Auto · Metro area · West Virginia
Insurance agencies in the Morgantown, WV metro area
The insurance agencies in the Morgantown, WV metro area, the household spending behind them and how the market ranks against other metro areas.
Groundwork market score · out of 100
Score 72 out of 100: Upper middle
Ranked #67 of 387 scored metro areas
#1 of 7 scored metro areas based in West Virginia
- Listings
- 69
- 21 chain locations (30%)
- Official establishments
- 39
- −9.3% since 2019
- Household spending a year
- $131.2M
- On vehicle insurance · $2,283 a household
- Spending per listing
- $1.9M
- 51% above the U.S.
- Listings per 10k households
- 12.0
- 23% below the U.S.
- Population, 2025
- 141,995
- +1.3% since 2020
See the insurance agencies around any address in the Morgantown metro 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 Morgantown metro 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
Households in the Morgantown metro area spend about $131.2M a year on vehicle insurance, or $2,283 per household, 17% above the U.S. average. Spread across 69 insurance agencies, that is $1.9M per agency, 51% above the U.S. figure of $1.3M.
There are 69 insurance agencies on map listings in the Morgantown metro area as of September 2026. 21 of them (30%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 12.0, 23% below the U.S. rate of 15.6.
In 2023, official counts showed 39 businesses with payroll in the Morgantown metro area classed as insurance agencies and brokerages, down 9.3% from 2019. That is one for every 1,473 households, against one for every 966 across the U.S.
Between 2020 and 2025, the population of the Morgantown metro area grew 1.3%, slower than the U.S. (+3.1%). For insurance agencies, the Morgantown metro area has a Groundwork market score of 72 (upper middle): #67 of 387 scored metro areas and #1 of 7 scored metro areas based in West Virginia. That puts it in the top quarter of metro areas.
How the Morgantown metro 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 | Morgantown metro area | West Virginia | U.S. |
|---|---|---|---|
| Listings per 10k households | 12.0 | 14.2 | 15.6 |
| Spending per listing | $1.9M | $1.6M | $1.3M |
| Households per official establishment | 1,473 | 1,144 | 966 |
| Official establishment growth, 2019–2023 | −9.3% | −0.9% | −1.0% |
| Population growth, 2020–2025 | +1.3% | −1.4% | +3.1% |
| Spending per household on vehicle insurance | $2,283 | $2,331 | $1,957 |
| Median household income | $64,640 | $59,608 | $80,734 |
| Groundwork market score | 72 | 61 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 39−9.3% over the period
- Employees, 2023
- 171
- Annual payroll, 2023
- $10.7M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 6921 chain locations
- Listings at the U.S. rate for this spending
- 105The 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 Morgantown metro 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 Morgantown metro area
- Population, 2025 estimate
- 141,995+1.3% since 2020
- Households
- 57,438
- Median age
- 37.8
- Homes lived in by their owners
- 63%
- Vehicles per household
- 1.7
- Land area
- 1,009 sq. mi.
- People per square mile
- 140
- Median household income
- $64,640+23.5% vs. 2015–2019, before inflation
- Average household income
- $92,746
- Median home value
- $233,000
- Jobs located here
- 71,588
- Daytime population
- 156,475Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Morgantown metro area?
These figures cover the whole metro area. 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 Morgantown metro 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 metro areas 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 Morgantown metro area marked.
Top metro areas in West Virginia
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| Hagerstown-Martinsburg, MD-WV | 92 | 133 | 11.3 | $2.3M | +7.1% | #4 of 387 |
| Winchester, VA-WV | 87 | 64 | 11.5 | $2.4M | +6.5% | #16 of 387 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 80 | 2,518 | 10.6 | $2.1M | +3.3% | #35 of 387 |
| 1Morgantown, WV | 72 | 69 | 12.0 | $1.9M | +1.3% | #67 of 387 |
| 2Huntington-Ashland, WV-KY-OH | 53 | 218 | 14.3 | $1.6M | −2.6% | #167 of 387 |
| 3Weirton-Steubenville, WV-OH | 48 | 61 | 12.3 | $1.5M | −3.6% | #193 of 387 |
| 4Beckley, WV | 43 | 62 | 13.8 | $1.7M | −4.3% | #227 of 387 |
| 5Parkersburg-Vienna, WV | 41 | 68 | 18.0 | $1.3M | −2.3% | #242 of 387 |
| 6Charleston, WV | 40 | 143 | 16.4 | $1.3M | −4.7% | #247 of 387 |
| 7Wheeling, WV-OH | 35 | 99 | 17.1 | $1.1M | −3.6% | #276 of 387 |
Other business types in the Morgantown metro 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 Morgantown, WV metro area?
As of September 2026, map listings count 69 insurance agencies in the Morgantown metro area. 21 of them (30%) are chain locations. The listings count insurance agencies. Official counts show 39 businesses with payroll classed as insurance agencies and brokerages in 2023, down 9.3% from 2019.
How much do households in the Morgantown, WV metro area spend on vehicle insurance?
About $131.2M a year, or $2,283 per household. That is 17% above the U.S. average (an index of 117, where 100 is the U.S. average). Spread across the 69 insurance agencies on map listings, it comes to $1.9M per agency. It is estimated from the incomes of the 57,438 households in the Morgantown metro area and national spending patterns by income.
How does the Morgantown, WV metro area compare with the U.S. for insurance agencies?
The Morgantown metro area has 12.0 insurance agencies per 10,000 households, 23% below the U.S. rate of 15.6. Spending per agency is $1.9M, 51% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, the Morgantown metro area would have about 105, against 69 on map listings. There is one business with payroll in the industry for every 1,473 households, against one for every 966 across the U.S. The official count fell 9.3% from 2019 to 2023, against −1.0% for the U.S.
How fast is the Morgantown, WV metro area growing?
Population estimates put the Morgantown metro area at 141,995 people in 2025, up 1.3% since 2020, slower than the U.S. (+3.1%). It has 57,438 households. Median household income in the Morgantown metro area is $64,640, 20% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 23.5%, 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. The Morgantown metro area scores 72 for insurance agencies (upper middle), #67 of 387 scored metro areas.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Morgantown metro 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 Morgantown metro area
Screening a site or an acquisition in the Morgantown metro area?
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The button opens the report at the center of the Morgantown metro 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.