Auto · Metro area · Alabama
Insurance agencies in the Birmingham, AL metro area
How the Birmingham, AL metro area compares with other metro areas and the U.S. for insurance agencies: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 48 out of 100: Lower middle
Ranked #195 of 387 scored metro areas
#12 of 12 scored metro areas based in Alabama
- Listings
- 936
- 241 chain locations (26%)
- Official establishments
- 547
- +1.3% since 2019
- Household spending a year
- $1.2B
- On vehicle insurance · $2,550 a household
- Spending per listing
- $1.3M
- In line with the U.S.
- Listings per 10k households
- 20.1
- 29% above the U.S.
- Population, 2025
- 1,197,766
- +1.4% since 2020
See the insurance agencies around any address in the Birmingham metro area
The site report maps the insurance agencies on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of the Birmingham metro area. Signed out, you see a blurred preview; on an account, each report is one action.
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
As of September 2026, map listings count 936 insurance agencies in the Birmingham metro area. 241 of them (26%) are chain locations, against 21% across the U.S. That is 20.1 per 10,000 households, 29% above the U.S. rate of 15.6.
Household spending on vehicle insurance in the Birmingham metro area comes to about $1.2B a year: $2,550 per household, 30% above the U.S. average. Spread across 936 insurance agencies, that is $1.3M per agency, in line with the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in the Birmingham metro area was 547 in 2023, up 1.3% from 2019. That is one for every 850 households, against one for every 966 across the U.S. Since fiscal 2022, 11 SBA-backed loans worth $5.8M have gone to businesses classed as insurance agencies and brokerages in the Birmingham metro area.
Between 2020 and 2025, the population of the Birmingham metro area grew 1.4%, slower than the U.S. (+3.1%). The Birmingham metro area scores 48 (lower middle) on the Groundwork market score for insurance agencies, ranking #195 of 387 scored metro areas and #12 of 12 scored metro areas based in Alabama.
How the Birmingham metro area compares
The same measures for Alabama and the whole U.S. Spending per listing divides a year of household spending on all vehicle insurance by the insurance agencies counted, so it measures the demand for each competitor, not any business’s revenue. Households per establishment does the same with the official count.
| Measure | Birmingham metro area | Alabama | U.S. |
|---|---|---|---|
| Listings per 10k households | 20.1 | 16.2 | 15.6 |
| Spending per listing | $1.3M | $1.6M | $1.3M |
| Households per official establishment | 850 | 1,150 | 966 |
| Official establishment growth, 2019–2023 | +1.3% | +1.4% | −1.0% |
| Population growth, 2020–2025 | +1.4% | +3.2% | +3.1% |
| Spending per household on vehicle insurance | $2,550 | $2,568 | $1,957 |
| Median household income | $71,498 | $63,999 | $80,734 |
| Groundwork market score | 48 | 74 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 547+1.3% over the period
- Employees, 2023
- 2,892
- Annual payroll, 2023
- $285.5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 936241 chain locations
- Listings at the U.S. rate for this spending
- 945The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 11
- Amount
- $5.8M
SBA-backed loans to businesses classed as insurance agencies and brokerages in the Birmingham metro area, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in the Birmingham metro area
- Population, 2025 estimate
- 1,197,766+1.4% since 2020
- Households
- 465,003
- Median age
- 40.0
- Homes lived in by their owners
- 71%
- Vehicles per household
- 1.9
- Land area
- 5,280 sq. mi.
- People per square mile
- 224
- Median household income
- $71,498
- Average household income
- $100,521
- Median home value
- $240,200
- Jobs located here
- 555,318
- Daytime population
- 1,227,371Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Birmingham metro area?
These figures cover the whole metro area. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the insurance agencies on map listings by name and distance.
Or open the report at the center of the Birmingham metro area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardInsurance agencies across Alabama
Every Alabama market ranked →The highest-scoring metro areas in Alabama for insurance agencies, numbered among those based in Alabama (a market based in another state is listed without a number), with the Birmingham metro area marked.
Top metro areas in Alabama
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Auburn-Opelika, AL | 88 | 99 | 12.9 | $2M | +7.1% | #13 of 387 |
| 2Huntsville, AL | 86 | 309 | 15.0 | $1.7M | +12.5% | #19 of 387 |
| 3Tuscaloosa, AL | 81 | 134 | 12.7 | $2M | +2.9% | #32 of 387 |
| 4Daphne-Fairhope-Foley, AL | 79 | 161 | 16.3 | $1.6M | +14.8% | #42 of 387 |
| 5Decatur, AL | 75 | 97 | 15.5 | $1.8M | +2.5% | #59 of 387 |
| 6Anniston-Oxford, AL | 74 | 64 | 14.2 | $1.8M | −0.3% | #61 of 387 |
| 7Montgomery, AL | 68 | 227 | 15.0 | $1.6M | +0.9% | #90 of 387 |
| 8Gadsden, AL | 63 | 67 | 17.0 | $1.6M | +0.4% | #117 of 387 |
| 9Florence-Muscle Shoals, AL | 57 | 124 | 19.5 | $1.4M | +3.5% | #146 of 387 |
| Columbus, GA-AL | 56 | 202 | 15.8 | $1.5M | −1.3% | #151 of 387 |
| 12Birmingham, AL | 48 | 936 | 20.1 | $1.3M | +1.4% | #195 of 387 |
Other business types in the Birmingham metro area
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
Funeral services
Questions
How many insurance agencies are in the Birmingham, AL metro area?
The Birmingham metro area has 936 insurance agencies on map listings as of September 2026. 241 of them (26%) are chain locations. The listings count insurance agencies. Official counts show 547 businesses with payroll classed as insurance agencies and brokerages in 2023, up 1.3% from 2019.
How much do households in the Birmingham, AL metro area spend on vehicle insurance?
About $1.2B a year, or $2,550 per household. That is 30% above the U.S. average (an index of 130, where 100 is the U.S. average). Spread across the 936 insurance agencies on map listings, it comes to $1.3M per agency. It is estimated from the incomes of the 465,003 households in the Birmingham metro area and national spending patterns by income.
How does the Birmingham, AL metro area compare with the U.S. for insurance agencies?
The Birmingham metro area has 20.1 insurance agencies per 10,000 households, 29% above the U.S. rate of 15.6. Spending per agency is $1.3M, in line with the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Birmingham metro area would have about 945, against 936 on map listings. There is one business with payroll in the industry for every 850 households, against one for every 966 across the U.S. The official count rose 1.3% from 2019 to 2023, against −1.0% for the U.S.
How fast is the Birmingham, AL metro area growing?
Population estimates put the Birmingham metro area at 1,197,766 people in 2025, up 1.4% since 2020, slower than the U.S. (+3.1%). It has 465,003 households. The median household income in the Birmingham metro area is $71,498 a year, 11% below the U.S. median of $80,734.
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. The Birmingham metro area scores 48 for insurance agencies (lower middle), #195 of 387 scored metro areas.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Birmingham metro area. 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.
How the score works · Top markets for insurance agencies · All 56 business types in the Birmingham metro area
Screening a site or an acquisition in the Birmingham metro area?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of the Birmingham metro area. Signed out, you see a blurred preview; on an account, each report is one action.
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.