How much do independent insurance agency owners earn?

There is no official earnings figure for independent agency owners. Income comes mainly from commissions on the business the agency writes, minus expenses, and varies widely: agencies that add commercial lines generate substantially more revenue than personal-lines-only agencies, and successful owners earn well into six figures. Captive agency owners generally gross less, with the carrier setting rates and owning the book of business. For context, the median annual wage for employed insurance sales agents was $62,280 in May 2025, per the Bureau of Labor Statistics.