Auto · Small-town market · Maine
Insurance agencies in the Augusta-Waterville, ME area
The insurance agencies in the Augusta-Waterville, ME area, the household spending behind them and how the market ranks against other small-town markets.
Groundwork market score · out of 100
Score 53 out of 100: Upper middle
Ranked #236 of 537 scored small-town markets
The only scored small-town market based in Maine
- Listings
- 62
- 12 chain locations (19%)
- Official establishments
- 40
- −7.0% since 2019
- Household spending a year
- $84.5M
- On vehicle insurance · $1,557 a household
- Spending per listing
- $1.4M
- 9% above the U.S.
- Listings per 10k households
- 11.4
- 27% below the U.S.
- Population, 2025
- 129,067
- +3.5% since 2020
See the insurance agencies around any address in the Augusta-Waterville 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 Augusta-Waterville 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 62 insurance agencies in the Augusta-Waterville area. Of those, 12 are chain locations, or 19%, against 21% across the U.S. That comes to 11.4 for every 10,000 households, 27% below the U.S. rate of 15.6.
Household spending on vehicle insurance in the Augusta-Waterville area comes to about $84.5M a year: $1,557 per household, 20% below the U.S. average. Spread across 62 insurance agencies, that is $1.4M per agency, 9% above the U.S. figure of $1.3M.
Official counts show 40 businesses with payroll classed as insurance agencies and brokerages in the Augusta-Waterville area in 2023, down 7.0% from 2019. That is one for every 1,358 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $12K has gone to businesses classed as insurance agencies and brokerages in the Augusta-Waterville area.
Between 2020 and 2025, the population of the Augusta-Waterville area grew 3.5%, in step with the U.S. (+3.1%). The Augusta-Waterville area scores 53 (upper middle) on the Groundwork market score for insurance agencies, ranking #236 of 537 scored small-town markets and the only scored small-town market based in Maine.
How the Augusta-Waterville area compares
The same measures for Maine 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 | Augusta-Waterville area | Maine | U.S. |
|---|---|---|---|
| Listings per 10k households | 11.4 | 9.8 | 15.6 |
| Spending per listing | $1.4M | $1.6M | $1.3M |
| Households per official establishment | 1,358 | 1,301 | 966 |
| Official establishment growth, 2019–2023 | −7.0% | +4.3% | −1.0% |
| Population growth, 2020–2025 | +3.5% | +3.7% | +3.1% |
| Spending per household on vehicle insurance | $1,557 | $1,609 | $1,957 |
| Median household income | $69,077 | $74,733 | $80,734 |
| Groundwork market score | 53 | 68 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 40−7.0% over the period
- Employees, 2023
- 236
- Annual payroll, 2023
- $19.4M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 6212 chain locations
- Listings at the U.S. rate for this spending
- 67The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $12K
SBA-backed loans to businesses classed as insurance agencies and brokerages in the Augusta-Waterville 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 Augusta-Waterville area
- Population, 2025 estimate
- 129,067+3.5% since 2020
- Households
- 54,312
- Median age
- 43.8
- Homes lived in by their owners
- 74%
- Vehicles per household
- 1.7
- Land area
- 868 sq. mi.
- People per square mile
- 146
- Median household income
- $69,077+24.8% vs. 2015–2019, before inflation
- Average household income
- $88,742
- Median home value
- $238,200
- Jobs located here
- 65,677
- Daytime population
- 134,017Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Augusta-Waterville 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 Augusta-Waterville area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardOther business types in the Augusta-Waterville area
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
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Clothing and laundry
Home services
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Funeral services
Questions
How many insurance agencies are in the Augusta-Waterville, ME area?
There are 62 insurance agencies on map listings in the Augusta-Waterville area as of September 2026. 12 of them (19%) are chain locations. The listings count insurance agencies. Official counts show 40 businesses with payroll classed as insurance agencies and brokerages in 2023, down 7.0% from 2019.
How much do households in the Augusta-Waterville, ME area spend on vehicle insurance?
About $84.5M a year, or $1,557 per household. That is 20% below the U.S. average (an index of 80, where 100 is the U.S. average). Spread across the 62 insurance agencies on map listings, it comes to $1.4M per agency. It is estimated from the incomes of the 54,312 households in the Augusta-Waterville area and national spending patterns by income.
How does the Augusta-Waterville, ME area compare with the U.S. for insurance agencies?
The Augusta-Waterville area has 11.4 insurance agencies per 10,000 households, 27% below the U.S. rate of 15.6. Spending per agency is $1.4M, 9% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Augusta-Waterville area would have about 67, against 62 on map listings. There is one business with payroll in the industry for every 1,358 households, against one for every 966 across the U.S. The official count fell 7.0% from 2019 to 2023, against −1.0% for the U.S.
How fast is the Augusta-Waterville, ME area growing?
Population estimates put the Augusta-Waterville area at 129,067 people in 2025, up 3.5% since 2020, in step with the U.S. (+3.1%). It has 54,312 households. The median household income in the Augusta-Waterville area is $69,077 a year, 14% below the U.S. median of $80,734. That rose 24.8% from the 2015–2019 survey, 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. 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 Augusta-Waterville area scores 53 for insurance agencies (upper middle), #236 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 Augusta-Waterville 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 Augusta-Waterville area
Screening a site or an acquisition in the Augusta-Waterville 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 Augusta-Waterville 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.