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Where insurance agencies may be underserved

Estimate only, not proof of demand.

Insurance agencies earn renewal commissions on the policies they place, so a book of loyal clients is the business. Agencies are common in growing suburbs, areas with many homeowners and drivers, and communities that value a local agent they can call. This map shows ZIP codes where insurance agencies may be underserved.

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  • 1 per 1,747U.S. average people per insurance agency
  • 13,362ZIPs with at least 5,000 residents
  • 1,169of them with none mapped

Top ZIPs where insurance agencies may be underserved

People per business divides population by the agencies mapped in a ZIP; a high number may hint at room, but online insurers and agents who work remotely serve many people without a storefront.

  1. 100956 Bayamon, PR1 per 66,734Pop 66,734 · 1 mapped · 38.2× U.S. · nearest 3.1 miBusinesses for sale in PR →View on the map →
  2. 220019 Washington, DC1 per 63,380Pop 63,380 · 1 mapped · 36.3× U.S. · nearest 0.8 miBusinesses for sale in Washington →View on the map →
  3. 392057 Oceanside, CA1 per 56,835Pop 56,835 · 1 mapped · 32.5× U.S. · nearest 2.3 miBusinesses for sale in Oceanside →View on the map →
  4. 495757 Elk Grove, CA1 per 56,764Pop 56,764 · 1 mapped · 32.5× U.S. · nearest 5.2 miBusinesses for sale in CA →View on the map →
  5. 500727 Caguas, PR1 per 55,191Pop 55,191 · 1 mapped · 31.6× U.S. · nearest 1.9 miBusinesses for sale in PR →View on the map →
  6. 696818 Honolulu, HI1 per 54,822Pop 54,822 · 1 mapped · 31.4× U.S. · nearest 1.2 miBusinesses for sale in Honolulu →View on the map →
  7. 720020 Washington, DC1 per 53,005Pop 53,005 · 1 mapped · 30.3× U.S. · nearest 1 miBusinesses for sale in Washington →View on the map →
  8. 892058 Oceanside, CA1 per 49,834Pop 49,834 · 1 mapped · 28.5× U.S. · nearest 1.9 miBusinesses for sale in Oceanside →View on the map →
  9. 995843 Antelope, CA1 per 47,695Pop 47,695 · 1 mapped · 27.3× U.S. · nearest 1.3 miBusinesses for sale in CA →View on the map →
  10. 1000729 Canovanas, PR1 per 47,067Pop 47,067 · 1 mapped · 26.9× U.S. · nearest 3.4 miBusinesses for sale in PR →View on the map →
  11. 1110025 New York, NY1 per 46,533Pop 93,065 · 2 mapped · 26.6× U.S. · nearest 0.1 miBusinesses for sale in New York →View on the map →
  12. 1292555 Moreno Valley, CA1 per 45,978Pop 45,978 · 1 mapped · 26.3× U.S. · nearest 3.5 miBusinesses for sale in Moreno Valley →View on the map →
  13. 1311221 Brooklyn, NY1 per 45,794Pop 91,588 · 2 mapped · 26.2× U.S. · nearest 0.2 miBusinesses for sale in Brooklyn →View on the map →
  14. 1400791 Humacao, PR1 per 45,455Pop 45,455 · 1 mapped · 26.0× U.S. · nearest 0.9 miBusinesses for sale in PR →View on the map →
  15. 1500736 Cayey, PR1 per 45,306Pop 45,306 · 1 mapped · 25.9× U.S. · nearest 2.6 miBusinesses for sale in PR →View on the map →
  16. 1696822 Honolulu, HI1 per 43,747Pop 43,747 · 1 mapped · 25.0× U.S. · nearest 0.7 miBusinesses for sale in Honolulu →View on the map →
  17. 1792394 Victorville, CA1 per 41,614Pop 41,614 · 1 mapped · 23.8× U.S. · nearest 2.8 miBusinesses for sale in Victorville →View on the map →
  18. 1885043 Phoenix, AZ1 per 41,331Pop 41,331 · 1 mapped · 23.7× U.S. · nearest 2.2 miBusinesses for sale in Phoenix →View on the map →
  19. 1900662 Isabela, PR1 per 41,090Pop 41,090 · 1 mapped · 23.5× U.S. · nearest 1.3 miBusinesses for sale in PR →View on the map →
  20. 2000778 Gurabo, PR1 per 40,203Pop 40,203 · 1 mapped · 23.0× U.S. · nearest 0.8 miBusinesses for sale in PR →View on the map →
  21. 2198031 Kent, WA1 per 40,094Pop 40,094 · 1 mapped · 22.9× U.S. · nearest 1.6 miBusinesses for sale in Kent →View on the map →
  22. 2200674 Manati, PR1 per 39,093Pop 39,093 · 1 mapped · 22.4× U.S. · nearest 0.4 miBusinesses for sale in PR →View on the map →
  23. 2392301 Adelanto, CA1 per 38,577Pop 38,577 · 1 mapped · 22.1× U.S. · nearest 12.2 miBusinesses for sale in Adelanto →View on the map →
  24. 2410468 Bronx, NY1 per 37,779Pop 75,557 · 2 mapped · 21.6× U.S. · nearest 0.5 miBusinesses for sale in Bronx →View on the map →
  25. 2590059 Los Angeles, CA1 per 37,511Pop 37,511 · 1 mapped · 21.5× U.S. · nearest 1 miBusinesses for sale in Los Angeles →View on the map →

Ranked by people per business, highest first. ZIPs with at least 5,000 residents and at least one mapped. Estimate only, not proof of demand.

  • None mapped
  • ≥2× U.S. people per business
  • 1.25–2×
  • Near average
  • Well served

Large ZIPs with none mapped

The most populated ZIPs with at least 5,000 residents where open map data shows no insurance agency businesses. Listed separately, not ranked: one may sit just over the ZIP line, so check the nearest distance and the map.

  1. 110452 Bronx, NYNone mappedPop 75,682 · 0 mapped · nearest 0.7 miBusinesses for sale in Bronx →View on the map →
  2. 200953 Rio Del Olata Mall Local 5-A-2, PRNone mappedPop 66,156 · 0 mapped · nearest 4.3 miBusinesses for sale in PR →View on the map →
  3. 300976 Trujillo Alto, PRNone mappedPop 60,620 · 0 mapped · nearest 3.7 miBusinesses for sale in PR →View on the map →
  4. 400987 Carolina, PRNone mappedPop 55,747 · 0 mapped · nearest 2.8 miBusinesses for sale in PR →View on the map →
  5. 500693 Vega Baja, PRNone mappedPop 55,387 · 0 mapped · nearest 4.9 miBusinesses for sale in PR →View on the map →
  6. 611224 Brooklyn, NYNone mappedPop 50,822 · 0 mapped · nearest 1.1 miBusinesses for sale in Brooklyn →View on the map →
  7. 796792 Waianae, HINone mappedPop 49,618 · 0 mapped · nearest 7.8 miBusinesses for sale in Waianae →View on the map →
  8. 897080 Gresham, ORNone mappedPop 48,411 · 0 mapped · nearest 1.8 miBusinesses for sale in Gresham →View on the map →
  9. 900745 Rio Grande, PRNone mappedPop 46,739 · 0 mapped · nearest 7.1 miBusinesses for sale in PR →View on the map →
  10. 1000795 Juana Diaz, PRNone mappedPop 43,367 · 0 mapped · nearest 3.6 miBusinesses for sale in PR →View on the map →

Estimate only, not proof of demand.

See all ZIPs on the gap map →

Rather buy one that's already running? See insurance agencies for sale near you on BizFisher Hunt. It's free.

Questions about insurance agency gaps

Do insurance agents need a license?
Yes, agents are licensed by the state, and captive agents also need an agreement with their carrier. That license is held by the person and doesn't cap how many agencies a town can have.
What drives demand for local agents?
Homeowners, drivers, small businesses and families who want help comparing coverage or filing a claim.
What's being bought when someone buys an agency?
Mostly the book of business: the policies, renewal history and client relationships. Carrier approval may be needed for the transfer.

Estimate only, not proof of demand. Based on Overture Maps places data and U.S. Census population; estimates, not a census. Counts can miss businesses or include ones that have closed, so check any area on the ground before you buy or open a business. Estimates only — not financial, tax, or legal advice.

Built from over 3.6 million US businesses in Overture Maps places data, compared with U.S. Census population counts.

Sources. Map: OpenFreeMap · © OpenMapTiles · Data © OpenStreetMap contributors (ODbL). Places: © Overture Maps Foundation (release 2026-09-23.1), with data from Meta, Microsoft and other contributors under CDLA-Permissive-2.0, Foursquare (© 2024 Foursquare Labs, Inc., Apache-2.0, transformed to the Overture schema) and AllThePlaces (CC0); full Overture attribution. Population: U.S. Census Bureau, American Community Survey (ACS 5-year 2020-2024 B01003) (public domain); ZIP boundaries: Census 2020 cartographic boundary ZCTAs. BizFisher is not affiliated with or endorsed by these organizations.