Market rankings · Virginia
Insurance agencies in Virginia
Every metro area, small-town market and county in Virginia, ranked by the Groundwork market score for insurance agencies, with competitor counts and household spending for each.
- Listings
- 4,196
- 980 chain locations (23%)
- Official establishments
- 2,728
- −7.4% since 2019
- Household spending a year
- $8.6B
- On vehicle insurance
- Listings per 10k households
- 12.5
- 20% below the U.S.
- Spending per listing
- $2M
- 63% above the U.S.
- Rank among states
- #3 of 51
- Market score 83 · High
A site report maps the insurance agencies on map listings around any address in Virginia by name and distance, and the spending within reach.
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
There are 4,196 insurance agencies on map listings in Virginia as of September 2026. 980 of them (23%) are chain locations, against 21% across the U.S. That comes to 12.5 for every 10,000 households, 20% below the U.S. rate of 15.6.
Households in Virginia spend about $8.6B a year on vehicle insurance, or $2,545 per household, 30% above the U.S. average. That works out to $2M per agency, 63% above the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Virginia was 2,728 in 2023, down 7.4% from 2019. That is one for every 1,234 households, against one for every 966 across the U.S. Across the U.S., the count fell 1.0% over the same years. Since fiscal 2022, 30 SBA-backed loans worth $12.8M have gone to businesses classed as insurance agencies and brokerages in Virginia.
Among the 50 states and DC, Virginia ranks #3 for insurance agencies, with a Groundwork market score of 83 (high). Of the 11 scored metro areas in or partly in Virginia, the Staunton-Stuarts Draft metro area scores highest (89). Of the 4 scored small-town markets in or partly in Virginia, the Lake of the Woods area scores highest (98).
Every market in Virginia for insurance agencies
Download the ranking (CSV)Numbered by Groundwork market score among the markets based in Virginia, highest first; the U.S. rank compares each market with every other of its kind. A metro area that crosses a state line is listed in each state it reaches, and numbered only in the state its page is under. How the score works.
Metro areas
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Staunton-Stuarts Draft, VA | 89 | 52 | 10.0 | $2.7M | +3.2% | #7 of 387 |
| 2Winchester, VA-WV | 87 | 64 | 11.5 | $2.4M | +6.5% | #16 of 387 |
| 3Harrisonburg, VA | 85 | 56 | 11.2 | $2.6M | +3.5% | #20 of 387 |
| 4Charlottesville, VA | 83 | 98 | 10.8 | $2.4M | +3.1% | #22 of 387 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 80 | 2,518 | 10.6 | $2.1M | +3.3% | #35 of 387 |
| Kingsport-Bristol, TN-VA | 78 | 170 | 13.0 | $2M | +2.3% | #43 of 387 |
| 5Blacksburg-Christiansburg-Radford, VA | 77 | 90 | 12.8 | $2M | −0.1% | #49 of 387 |
| 6Virginia Beach-Chesapeake-Norfolk, VA-NC | 75 | 807 | 11.4 | $2.2M | +0.9% | #58 of 387 |
| 7Lynchburg, VA | 70 | 168 | 16.2 | $1.7M | +2.9% | #77 of 387 |
| 8Richmond, VA | 68 | 849 | 15.9 | $1.6M | +5.5% | #91 of 387 |
| 9Roanoke, VA | 51 | 223 | 17.0 | $1.5M | +0.4% | #179 of 387 |
Small-town markets
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Lake of the Woods, VA | 98 | 11 | 7.4 | $4M | +10.1% | #1 of 537 |
| 2Danville, VA | 63 | 59 | 13.4 | $1.9M | −1.7% | #154 of 537 |
| 3Martinsville, VA | 61 | 39 | 14.6 | $1.7M | −1.9% | #178 of 537 |
| Bluefield, WV-VA | 53 | 57 | 14.1 | $1.7M | −3.8% | #231 of 537 |
Counties
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Louisa County, VA | 98 | 10 | 6.4 | $5M | +13.6% | #1 of 2,272 |
| 2Stafford County, VA | 97 | 26 | 5.0 | $6.1M | +8.3% | #3 of 2,272 |
| 3King William County, VA | 97 | 6 | 8.2 | $3.9M | +9.5% | #5 of 2,272 |
| 4King George County, VA | 96 | 9 | 8.9 | $3.4M | +10.5% | #10 of 2,272 |
| 5Rockingham County, VA | 95 | 16 | 4.9 | $6.2M | +6.6% | #13 of 2,272 |
| 6Frederick County, VA | 95 | 22 | 6.2 | $4.7M | +8.8% | #15 of 2,272 |
| 7Orange County, VA | 95 | 11 | 7.4 | $4M | +10.1% | #17 of 2,272 |
| 8Spotsylvania County, VA | 95 | 44 | 8.4 | $3.6M | +10.5% | #19 of 2,272 |
| 9Dinwiddie County, VA | 94 | 6 | 5.6 | $5.8M | +3.6% | #22 of 2,272 |
| 10Caroline County, VA | 94 | 7 | 5.8 | $5.3M | +11.3% | #23 of 2,272 |
| 11Goochland County, VA | 91 | 7 | 6.8 | $4.5M | +17.4% | #40 of 2,272 |
| 12Powhatan County, VA | 91 | 13 | 11.5 | $3.1M | +7.0% | #47 of 2,272 |
| 13Suffolk city, VA | 91 | 35 | 9.2 | $2.9M | +10.4% | #50 of 2,272 |
| 14Culpeper County, VA | 90 | 24 | 12.7 | $2.3M | +9.3% | #63 of 2,272 |
| 15Fluvanna County, VA | 89 | 7 | 6.8 | $4.9M | +6.2% | #65 of 2,272 |
| 16Isle of Wight County, VA | 89 | 14 | 8.9 | $3.3M | +6.7% | #68 of 2,272 |
| 17Westmoreland County, VA | 89 | 8 | 9.8 | $2.7M | +6.5% | #72 of 2,272 |
| 18Augusta County, VA | 88 | 21 | 6.8 | $4.4M | +1.8% | #79 of 2,272 |
| 19Appomattox County, VA | 88 | 9 | 13.6 | $2.2M | +6.3% | #91 of 2,272 |
| 20Prince William County, VA | 87 | 159 | 10.1 | $2.7M | +4.2% | #105 of 2,272 |
| 21Amherst County, VA | 86 | 12 | 9.5 | $3.1M | +2.1% | #112 of 2,272 |
| 22Shenandoah County, VA | 85 | 18 | 10.0 | $2.9M | +3.6% | #127 of 2,272 |
| 23Fauquier County, VA | 84 | 36 | 13.5 | $2.3M | +4.8% | #150 of 2,272 |
| 24Greene County, VA | 84 | 13 | 16.2 | $1.9M | +6.6% | #152 of 2,272 |
| 25Accomack County, VA | 83 | 10 | 6.9 | $3.7M | +1.4% | #153 of 2,272 |
Show all 133 counties
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 26Carroll County, VA | 83 | 10 | 8.0 | $3.5M | +0.5% | #156 of 2,272 |
| 27Warren County, VA | 82 | 17 | 11.1 | $2.6M | +4.8% | #182 of 2,272 |
| 28Floyd County, VA | 81 | 6 | 9.1 | $3.3M | +2.1% | #195 of 2,272 |
| 29Loudoun County, VA | 81 | 179 | 12.5 | $2.1M | +6.4% | #214 of 2,272 |
| 30Amelia County, VA | 80 | 5 | 9.2 | $3.7M | +2.7% | #217 of 2,272 |
| 31Buckingham County, VA | 79 | 9 | 14.3 | $2.2M | +1.9% | #247 of 2,272 |
| 32Scott County, VA | 78 | 6 | 6.6 | $4M | −1.8% | #257 of 2,272 |
| 33Giles County, VA | 78 | 6 | 9.0 | $3.1M | −1.3% | #260 of 2,272 |
| 34York County, VA | 78 | 26 | 9.6 | $2.9M | +1.6% | #263 of 2,272 |
| 35Gloucester County, VA | 78 | 18 | 11.8 | $2.7M | +3.6% | #264 of 2,272 |
| 36Bedford County, VA | 77 | 37 | 11.2 | $2.7M | +4.4% | #288 of 2,272 |
| 37Radford city, VA | 77 | 7 | 12.6 | $2M | +7.0% | #296 of 2,272 |
| 38Henry County, VA | 76 | 14 | 6.7 | $4M | −3.1% | #302 of 2,272 |
| 39Page County, VA | 76 | 12 | 12.1 | $2.3M | +0.3% | #318 of 2,272 |
| 40James City County, VA | 76 | 37 | 11.6 | $2.3M | +6.2% | #319 of 2,272 |
| 41Hampton city, VA | 75 | 47 | 8.1 | $2.8M | 0.0% | #330 of 2,272 |
| 42Franklin County, VA | 75 | 31 | 13.5 | $2.2M | +1.9% | #336 of 2,272 |
| 43Waynesboro city, VA | 75 | 13 | 13.2 | $1.7M | +7.5% | #346 of 2,272 |
| 44Arlington County, VA | 73 | 54 | 4.8 | $3.5M | +2.1% | #371 of 2,272 |
| 45Pittsylvania County, VA | 73 | 24 | 9.6 | $3M | −1.5% | #375 of 2,272 |
| 46Mecklenburg County, VA | 73 | 16 | 11.8 | $2.3M | +1.5% | #383 of 2,272 |
| 47Pulaski County, VA | 73 | 18 | 12.5 | $2.1M | −0.6% | #386 of 2,272 |
| 48Portsmouth city, VA | 72 | 25 | 6.2 | $3.4M | −1.2% | #406 of 2,272 |
| 49Lee County, VA | 72 | 9 | 10.6 | $2.4M | −2.1% | #412 of 2,272 |
| 50Chesapeake city, VA | 72 | 121 | 12.9 | $2M | +2.3% | #415 of 2,272 |
| 51Patrick County, VA | 71 | 11 | 14.1 | $2M | −0.9% | #436 of 2,272 |
| 52Richmond city, VA | 71 | 98 | 9.4 | $2M | +4.6% | #437 of 2,272 |
| 53Hopewell city, VA | 70 | 5 | 5.4 | $4.3M | +1.1% | #450 of 2,272 |
| 54Wise County, VA | 70 | 11 | 7.9 | $3.2M | −3.5% | #451 of 2,272 |
| 55Botetourt County, VA | 70 | 17 | 12.9 | $2.3M | +1.5% | #464 of 2,272 |
| 56Albemarle County, VA | 70 | 56 | 12.2 | $2M | +5.1% | #470 of 2,272 |
| 57Petersburg city, VA | 68 | 11 | 7.3 | $2.5M | +1.0% | #517 of 2,272 |
| 58Campbell County, VA | 67 | 33 | 14.8 | $2M | +0.1% | #559 of 2,272 |
| 59Hanover County, VA | 66 | 75 | 17.6 | $1.7M | +5.6% | #596 of 2,272 |
| 60Fairfax County, VA | 65 | 503 | 12.1 | $2M | +1.7% | #618 of 2,272 |
| 61Wythe County, VA | 64 | 9 | 7.2 | $3.6M | −1.2% | #636 of 2,272 |
| 62Halifax County, VA | 64 | 18 | 13.2 | $2.1M | −1.4% | #651 of 2,272 |
| 63Smyth County, VA | 61 | 18 | 14.2 | $1.8M | −3.0% | #759 of 2,272 |
| 64Chesterfield County, VA | 61 | 257 | 18.3 | $1.5M | +8.7% | #764 of 2,272 |
| 65Washington County, VA | 60 | 31 | 14.0 | $1.9M | 0.0% | #776 of 2,272 |
| 66Alexandria city, VA | 60 | 69 | 9.1 | $1.9M | +1.0% | #777 of 2,272 |
| 67Norfolk city, VA | 57 | 97 | 10.2 | $2M | −2.9% | #867 of 2,272 |
| 68Montgomery County, VA | 57 | 53 | 14.3 | $1.7M | −1.2% | #876 of 2,272 |
| 69Northampton County, VA | 56 | 6 | 11.0 | $2.2M | −2.8% | #894 of 2,272 |
| 70Charlottesville city, VA | 56 | 19 | 9.6 | $2.1M | −4.4% | #896 of 2,272 |
| 71Newport News city, VA | 55 | 90 | 11.8 | $1.8M | −1.5% | #942 of 2,272 |
| 72Nottoway County, VA | 54 | 10 | 17.8 | $1.5M | +1.0% | #989 of 2,272 |
| 73Lancaster County, VA | 54 | 10 | 17.5 | $1.4M | +0.9% | #993 of 2,272 |
| 74Prince Edward County, VA | 53 | 14 | 18.3 | $1.5M | +2.3% | #1,021 of 2,272 |
| 75Buchanan County, VA | 52 | 9 | 12.0 | $2.1M | −8.7% | #1,032 of 2,272 |
| 76Charlotte County, VA | 51 | 7 | 14.9 | $1.9M | −1.2% | #1,059 of 2,272 |
| 77Virginia Beach city, VA | 50 | 264 | 14.7 | $1.7M | −1.3% | #1,105 of 2,272 |
| 78Staunton city, VA | 49 | 18 | 15.9 | $1.4M | +3.8% | #1,143 of 2,272 |
| 79Essex County, VA | 44 | 9 | 20.2 | $1.3M | +0.5% | #1,328 of 2,272 |
| 80Manassas city, VA | 44 | 34 | 23.9 | $1.1M | +3.9% | #1,336 of 2,272 |
| 81Roanoke city, VA | 43 | 55 | 12.6 | $1.6M | −0.8% | #1,346 of 2,272 |
| 82Tazewell County, VA | 42 | 25 | 15.3 | $1.6M | −4.4% | #1,382 of 2,272 |
| 83Colonial Heights city, VA | 42 | 15 | 19.9 | $1.2M | +3.2% | #1,405 of 2,272 |
| 84Russell County, VA | 40 | 22 | 20.6 | $1.2M | −1.7% | #1,460 of 2,272 |
| 85Roanoke County, VA | 37 | 90 | 22.7 | $1.2M | +0.2% | #1,577 of 2,272 |
| 86Fredericksburg city, VA | 35 | 38 | 32.4 | $672K | +8.6% | #1,666 of 2,272 |
| 87Henrico County, VA | 34 | 342 | 24.9 | $985K | +2.3% | #1,692 of 2,272 |
| 88Harrisonburg city, VA | 32 | 40 | 23.0 | $1.1M | −1.7% | #1,746 of 2,272 |
| 89Danville city, VA | 32 | 35 | 18.4 | $1.1M | −2.2% | #1,750 of 2,272 |
| 90Falls Church city, VA | 32 | 14 | 22.3 | $937K | +3.3% | #1,761 of 2,272 |
| 91Fairfax city, VA | 32 | 42 | 45.9 | $531K | +10.8% | #1,764 of 2,272 |
| 92Salem city, VA | 31 | 28 | 27.3 | $938K | +1.7% | #1,785 of 2,272 |
| 93Lynchburg city, VA | 31 | 77 | 26.8 | $798K | +3.0% | #1,787 of 2,272 |
| 94Williamsburg city, VA | 30 | 14 | 27.9 | $804K | +2.6% | #1,820 of 2,272 |
| 95Winchester city, VA | 24 | 31 | 27.0 | $836K | +1.0% | #1,988 of 2,272 |
| 96Martinsville city, VA | 22 | 25 | 43.8 | $470K | +2.8% | #2,049 of 2,272 |
| 97Bristol city, VA | 16 | 20 | 27.7 | $748K | −5.2% | #2,166 of 2,272 |
| Prince George County, VA | Not scored | 3 | 2.3 | $13.7M | +2.0% | |
| New Kent County, VA | Not scored | 4 | 4.3 | $7.7M | +21.2% | |
| Rockbridge County, VA | Not scored | 3 | 3.1 | $9.7M | 0.0% | |
| Southampton County, VA | Not scored | 1 | 1.5 | $20.9M | +0.9% | |
| Manassas Park city, VA | Not scored | 2 | 3.9 | $7M | −3.5% | |
| Brunswick County, VA | Not scored | 4 | 6.2 | $4.5M | −0.6% | |
| Grayson County, VA | Not scored | 4 | 6.3 | $4.5M | −0.3% | |
| Clarke County, VA | Not scored | 3 | 5.1 | $5.9M | +5.4% | |
| Alleghany County, VA | Not scored | 1 | 1.6 | $18.3M | −4.2% | |
| Nelson County, VA | Not scored | 3 | 4.7 | $6M | +1.2% | |
| Madison County, VA | Not scored | 2 | 3.6 | $8.8M | +2.7% | |
| Dickenson County, VA | Not scored | 2 | 3.4 | $7.5M | −6.0% | |
| Poquoson city, VA | Not scored | 3 | 6.3 | $4.7M | +6.6% | |
| Northumberland County, VA | Not scored | 3 | 5.3 | $5M | +6.1% | |
| Lunenburg County, VA | Not scored | 4 | 8.4 | $3.1M | +0.9% | |
| Greensville County, VA | Not scored | 0 | 0.0 | n/a | −1.8% | |
| Middlesex County, VA | Not scored | 3 | 6.3 | $4.7M | +2.2% | |
| Sussex County, VA | Not scored | 1 | 2.6 | $10.3M | −0.4% | |
| Cumberland County, VA | Not scored | 2 | 5.0 | $5.9M | +6.9% | |
| Richmond County, VA | Not scored | 6 | 18.9 | $1.7M | +4.2% | |
| Mathews County, VA | Not scored | 2 | 5.0 | $5.3M | +0.1% | |
| Franklin city, VA | Not scored | 14 | 40.5 | $584K | +4.1% | |
| Lexington city, VA | Not scored | 12 | 54.9 | $412K | +6.2% | |
| Rappahannock County, VA | Not scored | 2 | 6.7 | $4.3M | +1.6% | |
| Galax city, VA | Not scored | 15 | 54.3 | $387K | −0.7% | |
| King and Queen County, VA | Not scored | 1 | 3.3 | $8.5M | +2.4% | |
| Charles City County, VA | Not scored | 0 | 0.0 | n/a | −1.8% | |
| Buena Vista city, VA | Not scored | 5 | 19.6 | $1.3M | +0.9% | |
| Surry County, VA | Not scored | 0 | 0.0 | n/a | +0.8% | |
| Bland County, VA | Not scored | 2 | 8.4 | $3.4M | −1.7% | |
| Covington city, VA | Not scored | 8 | 31.1 | $749K | −1.2% | |
| Emporia city, VA | Not scored | 6 | 27.8 | $877K | −4.4% | |
| Craig County, VA | Not scored | 2 | 11.5 | $3M | −1.6% | |
| Bath County, VA | Not scored | 0 | 0.0 | n/a | −2.6% | |
| Norton city, VA | Not scored | 7 | 43.6 | $432K | −5.5% | |
| Highland County, VA | Not scored | 1 | 10.0 | $3M | +3.4% |
Markets with fewer than 5 insurance agencies on map listings, and counties under 10,000 people, aren’t scored; they’re listed last in each table.
Questions
How many insurance agencies are in Virginia?
As of September 2026, map listings count 4,196 insurance agencies in Virginia. 980 of them (23%) are chain locations. The listings count insurance agencies. Official counts show 2,728 businesses with payroll classed as insurance agencies and brokerages in 2023, down 7.4% from 2019.
How much do households in Virginia spend on vehicle insurance?
About $8.6B a year, or $2,545 per household. That is 30% above the U.S. average (an index of 130, where 100 is the U.S. average). Spread across the 4,196 insurance agencies on map listings, it comes to $2M per agency. It is estimated from the incomes of the 3,365,732 households in Virginia and national spending patterns by income.
How does Virginia compare with the U.S. for insurance agencies?
Virginia has 12.5 insurance agencies per 10,000 households, 20% below the U.S. rate of 15.6. Spending per agency is $2M, 63% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Virginia would have about 6,822, against 4,196 on map listings. There is one business with payroll in the industry for every 1,234 households, against one for every 966 across the U.S. The official count fell 7.4% from 2019 to 2023, against −1.0% for the U.S.
Which market in Virginia has the highest market score for insurance agencies?
Among 11 scored metro areas in or partly in Virginia, the Staunton-Stuarts Draft metro area scores highest, at 89 (high). Among 4 scored small-town markets in or partly in Virginia, the Lake of the Woods area scores highest, at 98 (very high). Among 97 scored counties in Virginia, Louisa County scores highest, at 98 (very high). Scores compare each market with others of its kind across the U.S.
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. Virginia scores 83 for insurance agencies (high), #3 of the 50 states and DC.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Virginia. 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.
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Top markets for insurance agencies across the U.S. · All business types in Virginia
Related business types in Virginia
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- Auto repair shops6,568 listings
- Collision repair and body shops831 listings
- Car washes and detailing1,048 listings
- Tire shops1,197 listings
- Oil change and quick lube170 listings
- Gas stations3,747 listings
Screening a site or an acquisition in Virginia?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
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.