Auto · Metro area · Massachusetts
Insurance agencies in the Amherst Town-Northampton, MA metro area
Competitor counts, household spending and official business counts for insurance agencies in the Amherst Town-Northampton, MA metro area, set against other metro areas and the U.S.
Groundwork market score · out of 100
Score 79 out of 100: High
Ranked #38 of 387 scored metro areas
#1 of 6 scored metro areas based in Massachusetts
- Listings
- 28
- 2 chain locations (7%)
- Official establishments
- 38
- −17.4% since 2019
- Household spending a year
- $96.1M
- On vehicle insurance · $1,548 a household
- Spending per listing
- $3.4M
- 2.7 times the U.S.
- Listings per 10k households
- 4.5
- 71% below the U.S.
- Population, 2025
- 164,065
- +10.4% since 2020
See the insurance agencies around any address in the Amherst Town-Northampton 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 Amherst Town-Northampton 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
The Amherst Town-Northampton metro area scores 79 (high) on the Groundwork market score for insurance agencies, ranking #38 of 387 scored metro areas and #1 of 6 scored metro areas based in Massachusetts. That puts it in the top 10% of metro areas for insurance agencies.
Map listings as of September 2026 show 28 insurance agencies in the Amherst Town-Northampton metro area. Chain locations make up 7% of them, against 21% across the U.S. That comes to 4.5 for every 10,000 households, 71% below the U.S. rate of 15.6.
Household spending on vehicle insurance in the Amherst Town-Northampton metro area comes to about $96.1M a year: $1,548 per household, 21% below the U.S. average. That works out to $3.4M per agency, 2.7 times the U.S. figure of $1.3M.
In 2023, official counts showed 38 businesses with payroll in the Amherst Town-Northampton metro area classed as insurance agencies and brokerages, down 17.4% from 2019. That is one for every 1,635 households, against one for every 966 across the U.S. Population estimates show the Amherst Town-Northampton metro area grew 10.4% from 2020 to 2025, faster than the U.S. (+3.1%).
How the Amherst Town-Northampton metro area compares
The same measures for Massachusetts 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 | Amherst Town-Northampton metro area | Massachusetts | U.S. |
|---|---|---|---|
| Listings per 10k households | 4.5 | 10.0 | 15.6 |
| Spending per listing | $3.4M | $1.4M | $1.3M |
| Households per official establishment | 1,635 | 1,349 | 966 |
| Official establishment growth, 2019–2023 | −17.4% | −7.7% | −1.0% |
| Population growth, 2020–2025 | +10.4% | +2.4% | +3.1% |
| Spending per household on vehicle insurance | $1,548 | $1,445 | $1,957 |
| Median household income | $87,001 | $103,960 | $80,734 |
| Groundwork market score | 79 | 55 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 38−17.4% over the period
- Employees, 2023
- 296
- Annual payroll, 2023
- $20.1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 282 chain locations
- Listings at the U.S. rate for this spending
- 77The 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 Amherst Town-Northampton 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 Amherst Town-Northampton metro area
- Population, 2025 estimate
- 164,065+10.4% since 2020
- Households
- 62,114
- Median age
- 40.8
- Homes lived in by their owners
- 68%
- Vehicles per household
- 1.7
- Land area
- 527 sq. mi.
- People per square mile
- 307
- Median household income
- $87,001
- Average household income
- $117,338
- Median home value
- $390,300
- Jobs located here
- 70,980
- Daytime population
- 165,358Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Amherst Town-Northampton 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 Amherst Town-Northampton 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 Massachusetts
Every Massachusetts market ranked →The highest-scoring metro areas in Massachusetts for insurance agencies, numbered among those based in Massachusetts (a market based in another state is listed without a number), with the Amherst Town-Northampton metro area marked.
Top metro areas in Massachusetts
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Amherst Town-Northampton, MA | 79 | 28 | 4.5 | $3.4M | +10.4% | #38 of 387 |
| 2Worcester, MA | 67 | 286 | 8.5 | $1.9M | +3.7% | #97 of 387 |
| 3Barnstable Town, MA | 63 | 94 | 8.9 | $1.8M | +2.4% | #114 of 387 |
| Providence-Warwick, RI-MA | 59 | 615 | 9.1 | $1.7M | +2.1% | #130 of 387 |
| 4Pittsfield, MA | 58 | 41 | 7.1 | $2M | −1.2% | #135 of 387 |
| 5Springfield, MA | 49 | 186 | 10.1 | $1.4M | +0.2% | #189 of 387 |
| 6Boston-Cambridge-Newton, MA-NH | 45 | 2,129 | 11.0 | $1.3M | +2.3% | #217 of 387 |
Other business types in the Amherst Town-Northampton 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 Amherst Town-Northampton, MA metro area?
There are 28 insurance agencies on map listings in the Amherst Town-Northampton metro area as of September 2026. 2 of them (7%) are chain locations. The listings count insurance agencies. Official counts show 38 businesses with payroll classed as insurance agencies and brokerages in 2023, down 17.4% from 2019.
How much do households in the Amherst Town-Northampton, MA metro area spend on vehicle insurance?
About $96.1M a year, or $1,548 per household. That is 21% below the U.S. average (an index of 79, where 100 is the U.S. average). Spread across the 28 insurance agencies on map listings, it comes to $3.4M per agency. It is estimated from the incomes of the 62,114 households in the Amherst Town-Northampton metro area and national spending patterns by income.
How does the Amherst Town-Northampton, MA metro area compare with the U.S. for insurance agencies?
The Amherst Town-Northampton metro area has 4.5 insurance agencies per 10,000 households, 71% below the U.S. rate of 15.6. Spending per agency is $3.4M, 2.7 times the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Amherst Town-Northampton metro area would have about 77, against 28 on map listings. There is one business with payroll in the industry for every 1,635 households, against one for every 966 across the U.S. The official count fell 17.4% from 2019 to 2023, against −1.0% for the U.S.
How fast is the Amherst Town-Northampton, MA metro area growing?
Population estimates put the Amherst Town-Northampton metro area at 164,065 people in 2025, up 10.4% since 2020, faster than the U.S. (+3.1%). It has 62,114 households. The median household income in the Amherst Town-Northampton metro area is $87,001 a year, 8% 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. 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 Amherst Town-Northampton metro area scores 79 for insurance agencies (high), #38 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 Amherst Town-Northampton 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 Amherst Town-Northampton metro area
Screening a site or an acquisition in the Amherst Town-Northampton 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 Amherst Town-Northampton 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.