Auto · Metro area · Minnesota
Insurance agencies in the St. Cloud, MN metro area
The insurance agencies in the St. Cloud, MN metro area, the household spending behind them and how the market ranks against other metro areas.
Groundwork market score · out of 100
Score 20 out of 100: Low
Ranked #364 of 387 scored metro areas
#4 of 5 scored metro areas based in Minnesota
- Listings
- 166
- 28 chain locations (17%)
- Official establishments
- 126
- 0.0% since 2019
- Household spending a year
- $134.9M
- On vehicle insurance · $1,727 a household
- Spending per listing
- $813K
- 35% below the U.S.
- Listings per 10k households
- 21.2
- 36% above the U.S.
- Population, 2025
- 205,854
- +3.0% since 2020
See the insurance agencies around any address in the St. Cloud 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 St. Cloud 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 St. Cloud metro area scores 20 (low) on the Groundwork market score for insurance agencies, ranking #364 of 387 scored metro areas and #4 of 5 scored metro areas based in Minnesota. That puts it in the bottom quarter of metro areas.
Households in the St. Cloud metro area spend about $134.9M a year on vehicle insurance, or $1,727 per household, 12% below the U.S. average. That is about $813K of household spending for each agency on map listings, 35% below the U.S. figure of $1.3M.
There are 166 insurance agencies on map listings in the St. Cloud metro area as of September 2026. 28 of them (17%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 21.2, 36% above the U.S. rate of 15.6.
Official counts show 126 businesses with payroll classed as insurance agencies and brokerages in the St. Cloud metro area in 2023, unchanged from 2019. That is one for every 620 households, against one for every 966 across the U.S. Since fiscal 2022, 3 SBA-backed loans worth $1.1M have gone to businesses classed as insurance agencies and brokerages in the St. Cloud metro area. Population estimates put the population change in the St. Cloud metro area from 2020 to 2025 at +3.0%, in step with the U.S. (+3.1%).
How the St. Cloud 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 | St. Cloud metro area | Minnesota | U.S. |
|---|---|---|---|
| Listings per 10k households | 21.2 | 17.3 | 15.6 |
| Spending per listing | $813K | $951K | $1.3M |
| Households per official establishment | 620 | 737 | 966 |
| Official establishment growth, 2019–2023 | 0.0% | −2.3% | −1.0% |
| Population growth, 2020–2025 | +3.0% | +2.1% | +3.1% |
| Spending per household on vehicle insurance | $1,727 | $1,649 | $1,957 |
| Median household income | $76,497 | $89,062 | $80,734 |
| Groundwork market score | 20 | 22 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 1260.0% over the period
- Employees, 2023
- 571
- Annual payroll, 2023
- $44.3M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 16628 chain locations
- Listings at the U.S. rate for this spending
- 108The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 3
- Amount
- $1.1M
SBA-backed loans to businesses classed as insurance agencies and brokerages in the St. Cloud 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 St. Cloud metro area
- Population, 2025 estimate
- 205,854+3.0% since 2020
- Households
- 78,122
- Median age
- 37.2
- Homes lived in by their owners
- 68%
- Vehicles per household
- 2.0
- Land area
- 1,751 sq. mi.
- People per square mile
- 116
- Median household income
- $76,497+23.4% vs. 2015–2019, before inflation
- Average household income
- $97,113
- Median home value
- $272,800
- Jobs located here
- 101,570
- Daytime population
- 207,575Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the St. Cloud 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 St. Cloud 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 St. Cloud 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 St. Cloud 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 St. Cloud, MN metro area?
As of September 2026, map listings count 166 insurance agencies in the St. Cloud metro area. 28 of them (17%) are chain locations. The listings count insurance agencies. Official counts show 126 businesses with payroll classed as insurance agencies and brokerages in 2023, unchanged from 2019.
How much do households in the St. Cloud, MN metro area spend on vehicle insurance?
About $134.9M a year, or $1,727 per household. That is 12% below the U.S. average (an index of 88, where 100 is the U.S. average). Spread across the 166 insurance agencies on map listings, it comes to $813K per agency. It is estimated from the incomes of the 78,122 households in the St. Cloud metro area and national spending patterns by income.
How does the St. Cloud, MN metro area compare with the U.S. for insurance agencies?
The St. Cloud metro area has 21.2 insurance agencies per 10,000 households, 36% above the U.S. rate of 15.6. Spending per agency is $813K, 35% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, the St. Cloud metro area would have about 108, against 166 on map listings. There is one business with payroll in the industry for every 620 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 St. Cloud, MN metro area growing?
Population estimates put the St. Cloud metro area at 205,854 people in 2025, up 3.0% since 2020, in step with the U.S. (+3.1%). It has 78,122 households. Median household income in the St. Cloud metro area is $76,497, 5% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 23.4%, 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 St. Cloud metro area scores 20 for insurance agencies (low), #364 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 St. Cloud 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 St. Cloud metro area
Screening a site or an acquisition in the St. Cloud 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 St. Cloud 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.