Sterling Auto Insurance

What Sterling Auto Insurance does

Sterling Auto Insurance is a privately held independent insurance agency headquartered in Levittown, Pennsylvania, founded in 1989 and operating continuously for over 34 years. The agency operates as a multi-carrier broker rather than a captive provider, representing multiple leading insurance companies and earning commissions on policies placed across personal, commercial, and specialty lines. Its product portfolio spans personal auto, homeowners, renters, motorcycle, antique auto, recreational vehicle, commercial auto, contractor liability, workers compensation, businessowners policies, surety bonds, and special event insurance, supplemented by an adjacent E-Z Auto Tags & Notary service at a second Levittown location that handles Pennsylvania DOT title transfers, registrations, license plates, and notary work.

The agency's core technical asset is a comparative computer rating system delivered through its partnership with EZLynx, which enables instant rate comparisons across multiple carriers via an online portal embedded in the Sterling website. Customers can obtain quotes through self-service online forms, the EZLynx Portal, or a dedicated phone-based inside-sales line (215-949-3700). The agency's distribution is single-state, serving Pennsylvania residents and small businesses only, with no disclosed geographic expansion plans.

Sterling's revenue model is commission-based on insurance policies placed, with premium pricing determined individually through comparative carrier rating rather than published rate cards. Go-to-market combines top-of-funnel SEO-driven quote forms, a self-serve EZLynx quoting portal, mid-funnel phone-based agent sales, organic social presence on Facebook, and a post-sale referral program offering lottery tickets and Visa gift card incentives. Customer segments are a hybrid mix of individual consumers, small-to-medium business owners, and specialty-vehicle owners, with personal auto as the primary line. No parent company, institutional investors, funding rounds, acquisitions, or leadership changes are disclosed; the agency appears to be locally owned and operated.

Name

Sterling Auto Insurance

Legal name

Sterling Auto Insurance

Website

https://sterlingautoins.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Sterling Auto Insurance is a privately held independent insurance agency in Levittown, Pennsylvania, representing multiple carriers and offering auto, home, commercial, and specialty insurance products to Pennsylvania consumers and small businesses.

Ownership category

akta.pro rank

Product category

Independent Insurance Agency / Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

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

akta.pro secondary industry

Non-Standard / High-Risk Personal Auto Insurance (FSAJAAAD)

Keywords

• Independent insurance agency
• Auto insurance brokerage
• Multi-carrier insurance quotes
• Commercial auto insurance
• Homeowners insurance coverage

Headquarters

HQ city

Levittown

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, Sterling earns commissions from multiple insurance carriers for policies placed. The agency represents several leading insurance companies and earns commissions on each policy sold.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Sterling Auto Insurance is an independent insurance agency that sells and services personal and commercial insurance policies on behalf of multiple leading insurance carriers. Its primary offering is auto insurance, supplemented by homeowners, renters, motorcycle, antique auto, RV, commercial auto, contractor, workers compensation, businessowners, surety bond, and special event coverage, with rate comparison delivered through a proprietary comparative computer rating system and the EZLynx online portal.

Product overview

Sterling Auto Insurance is an independent insurance agency offering a comprehensive portfolio of insurance products and services primarily focused on Pennsylvania clients. The agency provides auto insurance as its core offering, alongside homeowners, renters, and specialty vehicle coverage including motorcycle, antique auto, and recreational vehicles. Commercial products include commercial auto, businessowners, contractor, and workers compensation insurance. Additional services include surety bonds, special event insurance, and partnered auto tag/title services through E-Z Auto Tags. The agency operates as an independent broker representing multiple insurance carriers, using comparative rating technology to offer competitive rates across its product lines.

Differentiator

Problem solved

Functional benefit

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• EZLynxcoreTechnology or IntegrationTechnology integration partner providing comparative quoting portal that allows Sterling to offer instant rate comparisons from multiple insurance carriers through their website.
• Multiple Insurance Carriers (Unnamed)coreChannel Partner/ Reseller/ DistributorAs an independent agency, Sterling represents multiple leading insurance companies. The specific carrier names are displayed as logos on their website but not individually named in text. This multi-carrier representation enables comparative shopping for customers.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Donegal Insurance Group: Regional P&C insurer headquartered in Marietta, PA, distributing through independent agents across the Mid-Atlantic. Comparable to Sterling in PA regional focus, independent-agent distribution, and personal/commercial product mix.
• Erie Insurance: Pennsylvania-headquartered P&C insurer that distributes primarily through a captive independent agent network. Closest direct comparison to Sterling because of overlapping PA footprint, multi-line personal + commercial product suite, and independent-agency distribution model.
• Frankenmuth Insurance: Mutual insurer distributing through independent agents in the Mid-Atlantic and Midwest with personal and commercial lines. Comparable independent-agency distribution model and multi-line product portfolio to Sterling.
• The General Insurance: Specialist in non-standard/high-risk personal auto insurance, the same customer segment Sterling targets via its 'No driver refused' positioning. Closest competitor for Sterling's inclusive underwriting niche.

Broad incumbents

• Allstate: National P&C carrier with a strong captive/Exclusive agent distribution model. Overlaps with Sterling's auto, home, and small commercial product set in the PA market at much larger scale.
• State Farm: Largest US personal lines P&C insurer with a captive agent model. Competes with Sterling for the same PA personal auto, homeowners, and small commercial customers but with vastly greater scale and brand.
• Progressive: National personal and commercial auto insurer with a direct-to-consumer model. Competes for the same PA personal auto and commercial auto customers Sterling serves, but bypasses the local agent.
• Liberty Mutual: National P&C carrier distributing through both direct channels and independent agents. Overlaps Sterling on personal auto, homeowners, and small commercial lines in the PA market.

Emerging players

• Branch Insurance: Digital-first independent insurance platform bundling home and auto through a single app, expanding into the Northeast. Represents the emerging insurtech distribution model Sterling will increasingly compete against.

Regional players

• Plymouth Rock Assurance: Northeast US regional P&C insurer offering personal auto and home through both direct and partner channels in the same Northeast footprint where Sterling operates. Comparable product set and customer demographic.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/stirling-insurance

Revenue estimate

Valuation estimate

Number of profiles

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 Sterling Auto Insurance