and auto policies, managing life insurance, and comparing quotes; one reports saving more than $1,100 annually on home and auto coverage.
  2. 2Mike Epping - State Farm Insurance AgentMike Epping - State Farm Insurance Agent holds a 4.7 Google rating across 114 reviews, listed on Google as insurance agency.
  3. 3Bill Gengle - State Farm Insurance AgentBill Gengle - State Farm Insurance Agent holds a 4.9 Google rating across 7 reviews, listed on Google as insurance agency.
  1. Bingham Insurance Services in Charlevoix1

    Bingham Insurance Services

    5.0(51)· Google5.0 out of 5 from 51 reviews (Google rating)

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    Reviewers describe help bundling home and auto policies, managing life insurance, and comparing quotes; one reports saving more than $1,100 annually on home and auto coverage. The independent agency at 200 Antrim St in Charlevoix, MI also offers online appointments, onsite services, free parking, and a wheelchair-accessible entrance.

    • Independent since 1975
    • Prompt service praised
    • Online appointments available
    “I was introduced to Bingham over two years ago after spending 49 years with Triple A…AND I saved over $1,100 dollars annually on my automobiles and homeowners policies! Great savings combined with exceptional customer service…Priceless…”
    — jeff miller, 2026-09-07 · google

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  2. Mike Epping - State Farm Insurance Agent in Charlevoix2

    Mike Epping - State Farm Insurance Agent

    4.7(114)· Google4.7 out of 5 from 114 reviews (Google rating)

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    Mike Epping - State Farm Insurance Agent holds a 4.7 Google rating across 114 reviews, listed on Google as insurance agency.

    • Responsive communication
    • Long-term client relationships
    • Wheelchair-accessible entrance
    “Mike is the best agent i have ever worked with”
    — Brogan mcnutt, 2026-04-17 · google

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  3. Bill Gengle - State Farm Insurance Agent in Charlevoix3

    Bill Gengle - State Farm Insurance Agent

    4.9(7)· Google4.9 out of 5 from 7 reviews (Google rating)

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    Bill Gengle - State Farm Insurance Agent holds a 4.9 Google rating across 7 reviews, listed on Google as insurance agency.

    • Free insurance quotes
    • Weekday office hours
    • Wheelchair-accessible entrance
    “There nice staff but I feel like they don't work with you as much as possible”
    — Phillip Chipman, 2019-10-23 · google

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  4. Charlevoix Agency Inc in Charlevoix4

    Charlevoix Agency Inc

    4.8(6)· Google4.8 out of 5 from 6 reviews (Google rating)

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    Charlevoix Agency Inc holds a 4.8 Google rating across 6 reviews, listed on Google as insurance agency.

    • Vehicle insurance savings
    • Weekday office hours
    • Wheelchair-accessible entrance
    “Highly recommended! I go through them with my vehicle insurance and they got my policy lowered by $50! Very happy with the service!!”
    — Mark, 2023-02-20 · google

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  5. Lemerand Agency in Charlevoix5

    Lemerand Agency

    5.0(1)· Google5.0 out of 5 from 1 reviews (Google rating)

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    Lemerand Agency holds a 5.0 Google rating across 1 reviews, listed on Google as insurance agency.

    • Wheelchair-accessible entrance
    • Wheelchair-accessible parking
    • Monday–Friday office hours

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  6. Mielke Agency in Charlevoix6

    Mielke Agency

    5.0(1)· Google5.0 out of 5 from 1 reviews (Google rating)

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    Mielke Agency holds a 5.0 Google rating across 1 reviews, listed on Google as insurance agency.

    • Health and Medicare
    • Employee benefits coverage
    • Visits by appointment
    “Tom is wonderful to work with! He is kind and responsive, and really goes above and beyond to make sure you have everything you need.”
    — Lindi Kanine, 2025-04-14 · google

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  7. Work at Dale Boehm Office? Get your badge

  8. Work at Northern Michigan Benefits? Get your badge

Map of every pick

Compare at a glance

Comparison of the best Insurance Agencies in Charlevoix, MI
#PlaceGoogle ratingPriceGoogle reviewsNeighborhoodPhoneOpen now
1Bingham Insurance Services5.0(51)5.0 out of 5 from 51 reviews (Google rating)—51—+1231-547-4062—
2Mike Epping - State Farm Insurance Agent4.7(114)4.7 out of 5 from 114 reviews (Google rating)—114—+1231-237-4454—
3Bill Gengle - State Farm Insurance Agent4.9(7)4.9 out of 5 from 7 reviews (Google rating)—7—+1231-547-6001—
4Charlevoix Agency Inc4.8(6)4.8 out of 5 from 6 reviews (Google rating)—6—+1231-547-4441—
5Lemerand Agency5.0(1)5.0 out of 5 from 1 reviews (Google rating)—1—+1231-547-9936—
6Mielke Agency5.0(1)5.0 out of 5 from 1 reviews (Google rating)—1—+1231-547-2500—
7Dale Boehm Office———+1231-330-1253—
8Northern Michigan Benefits———+1231-675-4414—

Ratings and review counts shown are Google ratings, displayed with attribution.

How we ranked this list

Each insurance agency is scored on a Bayesian-weighted rating (its rating adjusted for how many reviews it has compared with the Charlevoix category average), how recently we verified its details, and how complete its listing is. Scores and ranks are stored, so the order only changes when the underlying data changes.

Read the full methodology

Insurance Agencies in Charlevoix, MI: common questions

Which insurance agencies in Charlevoix, MI have the strongest ratings and largest review counts?
Bingham Insurance Services has a 5.0 Google rating from 51 reviews. Mike Epping - State Farm Insurance Agent has the most reviews, with 114 and a 4.7 rating. Bill Gengle - State Farm Insurance Agent has 4.9 from seven reviews, and Charlevoix Agency Inc has 4.8 from six. Lemerand Agency and Mielke Agency each have a 5.0 rating from one review.
Where can I find Medicare, health and employee benefits insurance in Charlevoix, MI?
Mielke Agency explicitly lists health insurance, Medicare, employee benefits and life insurance. Its office is at 1108 Bridge St, Charlevoix, MI 49720, and hours are by appointment. Call 231-547-2500.
Which agency in Charlevoix, MI is independent and has customer reports of home-and-auto bundling?
Bingham Insurance Services is an independent agency that has served northwest Michigan since 1975. One reviewer describes bundling home and auto coverage and having the agency manage life insurance. The office is at 200 Antrim St, Charlevoix, MI 49720; call 231-547-4062.
How do weekday insurance office hours compare in Charlevoix, MI?
Bingham Insurance Services opens Monday through Friday from 8 a.m. to 5 p.m. Mike Epping, Bill Gengle and Charlevoix Agency Inc list weekday hours of 9 a.m. to 5 p.m. Lemerand Agency closes at 4:30 p.m., and Dale Boehm Office closes at 4 p.m.; both open at 9 a.m. Mielke Agency operates by appointment.
Which insurance offices in Charlevoix, MI offer accessible facilities or online appointments?
Every office in this guide lists a wheelchair-accessible entrance and wheelchair-accessible parking. Bingham Insurance Services additionally lists wheelchair-accessible seating, free on-site parking, online appointments and on-site services.

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