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Insurance Agency Valuation Calculator
Agency values have held up while other sectors softened. Enter your commission income and retention and see what buyers and consolidators would pay for your agency today.
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How this valuation is worked out
Whole agencies with staff and management are priced on EBITDA, typically 6 to 10 times, while smaller producer-led books trade on a multiple of commission. Commercial lines command more than personal lines, and retention above 90% moves an agency to the top of its range.
A worked example
An agency writing $6M of premium at a 13% average commission earns about $780K of commission income. At 2.0–3.0× commission that is $1.56M–$2.34M, with 92% retention and a low-churn commercial book supporting the higher end.
Multiple ranges reviewed September 2026, based on offers buyers in our network are making today. They are a guide, not a quote — see how the process works.
What moves your number
- Client retention — the single biggest lever on price
- Commercial versus personal lines mix
- Carrier concentration and contract portability
- Whether the producers stay after the sale
Want the full picture? How Much Do Insurance Agencies Make? Revenue, Margins and Value
Common questions
Commission multiple or EBITDA?
Agencies with employees and management depth sell on EBITDA. A one-producer book sells on a multiple of commission, usually 1.5 to 3.5 times.
Do carrier appointments transfer?
Not automatically. Buyers check portability early, and non-transferable appointments reduce what they will pay.
Is an earn-out normal?
Yes. Most agency deals pay part up front with the rest tied to retention over one to three years.