Auto · County · Montana
Insurance agencies in Carbon County, MT
How Carbon County, MT compares with other counties and the U.S. for insurance agencies: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 74 out of 100: Upper middle
Ranked #358 of 2,272 scored counties
#2 of 19 scored counties in Montana
- Listings
- 5
- 2 chain locations (40%)
- Official establishments
- 4
- Businesses with payroll, 2023
- Household spending a year
- $11.1M
- On vehicle insurance · $2,378 a household
- Spending per listing
- $2.2M
- 77% above the U.S.
- Listings per 10k households
- 10.7
- 31% below the U.S.
- Population, 2025
- 11,466
- +9.1% since 2020
See the insurance agencies around any address in Carbon 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 Carbon 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
At $2,378 per household (22% above the U.S. average), households in Carbon County spend about $11.1M a year on vehicle insurance. That works out to $2.2M per agency, 77% above the U.S. figure of $1.3M.
Carbon County has 5 insurance agencies on map listings as of September 2026. Chain locations make up 40% of them, against 21% across the U.S. That is 10.7 per 10,000 households, 31% below the U.S. rate of 15.6.
Official counts show 4 businesses with payroll classed as insurance agencies and brokerages in Carbon County in 2023. That is one for every 1,166 households, against one for every 966 across the U.S.
Between 2020 and 2025, the population of Carbon County grew 9.1%, faster than the U.S. (+3.1%). The Groundwork market score for insurance agencies in Carbon County is 74 (upper middle), #358 of 2,272 scored counties and #2 of 19 scored counties in Montana. That puts it in the top quarter of counties.
How Carbon County compares
The same measures for Montana 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 | Carbon County | Montana | U.S. |
|---|---|---|---|
| Listings per 10k households | 10.7 | 16.5 | 15.6 |
| Spending per listing | $2.2M | $1.3M | $1.3M |
| Households per official establishment | 1,166 | 711 | 966 |
| Official establishment growth, 2019–2023 | n/a | −9.5% | −1.0% |
| Population growth, 2020–2025 | +9.1% | +5.3% | +3.1% |
| Spending per household on vehicle insurance | $2,378 | $2,106 | $1,957 |
| Median household income | $80,261 | $72,509 | $80,734 |
| Groundwork market score | 74 | 49 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 6 → 4
- Employees, 2023
- 13
- Annual payroll, 2023
- $521K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 52 chain locations
- Listings at the U.S. rate for this spending
- 9The 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 Carbon 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 Carbon County
- Population, 2025 estimate
- 11,466+9.1% since 2020
- Households
- 4,664
- Median age
- 51.1
- Homes lived in by their owners
- 78%
- Vehicles per household
- 2.4
- Land area
- 2,048 sq. mi.
- People per square mile
- 5
- Median household income
- $80,261+36.7% vs. 2015–2019, before inflation
- Average household income
- $104,457
- Median home value
- $420,800
- Jobs located here
- 3,093
- Daytime population
- 9,712Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Carbon 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 Carbon 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 Montana
Every Montana market ranked →The highest-scoring counties in Montana for insurance agencies, numbered among those based in Montana, with Carbon County marked.
Top counties in Montana
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Lake County, MT | 83 | 10 | 8.0 | $2.8M | +6.9% | #161 of 2,272 |
| 2Carbon County, MT | 74 | 5 | 10.7 | $2.2M | +9.1% | #358 of 2,272 |
| 3Sanders County, MT | 67 | 8 | 14.7 | $1.5M | +12.9% | #573 of 2,272 |
| 4Ravalli County, MT | 65 | 20 | 10.7 | $2.1M | +9.4% | #616 of 2,272 |
| 5Park County, MT | 59 | 12 | 14.3 | $1.5M | +5.7% | #819 of 2,272 |
| 6Lincoln County, MT | 51 | 14 | 15.4 | $1.3M | +13.1% | #1,095 of 2,272 |
| 7Flathead County, MT | 48 | 69 | 15.6 | $1.3M | +10.1% | #1,192 of 2,272 |
| 8Fergus County, MT | 47 | 7 | 13.2 | $1.7M | +3.1% | #1,212 of 2,272 |
| 9Gallatin County, MT | 44 | 83 | 16.2 | $1.3M | +7.7% | #1,324 of 2,272 |
| 10Silver Bow County, MT | 43 | 22 | 14.3 | $1.3M | +2.6% | #1,360 of 2,272 |
Other business types in Carbon 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 Carbon County, MT?
Map listings as of September 2026 show 5 insurance agencies in Carbon County. 2 of them (40%) are chain locations. The listings count insurance agencies. Official counts show 4 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Carbon County, MT spend on vehicle insurance?
About $11.1M a year, or $2,378 per household. That is 22% above the U.S. average (an index of 122, where 100 is the U.S. average). Spread across the 5 insurance agencies on map listings, it comes to $2.2M per agency. It is estimated from the incomes of the 4,664 households in Carbon County and national spending patterns by income.
How does Carbon County, MT compare with the U.S. for insurance agencies?
Carbon County has 10.7 insurance agencies per 10,000 households, 31% below the U.S. rate of 15.6. Spending per agency is $2.2M, 77% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Carbon County would have about 9, against 5 on map listings. There is one business with payroll in the industry for every 1,166 households, against one for every 966 across the U.S.
How fast is Carbon County, MT growing?
Population estimates put Carbon County at 11,466 people in 2025, up 9.1% since 2020, faster than the U.S. (+3.1%). It has 4,664 households. Median household income in Carbon County is $80,261, in line with the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 36.7%, 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. Carbon County scores 74 for insurance agencies (upper middle), #358 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Carbon 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 Carbon County
Screening a site or an acquisition in Carbon 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 Carbon 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.