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Keyword Strategy

Best Google Ads Keywords for Insurance Agents (2025)

The right keywords can cut your cost per lead in half. Here are the exact keywords to target—and avoid—for your insurance agent business.

High-Converting Keywords for Insurance Agents

independent insurance agent [city]
$28
high intent

Specifically seeking local agent relationship, not direct carrier. Higher close rates.

commercial insurance [city]
$55
high intent

Business clients have much higher LTV than personal lines. Worth premium CPC.

small business insurance
$48
high intent

Business owners need guidance carriers don't provide. Relationship opportunity.

SR-22 insurance [city]
$35
high intent

High-risk niche carriers avoid. Less competition, ongoing client relationship.

contractors insurance
$42
high intent

Specialty commercial niche. Contractor needs ongoing certificates, renewals.

Keywords to Avoid for Insurance Agents

These keywords drain your budget without delivering quality leads:

cheap car insurance

Pure price shoppers who will buy direct from carriers.

insurance quotes

Quote aggregator traffic, extremely low conversion.

insurance jobs

Job seekers, not clients.

GEICO

Brand searches—they're looking for GEICO, not you.

insurance license

Industry professionals, not clients.

Service-Specific Keywords for Insurance Agents

Build campaigns around these specific services:

Auto insurance

Home insurance

Life insurance

Commercial insurance

Business insurance

Specialty coverage

Risk assessment