Insurance Agency Valuation Calculator
Median 14.79x EBITDA across 32 real disclosed transactions. Three-field instant range, no signup.
Value your insurance agency
Get an instant valuation range for your business. Backed by 25,592 real M&A transactions.
Insurance AgencyM&A benchmarks (current)
Median EV/EBITDA
14.79×
P25–P75: 14.17× – 17.4×
Median EV/Revenue
5.11×
P25–P75: 3.93× – 5.97×
Deal count (full sample)
32
Median deal value
$1.9B
How this calculator works
The insurance agency calculator pulls medians from 32 disclosed M&A transactions in our database, then applies adjustments specific to insurance agency businesses (margin vs the vertical median, growth trend, recurring revenue mix, owner dependency, customer concentration). Output is a tight range around the most-likely value, plus an honest per-deal error estimate based on real engine performance.
What drives premium multiples in insurance agency
- Retention rate above 90% (single most important number in agency M&A)
- Commercial lines and benefits revenue (worth more than personal lines)
- Younger producer bench (35-45) ensures sustainable book over the next decade
What compresses insurance agency multiples
- Retention below 85% (buyers get nervous, multiple compresses fast)
- 50%+ of book with a single carrier (concentration + appointment risk)
- All producers in late 50s+ (book sustainability question for buyer)
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Backed by 25,592 disclosed transactions from SEC filings, EDGAR 8-K/S-4, and verified press releases · methodology