Groundwork

Market rankings · Florida

Insurance agencies in Florida

Markets across Florida ranked by the Groundwork market score for insurance agencies, with competitor counts and household spending for each.

Listings
14,989
2,706 chain locations (18%)
Official establishments
10,837
+13.5% since 2019
Household spending a year
$19.8B
On vehicle insurance
Listings per 10k households
17.1
10% above the U.S.
Spending per listing
$1.3M
5% above the U.S.
Rank among states
#17 of 51
Market score 60 · Upper middle

A site report maps the insurance agencies on map listings around any address in Florida by name and distance, and the spending within reach.

Free10 actions over 3 days, no card

Survey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure

What this means

As of September 2026, map listings count 14,989 insurance agencies in Florida. Of those, 2,706 are chain locations, or 18%, against 21% across the U.S. Per 10,000 households, that is 17.1, 10% above the U.S. rate of 15.6.

Households in Florida spend about $19.8B a year on vehicle insurance, or $2,265 per household, 16% above the U.S. average. Spread across 14,989 insurance agencies, that is $1.3M per agency, 5% above the U.S. figure of $1.3M.

In 2023, official counts showed 10,837 businesses with payroll in Florida classed as insurance agencies and brokerages, up 13.5% from 2019. That is one for every 808 households, against one for every 966 across the U.S. Across the U.S., the count fell 1.0% over the same years. Since fiscal 2022, 350 SBA-backed loans worth $191.3M have gone to businesses classed as insurance agencies and brokerages in Florida.

Among the 50 states and DC, Florida ranks #17 for insurance agencies, with a Groundwork market score of 60 (upper middle). Of the 22 scored metro areas in or partly in Florida, the Wildwood-The Villages metro area scores highest (87). Of the 6 scored small-town markets in or partly in Florida, the Arcadia area scores highest (89).

Every market in Florida for insurance agencies

Download the ranking (CSV)

Numbered by Groundwork market score among the markets based in Florida, highest first; the U.S. rank compares each market with every other of its kind. A metro area that crosses a state line is listed in each state it reaches, and numbered only in the state its page is under. How the score works.

Metro areas

Metro areas reaching Florida, ranked for insurance agencies by Groundwork market score
MarketScoreListingsPer 10k householdsSpending per listingPopulation growthU.S. rank
1Wildwood-The Villages, FL87446.3$3.2M+21.1%#14 of 387
2Sebring, FL86429.0$2.4M+9.7%#17 of 387
3Homosassa Springs, FL837510.5$2.2M+11.1%#23 of 387
4Punta Gorda, FL8311012.1$1.9M+15.5%#25 of 387
5Ocala, FL8219511.8$2M+17.3%#27 of 387
6Panama City-Panama City Beach, FL8211012.5$2M+15.7%#28 of 387
7Crestview-Fort Walton Beach-Destin, FL7815012.5$2M+9.4%#44 of 387
8Pensacola-Ferry Pass-Brent, FL7825212.5$2M+6.5%#47 of 387
9Deltona-Daytona Beach-Ormond Beach, FL7734311.6$2M+11.2%#51 of 387
10Gainesville, FL7716911.9$1.9M+5.4%#52 of 387
11Lakeland-Winter Haven, FL7736512.6$1.8M+19.8%#53 of 387
12Palm Bay-Melbourne-Titusville, FL7333012.8$1.8M+9.1%#63 of 387
13Jacksonville, FL7390513.6$1.7M+10.7%#66 of 387
14North Port-Bradenton-Sarasota, FL6651913.3$1.7M+13.2%#99 of 387
15Sebastian-Vero Beach-West Vero Corridor, FL6410314.5$1.5M+7.7%#109 of 387
16Port St. Lucie, FL6331915.5$1.5M+16.0%#118 of 387
17Tallahassee, FL6224515.5$1.5M+3.1%#124 of 387
18Naples-Marco Island, FL5925515.4$1.4M+10.6%#132 of 387
19Orlando-Kissimmee-Sanford, FL581,69616.6$1.4M+10.3%#140 of 387
20Cape Coral-Fort Myers, FL5655516.9$1.3M+14.4%#157 of 387
21Tampa-St. Petersburg-Clearwater, FL532,17616.4$1.4M+7.3%#170 of 387
22Miami-Fort Lauderdale-West Palm Beach, FL295,78524.8$875K+4.2%#318 of 387

Small-town markets

Small-town markets reaching Florida, ranked for insurance agencies by Groundwork market score
MarketScoreListingsPer 10k householdsSpending per listingPopulation growthU.S. rank
1Arcadia, FL89107.8$2.9M+8.8%#16 of 537
2Palatka, FL88216.7$3.5M+5.9%#18 of 537
3Clewiston, FL83189.7$2.5M+18.8%#39 of 537
4Lake City, FL803412.4$2M+6.2%#52 of 537
5Okeechobee, FL692315.2$1.5M+7.4%#111 of 537
6Key West-Key Largo, FL553510.2$2.2M−2.9%#214 of 537

Counties

Counties in Florida, ranked for insurance agencies by Groundwork market score
MarketScoreListingsPer 10k householdsSpending per listingPopulation growthU.S. rank
1Wakulla County, FL9664.7$5.9M+12.3%#6 of 2,272
2Santa Rosa County, FL90659.0$3.1M+11.7%#59 of 2,272
3Nassau County, FL89389.7$2.7M+17.4%#73 of 2,272
4Suwannee County, FL88148.7$2.9M+10.6%#84 of 2,272
5Gulf County, FL8658.4$3M+11.7%#113 of 2,272
6Washington County, FL8555.4$5M+5.4%#121 of 2,272
7DeSoto County, FL85107.8$2.9M+8.8%#128 of 2,272
8Putnam County, FL84216.7$3.5M+5.9%#137 of 2,272
9Clay County, FL84809.6$2.8M+9.4%#143 of 2,272
10Sumter County, FL83446.3$3.2M+21.1%#158 of 2,272
11Levy County, FL832312.4$2M+12.7%#171 of 2,272
12Gadsden County, FL80137.7$3.1M+2.0%#223 of 2,272
13Holmes County, FL8068.6$2.9M+2.7%#224 of 2,272
14Highlands County, FL79429.0$2.4M+9.7%#242 of 2,272
15Flagler County, FL77478.9$2.7M+21.0%#289 of 2,272
16Baker County, FL7799.8$2.5M+5.8%#291 of 2,272
17Lake County, FL7716710.2$2.4M+18.1%#292 of 2,272
18Hernando County, FL769411.4$2.1M+13.3%#322 of 2,272
19Citrus County, FL747510.5$2.2M+11.1%#359 of 2,272
20Marion County, FL7419511.8$2M+17.3%#362 of 2,272
21Charlotte County, FL7411012.1$1.9M+15.5%#365 of 2,272
22Hardee County, FL7367.3$3.6M+2.4%#370 of 2,272
23Bradford County, FL7399.7$2.6M+0.3%#378 of 2,272
24Jackson County, FL731810.4$2.3M+5.4%#384 of 2,272
25Columbia County, FL733412.4$2M+6.2%#391 of 2,272
Show all 67 counties
Counties in Florida, ranked for insurance agencies by Groundwork market score, continued
MarketScoreListingsPer 10k householdsSpending per listingPopulation growthU.S. rank
26Franklin County, FL73612.1$1.9M+4.5%#396 of 2,272
27St. Lucie County, FL7117112.4$1.9M+21.4%#443 of 2,272
28Bay County, FL7110513.3$1.8M+17.2%#445 of 2,272
29Walton County, FL694011.6$2.2M+22.9%#496 of 2,272
30Manatee County, FL6920311.5$2M+16.6%#501 of 2,272
31Okaloosa County, FL6911012.9$2M+4.6%#503 of 2,272
32Pasco County, FL6928612.1$1.9M+19.1%#505 of 2,272
33Polk County, FL6936512.6$1.8M+19.8%#507 of 2,272
34Osceola County, FL6919913.9$1.8M+23.2%#508 of 2,272
35Volusia County, FL6829612.2$1.9M+9.1%#527 of 2,272
36Hamilton County, FL68614.0$1.7M+3.3%#531 of 2,272
37Hendry County, FL671812.7$1.9M+21.5%#561 of 2,272
38Brevard County, FL6633012.8$1.8M+9.1%#591 of 2,272
39St. Johns County, FL6615913.7$1.8M+25.0%#592 of 2,272
40Alachua County, FL6314212.2$1.8M+3.7%#697 of 2,272
41Okeechobee County, FL632315.2$1.5M+7.4%#705 of 2,272
42Jefferson County, FL591119.1$1.3M+11.1%#826 of 2,272
43Indian River County, FL5810314.5$1.5M+7.7%#852 of 2,272
44Escambia County, FL5618714.5$1.6M+3.5%#920 of 2,272
45Duval County, FL5661914.9$1.5M+6.5%#928 of 2,272
46Collier County, FL5525515.4$1.4M+10.6%#967 of 2,272
47Taylor County, FL541012.5$1.9M−2.5%#979 of 2,272
48Sarasota County, FL5431614.9$1.5M+10.0%#991 of 2,272
49Lee County, FL5255516.9$1.3M+14.4%#1,054 of 2,272
50Madison County, FL511115.8$1.3M+5.0%#1,092 of 2,272
51Monroe County, FL503510.2$2.2M−2.9%#1,101 of 2,272
52Orange County, FL4991917.4$1.3M+6.7%#1,151 of 2,272
53Hillsborough County, FL471,04317.9$1.3M+7.4%#1,232 of 2,272
54Leon County, FL4521517.5$1.3M+1.7%#1,293 of 2,272
55Calhoun County, FL40715.1$1.6M−3.0%#1,439 of 2,272
56Seminole County, FL3841121.9$1.1M+4.3%#1,548 of 2,272
57Martin County, FL3614821.8$1.1M+4.8%#1,618 of 2,272
58Palm Beach County, FL351,28621.2$1M+5.5%#1,659 of 2,272
59Broward County, FL291,88825.0$866K+3.6%#1,850 of 2,272
60Miami-Dade County, FL292,61126.8$805K+4.0%#1,851 of 2,272
61Pinellas County, FL2875317.6$1.2M−1.2%#1,861 of 2,272
Gilchrist County, FLNot scored45.6$5M+14.5%
Dixie County, FLNot scored11.6$15.6M+8.0%
Union County, FLNot scored37.0$3.8M+5.2%
Glades County, FLNot scored00.0n/a+9.9%
Lafayette County, FLNot scored311.4$2.2M+6.8%
Liberty County, FLNot scored00.0n/a+2.8%

Markets with fewer than 5 insurance agencies on map listings, and counties under 10,000 people, aren’t scored; they’re listed last in each table.

Questions

How many insurance agencies are in Florida?

Florida has 14,989 insurance agencies on map listings as of September 2026. 2,706 of them (18%) are chain locations. The listings count insurance agencies. Official counts show 10,837 businesses with payroll classed as insurance agencies and brokerages in 2023, up 13.5% from 2019.

How much do households in Florida spend on vehicle insurance?

About $19.8B a year, or $2,265 per household. That is 16% above the U.S. average (an index of 116, where 100 is the U.S. average). Spread across the 14,989 insurance agencies on map listings, it comes to $1.3M per agency. It is estimated from the incomes of the 8,752,810 households in Florida and national spending patterns by income.

How does Florida compare with the U.S. for insurance agencies?

Florida has 17.1 insurance agencies per 10,000 households, 10% above the U.S. rate of 15.6. Spending per agency is $1.3M, 5% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Florida would have about 15,787, against 14,989 on map listings. There is one business with payroll in the industry for every 808 households, against one for every 966 across the U.S. The official count rose 13.5% from 2019 to 2023, against −1.0% for the U.S.

Which market in Florida has the highest market score for insurance agencies?

Among 22 scored metro areas in or partly in Florida, the Wildwood-The Villages metro area scores highest, at 87 (high). Among 6 scored small-town markets in or partly in Florida, the Arcadia area scores highest, at 89 (high). Among 61 scored counties in Florida, Wakulla County scores highest, at 96 (very high). Scores compare each market with others of its kind across the U.S.

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. Florida scores 60 for insurance agencies (upper middle), #17 of the 50 states and DC.

How can I see the market around a specific site?

Run a Groundwork site report on an address in Florida. 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.

Insurance agencies in other states

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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.