"SMART INSURANCE FOR THE REAL WORLD"
⚡ Holiday Hours ⚡
🎄 Christmas: Dec 24 (9 AM–2 PM) • Dec 25 (Closed)
🎉 New Year's: Dec 31 (9 AM–2 PM) • Jan 1 (Closed)
El Centro Office Holiday Hours:
🎄 Closed Dec 25–28
🎉 Closed Jan 1–4
⚡ Other offices remain open when El Centro is closed. ⚡
For assistance, please call 888-242-9922.

Commercial Auto

Light Auto, Medium Auto, Long Haul, Tow Trucks, Sand & Gravel, Intermodal, Cargo and more.

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Business Insurance

Business Owner's Policy, Workers' Compensation, Cyber, Real Estate, Restaurants, Retail, and more.

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Contractors Insurance

General Liability, Builder's Risk, Tools, Professional Liability, Tools & Equipment, Bond's and more.

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Personal Insurance

Auto, Home, Motorcycle, RVs, ATVs Boats, Classic Car, Renters, Condominiums' and more.

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Serving Clients Across 11 States – Trusted Since 1997

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For over 25 years, Best Formula Insurance has been a trusted name in insurance—starting in California and now proudly serving clients across Arizona, Colorado, Illinois, Michigan, Nevada, New Mexico, Ohio, South Carolina, Texas, and Utah.

At Best Formula Insurance, we’re more than brokers—we’re your partners in protection. Whether it’s Auto, Home, Business, or Commercial coverage, we tailor every policy to fit your unique needs and budget. Our team delivers personalized, transparent guidance so you always know exactly what your policy includes.

We treat you like a person—not a policy number. Our strong partnerships with top-rated carriers allow us to provide not only competitive pricing, but also the reliability and professionalism you deserve.

Our mission is simple: Deliver exceptional service, trusted advice, and smart insurance solutions across every state we serve.

What Our Clients Say Testimonial Review Stars

Excelente servicio, excelente atención por parte de Ana, procedimiento fácil y sencillo, recomendado 100% Excellent service, excellent attention from Ana, easy and simple procedure, 100% recommended

-Gersom Castillo

Excellent customer service.

-Santiago Armando

excellent service

-Carlos Navarro

Leonardo was very kind, helpful, and above all, patient. He dedicated himself to finding the best quote for us.

-Diana Sigmond

Iris Sandra Cepeda is the best. Thank you so much for your help!!!!

-Brian Wright

Beautiful customer service 🙏🏻❤ happy holidays …

-Georgina Gale

Iris is very helpful, attentive and very friendly. Great customer service

-Josefina Vazquez

Iris is the best! I love her prompt response and customer service. She resolves any issues I have. I would highly recommend to get in contact with her if you need auto insurance or need to do any updates. Iris works very quick and makes it easy. Thank you for...

-Andres Jaimes

Iris, our agent, is helpful, informative and prompt in providing additional insurance . Great agent to work with.

-Peace Chan

I had a great experience working with Bell from Best Formula Insurance. She provided clear information, was very responsive, and made sure I understood all my options. Her customer service was exceptional from start to finish. I truly appreciate her support Bell went above and beyond! Excellent communication, super helpful,...

-Christy07 Chavez

Best Formula Insurance Services, especially Bell - helps us out in our vehicle insurance wether inquiries or something needed to be checked/changed, with utmost service quality.

-Ian Carlo

Great price

-Martha Sanz

Bell is always great try’s to get me best prices if she can’t get me an answer right away she calls me back always very help full

-Maria Arroyo

Excellent service and very good attention!

-Fernando Perguz

Excellent attention and Service

-Mario Alberto E

Excellent Service

-Silvia M

Affordable

-Mizuky

Got a really cheap insurance good customer service

-Jonathan L

Excellent service by Angeles. Very professional and recomends the best insurance policy.

-Angel

Quality, Customer service Excellent service

-Jeanette R

Been inside so many times in Calexico and El Centro and both have very friendly customer service. Quick easy service.

-Jessica M.

Excellent service and very good attention.

-Fernando P.

They solve all your insurance problems

-Jose Z. E.

They have an excellent service towards the Hispanic community, always kind Monica, Iris and Bella always attentive to everyone!!

-Mery R

Extremely knowledgeable, helpful and attentive to my needs. He actually cared and not try to fit me in an “one size fits all” in regards to all my policies. Anyone looking to get auto or home insurance, ask for Luis! He’ll definitely take care of you!

-TJ L

Just like the service and the employees very professional

-J Bedolla

Highly Recommend Brian Morales, great service! Great savings! And overall one of the best experiences Ive had with insurances

-Eduardo A

Good help! Thumbs up

-Ric L

The best, really sweet, friendly and patient. Always very helpful, has the answers to all of my questions and clears any doubts that, I might have in mind. I will forever be a loyal customer of his.

-Fernanda M

Absolutely, Luis...he is friendly, efficient, and explains to you step by step making recommendations of what is best for you! Thank you Luis you are the best!

-Yanet G

They are the best people to look after your insurance needs. They will treat you like family and mean it because that's the kind of folks they are.

-Gilbert C

Belle was extremely professional and provided the best customer service.

-Jose G

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