Auto · County · Virginia
Insurance agencies in Fredericksburg city, VA
How Fredericksburg city, VA 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 35 out of 100: Lower middle
Ranked #1,666 of 2,272 scored counties
#86 of 97 scored counties in Virginia
- Listings
- 38
- 10 chain locations (26%)
- Official establishments
- 15
- Businesses with payroll, 2023
- Household spending a year
- $25.5M
- On vehicle insurance · $2,179 a household
- Spending per listing
- $672K
- 46% below the U.S.
- Listings per 10k households
- 32.4
- 2.1 times the U.S.
- Population, 2025
- 30,393
- +8.6% since 2020
See the insurance agencies around any address in Fredericksburg city
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 Fredericksburg city. 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 38 insurance agencies in Fredericksburg city. Of those, 10 are chain locations, or 26%, against 21% across the U.S. That comes to 32.4 for every 10,000 households, 2.1 times the U.S. rate of 15.6.
Household spending on vehicle insurance in Fredericksburg city comes to about $25.5M a year: $2,179 per household, 11% above the U.S. average. That works out to $672K per agency, 46% below the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Fredericksburg city was 15 in 2023. That is one for every 781 households, against one for every 966 across the U.S.
Population estimates put the population change in Fredericksburg city from 2020 to 2025 at +8.6%, faster than the U.S. (+3.1%). The Groundwork market score for insurance agencies in Fredericksburg city is 35 (lower middle), #1,666 of 2,272 scored counties and #86 of 97 scored counties in Virginia.
How Fredericksburg city compares
The same measures for Virginia 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 | Fredericksburg city | Virginia | U.S. |
|---|---|---|---|
| Listings per 10k households | 32.4 | 12.5 | 15.6 |
| Spending per listing | $672K | $2M | $1.3M |
| Households per official establishment | 781 | 1,234 | 966 |
| Official establishment growth, 2019–2023 | n/a | −7.4% | −1.0% |
| Population growth, 2020–2025 | +8.6% | +2.8% | +3.1% |
| Spending per household on vehicle insurance | $2,179 | $2,545 | $1,957 |
| Median household income | $86,071 | $93,170 | $80,734 |
| Groundwork market score | 35 | 83 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 19 → 15
- Employees, 2023
- 66
- Annual payroll, 2023
- $4.5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 3810 chain locations
- Listings at the U.S. rate for this spending
- 20The 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 Fredericksburg city, 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 Fredericksburg city
- Population, 2025 estimate
- 30,393+8.6% since 2020
- Households
- 11,720
- Median age
- 33.6
- Homes lived in by their owners
- 40%
- Vehicles per household
- 1.7
- Land area
- 11 sq. mi.
- People per square mile
- 2,762
- Median household income
- $86,071+31.1% vs. 2015–2019, before inflation
- Average household income
- $116,520
- Median home value
- $483,700
- Jobs located here
- 24,298
- Daytime population
- 40,915Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Fredericksburg city?
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 Fredericksburg city. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardInsurance agencies across Virginia
Every Virginia market ranked →The highest-scoring counties in Virginia for insurance agencies, numbered among those based in Virginia, with Fredericksburg city marked.
Top counties in Virginia
| 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 |
| 86Fredericksburg city, VA | 35 | 38 | 32.4 | $672K | +8.6% | #1,666 of 2,272 |
Other business types in Fredericksburg city
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 Fredericksburg city, VA?
There are 38 insurance agencies on map listings in Fredericksburg city as of September 2026. 10 of them (26%) are chain locations. The listings count insurance agencies. Official counts show 15 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Fredericksburg city, VA spend on vehicle insurance?
About $25.5M a year, or $2,179 per household. That is 11% above the U.S. average (an index of 111, where 100 is the U.S. average). Spread across the 38 insurance agencies on map listings, it comes to $672K per agency. It is estimated from the incomes of the 11,720 households in Fredericksburg city and national spending patterns by income.
How does Fredericksburg city, VA compare with the U.S. for insurance agencies?
Fredericksburg city has 32.4 insurance agencies per 10,000 households, 2.1 times the U.S. rate of 15.6. Spending per agency is $672K, 46% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Fredericksburg city would have about 20, against 38 on map listings. There is one business with payroll in the industry for every 781 households, against one for every 966 across the U.S.
How fast is Fredericksburg city, VA growing?
Population estimates put Fredericksburg city at 30,393 people in 2025, up 8.6% since 2020, faster than the U.S. (+3.1%). It has 11,720 households. The median household income in Fredericksburg city is $86,071 a year, 7% above the U.S. median of $80,734. That rose 31.1% 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. 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. Fredericksburg city scores 35 for insurance agencies (lower middle), #1,666 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Fredericksburg city. 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 Fredericksburg city
Screening a site or an acquisition in Fredericksburg city?
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 Fredericksburg city. 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.