jeffrey michael lucas

What jeffrey michael lucas does

Jeff Lucas Insurance Agcy Inc, operating as Jeff Lucas - State Farm Agent, is a privately held independent insurance agency located at 3708 Columbus Avenue, Suite 6, Sandusky, Ohio. The firm is owned by Jeff Lucas, a US Air Force veteran, and operates under a 5-person team (1 agent plus 4 staff including a Personal Account Representative, a Customer Service Representative, and an Office Representative handling payroll and accounting). It functions as an independent contractor of State Farm Mutual Automobile Insurance Company, distributing State Farm-branded insurance and financial products within Erie, Huron, Sandusky, and Lorain Counties in Ohio.

The agency's core offering is property and casualty insurance — Auto, Homeowners, Condo, Renters, Motorcycle, Boat, and Recreational Vehicles — alongside Life and Pet insurance. It also distributes banking products (via U.S. Bank National Association), investment services, and annuities (via State Farm Investment Management Corp. and State Farm VP Management Corp.). Pet insurance is supplied through Trupanion. The agency leverages State Farm's digital platform, including Drive Safe & Save (telematics-based, up to 30% savings), the State Farm Pocket Agent mobile app, online quote generation, and the Simple Insights content engine. The technology stack is entirely State Farm-provided; no proprietary technology, API, or AI assets are built in-house.

The revenue model is commission-based: Jeff Lucas earns commissions on every policy sold, plus fees and trails on banking, investment, and annuity products. Pricing is quote-based, with monthly billing and bundling discounts across multiple policy lines. Customer acquisition is direct-to-consumer via a single physical office, phone (419-626-3072), text, online quote forms, and review-driven referral (4.9/5 Google rating across 177 reviews). Customer segments are horizontal: individual consumers/families (primary) and small business owners (secondary) within a defined four-county Ohio geography.

Name

jeffrey michael lucas

Legal name

Jeff Lucas Insurance Agcy Inc

Website

https://jefflucasinsurance.com

Company type

Private

Operating status

Operating

Short description

Jeff Lucas Insurance Agcy Inc is an independent State Farm insurance agency in Sandusky, Ohio, distributing auto, home, life, business, and pet insurance plus banking and investment products to individuals and small businesses across four northern Ohio counties.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance Agency

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAFAA

Small Business BOP (Main Street)

Financial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)

Keywords

• Personal lines insurance
• Property casualty insurance
• Small business insurance
• Insurance agency services
• Financial services distribution

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As an independent State Farm insurance agent, Jeff Lucas earns commissions on insurance policies sold including Auto, Homeowners, Condo, Renters, Business, Life, Motorcycle, Boat, Recreational Vehicles, and Pet insurance. Also earns commissions on banking, investment services, and annuity products offered through State Farm.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Jeff Lucas Insurance Agcy Inc is an independently owned State Farm insurance agency that sells personal lines and small business insurance (Auto, Homeowners, Condo, Renters, Motorcycle, Boat, Recreational Vehicles, Life, Pet, and Business) plus financial products (annuities, mutual funds, retirement planning, banking, and credit cards) to individual consumers and small businesses in northern Ohio. The agency operates from a single Sandusky office and earns commissions on policies placed with State Farm and its partners, using State Farm's digital platform for quoting and policy management.

Product overview

Jeff Lucas Insurance Agency operates as a State Farm insurance agent offering a comprehensive portfolio of insurance and financial products. The core offering consists of property and casualty insurance products including Auto, Homeowners, Condo, Renters, Business, Motorcycle, Boat, and Recreational Vehicle insurance, plus Life and Pet insurance. Financial services include Investment Services, Annuities, and Banking products through State Farm's network and U.S. Bank National Association. The agency leverages State Farm's Personal Price Plan for customizable coverage, and sells Trupanion pet insurance. Products are offered individually or as bundled packages with multi-policy discounts. The agency serves Erie, Huron, Sandusky, and Lorain Counties in Ohio.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance coverage with flexible options and savings programs including Drive Safe & Save (up to 30% savings), Steer Clear, Good Student Discounts, and Vehicle Safety Features discounts for anti-theft devices. Designed for individual vehicle owners and families in northern Ohio.
• Homeowners Insurance Property insurance covering natural disasters and legal liability for injuries at the residence, with access to the Ting electrical fire prevention program. Targeted at homeowners in northern Ohio.
• Life Insurance Coverage options including level or flexible payments with lifetime or specific timeframe coverage, issued by State Farm Life Insurance Company. Includes the Life Enhanced mobile app for wellness tracking and estate planning tools. Targeted at individuals and families planning financial security.
• Condo Insurance Condo Unitowners Insurance covering unexpected damage to personal property from covered perils such as theft, smoke, or wind. Targeted at condominium owners in northern Ohio.
• Renters Insurance Coverage protecting personal belongings including valuables like jewelry, sports equipment, and electronics. Targeted at renters of apartments or condos.
• Business Insurance Small business coverage options including business property, extra expense, and business liability for various business types such as delis, appliance stores, and shoe repair shops. Targeted at small business owners in northern Ohio.
• Motorcycle Insurance Motorcycle coverage with 24/7 roadside assistance for cruisers and sport bikes, covering theft, accident damage, and protective gear. Targeted at motorcycle owners in northern Ohio.
• Boat Insurance Vessel insurance including liability coverage with wreck removal and emergency service, with optional endorsements for boat rental liability, fishing tournament fee reimbursement, and incidental commercial fishing. Targeted at boat owners in northern Ohio.
• Recreational Vehicles (RV) Insurance Coverage for camper vans, travel trailers, motorhomes, and RVs with protection against theft, collision, and vandalism. Personal Articles Policy available for valuables like video equipment, laptops, bicycles, and scuba gear. Targeted at RV owners and outdoor enthusiasts.
• Pet Insurance Pet medical insurance underwritten by American Pet Insurance Company and ZPIC Insurance Company, administered by Trupanion. Covers dogs and cats with lifetime coverage and 24/7 support. Targeted at pet owners.
• Investment Services Financial products and services including mutual funds, annuities, variable universal life, retirement planning, IRAs, education savings plans, estate planning, and business retirement plans. Advisory services provided through State Farm Investment Management Corp. (SFIMC). Targeted at individuals, families, and small business owners building long-term financial plans.
• Banking Products Deposit products and installment loans offered through U.S. Bank National Association, including credit cards issued pursuant to a Visa U.S.A. Inc. license. Targeted at consumers and small businesses seeking bundled banking services through their State Farm agent.
• Annuities Retirement annuity products providing income payout options based on individual stage of life and financial goals. Targeted at individuals planning for retirement income.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• State FarmcoreChannel Partner/ Reseller/ DistributorJeff Lucas operates as an independent State Farm insurance agent. State Farm is the largest insurer of automobiles and homes in the U.S. The partnership provides access to comprehensive insurance products including Auto, Homeowners, Life, Business, and more, along with financial products like mutual funds, annuities, and banking services. The agent represents State Farm in serving the Sandusky, OH market.
• U.S. Bank National AssociationminorOthersU.S. Bank National Association provides installment loans and deposit products through the State Farm partnership. The credit card is issued by U.S. Bank pursuant to a Visa U.S.A. Inc. license. State Farm VP Management Corp. is a registered broker-dealer offering advisory services through State Farm Investment Management Corp. (SFIMC).

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• State Farm: The parent carrier and brand under which Jeff Lucas operates; the largest US auto and home insurer and the counterparty for all the agency's primary product offerings, making it the most direct strategic reference point for valuation and product access.
• Nationwide: Columbus, Ohio-based national carrier with a captive agent force selling auto, home, life, and small business coverage; directly comparable product mix and distribution model, with the same Ohio geography advantage as the subject.
• Allstate: Large national personal-lines carrier with a captive exclusive agent distribution model; competes with State Farm agents for the same household insurance wallet share across Ohio and the broader US.
• Progressive: Ohio-headquartered national insurer with significant direct-to-consumer auto volume; comparable auto insurance product set and a key competitor for Ohio households, especially through online and bundled channels.
• GEICO: Direct-to-consumer personal-lines carrier with national brand advertising; represents the principal non-agent competitive pressure on State Farm agents in the auto and home categories.
• Liberty Mutual: National P&C carrier with both independent agent distribution and direct channels; competes across personal and small commercial lines with overlapping product breadth to the subject agency.
• USAA: Member-owned national insurer focused on military-affiliated households; particularly relevant given the agency's Air Force veteran ownership and the strong affinity between veteran-led agencies and the USAA member base.

Direct peers

• Erie Insurance: A regional mutual insurer with strong penetration across Ohio, Pennsylvania, and the Mid-Atlantic; competes head-to-head with State Farm agents for the same Main Street households and small businesses in northern Ohio through its own captive agent network.

Emerging players

• Root Insurance: Columbus, Ohio-based insurtech using telematics-based auto underwriting; a meaningful Ohio-based disruptor in personal auto that competes for the same younger, mobile-first customers the subject agency targets.
• Lemonade: Direct-to-consumer insurtech offering renters, homeowners, pet, and auto insurance through a mobile-first experience; the canonical example of digital-native competition eroding the traditional captive agent value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/statefarm
• Facebookfacebook.com/115018309881970
• LinkedInlinkedin.com/company/jeff-lucas---state-farm-insurance-agent

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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