Auto · County · California
Insurance agencies in San Francisco County, CA
The insurance agencies in San Francisco County, CA, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 20 out of 100: Low
Ranked #2,079 of 2,272 scored counties
#52 of 53 scored counties in California
- Listings
- 482
- 96 chain locations (20%)
- Official establishments
- 288
- −15.3% since 2019
- Household spending a year
- $382.1M
- On vehicle insurance · $1,050 a household
- Spending per listing
- $793K
- 37% below the U.S.
- Listings per 10k households
- 13.2
- 15% below the U.S.
- Population, 2025
- 826,079
- −5.6% since 2020
See the insurance agencies around any address in San Francisco County
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 San Francisco County. 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
For insurance agencies, San Francisco County has a Groundwork market score of 20 (low): #2,079 of 2,272 scored counties and #52 of 53 scored counties in California. That puts it in the bottom quarter of counties.
Household spending on vehicle insurance in San Francisco County comes to about $382.1M a year: $1,050 per household, 46% below the U.S. average. That works out to $793K per agency, 37% below the U.S. figure of $1.3M.
San Francisco County has 482 insurance agencies on map listings as of September 2026. 96 of them (20%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 13.2, 15% below the U.S. rate of 15.6.
In 2023, official counts showed 288 businesses with payroll in San Francisco County classed as insurance agencies and brokerages, down 15.3% from 2019. That is one for every 1,264 households, against one for every 966 across the U.S. Since fiscal 2022, 7 SBA-backed loans worth $6.8M have gone to businesses classed as insurance agencies and brokerages in San Francisco County. Between 2020 and 2025, the population of San Francisco County declined 5.6%, against +3.1% for the U.S.
How San Francisco County compares
The same measures for California 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 | San Francisco County | California | U.S. |
|---|---|---|---|
| Listings per 10k households | 13.2 | 17.2 | 15.6 |
| Spending per listing | $793K | $1.1M | $1.3M |
| Households per official establishment | 1,264 | 973 | 966 |
| Official establishment growth, 2019–2023 | −15.3% | −4.0% | −1.0% |
| Population growth, 2020–2025 | −5.6% | −0.4% | +3.1% |
| Spending per household on vehicle insurance | $1,050 | $1,926 | $1,957 |
| Median household income | $140,970 | $99,122 | $80,734 |
| Groundwork market score | 20 | 34 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 340 → 288−15.3% over the period
- Employees, 2023
- 6,879
- Annual payroll, 2023
- $990.3M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 48296 chain locations
- Listings at the U.S. rate for this spending
- 304The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 7
- Amount
- $6.8M
SBA-backed loans to businesses classed as insurance agencies and brokerages in San Francisco County, 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 San Francisco County
- Population, 2025 estimate
- 826,079−5.6% since 2020
- Households
- 363,970
- Median age
- 41.4
- Homes lived in by their owners
- 38%
- Vehicles per household
- 1.1
- Land area
- 47 sq. mi.
- People per square mile
- 17,777
- Median household income
- $140,970+25.4% vs. 2015–2019, before inflation
- Average household income
- $206,854
- Median home value
- $1,394,500
- Jobs located here
- 747,999
- Daytime population
- 1,133,228Residents who don’t work, plus everyone whose job is here
Looking at a specific site in San Francisco County?
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 San Francisco County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardInsurance agencies across California
Every California market ranked →The highest-scoring counties in California for insurance agencies, numbered among those based in California, with San Francisco County marked.
Top counties in California
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Yuba County, CA | 87 | 10 | 3.5 | $5.9M | +8.2% | #92 of 2,272 |
| 2Calaveras County, CA | 81 | 13 | 7.1 | $3.3M | +2.8% | #194 of 2,272 |
| 3San Benito County, CA | 73 | 25 | 12.2 | $2M | +8.6% | #393 of 2,272 |
| 4Lake County, CA | 72 | 17 | 6.3 | $3.3M | −0.6% | #407 of 2,272 |
| 5Merced County, CA | 71 | 87 | 10.1 | $2M | +5.1% | #439 of 2,272 |
| 6Yolo County, CA | 69 | 73 | 9.5 | $2M | +3.1% | #502 of 2,272 |
| 7Amador County, CA | 66 | 18 | 11.2 | $1.9M | +3.2% | #590 of 2,272 |
| 8Inyo County, CA | 65 | 5 | 6.2 | $3.1M | −4.4% | #605 of 2,272 |
| 9Colusa County, CA | 65 | 6 | 8.0 | $2.7M | −0.1% | #609 of 2,272 |
| 10Tehama County, CA | 64 | 20 | 8.1 | $2.5M | −1.7% | #643 of 2,272 |
| 52San Francisco County, CA | 20 | 482 | 13.2 | $793K | −5.6% | #2,079 of 2,272 |
Other business types in San Francisco County
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 San Francisco County, CA?
Map listings as of September 2026 show 482 insurance agencies in San Francisco County. 96 of them (20%) are chain locations. The listings count insurance agencies. Official counts show 288 businesses with payroll classed as insurance agencies and brokerages in 2023, down 15.3% from 2019.
How much do households in San Francisco County, CA spend on vehicle insurance?
About $382.1M a year, or $1,050 per household. That is 46% below the U.S. average (an index of 54, where 100 is the U.S. average). Spread across the 482 insurance agencies on map listings, it comes to $793K per agency. It is estimated from the incomes of the 363,970 households in San Francisco County and national spending patterns by income.
How does San Francisco County, CA compare with the U.S. for insurance agencies?
San Francisco County has 13.2 insurance agencies per 10,000 households, 15% below the U.S. rate of 15.6. Spending per agency is $793K, 37% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, San Francisco County would have about 304, against 482 on map listings. There is one business with payroll in the industry for every 1,264 households, against one for every 966 across the U.S. The official count fell 15.3% from 2019 to 2023, against −1.0% for the U.S.
How fast is San Francisco County, CA growing?
Population estimates put San Francisco County at 826,079 people in 2025, down 5.6% since 2020, against +3.1% for the U.S. It has 363,970 households. Median household income in San Francisco County is $140,970, 75% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 25.4%, 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. San Francisco County scores 20 for insurance agencies (low), #2,079 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in San Francisco County. 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 San Francisco County
Screening a site or an acquisition in San Francisco County?
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 San Francisco County. 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.