Market rankings · Auto
Top markets for insurance agencies
Every U.S. metro area, small-town market and county, ranked by the Groundwork market score for insurance agencies. The score weighs household spending per agency, households per business, population growth and spending power.
- Listings in the U.S.
- 201,378
- 42,629 chain locations (21%)
- Official establishments
- 133,728
- −1.0% since 2019
- Household spending a year
- $252.8B
- On vehicle insurance
- Listings per 10k households
- 15.6
- Spending per listing: $1.3M
A site report maps the insurance agencies on map listings around the address by name and distance, and the spending within reach.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
The U.S. has 201,378 insurance agencies on map listings as of September 2026. 42,629 of them (21%) are chain locations. That is 15.6 per 10,000 households.
Households in the U.S. spend about $252.8B a year on vehicle insurance, or $1,957 per household. That is about $1.3M of household spending for each agency on map listings.
Official counts show 133,728 businesses with payroll classed as insurance agencies and brokerages in the U.S. in 2023, down 1.0% from 2019. They employ 818,561 people, with $74.4B in annual payroll.
The Hinesville, GA metro area has the highest market score for insurance agencies among 387 scored metro areas, at 96. In the 10 highest-scoring metro areas, the median spending per agency is 95% above the U.S. figure, and the median rate of listings per household is 32% below the U.S. rate.
Top markets
These tables (CSV)Ranked by the Groundwork market score, which weighs household spending per competitor, households per business with payroll, population growth and spending power against every other market of the same kind. How the score works.
Top metro areas of 1 million people or more
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth |
|---|---|---|---|---|---|
| 35Washington-Arlington-Alexandria, DC-VA-MD-WV | 80 | 2,518 | 10.6 | $2.1M | +3.3% |
| 58Virginia Beach-Chesapeake-Norfolk, VA-NC | 75 | 807 | 11.4 | $2.2M | +0.9% |
| 60Raleigh-Cary, NC | 75 | 858 | 14.9 | $1.7M | +12.6% |
| 66Jacksonville, FL | 73 | 905 | 13.6 | $1.7M | +10.7% |
| 69Charlotte-Concord-Gastonia, NC-SC | 72 | 1,592 | 14.8 | $1.7M | +10.1% |
| 91Richmond, VA | 68 | 849 | 15.9 | $1.6M | +5.5% |
| 95Austin-Round Rock-San Marcos, TX | 68 | 1,679 | 17.0 | $1.4M | +14.0% |
| 106Riverside-San Bernardino-Ontario, CA | 65 | 2,142 | 14.8 | $1.5M | +3.5% |
| 113Nashville-Davidson–Murfreesboro–Franklin, TN | 64 | 1,557 | 18.8 | $1.4M | +8.7% |
| 122Baltimore-Columbia-Towson, MD | 62 | 1,465 | 13.1 | $1.7M | +0.4% |
| 130Providence-Warwick, RI-MA | 59 | 615 | 9.1 | $1.7M | +2.1% |
| 140Orlando-Kissimmee-Sanford, FL | 58 | 1,696 | 16.6 | $1.4M | +10.3% |
| 142San Antonio-New Braunfels, TX | 58 | 1,888 | 19.5 | $1.3M | +9.5% |
| 144Memphis, TN-MS-AR | 57 | 853 | 16.3 | $1.5M | −0.3% |
| 148Urban Honolulu, HI | 56 | 312 | 9.2 | $1.9M | −2.3% |
Top 50 metro areas
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth |
|---|---|---|---|---|---|
| 1Hinesville, GA | 96 | 21 | 7.0 | $3.6M | +12.6% |
| 2Clarksville, TN-KY | 94 | 135 | 10.8 | $2.4M | +8.5% |
| 3Jacksonville, NC | 92 | 53 | 7.0 | $3.6M | +6.0% |
| 4Hagerstown-Martinsburg, MD-WV | 92 | 133 | 11.3 | $2.3M | +7.1% |
| 5Pinehurst-Southern Pines, NC | 91 | 46 | 10.5 | $2.5M | +10.3% |
| 6Spartanburg, SC | 90 | 162 | 11.3 | $2.3M | +14.3% |
| 7Staunton-Stuarts Draft, VA | 89 | 52 | 10.0 | $2.7M | +3.2% |
| 8Lexington Park, MD | 88 | 63 | 8.3 | $3.5M | +2.1% |
| 9Dover, DE | 88 | 80 | 11.2 | $2.3M | +6.8% |
| 10Durham-Chapel Hill, NC | 88 | 269 | 10.8 | $2.2M | +7.5% |
| 11Killeen-Temple, TX | 88 | 212 | 11.9 | $2.1M | +7.2% |
| 12Cleveland, TN | 88 | 68 | 13.6 | $2.1M | +6.1% |
| 13Auburn-Opelika, AL | 88 | 99 | 12.9 | $2M | +7.1% |
| 14Wildwood-The Villages, FL | 87 | 44 | 6.3 | $3.2M | +21.1% |
| 15Rocky Mount, NC | 87 | 59 | 10.1 | $2.6M | +2.8% |
| 16Winchester, VA-WV | 87 | 64 | 11.5 | $2.4M | +6.5% |
| 17Sebring, FL | 86 | 42 | 9.0 | $2.4M | +9.7% |
| 18Morristown, TN | 86 | 66 | 13.8 | $2M | +7.9% |
| 19Huntsville, AL | 86 | 309 | 15.0 | $1.7M | +12.5% |
| 20Harrisonburg, VA | 85 | 56 | 11.2 | $2.6M | +3.5% |
| 21Warner Robins, GA | 85 | 106 | 14.2 | $1.9M | +8.2% |
| 22Charlottesville, VA | 83 | 98 | 10.8 | $2.4M | +3.1% |
| 23Homosassa Springs, FL | 83 | 75 | 10.5 | $2.2M | +11.1% |
| 24Augusta-Richmond County, GA-SC | 83 | 286 | 12.3 | $2M | +4.7% |
| 25Punta Gorda, FL | 83 | 110 | 12.1 | $1.9M | +15.5% |
| 26Fayetteville, NC | 82 | 143 | 9.6 | $2.5M | +1.6% |
| 27Ocala, FL | 82 | 195 | 11.8 | $2M | +17.3% |
| 28Panama City-Panama City Beach, FL | 82 | 110 | 12.5 | $2M | +15.7% |
| 29Gettysburg, PA | 81 | 23 | 5.6 | $3.4M | +3.6% |
| 30Elizabethtown, KY | 81 | 61 | 12.1 | $2.1M | +2.4% |
| 31Johnson City, TN | 81 | 116 | 13.0 | $2M | +4.3% |
| 32Tuscaloosa, AL | 81 | 134 | 12.7 | $2M | +2.9% |
| 33Burlington, NC | 81 | 95 | 13.6 | $1.9M | +8.5% |
| 34Wilmington, NC | 81 | 264 | 13.2 | $1.9M | +15.9% |
| 35Washington-Arlington-Alexandria, DC-VA-MD-WV | 80 | 2,518 | 10.6 | $2.1M | +3.3% |
| 36Winston-Salem, NC | 80 | 354 | 12.6 | $2.1M | +5.3% |
| 37Asheville, NC | 80 | 195 | 12.1 | $2.1M | +3.6% |
| 38Amherst Town-Northampton, MA | 79 | 28 | 4.5 | $3.4M | +10.4% |
| 39Hilton Head Island-Bluffton-Port Royal, SC | 79 | 103 | 10.8 | $2.2M | +12.0% |
| 40Myrtle Beach-Conway-North Myrtle Beach, SC | 79 | 191 | 12.0 | $2M | +20.9% |
| 41College Station-Bryan, TX | 79 | 137 | 13.0 | $1.9M | +6.9% |
| 42Daphne-Fairhope-Foley, AL | 79 | 161 | 16.3 | $1.6M | +14.8% |
| 43Kingsport-Bristol, TN-VA | 78 | 170 | 13.0 | $2M | +2.3% |
| 44Crestview-Fort Walton Beach-Destin, FL | 78 | 150 | 12.5 | $2M | +9.4% |
| 45Merced, CA | 78 | 87 | 10.1 | $2M | +5.1% |
| 46Lake Havasu City-Kingman, AZ | 78 | 99 | 9.7 | $2M | +6.5% |
| 47Pensacola-Ferry Pass-Brent, FL | 78 | 252 | 12.5 | $2M | +6.5% |
| 48Bremerton-Silverdale-Port Orchard, WA | 77 | 105 | 9.7 | $2.1M | +2.7% |
| 49Blacksburg-Christiansburg-Radford, VA | 77 | 90 | 12.8 | $2M | −0.1% |
| 50Longview-Kelso, WA | 77 | 46 | 10.5 | $2M | +3.5% |
Top 25 small-town markets
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth |
|---|---|---|---|---|---|
| 1Lake of the Woods, VA | 98 | 11 | 7.4 | $4M | +10.1% |
| 2Lewisburg, TN | 97 | 6 | 4.4 | $6.6M | +10.5% |
| 3Seaford, DE | 95 | 76 | 7.1 | $3.6M | +16.1% |
| 4Newport, TN | 95 | 12 | 7.7 | $3.4M | +5.1% |
| 5Winchester, TN | 94 | 17 | 9.7 | $2.9M | +6.4% |
| 6Fayetteville, TN | 93 | 13 | 8.8 | $3.3M | +4.3% |
| 7Athens, TN | 93 | 29 | 11.0 | $2.6M | +8.2% |
| 8Kingsland, GA | 92 | 21 | 9.7 | $2.6M | +9.5% |
| 9Shelton, WA | 91 | 18 | 6.9 | $3.3M | +7.8% |
| 10Anderson Creek, NC | 91 | 48 | 9.6 | $2.9M | +12.3% |
| 11Shelby-Kings Mountain, NC | 91 | 40 | 10.3 | $2.7M | +3.4% |
| 12Scottsboro, AL | 91 | 24 | 11.0 | $2.5M | +3.3% |
| 13Crossville, TN | 91 | 31 | 11.0 | $2.4M | +8.0% |
| 14Morehead City, NC | 89 | 28 | 8.8 | $2.9M | +4.1% |
| 15Forest City, NC | 89 | 25 | 9.4 | $2.9M | +2.1% |
| 16Arcadia, FL | 89 | 10 | 7.8 | $2.9M | +8.8% |
| 17Ozark, AL | 88 | 14 | 7.1 | $3.6M | +1.3% |
| 18Palatka, FL | 88 | 21 | 6.7 | $3.5M | +5.9% |
| 19Marion, NC | 88 | 17 | 9.1 | $3M | +1.5% |
| 20Gaffney, SC | 88 | 21 | 9.5 | $2.7M | +3.7% |
| 21Athens, TX | 88 | 39 | 11.6 | $2.3M | +7.5% |
| 22Tullahoma-Manchester, TN | 88 | 34 | 13.2 | $2M | +7.3% |
| 23Pahrump, NV | 87 | 15 | 6.8 | $3.1M | +10.3% |
| 24Albemarle, NC | 87 | 26 | 10.3 | $2.8M | +9.8% |
| 25Greeneville, TN | 87 | 34 | 12.0 | $2.3M | +5.0% |
Top 25 counties
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth |
|---|---|---|---|---|---|
| 1Louisa County, VA | 98 | 10 | 6.4 | $5M | +13.6% |
| 2Currituck County, NC | 98 | 10 | 8.4 | $3.9M | +16.7% |
| 3Stafford County, VA | 97 | 26 | 5.0 | $6.1M | +8.3% |
| 4Union County, TN | 97 | 5 | 6.3 | $4.9M | +8.1% |
| 5King William County, VA | 97 | 6 | 8.2 | $3.9M | +9.5% |
| 6Wakulla County, FL | 96 | 6 | 4.7 | $5.9M | +12.3% |
| 7Waller County, TX | 96 | 11 | 6.0 | $4.8M | +21.9% |
| 8Grainger County, TN | 96 | 6 | 6.2 | $4.7M | +9.2% |
| 9Harris County, GA | 96 | 9 | 6.9 | $4.4M | +6.8% |
| 10King George County, VA | 96 | 9 | 8.9 | $3.4M | +10.5% |
| 11Edgefield County, SC | 96 | 8 | 8.2 | $3.4M | +16.1% |
| 12Marshall County, TN | 95 | 6 | 4.4 | $6.6M | +10.5% |
| 13Rockingham County, VA | 95 | 16 | 4.9 | $6.2M | +6.6% |
| 14Hoke County, NC | 95 | 11 | 5.7 | $4.7M | +9.0% |
| 15Frederick County, VA | 95 | 22 | 6.2 | $4.7M | +8.8% |
| 16Pike County, GA | 95 | 5 | 7.4 | $4.5M | +10.5% |
| 17Orange County, VA | 95 | 11 | 7.4 | $4M | +10.1% |
| 18Bandera County, TX | 95 | 7 | 7.6 | $3.7M | +9.0% |
| 19Spotsylvania County, VA | 95 | 44 | 8.4 | $3.6M | +10.5% |
| 20Franklin County, NC | 95 | 24 | 8.4 | $3.4M | +18.8% |
| 21Murray County, GA | 94 | 7 | 4.6 | $6.5M | +4.0% |
| 22Dinwiddie County, VA | 94 | 6 | 5.6 | $5.8M | +3.6% |
| 23Caroline County, VA | 94 | 7 | 5.8 | $5.3M | +11.3% |
| 24Hickman County, TN | 94 | 7 | 7.4 | $4.2M | +5.0% |
| 25Brunswick County, NC | 94 | 47 | 6.8 | $3.9M | +26.5% |
Scored: 387 metro areas, 537 small-town markets and 2,272 counties, each with at least 5 insurance agencies on map listings (counties: 10,000 people or more). Spending per listing is all household spending on vehicle insurance over the listings: demand for each competitor, not revenue. Each market has its own page, reached from its state below.
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Every market in one Excel file
Insurance agencies figures for all 387 metro areas, 538 small-town markets, 3,144 counties and 51 states: the Groundwork market score and rank, map listings and chains, household spending, businesses with payroll, employees and payroll, one-person businesses, SBA-backed loans, population, income and home value, each linked to its page. Sorted, filterable and ready to screen.
Insurance agencies by state
Every market in each state ranked, with the state’s highest-scoring metro area.
- AlabamaTop metro area: Auburn-Opelika metro area · 88
- AlaskaTop metro area: Anchorage metro area · 65
- ArizonaTop metro area: Lake Havasu City-Kingman metro area · 78
- ArkansasTop metro area: Fayetteville-Springdale-Rogers metro area · 67
- CaliforniaTop metro area: Merced metro area · 78
- ColoradoTop metro area: Greeley metro area · 65
- ConnecticutTop metro area: Norwich-New London-Willimantic metro area · 69
- DelawareTop metro area: Dover metro area · 88
- District of ColumbiaTop metro area: Washington-Arlington-Alexandria metro area · 80
- FloridaTop metro area: Wildwood-The Villages metro area · 87
- GeorgiaTop metro area: Hinesville metro area · 96
- HawaiiTop metro area: Kahului-Wailuku metro area · 67
- IdahoTop metro area: Lewiston metro area · 53
- IllinoisTop metro area: Bloomington metro area · 22
- IndianaTop metro area: Michigan City-La Porte metro area · 50
- IowaTop metro area: Iowa City metro area · 47
- KansasTop metro area: Lawrence metro area · 38
- KentuckyTop metro area: Elizabethtown metro area · 81
- LouisianaTop metro area: Hammond metro area · 65
- MaineTop metro area: Portland-South Portland metro area · 61
- MarylandTop metro area: Hagerstown-Martinsburg metro area · 92
- MassachusettsTop metro area: Amherst Town-Northampton metro area · 79
- MichiganTop metro area: Monroe metro area · 59
- MinnesotaTop metro area: Duluth metro area · 32
- MississippiTop metro area: Gulfport-Biloxi metro area · 69
- MissouriTop metro area: Joplin metro area · 31
- MontanaTop metro area: Helena metro area · 58
- NebraskaTop metro area: Omaha metro area · 22
- NevadaTop metro area: Reno metro area · 45
- New HampshireTop metro area: Manchester-Nashua metro area · 56
- New JerseyTop metro area: Vineland metro area · 70
- New MexicoTop metro area: Santa Fe metro area · 56
- New YorkTop metro area: Watertown-Fort Drum metro area · 55
- North CarolinaTop metro area: Jacksonville metro area · 92
- North DakotaTop metro area: Bismarck metro area · 27
- OhioTop metro area: Springfield metro area · 62
- OklahomaTop metro area: Lawton metro area · 50
- OregonTop metro area: Albany metro area · 69
- PennsylvaniaTop metro area: Gettysburg metro area · 81
- Rhode IslandTop metro area: Providence-Warwick metro area · 59
- South CarolinaTop metro area: Spartanburg metro area · 90
- South DakotaTop metro area: Rapid City metro area · 34
- TennesseeTop metro area: Clarksville metro area · 94
- TexasTop metro area: Killeen-Temple metro area · 88
- UtahTop metro area: Logan metro area · 54
- VermontTop metro area: Burlington-South Burlington metro area · 46
- VirginiaTop metro area: Staunton-Stuarts Draft metro area · 89
- WashingtonTop metro area: Bremerton-Silverdale-Port Orchard metro area · 77
- West VirginiaTop metro area: Morgantown metro area · 72
- WisconsinTop metro area: Kenosha metro area · 65
- WyomingTop metro area: Cheyenne metro area · 30
Related business types
- Auto repair and car care460,791 listings
- Auto repair shops278,355 listings
- Collision repair and body shops40,150 listings
- Car washes and detailing49,135 listings
- Tire shops49,435 listings
- Oil change and quick lube9,009 listings
- Gas stations140,612 listings
Questions
Which metro areas have the highest market score for insurance agencies?
The top 5 are Hinesville, GA (96); Clarksville, TN-KY (94); Jacksonville, NC (92); Hagerstown-Martinsburg, MD-WV (92); and Pinehurst-Southern Pines, NC (91). The score compares each of 387 scored metro areas with the others for insurance agencies.
How many insurance agencies are in the U.S.?
Map listings as of September 2026 show 201,378 insurance agencies in the U.S. 42,629 of them (21%) are chain locations. The listings count insurance agencies. Official counts show 133,728 businesses with payroll classed as insurance agencies and brokerages in 2023, down 1.0% from 2019.
How much do U.S. households spend on vehicle insurance?
About $252.8B a year, or $1,957 per household. Spread across the 201,378 insurance agencies on map listings, it comes to $1.3M per agency. It is estimated from the incomes of the 129,209,336 households in the U.S. and national spending patterns by income.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. Markets with fewer than 5 map listings of the type, and counties under 10,000 people, aren’t scored, since a few businesses can swing their figures.
How can I see the market around a specific site?
Run a Groundwork site report on an address anywhere in the U.S. It maps the insurance agencies on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
All business types and every U.S. market · How we measure
Screening a site or an acquisition?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.