Auto Mate Insurance

What Auto Mate Insurance does

Auto Mate Insurance is an independent insurance brokerage founded in 2015 and headquartered in Portland, Oregon. The firm operates as a multi-line agent/broker placing personal and commercial P&C coverage on behalf of clients across Oregon, Washington, California, Arizona, and North Carolina. Core product lines include auto insurance (personal and commercial vehicles, motorcycles, trucking, cargo), home insurance (homeowners, renters, landlord, vacant, short-term/Airbnb, builders risk), and business insurance (general liability, commercial property, workers comp, BOPs, bonds, and specialized coverage for restaurants/breweries, cannabis/hemp, dealerships, and contractors). The differentiator is carrier breadth — the firm contracts with 70+ insurance companies for business lines and 27+ for personal auto — combined with a high-touch, education-led agent model led by founder/CEO Steph Santi.

The underlying technology stack is intentionally light: the public-facing site runs on Wix, lead capture is handled through a Typeform integration, and the company maintains organic social profiles on LinkedIn, Facebook, Instagram, and YouTube. There are no disclosed proprietary AI/ML systems, APIs, or mobile apps; operational differentiation rests on agent expertise and carrier relationships rather than software. Distribution is direct-to-consumer via phone, email, online quote forms, and a small internal team of personal lines, commercial lines, and independent agents plus operations and customer support staff. Headcount is reported at 1–10 employees, consistent with a small regional brokerage rather than a scaled platform.

Revenue is generated on a commission basis from carrier partners for policies placed and renewed (an affiliate/referral revenue model). Pricing is quote-based with monthly billing cadence and varies by customer risk profile, coverage requirements, and selected carrier; no public pricing tiers exist. Customer mix is broadly distributed across individuals and SMBs in horizontal and specialty verticals, with one named public testimonial (Lolo Overland). The company holds multiple regional industry awards (Best Home Agencies in Oregon/Portland, Best Car Insurance Agencies in Portland, Five Star Awards, Best of Rose City 2024) and previously earned Allstate and Dealer Agent accolades, supporting local brand credibility but not signaling breakout market position.

Name

Auto Mate Insurance

Legal name

Auto Mate Insurance

Website

https://automatebrokers.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Auto Mate Insurance is an independent Portland-based insurance brokerage (founded 2015) that places personal auto, home, and commercial coverage across five U.S. states by leveraging 70+ carrier relationships and a small internal agent team serving individuals, small businesses, and specialty verticals including cannabis, restaurants, and dealerships.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

Keywords

• Insurance brokerage services
• Commercial insurance
• Personal auto insurance
• Home insurance
• Business insurance

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Brokerage Commissions: Auto Mate Insurance operates as an independent insurance broker/agency, earning commissions from insurance companies for policies placed. They represent multiple carriers (70+ companies) and receive compensation when policies are sold and renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Auto Mate Insurance is an independent insurance brokerage founded in 2015, headquartered in Portland, Oregon, that places policies with 70+ insurance carriers on behalf of clients. It sells auto (personal and commercial), home/property, and business insurance, including specialized coverage for restaurants, breweries, cannabis operators, dealerships, contractors, and trucking. Services are delivered by an internal agent team via phone, email, and online quote forms across Oregon, Washington, California, Arizona, and North Carolina.

Product overview

Auto Mate Insurance is an independent insurance brokerage agency (founded 2015) that provides access to 70+ insurance companies. The company operates as a multi-product insurance broker offering three core product lines: Auto Insurance (personal and commercial vehicles including motorcycles and trucking), Home Insurance (homeowners, renters, landlord, and vacant property including short-term rentals and builders risk), and Business Insurance (general liability, commercial property, workers compensation, commercial auto, bonds, and specialized coverage for restaurants/breweries, cannabis industry, dealerships, and contractors). The products work together as a full-service insurance solution where agents can shop coverage across multiple carriers to find competitive rates for both personal and commercial customers. The company positions itself as offering 'professional representation' with 'better insurance plans' across Oregon, Washington, California, Arizona, and North Carolina.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal and commercial auto insurance covering cars, trucks, motorcycles, and cargo. Auto Mate accesses 27+ carriers for personal auto and 70+ for commercial auto to find competitive rates for drivers and vehicle owners.
• Home Insurance Homeowners, renters, landlord, condominium, vacant property, and short-term rental (AirBNB) insurance, plus builders risk coverage for construction projects. Serves homeowners and property investors seeking protection against property risks and liability.
• Business Insurance Commercial insurance for small businesses including general liability, commercial property, workers compensation, business owner policies (BOPs), commercial auto, bonds, and coverage for specialized industries. Targets small business owners across multiple verticals.
• Restaurant and Brewery Insurance Specialized insurance for restaurants, breweries, cideries, and distilleries covering operations, cooking equipment, safety systems, and alcohol-related liability risks. Serves food and beverage operators.
• Cannabis Industry Insurance Insurance for cannabis and hemp operations including dispensaries, grow operations, extractors, and wholesalers, with general liability and business property options covering THC and CBD activities. Serves licensed cannabis businesses.
• Dealership Insurance Insurance for auto, motorcycle, and trailer dealerships including garage keepers insurance with 'All Auto' coverage for vehicles on and off the lot. Serves vehicle dealerships.
• Contractor Insurance Insurance for artisan contractors (HVAC, electricians, plumbers, roofers, landscapers) and general contractors, providing general liability and bonds for licensing. Serves licensed trades and contractors.

Quantifiable outcome

• Access to 70+ insurance companies for business products and 27+ for personal auto

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Pie Insurance: Tech-enabled workers' comp and small commercial insurance provider targeting SMBs. Overlaps with Auto Mate's small business and contractor insurance segments, though with a different distribution model.
• Lemonade: Digital-first insurance carrier selling directly to consumers via mobile/app channels. Adjacent rather than direct competitor, but represents the disruptive model pressuring traditional brokerages.

Broad incumbents

• HUB International: Large North American insurance brokerage offering personal, commercial, and specialty lines across many states. Comparable in multi-line brokerage model and multi-state footprint, though at much greater scale.
• Brown & Brown: National insurance brokerage and risk management firm providing P&C and specialty coverage. Comparable in independent agency/brokerage model and carrier-representation approach, but operates at substantially larger scale.
• Arthur J. Gallagher: Global insurance brokerage and risk management services firm with broad P&C and specialty offerings. Overlapping brokerage model and multi-carrier representation, though at enterprise scale.
• The Cincinnati Insurance Companies: P&C insurance carrier offering personal, commercial, and specialty lines through independent agent distribution. Comparable in independent-agent channel and specialty commercial coverage expertise.

Regional players

• Rich & Cartmill Insurance: Independent insurance agency in the Pacific Northwest offering personal and commercial lines. Comparable multi-line independent agency model, though primarily Oregon/Washington focused.

Direct peers

• Leavitt Group: Regional independent insurance brokerage operating across the western US with multi-line personal and commercial offerings. Closely comparable in regional independent brokerage structure and cross-sell across auto/home/business.
• Frankenmuth Insurance: Mutual insurance carrier that also operates a network of independent agencies writing personal and commercial lines. Comparable in independent-agency distribution and specialty commercial expertise.
• Goosehead Insurance: Independent personal and commercial lines insurance brokerage that represents multiple carriers to comparison-shop coverage for clients. Closely comparable business model to Auto Mate, though materially larger and publicly traded.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UChW8IrQik26NYKlrO8I4P2Q
• Facebookfacebook.com/AutoMateBrokers
• LinkedInlinkedin.com/company/automateinsurance
• Instagraminstagram.com/automatebrokers

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Auto Mate Insurance