Smart Choice reported strong growth in 2025, highlighted by continued expansion across its agency network, strategic acquisitions, and record agent onboarding. The network supported more than $2.5 billion in partner premium, underscoring Smart Choice’s scale and continued momentum in a challenging insurance market.
In 2025, Smart Choice recruited more than 1,500 agents to the network-the highest annual total in the company’s history. Despite ongoing market headwinds, the network achieved 8% in organic premium growth, record profitability nationally, and demonstrated the resilience and strength of its agency partners. Smart Choice also completed 36 agency acquisitions marking another record for the network.
“We are excited about our growth last year and expect to continue this trajectory in 2026,” said Andrew Caldwell, Smart Choice CEO. “In support of our more than 11,150 active agencies, we continued to expand and strengthen our national carrier partnerships, ensuring our agencies have the access and flexibility they need to compete and grow.”
For the third consecutive year, more than 1,400 new agencies joined Smart Choice, marking the company’s ninth straight year of adding over 1,000 agencies annually. This sustained growth further reinforces Smart Choice’s position as the fastest-growing agency network in the country.
As market conditions show early signs of softening, independent agencies are increasingly seeking expanded market access, operational support, and flexibility—without sacrificing ownership or autonomy. Smart Choice’s agent-friendly contract, which requires no upfront fees and allows agencies to retain 100% ownership, continues to resonate across the industry. Combined with hands-on support from local territory managers, the network is well positioned to help agencies navigate an increasingly competitive environment.
“They’re not hovering over me telling me to do things a certain way. We're still able to run our agency exactly the same, because it is exactly the same,” said Bryan Clinkscales, owner of Boone Ritter Insurance. “With Smart Choice, there's no buy-in. They don’t say you’ve got to pay $10,000 to get in or $50,000 to get out. There's none of that. All those restrictions that make me unsure if I want to jump in the water – all that's been removed with this network.”