What’s the best insurance aggregator?

Based on agent ratings on InSifter, the best insurance aggregators right now are SIAA (4.4/5), Keystone (4.3/5), and FirstChoice (4.2/5). But the honest answer is that “best” depends on what you’re optimizing for — the best network for a brand-new agent is rarely the best one for a $2M agency, and the best ratings don’t always mean the best contract.

The short list

1. SIAA — the largest alliance network in the country; broad carrier access and structured support. (4.4/5)
2. Keystone — commercial-lines depth and the lowest typical override we track (1–3%). (4.3/5)
3. FirstChoice — MarshBerry-backed, popular with growth-minded agencies. (4.2/5)
4. Renaissance Alliance — Northeast-rooted, focused on premium growth. (4.1/5)
5. Darkhorse — modern hybrid with real training and agent-owned books. (4.1/5)

“Best” depends on what you’re solving for

If you’re optimizing for cost, the answer changes — see which aggregator has the lowest fees. If it’s take-home commission, see which pays the most. If it’s contract freedom — owning your book, clean exit terms — see which has the best contract. And if you’re brand new, the calculus is different enough that we wrote it up separately: the best aggregator for new agents.

FAQ

What’s the best insurance aggregator?

Based on agent ratings on InSifter, SIAA (4.4/5), Keystone (4.3/5), and FirstChoice (4.2/5) lead. The best fit depends on your fees tolerance, contract terms, lines of business, and career stage.

Who are the biggest insurance aggregators?

SIAA is the largest alliance network in the country. Other major national names include Keystone, Smart Choice, FirstChoice (MarshBerry), Renaissance Alliance, and ISU.

Is joining an insurance aggregator worth it?

For most new or small independent agencies, yes — the carrier access alone is hard to replicate. Whether it stays worth it depends on the override, fees, exit terms, and whether you own your book.