Auto · Small-town market · Nevada
Insurance agencies in the Elko, NV area
How the Elko, NV area compares with other small-town markets and the U.S. for insurance agencies: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 78 out of 100: High
Ranked #59 of 537 scored small-town markets
#2 of 5 scored small-town markets based in Nevada
- Listings
- 17
- 2 chain locations (12%)
- Official establishments
- 14
- Businesses with payroll, 2023
- Household spending a year
- $43M
- On vehicle insurance · $2,122 a household
- Spending per listing
- $2.5M
- Twice the U.S.
- Listings per 10k households
- 8.4
- 46% below the U.S.
- Population, 2025
- 56,682
- +2.1% since 2020
See the insurance agencies around any address in the Elko 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 Elko 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
Household spending on vehicle insurance in the Elko area comes to about $43M a year: $2,122 per household, 8% above the U.S. average. That is about $2.5M of household spending for each agency on map listings, twice the U.S. figure of $1.3M.
There are 17 insurance agencies on map listings in the Elko area as of September 2026. 2 of them (12%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 8.4, 46% below the U.S. rate of 15.6.
Official counts show 14 businesses with payroll classed as insurance agencies and brokerages in the Elko area in 2023. That is one for every 1,446 households, against one for every 966 across the U.S.
Population estimates show the Elko area grew 2.1% from 2020 to 2025, slower than the U.S. (+3.1%). The Groundwork market score for insurance agencies in the Elko area is 78 (high), #59 of 537 scored small-town markets and #2 of 5 scored small-town markets based in Nevada. That puts it in the top quarter of small-town markets.
How the Elko area compares
The same measures for Nevada 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 | Elko area | Nevada | U.S. |
|---|---|---|---|
| Listings per 10k households | 8.4 | 17.5 | 15.6 |
| Spending per listing | $2.5M | $1M | $1.3M |
| Households per official establishment | 1,446 | 964 | 966 |
| Official establishment growth, 2019–2023 | n/a | +6.2% | −1.0% |
| Population growth, 2020–2025 | +2.1% | +5.3% | +3.1% |
| Spending per household on vehicle insurance | $2,122 | $1,817 | $1,957 |
| Median household income | $85,882 | $78,260 | $80,734 |
| Groundwork market score | 78 | 42 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 14
- Employees, 2023
- 48
- Annual payroll, 2023
- $2.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 172 chain locations
- Listings at the U.S. rate for this spending
- 34The 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 Elko 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 Elko area
- Population, 2025 estimate
- 56,682+2.1% since 2020
- Households
- 20,249
- Median age
- 36.6
- Homes lived in by their owners
- 72%
- Vehicles per household
- 2.1
- Land area
- 21,349 sq. mi.
- People per square mile
- 3
- Median household income
- $85,882+6.4% vs. 2015–2019, before inflation
- Average household income
- $100,957
- Median home value
- $297,500
- Jobs located here
- 26,741
- Daytime population
- 56,947Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Elko area?
These figures cover the whole small-town market. 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 Elko 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 Nevada
Every Nevada market ranked →The highest-scoring small-town markets in Nevada for insurance agencies, numbered among those based in Nevada, with the Elko area marked.
Top small-town markets in Nevada
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Pahrump, NV | 87 | 15 | 6.8 | $3.1M | +10.3% | #23 of 537 |
| 2Elko, NV | 78 | 17 | 8.4 | $2.5M | +2.1% | #59 of 537 |
| 3Fallon, NV | 74 | 9 | 9.5 | $2.3M | +1.1% | #73 of 537 |
| 4Winnemucca, NV | 70 | 8 | 11.6 | $1.9M | 0.0% | #101 of 537 |
| 5Gardnerville Ranchos, NV-CA | 60 | 16 | 7.4 | $3M | +0.9% | #186 of 537 |
Other business types in the Elko 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 Elko, NV area?
As of September 2026, map listings count 17 insurance agencies in the Elko area. 2 of them (12%) are chain locations. The listings count insurance agencies. Official counts show 14 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in the Elko, NV area spend on vehicle insurance?
About $43M a year, or $2,122 per household. That is 8% above the U.S. average (an index of 108, where 100 is the U.S. average). Spread across the 17 insurance agencies on map listings, it comes to $2.5M per agency. It is estimated from the incomes of the 20,249 households in the Elko area and national spending patterns by income.
How does the Elko, NV area compare with the U.S. for insurance agencies?
The Elko area has 8.4 insurance agencies per 10,000 households, 46% below the U.S. rate of 15.6. Spending per agency is $2.5M, twice the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, the Elko area would have about 34, against 17 on map listings. There is one business with payroll in the industry for every 1,446 households, against one for every 966 across the U.S.
How fast is the Elko, NV area growing?
Population estimates put the Elko area at 56,682 people in 2025, up 2.1% since 2020, slower than the U.S. (+3.1%). It has 20,249 households. Median household income in the Elko area is $85,882, 6% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 6.4%, 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. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. 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 Elko area scores 78 for insurance agencies (high), #59 of 537 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Elko 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 Elko area
Screening a site or an acquisition in the Elko 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 Elko 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.