Business phone system for insurance agencies and brokerages

Insurance agencies and brokerages in the United States

County Business Patterns counted 133,728 insurance agencies and brokerages in the U.S. in 2023 (NAICS 524210, Insurance Agencies and Brokerages). They employed 818,561 people in mid-March and paid $74.4 billion in annual payroll. The average establishment has 6.1 employees. That is 39.3 establishments for every 100,000 residents.

California has the most (13,919), followed by Texas (12,210), Florida (10,837), and New York (6,336). Relative to population, North Dakota leads with 81.2 per 100,000 residents, and District of Columbia has the fewest at 12.5.

Why the phone matters for insurance agencies and brokerages

Insurance agencies take quote requests, policy changes and claims questions, and a caller shopping for a quote may only call one or two agencies. Recording calls and summarizing them also helps agencies document what a client asked for.

Calls insurance agencies and brokerages commonly handle:

• A prospect calls for an auto insurance quote.
• A policyholder calls to add a new driver.
• A client calls after an accident to start a claim.
• A lender calls to request proof of insurance.
• The agency calls a client ahead of a renewal.

Texting and after-hours calls

Agencies text ID-card reminders, renewal notices and requests for documents.

After-hours calls after an accident or loss need clear instructions on how to reach the carrier's claims line.

Outbound sales calls and texts are subject to telemarketing and consent rules; get consent before marketing by phone or text.

How big insurance agencies and brokerages are

72.3% of U.S. insurance agencies and brokerages with employees had fewer than five people in March 2023. 89.9% had fewer than ten. Most phone decisions in this industry are made for small teams, where one shared number and sensible routing matter more than a desk phone per person.

Insurance agencies and brokerages by state

Establishment counts for the 51 states (and DC) where Census published a figure, with the rate per 100,000 residents.

Largest metro areas for insurance agencies and brokerages

Census published insurance agency counts for 922 metro and micropolitan areas. The 25 largest:

Callata vs. per-seat pricing for insurance agencies and brokerages in the U.S.

The average U.S. insurance agency has 6.1 employees, so the comparison uses a 6-person team. Priced per seat, 6 users would run $180.00 a month on RingCentral RingEX Core and $149.70 on Ooma Office Pro (month-to-month list prices, checked September 28, 2026). On Callata the same 6 people cost $119.00 a month, less than either per-seat plan.

The annual difference against RingCentral's monthly list price comes to $732. Some vendors discount annual contracts; the table shows month-to-month prices.

How Callata works for insurance agencies and brokerages

For $99 a month, Callata puts a team of up to 5 on one plan ($20 for each person after that): up to 3 local numbers, unlimited inbound calls, a pooled allowance of 1,500 outbound US and Canada minutes per user, browser and cell calling, voicemail transcription with urgency triage, recorded calls with AI summaries and business-hours routing, with E911 on every number.

Existing numbers can be ported at no charge, and team texting turns on after the one-time $49 carrier registration (10DLC) is approved.

Optional AI agents (receptionist, sales, support or scheduler) can answer calls after hours or when nobody picks up, take messages, text, email and transfer to your team. They are billed from prepaid AI minutes at $0.25 per minute, identify themselves as AI, and may only place outbound calls to people who consented, between 8am and 9pm.