Auto · Metro area · Minnesota
Insurance agencies in the Duluth, MN-WI metro area
Competitor counts, household spending and official business counts for insurance agencies in the Duluth, MN-WI metro area, set against other metro areas and the U.S.
Groundwork market score · out of 100
Score 32 out of 100: Lower middle
Ranked #299 of 387 scored metro areas
#1 of 5 scored metro areas based in Minnesota
- Listings
- 182
- 36 chain locations (20%)
- Official establishments
- 115
- −5.7% since 2019
- Household spending a year
- $200.2M
- On vehicle insurance · $1,663 a household
- Spending per listing
- $1.1M
- 12% below the U.S.
- Listings per 10k households
- 15.1
- 3% below the U.S.
- Population, 2025
- 281,219
- +0.2% since 2020
See the insurance agencies around any address in the Duluth 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 Duluth 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 Groundwork market score for insurance agencies in the Duluth metro area is 32 (lower middle), #299 of 387 scored metro areas and #1 of 5 scored metro areas based in Minnesota. That puts it in the bottom quarter of metro areas.
As of September 2026, map listings count 182 insurance agencies in the Duluth metro area. Chain locations make up 20% of them, against 21% across the U.S. That is 15.1 per 10,000 households, 3% below the U.S. rate of 15.6.
At $1,663 per household (15% below the U.S. average), households in the Duluth metro area spend about $200.2M a year on vehicle insurance. Spread across 182 insurance agencies, that is $1.1M per agency, 12% below the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in the Duluth metro area was 115 in 2023, down 5.7% from 2019. That is one for every 1,047 households, against one for every 966 across the U.S. Between 2020 and 2025, the population of the Duluth metro area grew 0.2%, slower than the U.S. (+3.1%).
How the Duluth metro area compares
The same measures for Minnesota 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 | Duluth metro area | Minnesota | U.S. |
|---|---|---|---|
| Listings per 10k households | 15.1 | 17.3 | 15.6 |
| Spending per listing | $1.1M | $951K | $1.3M |
| Households per official establishment | 1,047 | 737 | 966 |
| Official establishment growth, 2019–2023 | −5.7% | −2.3% | −1.0% |
| Population growth, 2020–2025 | +0.2% | +2.1% | +3.1% |
| Spending per household on vehicle insurance | $1,663 | $1,649 | $1,957 |
| Median household income | $71,769 | $89,062 | $80,734 |
| Groundwork market score | 32 | 22 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 115−5.7% over the period
- Employees, 2023
- 468
- Annual payroll, 2023
- $32.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 18236 chain locations
- Listings at the U.S. rate for this spending
- 159The 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 Duluth 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 Duluth metro area
- Population, 2025 estimate
- 281,219+0.2% since 2020
- Households
- 120,365
- Median age
- 42.5
- Homes lived in by their owners
- 72%
- Vehicles per household
- 1.9
- Land area
- 8,414 sq. mi.
- People per square mile
- 33
- Median household income
- $71,769
- Average household income
- $93,302
- Median home value
- $222,400
- Jobs located here
- 128,505
- Daytime population
- 284,674Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Duluth 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 Duluth 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 Minnesota
Every Minnesota market ranked →The highest-scoring metro areas in Minnesota for insurance agencies, numbered among those based in Minnesota (a market based in another state is listed without a number), with the Duluth metro area marked.
Top metro areas in Minnesota
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Duluth, MN-WI | 32 | 182 | 15.1 | $1.1M | +0.2% | #299 of 387 |
| 2Rochester, MN | 29 | 152 | 16.4 | $1M | +2.0% | #315 of 387 |
| Sioux Falls, SD-MN | 29 | 219 | 17.9 | $975K | +9.5% | #316 of 387 |
| Fargo, ND-MN | 23 | 210 | 19.0 | $829K | +7.7% | #349 of 387 |
| La Crosse-Onalaska, WI-MN | 21 | 116 | 16.1 | $1M | +0.4% | #359 of 387 |
| 3Minneapolis-St. Paul-Bloomington, MN-WI | 21 | 2,498 | 16.9 | $940K | +2.6% | #361 of 387 |
| 4St. Cloud, MN | 20 | 166 | 21.2 | $813K | +3.0% | #364 of 387 |
| Grand Forks, ND-MN | 19 | 71 | 16.3 | $994K | +0.8% | #366 of 387 |
| 5Mankato, MN | 16 | 85 | 20.9 | $817K | +1.2% | #377 of 387 |
Other business types in the Duluth 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 Duluth, MN-WI metro area?
The Duluth metro area has 182 insurance agencies on map listings as of September 2026. 36 of them (20%) are chain locations. The listings count insurance agencies. Official counts show 115 businesses with payroll classed as insurance agencies and brokerages in 2023, down 5.7% from 2019.
How much do households in the Duluth, MN-WI metro area spend on vehicle insurance?
About $200.2M a year, or $1,663 per household. That is 15% below the U.S. average (an index of 85, where 100 is the U.S. average). Spread across the 182 insurance agencies on map listings, it comes to $1.1M per agency. It is estimated from the incomes of the 120,365 households in the Duluth metro area and national spending patterns by income.
How does the Duluth, MN-WI metro area compare with the U.S. for insurance agencies?
The Duluth metro area has 15.1 insurance agencies per 10,000 households, 3% below the U.S. rate of 15.6. Spending per agency is $1.1M, 12% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Duluth metro area would have about 159, against 182 on map listings. There is one business with payroll in the industry for every 1,047 households, against one for every 966 across the U.S. The official count fell 5.7% from 2019 to 2023, against −1.0% for the U.S.
How fast is the Duluth, MN-WI metro area growing?
Population estimates put the Duluth metro area at 281,219 people in 2025, up 0.2% since 2020, slower than the U.S. (+3.1%). It has 120,365 households. The median household income in the Duluth metro area is $71,769 a year, 11% below 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 Duluth metro area scores 32 for insurance agencies (lower middle), #299 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 Duluth 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 Duluth metro area
Screening a site or an acquisition in the Duluth 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 Duluth 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.