Auto · Small-town market · Utah
Insurance agencies in the Cedar City, UT area
Competitor counts, household spending and official business counts for insurance agencies in the Cedar City, UT area, set against other small-town markets and the U.S.
Groundwork market score · out of 100
Score 54 out of 100: Upper middle
Ranked #225 of 537 scored small-town markets
#2 of 5 scored small-town markets based in Utah
- Listings
- 32
- 7 chain locations (22%)
- Official establishments
- 30
- +11.1% since 2019
- Household spending a year
- $45.4M
- On vehicle insurance · $2,253 a household
- Spending per listing
- $1.4M
- 13% above the U.S.
- Listings per 10k households
- 15.9
- 2% above the U.S.
- Population, 2025
- 67,141
- +16.4% since 2020
See the insurance agencies around any address in the Cedar City 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 Cedar City 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 Cedar City area comes to about $45.4M a year: $2,253 per household, 15% above the U.S. average. That is about $1.4M of household spending for each agency on map listings, 13% above the U.S. figure of $1.3M.
The Cedar City area has 32 insurance agencies on map listings as of September 2026. Chain locations make up 22% of them, against 21% across the U.S. That is 15.9 per 10,000 households, 2% above the U.S. rate of 15.6.
The official count of businesses with payroll classed as insurance agencies and brokerages in the Cedar City area was 30 in 2023, up 11.1% from 2019. That is one for every 672 households, against one for every 966 across the U.S.
Population estimates show the Cedar City area grew 16.4% from 2020 to 2025, faster than the U.S. (+3.1%). For insurance agencies, the Cedar City area has a Groundwork market score of 54 (upper middle): #225 of 537 scored small-town markets and #2 of 5 scored small-town markets based in Utah.
How the Cedar City area compares
The same measures for Utah 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 | Cedar City area | Utah | U.S. |
|---|---|---|---|
| Listings per 10k households | 15.9 | 17.9 | 15.6 |
| Spending per listing | $1.4M | $1.2M | $1.3M |
| Households per official establishment | 672 | 678 | 966 |
| Official establishment growth, 2019–2023 | +11.1% | +1.9% | −1.0% |
| Population growth, 2020–2025 | +16.4% | +7.8% | +3.1% |
| Spending per household on vehicle insurance | $2,253 | $2,162 | $1,957 |
| Median household income | $66,247 | $95,166 | $80,734 |
| Groundwork market score | 54 | 47 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 30+11.1% over the period
- Employees, 2023
- 151
- Annual payroll, 2023
- $10.5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 327 chain locations
- Listings at the U.S. rate for this spending
- 36The 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 Cedar City 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 Cedar City area
- Population, 2025 estimate
- 67,141+16.4% since 2020
- Households
- 20,157
- Median age
- 31.9
- Homes lived in by their owners
- 68%
- Vehicles per household
- 2.3
- Land area
- 3,296 sq. mi.
- People per square mile
- 19
- Median household income
- $66,247+27.9% vs. 2015–2019, before inflation
- Average household income
- $89,495
- Median home value
- $379,000
- Jobs located here
- 23,946
- Daytime population
- 58,964Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Cedar City 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 Cedar City 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 Utah
Every Utah market ranked →The highest-scoring small-town markets in Utah for insurance agencies, numbered among those based in Utah (a market based in another state is listed without a number), with the Cedar City area marked.
Top small-town markets in Utah
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Brigham City, UT-ID | 78 | 22 | 10.2 | $2.4M | +12.6% | #60 of 537 |
| Evanston, WY-UT | 61 | 9 | 10.4 | $2.2M | +2.0% | #170 of 537 |
| 2Cedar City, UT | 54 | 32 | 15.9 | $1.4M | +16.4% | #225 of 537 |
| 3Price, UT | 53 | 11 | 13.5 | $1.6M | +1.0% | #233 of 537 |
| 4Heber, UT | 49 | 48 | 16.8 | $1.4M | +5.3% | #271 of 537 |
| 5Vernal, UT | 42 | 24 | 19.8 | $1.1M | +7.3% | #338 of 537 |
Other business types in the Cedar City 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 Cedar City, UT area?
Map listings as of September 2026 show 32 insurance agencies in the Cedar City area. 7 of them (22%) are chain locations. The listings count insurance agencies. Official counts show 30 businesses with payroll classed as insurance agencies and brokerages in 2023, up 11.1% from 2019.
How much do households in the Cedar City, UT area spend on vehicle insurance?
About $45.4M a year, or $2,253 per household. That is 15% above the U.S. average (an index of 115, where 100 is the U.S. average). Spread across the 32 insurance agencies on map listings, it comes to $1.4M per agency. It is estimated from the incomes of the 20,157 households in the Cedar City area and national spending patterns by income.
How does the Cedar City, UT area compare with the U.S. for insurance agencies?
The Cedar City area has 15.9 insurance agencies per 10,000 households, 2% above the U.S. rate of 15.6. Spending per agency is $1.4M, 13% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, the Cedar City area would have about 36, against 32 on map listings. There is one business with payroll in the industry for every 672 households, against one for every 966 across the U.S. The official count rose 11.1% from 2019 to 2023, against −1.0% for the U.S.
How fast is the Cedar City, UT area growing?
Population estimates put the Cedar City area at 67,141 people in 2025, up 16.4% since 2020, faster than the U.S. (+3.1%). It has 20,157 households. Median household income in the Cedar City area is $66,247, 18% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 27.9%, 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 Cedar City area scores 54 for insurance agencies (upper middle), #225 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 Cedar City 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 Cedar City area
Screening a site or an acquisition in the Cedar City 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 Cedar City 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.