Auto · Small-town market · Utah
Insurance agencies in the Vernal, UT area
Competitor counts, household spending and official business counts for insurance agencies in the Vernal, UT area, set against other small-town markets and the U.S.
Groundwork market score · out of 100
Score 42 out of 100: Lower middle
Ranked #338 of 537 scored small-town markets
#5 of 5 scored small-town markets based in Utah
- Listings
- 24
- 1 chain location (4%)
- Official establishments
- 18
- Businesses with payroll, 2023
- Household spending a year
- $26.3M
- On vehicle insurance · $2,163 a household
- Spending per listing
- $1.1M
- 13% below the U.S.
- Listings per 10k households
- 19.8
- 27% above the U.S.
- Population, 2025
- 38,278
- +7.3% since 2020
See the insurance agencies around any address in the Vernal 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 Vernal 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
Map listings as of September 2026 show 24 insurance agencies in the Vernal area. One of them (4%) is a chain location, against 21% across the U.S. That comes to 19.8 for every 10,000 households, 27% above the U.S. rate of 15.6.
At $2,163 per household (11% above the U.S. average), households in the Vernal area spend about $26.3M a year on vehicle insurance. That works out to $1.1M per agency, 13% below the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in the Vernal area was 18 in 2023. That is one for every 675 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $280K has gone to businesses classed as insurance agencies and brokerages in the Vernal area.
Population estimates put the population change in the Vernal area from 2020 to 2025 at +7.3%, faster than the U.S. (+3.1%). For insurance agencies, the Vernal area has a Groundwork market score of 42 (lower middle): #338 of 537 scored small-town markets and #5 of 5 scored small-town markets based in Utah.
How the Vernal 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 | Vernal area | Utah | U.S. |
|---|---|---|---|
| Listings per 10k households | 19.8 | 17.9 | 15.6 |
| Spending per listing | $1.1M | $1.2M | $1.3M |
| Households per official establishment | 675 | 678 | 966 |
| Official establishment growth, 2019–2023 | n/a | +1.9% | −1.0% |
| Population growth, 2020–2025 | +7.3% | +7.8% | +3.1% |
| Spending per household on vehicle insurance | $2,163 | $2,162 | $1,957 |
| Median household income | $73,746 | $95,166 | $80,734 |
| Groundwork market score | 42 | 47 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 18
- Employees, 2023
- 77
- Annual payroll, 2023
- $4.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 241 chain location
- Listings at the U.S. rate for this spending
- 21The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $280K
SBA-backed loans to businesses classed as insurance agencies and brokerages in the Vernal 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 Vernal area
- Population, 2025 estimate
- 38,278+7.3% since 2020
- Households
- 12,145
- Median age
- 33.8
- Homes lived in by their owners
- 74%
- Vehicles per household
- 2.1
- Land area
- 4,483 sq. mi.
- People per square mile
- 8
- Median household income
- $73,746+13.0% vs. 2015–2019, before inflation
- Average household income
- $94,276
- Median home value
- $298,600
- Jobs located here
- 13,294
- Daytime population
- 33,300Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Vernal 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 Vernal 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 Vernal 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 Vernal 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 Vernal, UT area?
There are 24 insurance agencies on map listings in the Vernal area as of September 2026. One of them (4%) is a chain location. The listings count insurance agencies. Official counts show 18 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in the Vernal, UT area spend on vehicle insurance?
About $26.3M a year, or $2,163 per household. That is 11% above the U.S. average (an index of 111, where 100 is the U.S. average). Spread across the 24 insurance agencies on map listings, it comes to $1.1M per agency. It is estimated from the incomes of the 12,145 households in the Vernal area and national spending patterns by income.
How does the Vernal, UT area compare with the U.S. for insurance agencies?
The Vernal area has 19.8 insurance agencies per 10,000 households, 27% above the U.S. rate of 15.6. Spending per agency is $1.1M, 13% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Vernal area would have about 21, against 24 on map listings. There is one business with payroll in the industry for every 675 households, against one for every 966 across the U.S.
How fast is the Vernal, UT area growing?
Population estimates put the Vernal area at 38,278 people in 2025, up 7.3% since 2020, faster than the U.S. (+3.1%). It has 12,145 households. The median household income in the Vernal area is $73,746 a year, 9% below the U.S. median of $80,734. That rose 13.0% from the 2015–2019 survey, 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 Vernal area scores 42 for insurance agencies (lower middle), #338 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 Vernal 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 Vernal area
Screening a site or an acquisition in the Vernal 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 Vernal 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.