Independent Insurance Agencies Grew Revenue
Three-quarters of independent insurance agencies saw higher revenue as they expanded staff and adopted new AI tools.
Updated on Sept. 24, 2026 in Insurance
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The 2026 Agency Universe Study shows that 75% of independent insurance agencies across the United States reported revenue growth between 2024 and 2025. This growth coincides with a shift toward digital marketing and an increased focus on customer experience strategies.
Why it matters
Agencies are increasingly competing on value rather than price, pushing firms to scale operations and modernize their service models. This professionalization impacts how households interact with their local agents and receive policy support.
Of the 37,000 independent insurance agencies in the U.S., 75% reported revenue growth between 2024 and 2025. During the same period, the average agency staff size grew to 9.9 employees, while marketing budgets increased by roughly 44% to $20,600.
The players
Future One
An organization that tracks industry trends and publishes research on the independent insurance agency sector.
The details
Agencies are leveraging artificial intelligence for tasks like coverage form analysis and contract reviews to streamline operations. They are also prioritizing direct customer service, with 86% of firms preferring to manage policyholder interactions themselves rather than routing them through carrier portals. This shift is designed to improve customer experience and justify value in a softening insurance market.
Timeline
2024 served as the baseline year for agency growth and technology adoption metrics.
Revenue changes for agencies were tracked throughout the 2024-2025 period.
The Agency Universe Study was published on September 23, 2026.
Money Landscape
The insurance industry is navigating a transition where firms are investing heavily in digital infrastructure to maintain competitiveness. This growth reflects a broader trend of agencies focusing on high-touch service and AI efficiency to differentiate their offerings.
Households may notice more personalized digital communication and faster contract reviews as agencies integrate AI tools. If you are reviewing your policies, ask your agent how their agency’s digital tools can simplify your renewal or claims process.
The takeaway
The agency model is evolving to favor high-touch service backed by internal digital efficiencies. You should confirm with your agent whether your policy questions are handled directly by their staff or if they rely on external carrier portals for service requests.
Further reading
For more on managing your policy and coverage needs, explore our Insurance section.
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Do you plan to increase your business's investment in artificial intelligence over the next year?
