By line of business, independent agencies placed 87.2% of commercial lines premiums in 2024, nearly level with 87.3% in 2023. In personal lines, their share rose to 39%, up from 38.7% the previous year and continuing growth from 35.7% in 2020. Total direct written premiums increased to $1.05 trillion in 2024, compared to $952 billion in 2023.