Auto · Small-town market · Colorado
Insurance agencies in the Steamboat Springs, CO area
The insurance agencies in the Steamboat Springs, CO area, the household spending behind them and how the market ranks against other small-town markets.
Groundwork market score · out of 100
Score 50 out of 100: Upper middle
Ranked #266 of 537 scored small-town markets
#6 of 10 scored small-town markets based in Colorado
- Listings
- 23
- 9 chain locations (39%)
- Official establishments
- 20
- 0.0% since 2019
- Household spending a year
- $35.5M
- On vehicle insurance · $2,128 a household
- Spending per listing
- $1.5M
- 23% above the U.S.
- Listings per 10k households
- 13.8
- 12% below the U.S.
- Population, 2025
- 38,451
- +0.9% since 2020
See the insurance agencies around any address in the Steamboat Springs 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 Steamboat Springs 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 23 insurance agencies in the Steamboat Springs area. Chain locations make up 39% of them, against 21% across the U.S. That is 13.8 per 10,000 households, 12% below the U.S. rate of 15.6.
Households in the Steamboat Springs area spend about $35.5M a year on vehicle insurance, or $2,128 per household, 9% above the U.S. average. That works out to $1.5M per agency, 23% above the U.S. figure of $1.3M.
In 2023, official counts showed 20 businesses with payroll in the Steamboat Springs area classed as insurance agencies and brokerages, unchanged from 2019. That is one for every 834 households, against one for every 966 across the U.S.
Population estimates show the Steamboat Springs area grew 0.9% from 2020 to 2025, slower than the U.S. (+3.1%). For insurance agencies, the Steamboat Springs area has a Groundwork market score of 50 (upper middle): #266 of 537 scored small-town markets and #6 of 10 scored small-town markets based in Colorado.
How the Steamboat Springs 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 | Steamboat Springs area | Colorado | U.S. |
|---|---|---|---|
| Listings per 10k households | 13.8 | 19.2 | 15.6 |
| Spending per listing | $1.5M | $1M | $1.3M |
| Households per official establishment | 834 | 760 | 966 |
| Official establishment growth, 2019–2023 | 0.0% | −1.0% | −1.0% |
| Population growth, 2020–2025 | +0.9% | +3.9% | +3.1% |
| Spending per household on vehicle insurance | $2,128 | $1,936 | $1,957 |
| Median household income | $95,400 | $95,470 | $80,734 |
| Groundwork market score | 50 | 38 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 200.0% over the period
- Employees, 2023
- 141
- Annual payroll, 2023
- $12.4M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 239 chain locations
- Listings at the U.S. rate for this spending
- 28The 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 Steamboat Springs 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 Steamboat Springs area
- Population, 2025 estimate
- 38,451+0.9% since 2020
- Households
- 16,671
- Median age
- 42.8
- Homes lived in by their owners
- 74%
- Vehicles per household
- 2.1
- Land area
- 7,105 sq. mi.
- People per square mile
- 5
- Median household income
- $95,400
- Average household income
- $129,770
- Median home value
- $564,500
- Jobs located here
- 19,359
- Daytime population
- 36,698Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Steamboat Springs 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 Steamboat Springs 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 Steamboat Springs 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 Steamboat Springs 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 Steamboat Springs, CO area?
The Steamboat Springs area has 23 insurance agencies on map listings as of September 2026. 9 of them (39%) are chain locations. The listings count insurance agencies. Official counts show 20 businesses with payroll classed as insurance agencies and brokerages in 2023, unchanged from 2019.
How much do households in the Steamboat Springs, CO area spend on vehicle insurance?
About $35.5M a year, or $2,128 per household. That is 9% above the U.S. average (an index of 109, where 100 is the U.S. average). Spread across the 23 insurance agencies on map listings, it comes to $1.5M per agency. It is estimated from the incomes of the 16,671 households in the Steamboat Springs area and national spending patterns by income.
How does the Steamboat Springs, CO area compare with the U.S. for insurance agencies?
The Steamboat Springs area has 13.8 insurance agencies per 10,000 households, 12% below the U.S. rate of 15.6. Spending per agency is $1.5M, 23% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Steamboat Springs area would have about 28, against 23 on map listings. There is one business with payroll in the industry for every 834 households, against one for every 966 across the U.S. The official count held level from 2019 to 2023, against −1.0% for the U.S.
How fast is the Steamboat Springs, CO area growing?
Population estimates put the Steamboat Springs area at 38,451 people in 2025, up 0.9% since 2020, slower than the U.S. (+3.1%). It has 16,671 households. The median household income in the Steamboat Springs area is $95,400 a year, 18% 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 Steamboat Springs area scores 50 for insurance agencies (upper middle), #266 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 Steamboat Springs 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 Steamboat Springs area
Screening a site or an acquisition in the Steamboat Springs 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 Steamboat Springs 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.