Auto · Small-town market · West Virginia
Insurance agencies in the Elkins, WV area
Competitor counts, household spending and official business counts for insurance agencies in the Elkins, WV area, set against other small-town markets and the U.S.
Groundwork market score · out of 100
Score 35 out of 100: Lower middle
Ranked #399 of 537 scored small-town markets
#4 of 4 scored small-town markets based in West Virginia
- Listings
- 21
- 6 chain locations (29%)
- Official establishments
- 12
- Businesses with payroll, 2023
- Household spending a year
- $24.8M
- On vehicle insurance · $2,325 a household
- Spending per listing
- $1.2M
- 6% below the U.S.
- Listings per 10k households
- 19.7
- 26% above the U.S.
- Population, 2025
- 26,882
- −3.6% since 2020
See the insurance agencies around any address in the Elkins 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 Elkins 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 21 insurance agencies in the Elkins area. 6 of them (29%) are chain locations, against 21% across the U.S. That is 19.7 per 10,000 households, 26% above the U.S. rate of 15.6.
Households in the Elkins area spend about $24.8M a year on vehicle insurance, or $2,325 per household, 19% above the U.S. average. That is about $1.2M of household spending for each agency on map listings, 6% below the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in the Elkins area was 12 in 2023. That is one for every 890 households, against one for every 966 across the U.S.
Population estimates show the Elkins area declined 3.6% from 2020 to 2025, against +3.1% for the U.S. The Groundwork market score for insurance agencies in the Elkins area is 35 (lower middle), #399 of 537 scored small-town markets and #4 of 4 scored small-town markets based in West Virginia.
How the Elkins area compares
The same measures for West 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 | Elkins area | West Virginia | U.S. |
|---|---|---|---|
| Listings per 10k households | 19.7 | 14.2 | 15.6 |
| Spending per listing | $1.2M | $1.6M | $1.3M |
| Households per official establishment | 890 | 1,144 | 966 |
| Official establishment growth, 2019–2023 | n/a | −0.9% | −1.0% |
| Population growth, 2020–2025 | −3.6% | −1.4% | +3.1% |
| Spending per household on vehicle insurance | $2,325 | $2,331 | $1,957 |
| Median household income | $52,757 | $59,608 | $80,734 |
| Groundwork market score | 35 | 61 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 12
- Employees, 2023
- 60
- Annual payroll, 2023
- $3.2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 216 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 the Elkins 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 Elkins area
- Population, 2025 estimate
- 26,882−3.6% since 2020
- Households
- 10,678
- Median age
- 44.6
- Homes lived in by their owners
- 75%
- Vehicles per household
- 1.8
- Land area
- 1,040 sq. mi.
- People per square mile
- 27
- Median household income
- $52,757+21.8% vs. 2015–2019, before inflation
- Average household income
- $71,437
- Median home value
- $144,800
- Jobs located here
- 10,659
- Daytime population
- 26,808Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Elkins 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 Elkins 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 West Virginia
Every West Virginia market ranked →The highest-scoring small-town markets in West Virginia for insurance agencies, numbered among those based in West Virginia (a market based in another state is listed without a number), with the Elkins area marked.
Top small-town markets in West Virginia
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| Cumberland, MD-WV | 62 | 52 | 13.5 | $1.7M | −1.3% | #165 of 537 |
| 1Bluefield, WV-VA | 53 | 57 | 14.1 | $1.7M | −3.8% | #231 of 537 |
| 2Clarksburg, WV | 51 | 57 | 16.1 | $1.4M | −2.4% | #256 of 537 |
| 3Fairmont, WV | 51 | 41 | 17.6 | $1.3M | −1.2% | #259 of 537 |
| 4Elkins, WV | 35 | 21 | 19.7 | $1.2M | −3.6% | #399 of 537 |
Other business types in the Elkins 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 Elkins, WV area?
There are 21 insurance agencies on map listings in the Elkins area as of September 2026. 6 of them (29%) are chain locations. The listings count insurance agencies. Official counts show 12 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in the Elkins, WV area spend on vehicle insurance?
About $24.8M a year, or $2,325 per household. That is 19% above the U.S. average (an index of 119, where 100 is the U.S. average). Spread across the 21 insurance agencies on map listings, it comes to $1.2M per agency. It is estimated from the incomes of the 10,678 households in the Elkins area and national spending patterns by income.
How does the Elkins, WV area compare with the U.S. for insurance agencies?
The Elkins area has 19.7 insurance agencies per 10,000 households, 26% above the U.S. rate of 15.6. Spending per agency is $1.2M, 6% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Elkins area would have about 20, against 21 on map listings. There is one business with payroll in the industry for every 890 households, against one for every 966 across the U.S.
How fast is the Elkins, WV area growing?
Population estimates put the Elkins area at 26,882 people in 2025, down 3.6% since 2020, against +3.1% for the U.S. It has 10,678 households. The median household income in the Elkins area is $52,757 a year, 35% below the U.S. median of $80,734. That rose 21.8% 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 Elkins area scores 35 for insurance agencies (lower middle), #399 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 Elkins 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 Elkins area
Screening a site or an acquisition in the Elkins 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 Elkins 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.