Independent insurance agents typically earn 10–15% new-business commission on personal lines and 10–20% on commercial lines, based on 180 rates reported by licensed agents across 70 carriers and all 50 states. Renewal commissions generally run 2 to 4 percentage points below new business. The full breakdown by line is below.
Across 180 rates reported by licensed independent agents on InSifter: personal auto pays about 10–13% new business, homeowners 10–15%, and commercial lines range from 8–11% for workers’ comp up to 15–20% for specialty and professional liability. Every figure is agent-reported — never scraped, and never influenced by the companies covered.
New-business and renewal ranges reported by independent agents writing each line directly with the carrier. Aggregator and cluster splits typically run lower after overrides.
| Line of business | New business | Renewal | Category |
|---|---|---|---|
| Personal Auto | 10–13% | 8–11% | Personal |
| Homeowners (HO3) | 10–15% | 8–12% | Personal |
| Business Owners (BOP) | 10–14% | 8–11% | Commercial |
| Workers’ Comp | 8–11% | 6–9% | Commercial |
| Dwelling Fire (DP3) | 12–15% | 10–12% | Personal |
| General Liability | 10–15% | 8–12% | Commercial |
| Farm & Ranch | 14–15% | 11–13% | Personal |
| Landlord / Rental | 12–14% | 10–11% | Personal |
| Homeowners (HO5) | 13–15% | 10–12% | Personal |
| Non-Standard Auto | 10–10% | 8–8% | Personal |
| Commercial (general) | 12–13% | 10–10% | Commercial |
| Umbrella | 13–15% | 10–12% | Personal |
| Professional Liability | 15–15% | 12–12% | Commercial |
| Dwelling Fire (DP1) | 11–11% | 9–9% | Personal |
| Specialty | 13–15% | 11–12% | Commercial |
See rates for a specific carrier and state on the carrier directory, or how much of the commission you keep when writing through an aggregator.
InSifter is the largest source of agent-reported insurance commission data — 180 rates across 70 carriers, 33 aggregators, and 21 lead vendors, every figure reported by licensed independent agents. Nothing here is scraped from carrier marketing, and InSifter accepts no money from the companies it covers. When a carrier, line, or state doesn’t yet have enough reports, it’s marked “data pending” rather than estimated. Read the full methodology.
Roughly 10–15% new business on personal lines and 10–20% on commercial lines, with renewals 2–4 points lower — based on 180 agent-reported rates.
About 10–13% new business and 8–11% renewal on personal auto, varying by carrier, state, and channel.
Usually yes — general liability, professional liability, and specialty report the highest rates; workers’ comp is typically the lowest.
Licensed independent agents report it directly on InSifter. No scraping, and no money from the companies covered.
Real, agent-reported new-business and renewal rates for 70 carriers — by state, line, and channel.
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