Consumers First
Consumers First Insurance is a small independent insurance agency in Arnold, Missouri that compares and places auto, home, and commercial insurance quotes from multiple top-tier carriers for individual consumers and small businesses, using EZLynx and AgentInsure third-party platforms and earning commission-based revenue.
- Company typePrivate
- Founded1985
- HeadquartersArnold, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Consumers First does
Consumers First Insurance is a privately held independent insurance agency headquartered at 856 Arnold Commons Dr in Arnold, Missouri. Founded circa 1985 and operating with 1-10 employees, it serves individual consumers and small businesses in the United States, primarily through online and phone-based channels. The company's value proposition centers on helping customers compare auto, home, and commercial insurance quotes from multiple top-tier carriers rather than being locked into a single carrier.
The agency's core product portfolio spans personal lines (auto insurance with collision, comprehensive, liability, and medical payments coverage; home insurance for homeowners, renters, and condo owners) and commercial lines (Commercial Auto, Commercial General Liability, Commercial Property, Workers Compensation, and Business Owner Packages). Underlying technology is entirely third-party: the website, quoting engine, and customer service portal are built on EZLynx (website development and hosting) and AgentInsure (live comparison quoting engine and secure customer portal at customerservice.agentinsure.com). No proprietary technology, patents, or data assets are documented.
Revenue is generated exclusively through commissions paid by carrier partners when policies are placed. All pricing is quote-based and individualized by risk factors; no pricing is publicly disclosed. The go-to-market is a hybrid digital/phone model: customers enter ZIP code and insurance type on the website to receive side-by-side carrier quotes, with phone-based support (888-292-7277) for complex cases. The company has no disclosed funding, no parent company, no institutional investors, and no management team information publicly available. There is no evidence of M&A activity, geographic expansion beyond a single Missouri office, or formal compliance certifications, and the BBB logo is displayed as a trust signal.
Consumers First firmographics
Firmographics- Name
- Consumers First
- Legal name
- Consumers First Insurance
- Website
- https://consumersfirst.com
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Consumers First Insurance is a small independent insurance agency in Arnold, Missouri that compares and places auto, home, and commercial insurance quotes from multiple top-tier carriers for individual consumers and small businesses, using EZLynx and AgentInsure third-party platforms and earning commission-based revenue.
- Ownership category
- akta.pro rank
Where Consumers First is headquartered
LocationHeadquarters
- HQ city
- Arnold
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Consumers First business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Insurance Commission Revenue: As an independent insurance agency, Consumers First earns commissions from insurance carriers when policies are sold. Revenue is generated through commissions on auto, home, and commercial insurance policies placed with partner insurance companies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Custom insurance policies with individualized pricing based on risk assessment |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Consumers First product offering
Product offeringCore offering
Consumers First is an independent insurance agency that aggregates and compares auto, home, and commercial insurance quotes from multiple top-tier insurance carriers. Customers can request personalized quotes through the company website (powered by EZLynx) or by phone, and the agency places policies with partner carriers while earning commissions on each policy sold.
Product overview
Consumers First is an independent insurance agency offering personal and commercial insurance products through multiple carriers. The core product portfolio consists of personal Auto Insurance and Home Insurance (covering homeowners, renters, and condo policies) for individual consumers, alongside Commercial Insurance products including Commercial Auto, Commercial General Liability (CGL), Commercial Property, Workers Compensation, and Business Owner Package (BOP) for business owners. The agency operates as a lead generation and quote comparison platform, enabling customers to compare and obtain insurance quotes online from multiple top-tier carriers.
Differentiator
Problem solved
Functional benefit
Products and services
- Auto Insurance Personal auto insurance coverage including Collision Coverage (vehicle damage from accidents), Comprehensive Coverage (theft, fire, vandalism), Liability Coverage (damages to others when at fault), and Medical Payments/PIP (injury coverage for driver and passengers). Available to individual consumers seeking coverage for personal vehicles.
- Home Insurance Home insurance policies covering homeowners, renters, and condo owners, protecting against natural disasters, theft, fire, and providing coverage for both property structure and personal contents. Available to individual consumers and property owners.
- Commercial Auto Insurance Business vehicle insurance for vehicles used for business operations, providing coverage beyond personal auto policies for business-related incidents. Targeted at small business owners.
- Commercial General Liability Insurance Liability coverage for bodily injury, property damage, personal injury, and advertising injury; designed as a foundational policy for business insurance needs. Targeted at small business owners.
- Commercial Property Insurance Business property coverage protecting against fire, theft, and natural disasters for businesses with physical locations. Targeted at small business owners with physical premises.
- Workers Compensation Coverage for work-related injuries providing lost income and medical expense benefits to employees, commonly required by employers including temporary workers. Targeted at small business owners with employees.
- Business Owner Package (BOP) Bundled insurance package for small businesses combining vehicle, property, business income, and bodily injury coverage into a single policy. Targeted at small business owners seeking consolidated coverage.
Companies that use Consumers First
Customer profileSegments3 records
Ideal customer profiles2 records
Consumers First technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Consumers First partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- EZLynxcoreWebsite development and hosting platform. Provides the insurance rating and quoting technology infrastructure used for generating customer insurance quotes. EZLynx is a recognized insurance agency website development and software platform provider.
- AgentInsurecoreProvides the live insurance comparison quoting engine for the compare quotes feature. Powers the secure quote comparison portal where customers can receive side-by-side insurance quotes.
- Top-tier Insurance Carriers (unnamed)coreMultiple insurance carriers whose products are quoted through the independent agency platform. The company describes working with several top-tier insurance companies to provide competitive quotes to customers across auto, home, and commercial insurance lines.
Scale indicators1 record
Recent moves1 record
Expansion highlights1 record
Consumers First competitors and assessment
Company assessmentDirect peers
- SmartFinancial: Online insurance comparison marketplace that lets consumers compare auto, home, and other P&C quotes across multiple carriers — closely overlapping online quote-aggregation model.
- Policygenius: Digital insurance marketplace that aggregates quotes across life, auto, home, and disability from multiple carriers — directly comparable online quote-comparison value proposition.
- Insurify: AI-powered insurance comparison platform that delivers side-by-side auto and home quotes from multiple carriers — same multi-carrier quote aggregation proposition, delivered purely digitally.
- The Zebra: Online insurance comparison marketplace letting consumers compare auto and home quotes from multiple carriers — competes for the same customer journey that Consumers First's website enables.
- Goosehead Insurance: Independent insurance agency franchise that aggregates quotes from multiple top-tier carriers for personal and commercial lines — directly aligned business model with Consumers First, just at vastly larger scale and publicly traded.
Broad incumbents
- HUB International: Large North American insurance brokerage placing personal, commercial, and specialty coverage across multiple carriers — comparable multi-carrier intermediary model at significantly greater scale.
- Brown & Brown, Inc. National insurance brokerage providing personal and commercial P&C distribution through carrier relationships — broad incumbent in the same intermediary distribution model.
- Lockton Companies: Largest privately held independent insurance brokerage, distributing commercial and personal coverage from multiple carriers — same independent-agency distribution archetype, vastly larger scale.
- Arthur J. Gallagher & Co. Large global insurance brokerage and risk management firm aggregating coverage from multiple carriers across personal and commercial lines — much larger incumbent that competes for the same SMB and individual insurance distribution wallet.
Emerging players
- CoverHound (now Zywave): Commercial insurance comparison platform focused on small business and SMB lines — directly relevant to Consumers First's commercial auto, CGL, BOP, and workers comp offerings.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat2 records
Key risks6 records
Key highlights5 records
Customer concentration
Consumers First social profiles
Digital presenceConsumers First financial estimates
Financial estimateRevenue estimate
Valuation estimate
Consumers First leadership team
Management profileNumber of profiles
Consumers First funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Consumers First M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Consumers First
What does Consumers First do?
Consumers First is an independent insurance agency that aggregates and compares auto, home, and commercial insurance quotes from multiple top-tier insurance carriers. Customers can request personalized quotes through the company website (powered by EZLynx) or by phone, and the agency places policies with partner carriers while earning commissions on each policy sold.
Is Consumers First a public or private company?
Consumers First is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Consumers First founded?
Consumers First was founded in 1985. It employs 1 to 10 people.
Where is Consumers First based?
Consumers First is headquartered in Arnold, United States, in the North America region.
How does Consumers First make money?
One revenue line is on record: insurance Commission Revenue.
Who are Consumers First's main competitors?
Direct peers on record are SmartFinancial, Policygenius, Insurify, The Zebra and Goosehead Insurance. Broad incumbents are HUB International, Brown & Brown, Inc., Lockton Companies and Arthur J. Gallagher & Co.. CoverHound (now Zywave) is listed as an emerging player.
Does Consumers First have an API?
No public API is recorded for Consumers First.