Ryan Harvey

What Ryan Harvey does

Ryan Harvey operates as an independent contractor State Farm insurance agent through Harvey Insurance Agency Inc, headquartered at 185 Hwy 965 Ste 1 in North Liberty, Iowa. The agency was established with State Farm in 2013 by Ryan Harvey, who holds the Chartered Financial Consultant (ChFC) designation. It serves individual consumers, families, and small businesses across Eastern Iowa, including North Liberty, Tiffin, Coralville, Iowa City, Burlington, West Burlington, Fort Madison, Cedar Rapids, Marion, and surrounding communities, with active producer licenses in Iowa, Illinois, and Missouri.

The agency's product portfolio spans property and casualty insurance (auto, homeowners, condo, renters, motorcycle, recreational vehicles, boat, business), personal lines (life, health, pet via Trupanion), and financial services (mutual funds, annuities, IRAs, education savings plans, estate planning via State Farm VP Management Corp. and SFIMC; banking products via U.S. Bank National Association). The underlying technology stack is the State Farm platform, including web-based quote generation, the State Farm Mobile App, the Life Enhanced App, and add-on services such as the Ting fire-safety program through Whisker Labs. The agency also maintains an active digital presence across Google, Yelp, Facebook, and YouTube.

Revenue is generated through commissions on insurance policies and renewals, plus licensing/royalty economics on investment and banking products. Pricing is quote-based and varies by state, coverage, deductibles, and customer factors, with billing on monthly or annual cadences. Go-to-market combines a physical office, an inside sales team reachable by phone (319-354-1400) and SMS, virtual meetings, website self-service quote requests, and customer review-driven local reputation (4.9/5 average across 282 Google reviews). The business model is franchise-style: State Farm provides the brand, products, and technology infrastructure, while the agent owns customer relationships and team operations.

Name

Ryan Harvey

Legal name

Harvey Insurance Agency Inc

Website

https://ryanharvey.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Ryan Harvey is a State Farm independent contractor insurance agent operating Harvey Insurance Agency Inc in North Liberty, Iowa. The agency sells auto, home, life, business, pet, and financial products to individuals, families, and small businesses across Eastern Iowa.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Auto insurance
• Homeowners insurance
• Life insurance
• Small business insurance
• Investment services

Headquarters

HQ city

North Liberty

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: Ryan Harvey earns commissions from State Farm for insurance policies sold including auto, homeowners, renters, life, health, pet, motorcycle, boat, recreational vehicles, and business insurance. As an independent contractor agent, revenue is generated through policy premiums and renewals.
2. Investment and Banking Products: Revenue from State Farm investment products including mutual funds, annuities, IRAs, education savings plans, and estate planning services offered through the agency.
3. Pet Insurance (Trupanion): Pet insurance products underwritten by American Pet Insurance Company and ZPIC Insurance Company, administered by Trupanion.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Ryan Harvey operates as an independent contractor State Farm insurance agent through Harvey Insurance Agency Inc in North Liberty, Iowa, selling personal lines of insurance (auto, homeowners, condo, renters, life, pet, motorcycle, boat, recreational vehicles, health) along with small business insurance, banking products, and investment services (mutual funds, annuities, IRAs, education savings plans) to individuals, families, and small businesses in eastern Iowa.

Product overview

Ryan Harvey operates as a State Farm Insurance Agent representing Harvey Insurance Agency Inc. The offering is a unified insurance and financial services agency built on the State Farm platform. The core portfolio spans property and casualty insurance products (Auto, Homeowners, Condo, Renters, Business, Motorcycle, Recreational Vehicles, Boat, Pet) and financial services (Life Insurance, Health Insurance, Investment Services, Annuities, Banking). These products are distributed through State Farm's corporate infrastructure, with pet insurance administered via Trupanion and banking products through U.S. Bank National Association. The agency serves the North Liberty, Iowa area including surrounding communities.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle coverage including collision, comprehensive, car rental, travel expenses, and Good Driver Discounts for North Liberty drivers. For individual consumers and families.
• Homeowners Insurance Property coverage protecting homes against damage, with optional Ting fire safety program for electrical fire prevention for eligible Non-Tenant Homeowner policyholders.
• Condo Unitowners Insurance Coverage for condominium units protecting personal property and liability for North Liberty condo owners.
• Renters Insurance Protection for personal belongings in rented apartments or townhomes, covering damage and theft.
• Life Insurance Coverage providing financial protection for loved ones, with options including level payments, flexible payments, and lifetime coverage.
• Business Insurance Small business coverage including errors and omissions liability, workers compensation, and surety or fidelity bonds.
• Motorcycle Insurance Coverage for motorcyclists including property damage, emergency expenses, and 24/7 roadside assistance.
• Recreational Vehicles Insurance Protection for RVs, campers, motorhomes, and camper vans with medical payments and roadside assistance.
• Boat Insurance Vessel coverage with automatic additional coverages for temporary repairs and emergency service, plus optional boat rental liability.
• Pet Insurance Coverage administered through Trupanion for dogs and cats, protecting against injury and unexpected veterinary expenses.
• Health Insurance Personal and health coverage options for individuals and families in the North Liberty area.
• Investment Services Financial products including mutual funds, variable universal life, retirement planning, IRAs, education savings plans, and estate planning.
• Annuities Retirement income products providing steady payments during retirement, offered through State Farm.
• Banking Products Deposit products and installment loans offered through U.S. Bank National Association, member FDIC.

Quantifiable outcome

• 4.9/5 average rating on Google (282 reviews)

Named customers3 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

Feature4 records

Partnerships

One partnership is on record.

• State Farm Mutual Automobile Insurance CompanycoreChannel Partner/ Reseller/ DistributorRyan Harvey operates as an independent contractor State Farm agent. The agency sells and services State Farm insurance products including auto, homeowners, life, and other insurance lines. State Farm provides the insurance products, brand, technology platforms, and support while the agent manages customer relationships and sales.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Progressive: Progressive sells auto, home, and other insurance both directly and through independent agents. Its hybrid distribution competes with State Farm agents on auto pricing while offering agents an alternative carrier option that Ryan Harvey's captive model cannot access.
• GEICO: GEICO is a major direct-to-consumer auto insurer with no agent intermediation. Represents the structural counter-model that pressures local agents like Ryan Harvey on price-sensitive auto and renters lines.
• State Farm (corporate parent and other captive agents): State Farm is the parent brand and product manufacturer that Ryan Harvey's agency represents. Other State Farm captive agents operate the same independent-contractor model, selling the identical product set, making them the most directly comparable peer set even though the corporate entity is far larger.

Regional players

• Auto-Owners Insurance: Auto-Owners is a Michigan-headquartered mutual insurer distributing through independent agents across the Midwest. Highly relevant as an alternative distribution channel competing for the same small-town Iowa households and small businesses.
• Erie Insurance: Erie is a regional super-regional P&C carrier that distributes through local agents across the Midwest and Mid-Atlantic, often beating national carriers on price and service in its footprint. Highly comparable to a State Farm agent serving Eastern Iowa in product mix and customer segment.
• Country Financial: Country Financial (Country Mutual) is a Midwest-focused insurer offering auto, home, life, and investment products through local agents in rural and small-town markets. Operates a near-identical agency model to Ryan Harvey's in overlapping Iowa geography.

Emerging players

• Lemonade: Lemonade is a digital-first insurtech using AI-driven underwriting and a mobile-only experience. Represents the long-term structural threat to local agent-led personal lines distribution that agencies like Ryan Harvey must defend against on service and bundling.

Direct peers

• Nationwide Insurance (captive agents): Nationwide's exclusive agent program sells auto, home, life, and small-business insurance in local communities, directly competing with State Farm agents for the same Iowa households and small businesses.
• Farmers Insurance (captive agents): Farmers Insurance distributes through captive agents who offer auto, home, life, and small-business coverage under one brand. The agency economics, local-presence model, and product breadth closely mirror a State Farm agent office like Ryan Harvey's.
• Allstate Insurance (captive agents): Allstate runs a parallel captive-agent model where local agents sell exclusively Allstate-branded auto, home, life, and small-business products. Operationally and competitively, an Allstate exclusive agent in Iowa competes head-to-head with a State Farm agent for the same household insurance dollar.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks4 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/ryan-harvey---state-farm-insurance-agent

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 Ryan Harvey