Auto · Small-town market · Colorado
Insurance agencies in the Breckenridge, CO area
How the Breckenridge, CO area compares with other small-town markets and the U.S. for insurance agencies: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 62 out of 100: Upper middle
Ranked #162 of 537 scored small-town markets
#2 of 10 scored small-town markets based in Colorado
- Listings
- 13
- 3 chain locations (23%)
- Official establishments
- 17
- Businesses with payroll, 2023
- Household spending a year
- $30.4M
- On vehicle insurance · $1,952 a household
- Spending per listing
- $2.3M
- 86% above the U.S.
- Listings per 10k households
- 8.4
- 46% below the U.S.
- Population, 2025
- 39,069
- +1.1% since 2020
See the insurance agencies around any address in the Breckenridge 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 Breckenridge 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
Map listings as of September 2026 show 13 insurance agencies in the Breckenridge area. Chain locations make up 23% of them, against 21% across the U.S. That is 8.4 per 10,000 households, 46% below the U.S. rate of 15.6.
Household spending on vehicle insurance in the Breckenridge area comes to about $30.4M a year: $1,952 per household, in line with the U.S. average. That works out to $2.3M per agency, 86% above the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in the Breckenridge area was 17 in 2023. That is one for every 916 households, against one for every 966 across the U.S.
Population estimates show the Breckenridge area grew 1.1% from 2020 to 2025, slower than the U.S. (+3.1%). For insurance agencies, the Breckenridge area has a Groundwork market score of 62 (upper middle): #162 of 537 scored small-town markets and #2 of 10 scored small-town markets based in Colorado.
How the Breckenridge area compares
The same measures for Colorado 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 | Breckenridge area | Colorado | U.S. |
|---|---|---|---|
| Listings per 10k households | 8.4 | 19.2 | 15.6 |
| Spending per listing | $2.3M | $1M | $1.3M |
| Households per official establishment | 916 | 760 | 966 |
| Official establishment growth, 2019–2023 | n/a | −1.0% | −1.0% |
| Population growth, 2020–2025 | +1.1% | +3.9% | +3.1% |
| Spending per household on vehicle insurance | $1,952 | $1,936 | $1,957 |
| Median household income | $105,544 | $95,470 | $80,734 |
| Groundwork market score | 62 | 38 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 17
- Employees, 2023
- 52
- Annual payroll, 2023
- $4.2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 133 chain locations
- Listings at the U.S. rate for this spending
- 24The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as insurance agencies and brokerages in the Breckenridge 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 Breckenridge area
- Population, 2025 estimate
- 39,069+1.1% since 2020
- Households
- 15,565
- Median age
- 41.4
- Homes lived in by their owners
- 73%
- Vehicles per household
- 2.0
- Land area
- 985 sq. mi.
- People per square mile
- 39
- Median household income
- $105,544
- Average household income
- $141,268
- Median home value
- $748,200
- Jobs located here
- 26,426
- Daytime population
- 40,672Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Breckenridge area?
These figures cover the whole small-town market. 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 Breckenridge 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 Colorado
Every Colorado market ranked →The highest-scoring small-town markets in Colorado for insurance agencies, numbered among those based in Colorado, with the Breckenridge area marked.
Top small-town markets in Colorado
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Cañon City, CO | 63 | 24 | 13.4 | $1.5M | +2.4% | #159 of 537 |
| 2Breckenridge, CO | 62 | 13 | 8.4 | $2.3M | +1.1% | #162 of 537 |
| 3Edwards, CO | 58 | 22 | 10.0 | $2.1M | −2.4% | #198 of 537 |
| 4Alamosa, CO | 55 | 18 | 15.7 | $1.3M | +2.1% | #221 of 537 |
| 5Montrose, CO | 54 | 28 | 15.5 | $1.4M | +4.1% | #227 of 537 |
| 6Steamboat Springs, CO | 50 | 23 | 13.8 | $1.5M | +0.9% | #266 of 537 |
| 7Fort Morgan, CO | 48 | 17 | 15.4 | $1.4M | +4.2% | #281 of 537 |
| 8Rifle, CO | 48 | 49 | 15.0 | $1.4M | +1.2% | #282 of 537 |
| 9Durango, CO | 45 | 37 | 15.2 | $1.4M | +2.2% | #305 of 537 |
| 10Sterling, CO | 19 | 18 | 21.9 | $874K | −2.7% | #494 of 537 |
Other business types in the Breckenridge 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 Breckenridge, CO area?
There are 13 insurance agencies on map listings in the Breckenridge area as of September 2026. 3 of them (23%) are chain locations. The listings count insurance agencies. Official counts show 17 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in the Breckenridge, CO area spend on vehicle insurance?
About $30.4M a year, or $1,952 per household. That is in line with the U.S. average (an index of 100, where 100 is the U.S. average). Spread across the 13 insurance agencies on map listings, it comes to $2.3M per agency. It is estimated from the incomes of the 15,565 households in the Breckenridge area and national spending patterns by income.
How does the Breckenridge, CO area compare with the U.S. for insurance agencies?
The Breckenridge area has 8.4 insurance agencies per 10,000 households, 46% below the U.S. rate of 15.6. Spending per agency is $2.3M, 86% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Breckenridge area would have about 24, against 13 on map listings. There is one business with payroll in the industry for every 916 households, against one for every 966 across the U.S.
How fast is the Breckenridge, CO area growing?
Population estimates put the Breckenridge area at 39,069 people in 2025, up 1.1% since 2020, slower than the U.S. (+3.1%). It has 15,565 households. The median household income in the Breckenridge area is $105,544 a year, 31% above 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. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. 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 Breckenridge area scores 62 for insurance agencies (upper middle), #162 of 537 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Breckenridge 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 Breckenridge area
Screening a site or an acquisition in the Breckenridge 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 Breckenridge 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.