Auto · County · Maine
Insurance agencies in Penobscot County, ME
The insurance agencies in Penobscot County, ME, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 49 out of 100: Lower middle
Ranked #1,147 of 2,272 scored counties
#12 of 16 scored counties in Maine
- Listings
- 78
- 24 chain locations (31%)
- Official establishments
- 49
- +6.5% since 2019
- Household spending a year
- $105.7M
- On vehicle insurance · $1,621 a household
- Spending per listing
- $1.4M
- 8% above the U.S.
- Listings per 10k households
- 12.0
- 23% below the U.S.
- Population, 2025
- 157,967
- +3.8% since 2020
See the insurance agencies around any address in Penobscot County
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 Penobscot County. 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 78 insurance agencies in Penobscot County. 24 of them (31%) are chain locations, against 21% across the U.S. That is 12.0 per 10,000 households, 23% below the U.S. rate of 15.6.
At $1,621 per household (17% below the U.S. average), households in Penobscot County spend about $105.7M a year on vehicle insurance. That is about $1.4M of household spending for each agency on map listings, 8% above the U.S. figure of $1.3M.
Official counts show 49 businesses with payroll classed as insurance agencies and brokerages in Penobscot County in 2023, up 6.5% from 2019. That is one for every 1,331 households, against one for every 966 across the U.S.
Population estimates show Penobscot County grew 3.8% from 2020 to 2025, faster than the U.S. (+3.1%). Penobscot County scores 49 (lower middle) on the Groundwork market score for insurance agencies, ranking #1,147 of 2,272 scored counties and #12 of 16 scored counties in Maine.
How Penobscot County 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 | Penobscot County | Maine | U.S. |
|---|---|---|---|
| Listings per 10k households | 12.0 | 9.8 | 15.6 |
| Spending per listing | $1.4M | $1.6M | $1.3M |
| Households per official establishment | 1,331 | 1,301 | 966 |
| Official establishment growth, 2019–2023 | +6.5% | +4.3% | −1.0% |
| Population growth, 2020–2025 | +3.8% | +3.7% | +3.1% |
| Spending per household on vehicle insurance | $1,621 | $1,609 | $1,957 |
| Median household income | $66,356 | $74,733 | $80,734 |
| Groundwork market score | 49 | 68 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 46 → 49+6.5% over the period
- Employees, 2023
- 693
- Annual payroll, 2023
- $60.2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 7824 chain locations
- Listings at the U.S. rate for this spending
- 84The 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 Penobscot County, 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 Penobscot County
- Population, 2025 estimate
- 157,967+3.8% since 2020
- Households
- 65,221
- Median age
- 43.4
- Homes lived in by their owners
- 71%
- Vehicles per household
- 1.8
- Land area
- 3,397 sq. mi.
- People per square mile
- 46
- Median household income
- $66,356+30.6% vs. 2015–2019, before inflation
- Average household income
- $88,290
- Median home value
- $214,100
- Jobs located here
- 73,466
- Daytime population
- 158,403Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Penobscot County?
These figures cover the whole county. 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 Penobscot County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardInsurance agencies across Maine
Every Maine market ranked →The highest-scoring counties in Maine for insurance agencies, numbered among those based in Maine, with Penobscot County marked.
Top counties in Maine
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Somerset County, ME | 74 | 8 | 3.4 | $4.8M | +2.3% | #349 of 2,272 |
| 2Waldo County, ME | 74 | 8 | 4.6 | $3.7M | +2.6% | #350 of 2,272 |
| 3Sagadahoc County, ME | 72 | 6 | 3.6 | $4.7M | +3.4% | #404 of 2,272 |
| 4York County, ME | 70 | 66 | 7.2 | $2.4M | +4.8% | #461 of 2,272 |
| 5Washington County, ME | 69 | 5 | 3.5 | $4.5M | +0.8% | #484 of 2,272 |
| 6Lincoln County, ME | 66 | 12 | 7.2 | $2.3M | +3.8% | #582 of 2,272 |
| 7Oxford County, ME | 66 | 21 | 8.7 | $1.9M | +4.2% | #589 of 2,272 |
| 8Hancock County, ME | 63 | 16 | 6.3 | $2.6M | +3.0% | #681 of 2,272 |
| 9Franklin County, ME | 51 | 11 | 8.7 | $1.8M | +4.6% | #1,062 of 2,272 |
| 10Knox County, ME | 51 | 18 | 9.7 | $1.7M | +1.1% | #1,065 of 2,272 |
| 12Penobscot County, ME | 49 | 78 | 12.0 | $1.4M | +3.8% | #1,147 of 2,272 |
Other business types in Penobscot County
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 Penobscot County, ME?
There are 78 insurance agencies on map listings in Penobscot County as of September 2026. 24 of them (31%) are chain locations. The listings count insurance agencies. Official counts show 49 businesses with payroll classed as insurance agencies and brokerages in 2023, up 6.5% from 2019.
How much do households in Penobscot County, ME spend on vehicle insurance?
About $105.7M a year, or $1,621 per household. That is 17% below the U.S. average (an index of 83, where 100 is the U.S. average). Spread across the 78 insurance agencies on map listings, it comes to $1.4M per agency. It is estimated from the incomes of the 65,221 households in Penobscot County and national spending patterns by income.
How does Penobscot County, ME compare with the U.S. for insurance agencies?
Penobscot County has 12.0 insurance agencies per 10,000 households, 23% below the U.S. rate of 15.6. Spending per agency is $1.4M, 8% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Penobscot County would have about 84, against 78 on map listings. There is one business with payroll in the industry for every 1,331 households, against one for every 966 across the U.S. The official count rose 6.5% from 2019 to 2023, against −1.0% for the U.S.
How fast is Penobscot County, ME growing?
Population estimates put Penobscot County at 157,967 people in 2025, up 3.8% since 2020, faster than the U.S. (+3.1%). It has 65,221 households. The median household income in Penobscot County is $66,356 a year, 18% below the U.S. median of $80,734. That rose 30.6% 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. 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. Penobscot County scores 49 for insurance agencies (lower middle), #1,147 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Penobscot County. 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 Penobscot County
Screening a site or an acquisition in Penobscot County?
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 Penobscot County. 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.