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County Market Report · Miami-Dade, FL · Property & Casualty

The independent insurance market in Miami-Dade County

Miami-Dade is the 1st-largest of 67 Florida counties by active P&C agency count, with 5,564 licensed agencies and 7,472 active 2-20 general-lines agents on the state register.

Active agencies
5,564
1st of 67 FL counties
2-20 agents
7,472
active general-lines licenses
New agencies (12mo)
637
1st statewide
Median appointments
8
per 2-20 agent · state 7

The market read

What the numbers say about Miami-Dade County’s structure — each read traceable to the figures above, from public records only.

Market structure
A market of small and solo shops
The typical agency runs 1.3 agents. Half of Miami-Dade's 2-20 agents carry 8 or fewer carrier appointments, and the bottom quarter carry 3 or fewer — the long fragmented tail of an unconsolidated market.
Placement breadth
Broad carrier appetite — real placement options
Over the last 90 days the top three appointing carriers accounted for 49% of new 2-20 appointments in Miami-Dade. New capacity is spread across many carriers, so an agency here has room to diversify.
Talent pipeline
Producer inflow tracks the state norm
696 new 2-20 producers were licensed in Miami-Dade over the past year — about 13% of the agency base, in line with the state's 14% replenishment rate.
Formation momentum
New-agency formation has accelerated
296 new agencies formed in the last six months versus 268 in the prior six — up 10%.
Wondering where your own book sits in this market? Ask the advisor →

Agency formation in Miami-Dade County

637 new agency licenses were issued in Miami-Dade over the trailing 12 months — the 1st-most of any Florida county, out of 2,776 statewide. New-agency licensing is the clearest public signal of where the market is growing versus consolidating — the full month-by-month trend for the trailing 24 months is in the report below.

The full Miami-Dade County report

The median 2-20 agent in Miami-Dade holds 8 distinct carrier appointments, above the statewide median of 7. The full percentile spread — and where a book like yours sits in it — is in the report.

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New-licensee pipeline
Newly licensed agents by class (2-20, personal lines, 4-40, adjusters) across 90-day and 12-month windows — the local hiring pool.
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Full appointment spread
The complete percentile distribution of carrier appointments per agent — place your own book against the market.
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Who's appointing now
The carriers issuing the most new 2-20 appointments in this county over the last 90 days — where placement capacity is opening.
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Formation, month by month
The full 24-month new-agency licensing trend — is this market accelerating or cooling, and since when.
Get the full Miami-Dade County report

The complete report — licensee pipeline by class, the full carrier-appointment spread, and the carriers appointing now — emailed as a print-ready page. Free, from public records.

No spam. One email with your report. Aggregate public-record data only.
How we handle this data
Public records only
Built from state licensing and carrier-appointment records — never from any agency’s private book.
We never sell your data or broker your agency
Pexara is not a broker. We don’t list agencies for sale and we don’t represent buyers against you.
Benchmarks only at n ≥ 5
The market briefing adds peer comparisons only when at least five agencies are pooled — never identifying another operator.

Other Florida county markets

Broward County
4,493 agencies · 490 new/yr
Palm Beach County
2,931 agencies · 268 new/yr
Orange County
1,941 agencies · 235 new/yr
Hillsborough County
1,864 agencies · 192 new/yr
Pinellas County
1,456 agencies · 113 new/yr
Duval County
906 agencies · 60 new/yr
Lee County
881 agencies · 70 new/yr
Seminole County
692 agencies · 39 new/yr

Built entirely from public records — State licensing and carrier-appointment registries (FL DFS, TX TDI), Pexara vertical-data store. Retrieved 2026-07-02. No individual agency is named on these pages. Counts are of licensed agency entities with P&C qualification, assigned to metro by county of record. Platform-owned = agencies identified as owned by a consolidation platform; the remainder are independent. Figures are a point-in-time snapshot; week-over-week movement is available only from 2026-06-12 forward.