Kirk Miller Insurance Agency

What Kirk Miller Insurance Agency does

Kirk Miller Insurance Agency, Inc. is a privately held, founder-owned independent insurance agency headquartered at 10636 Scripps Summit Ct #110 in San Diego, California, founded in 2006 by Kirk Miller. The firm operates as a captive Farmers Insurance agency, distributing personal and commercial insurance products through licensed agents across an 18-state service area (CA, AZ, NV, TX, WA, IL, NM, OR, LA, MN, MT, OK, UT, FL, CO, MI, ID, VA). The agency holds California Insurance License #0F17377 and serves 11-50 employees supporting a primarily individual and small-business customer base.

The agency's product portfolio spans personal lines (Home, Auto, Umbrella, Recreational Vehicle, Life, and Health insurance), commercial lines (Commercial Insurance covering property, general liability, workers' compensation, business interruption, professional liability, cyber, and commercial auto), and specialized verticals including HOA Insurance (common areas, D&O, crime/fidelity, workers' compensation) and Group Life and Health. All products are sourced through the Farmers Insurance carrier partnership rather than proprietary technology; the firm has no app, API, or disclosed technology systems. The agency differentiates through trilingual service capability (English, Spanish, Arabic), 20+ years of operating history, multi-policy bundling discounts, and a 4.9/5.0 customer rating across 353 reviews.

The business model is commission-based, with revenue generated on policy premiums placed with Farmers Insurance. The GTM motion is sales-led, combining direct phone outreach ((858) 240-2593), online quote request forms, and in-person consultations at the San Diego office. Pricing is quote-based on individual risk factors with monthly billing and multiple discount programs (youth, senior, multi-policy, education-based). Marketing relies on the corporate website, customer reviews, and direct response channels, with no disclosed paid acquisition, social media presence, or venture capital backing.

Name

Kirk Miller Insurance Agency

Legal name

Kirk Miller Insurance Agency, Inc.

Website

https://kirkmillerinsurance.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Kirk Miller Insurance Agency is a privately held, founder-owned Farmers Insurance captive agency in San Diego, CA, providing personal, commercial, HOA, and life and health insurance products to individuals, families, and small businesses across 18 U.S. states.

Ownership category

akta.pro rank

Headquarters

HQ city

San Diego

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, Others

Revenue model

1. Insurance Commission Revenue: The agency operates as a Farmers Insurance agency, earning commissions from the sale of various insurance policies including auto, home, commercial, life, health, and specialty insurance products. Revenue is generated through policy premiums placed with carrier partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Kirk Miller Insurance Agency is a Farmers Insurance agency providing personal and commercial insurance products through licensed agents. The agency sells home, auto, umbrella, recreational vehicle, life, health, commercial, HOA, and group life and health policies to individuals and businesses across an 18-state service area. Policies are placed with Farmers Insurance and other carrier partners, and the agency is compensated through commissions on premiums.

Product overview

Kirk Miller Insurance Agency is a traditional insurance agency offering a comprehensive portfolio of personal and commercial insurance products. The agency operates as a single, unified service offering rather than a platform-plus-modules architecture. Personal insurance products include Home Insurance, Auto Insurance, Umbrella Insurance, and Recreational Vehicle Insurance, while life and health coverage encompasses Life Insurance (term, whole, universal, variable, and final expense), Health Insurance, and Personal Life and Health plans. Commercial offerings include Commercial Insurance and HOA Insurance, with Group Life and Health serving business clients. All products are offered through licensed agents who provide personalized guidance across the agency's 18-state service area.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance

Quantifiable outcome

• 4.9 out of 5.0 customer satisfaction rating based on 353 reviews

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Farmers InsuranceprimaryChannel Partner/ Reseller/ DistributorKirk Miller Insurance Agency operates as a Farmers Insurance agency, offering Farmers Insurance products to clients. The agency leverages the Farmers Insurance brand and product portfolio to serve personal and commercial insurance customers across their 18-state service area.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Hub International Limited: Hub International is a large North American insurance brokerage offering commercial, personal, and employee benefits products. Its broad P&C brokerage portfolio places it in the same competitive set as Kirk Miller for commercial and personal clients.
• Brown & Brown, Inc. Brown & Brown is a publicly traded national insurance brokerage providing retail and wholesale property/casualty, employee benefits, and personal lines. Its independent-agency and brokerage model overlaps with Kirk Miller's distribution model, though at vastly greater scale.
• USI Insurance Services: USI is a national insurance brokerage and consulting firm offering property/casualty, employee benefits, and personal lines. It is comparable as a multi-line intermediary targeting mid-market commercial clients similar to Kirk Miller's SMB and HOA segments.
• Acrisure: Acrisure is a large insurance brokerage and financial-services platform offering commercial, personal, and benefits products across the U.S. and internationally. Its multi-line retail brokerage model directly overlaps Kirk Miller's commercial and personal-lines distribution.
• Hilb Group: Hilb Group is a large national insurance brokerage with personal, commercial, and employee benefits offerings across the U.S. It is comparable to Kirk Miller as a multi-line property/casualty and benefits intermediary, though at significantly larger scale and broader portfolio.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk-management firm providing commercial, personal, and benefits solutions. It competes for the same SMB and mid-market commercial clients Kirk Miller serves, though across a far broader product and geographic portfolio.

Direct peers

• Leavitt Group: Leavitt Group is a privately held, multi-line independent insurance agency offering personal, commercial, and benefits products across the Western U.S. — directly comparable to Kirk Miller in product breadth, multi-state agency model, and SMB/HOA client focus.
• Insurance Office of America: IOA is an independent insurance agency offering personal, commercial, and life & health products across a multi-state footprint. Its full-service agency model with SMB and HOA-adjacent clientele closely mirrors Kirk Miller's go-to-market.
• M3 Insurance: M3 Insurance is a Midwest-based independent insurance brokerage providing commercial, personal, and benefits products. While regionally concentrated, its multi-line independent-agency model and SMB/HORAE client mix is comparable to Kirk Miller's offering.
• The Liberty Company Insurance Brokers: Liberty is an independent insurance brokerage providing personal, commercial, and employee benefits solutions across multiple states. Like Kirk Miller, it competes on multi-line, multi-state agency service for SMBs and households, though at materially larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Customer concentration

• Facebookfacebook.com/KirkMillerFarmersInsurance
• LinkedInlinkedin.com/company/kirk-miller-insurance-agency-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Kirk Miller Insurance Agency