Auto · Metro area · Hawaii
Insurance agencies in the Urban Honolulu, HI metro area
How the Urban Honolulu, HI 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 56 out of 100: Upper middle
Ranked #148 of 387 scored metro areas
#2 of 2 scored metro areas based in Hawaii
- Listings
- 312
- 54 chain locations (17%)
- Official establishments
- 277
- 0.0% since 2019
- Household spending a year
- $602.2M
- On vehicle insurance · $1,777 a household
- Spending per listing
- $1.9M
- 54% above the U.S.
- Listings per 10k households
- 9.2
- 41% below the U.S.
- Population, 2025
- 988,703
- −2.3% since 2020
See the insurance agencies around any address in the Urban Honolulu 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 Urban Honolulu 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
Household spending on vehicle insurance in the Urban Honolulu metro area comes to about $602.2M a year: $1,777 per household, 9% below the U.S. average. That works out to $1.9M per agency, 54% above the U.S. figure of $1.3M.
There are 312 insurance agencies on map listings in the Urban Honolulu metro area as of September 2026. 54 of them (17%) are chain locations, against 21% across the U.S. That is 9.2 per 10,000 households, 41% below the U.S. rate of 15.6.
The official count of businesses with payroll classed as insurance agencies and brokerages in the Urban Honolulu metro area was 277 in 2023, unchanged from 2019. That is one for every 1,223 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $50K has gone to businesses classed as insurance agencies and brokerages in the Urban Honolulu metro area.
Between 2020 and 2025, the population of the Urban Honolulu metro area declined 2.3%, against +3.1% for the U.S. The Urban Honolulu metro area scores 56 (upper middle) on the Groundwork market score for insurance agencies, ranking #148 of 387 scored metro areas and #2 of 2 scored metro areas based in Hawaii.
How the Urban Honolulu metro area compares
The same measures for Hawaii 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 | Urban Honolulu metro area | Hawaii | U.S. |
|---|---|---|---|
| Listings per 10k households | 9.2 | 8.0 | 15.6 |
| Spending per listing | $1.9M | $2.3M | $1.3M |
| Households per official establishment | 1,223 | 1,279 | 966 |
| Official establishment growth, 2019–2023 | 0.0% | +1.6% | −1.0% |
| Population growth, 2020–2025 | −2.3% | −1.3% | +3.1% |
| Spending per household on vehicle insurance | $1,777 | $1,869 | $1,957 |
| Median household income | $106,195 | $100,389 | $80,734 |
| Groundwork market score | 56 | 67 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 2770.0% over the period
- Employees, 2023
- 1,481
- Annual payroll, 2023
- $120.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 31254 chain locations
- Listings at the U.S. rate for this spending
- 480The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $50K
SBA-backed loans to businesses classed as insurance agencies and brokerages in the Urban Honolulu 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 Urban Honolulu metro area
- Population, 2025 estimate
- 988,703−2.3% since 2020
- Households
- 338,868
- Median age
- 41.3
- Homes lived in by their owners
- 60%
- Vehicles per household
- 1.8
- Land area
- 601 sq. mi.
- People per square mile
- 1,666
- Median household income
- $106,195+23.7% vs. 2015–2019, before inflation
- Average household income
- $136,603
- Median home value
- $897,500
- Jobs located here
- 441,980
- Daytime population
- 1,039,068Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Urban Honolulu 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 Urban Honolulu 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 Hawaii
Every Hawaii market ranked →The highest-scoring metro areas in Hawaii for insurance agencies, numbered among those based in Hawaii, with the Urban Honolulu metro area marked.
Top metro areas in Hawaii
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Kahului-Wailuku, HI | 67 | 32 | 5.7 | $3.7M | −2.5% | #96 of 387 |
| 2Urban Honolulu, HI | 56 | 312 | 9.2 | $1.9M | −2.3% | #148 of 387 |
Other business types in the Urban Honolulu 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 Urban Honolulu, HI metro area?
As of September 2026, map listings count 312 insurance agencies in the Urban Honolulu metro area. 54 of them (17%) are chain locations. The listings count insurance agencies. Official counts show 277 businesses with payroll classed as insurance agencies and brokerages in 2023, unchanged from 2019.
How much do households in the Urban Honolulu, HI metro area spend on vehicle insurance?
About $602.2M a year, or $1,777 per household. That is 9% below the U.S. average (an index of 91, where 100 is the U.S. average). Spread across the 312 insurance agencies on map listings, it comes to $1.9M per agency. It is estimated from the incomes of the 338,868 households in the Urban Honolulu metro area and national spending patterns by income.
How does the Urban Honolulu, HI metro area compare with the U.S. for insurance agencies?
The Urban Honolulu metro area has 9.2 insurance agencies per 10,000 households, 41% below the U.S. rate of 15.6. Spending per agency is $1.9M, 54% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, the Urban Honolulu metro area would have about 480, against 312 on map listings. There is one business with payroll in the industry for every 1,223 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 Urban Honolulu, HI metro area growing?
Population estimates put the Urban Honolulu metro area at 988,703 people in 2025, down 2.3% since 2020, against +3.1% for the U.S. It has 338,868 households. Median household income in the Urban Honolulu metro area is $106,195, 32% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 23.7%, before inflation.
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 Urban Honolulu metro area scores 56 for insurance agencies (upper middle), #148 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 Urban Honolulu 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 Urban Honolulu metro area
Screening a site or an acquisition in the Urban Honolulu 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 Urban Honolulu 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.