Insurance is the most expensive keyword money can buy.
This is GEICO and Progressive showing us that insurance distribution is extremely valuable. Those local brokers’ salaries are now being paid to Google engineers.
Advertising is expensive, though, and you need scale for this business model to work.
US Auto liability works fine, but it is both the biggest and most standardized insurance market in the world. It is the exception that proves the rule that an insurance broker is an economically useful advocate.