Auto · County · Florida
Insurance agencies in Charlotte County, FL
How Charlotte County, FL compares with other counties and the U.S. for insurance agencies: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 74 out of 100: Upper middle
Ranked #365 of 2,272 scored counties
#21 of 61 scored counties in Florida
- Listings
- 110
- 21 chain locations (19%)
- Official establishments
- 63
- +16.7% since 2019
- Household spending a year
- $205.1M
- On vehicle insurance · $2,266 a household
- Spending per listing
- $1.9M
- 49% above the U.S.
- Listings per 10k households
- 12.1
- 22% below the U.S.
- Population, 2025
- 217,212
- +15.5% since 2020
See the insurance agencies around any address in Charlotte 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 Charlotte 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
Map listings as of September 2026 show 110 insurance agencies in Charlotte County. Of those, 21 are chain locations, or 19%, against 21% across the U.S. That comes to 12.1 for every 10,000 households, 22% below the U.S. rate of 15.6.
Households in Charlotte County spend about $205.1M a year on vehicle insurance, or $2,266 per household, 16% above the U.S. average. Spread across 110 insurance agencies, that is $1.9M per agency, 49% above the U.S. figure of $1.3M.
Official counts show 63 businesses with payroll classed as insurance agencies and brokerages in Charlotte County in 2023, up 16.7% from 2019. That is one for every 1,437 households, against one for every 966 across the U.S. Since fiscal 2022, 3 SBA-backed loans worth $1.6M have gone to businesses classed as insurance agencies and brokerages in Charlotte County.
Between 2020 and 2025, the population of Charlotte County grew 15.5%, faster than the U.S. (+3.1%). For insurance agencies, Charlotte County has a Groundwork market score of 74 (upper middle): #365 of 2,272 scored counties and #21 of 61 scored counties in Florida. That puts it in the top quarter of counties.
How Charlotte County compares
The same measures for Florida 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 | Charlotte County | Florida | U.S. |
|---|---|---|---|
| Listings per 10k households | 12.1 | 17.1 | 15.6 |
| Spending per listing | $1.9M | $1.3M | $1.3M |
| Households per official establishment | 1,437 | 808 | 966 |
| Official establishment growth, 2019–2023 | +16.7% | +13.5% | −1.0% |
| Population growth, 2020–2025 | +15.5% | +8.7% | +3.1% |
| Spending per household on vehicle insurance | $2,266 | $2,265 | $1,957 |
| Median household income | $69,952 | $74,568 | $80,734 |
| Groundwork market score | 74 | 60 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 54 → 63+16.7% over the period
- Employees, 2023
- 293
- Annual payroll, 2023
- $16.7M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 11021 chain locations
- Listings at the U.S. rate for this spending
- 163The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 3
- Amount
- $1.6M
SBA-backed loans to businesses classed as insurance agencies and brokerages in Charlotte 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 Charlotte County
- Population, 2025 estimate
- 217,212+15.5% since 2020
- Households
- 90,542
- Median age
- 58.2
- Homes lived in by their owners
- 84%
- Vehicles per household
- 1.7
- Land area
- 681 sq. mi.
- People per square mile
- 295
- Median household income
- $69,952+35.8% vs. 2015–2019, before inflation
- Average household income
- $92,474
- Median home value
- $328,900
- Jobs located here
- 57,938
- Daytime population
- 192,438Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Charlotte 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 Charlotte 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 Florida
Every Florida market ranked →The highest-scoring counties in Florida for insurance agencies, numbered among those based in Florida, with Charlotte County marked.
Top counties in Florida
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Wakulla County, FL | 96 | 6 | 4.7 | $5.9M | +12.3% | #6 of 2,272 |
| 2Santa Rosa County, FL | 90 | 65 | 9.0 | $3.1M | +11.7% | #59 of 2,272 |
| 3Nassau County, FL | 89 | 38 | 9.7 | $2.7M | +17.4% | #73 of 2,272 |
| 4Suwannee County, FL | 88 | 14 | 8.7 | $2.9M | +10.6% | #84 of 2,272 |
| 5Gulf County, FL | 86 | 5 | 8.4 | $3M | +11.7% | #113 of 2,272 |
| 6Washington County, FL | 85 | 5 | 5.4 | $5M | +5.4% | #121 of 2,272 |
| 7DeSoto County, FL | 85 | 10 | 7.8 | $2.9M | +8.8% | #128 of 2,272 |
| 8Putnam County, FL | 84 | 21 | 6.7 | $3.5M | +5.9% | #137 of 2,272 |
| 9Clay County, FL | 84 | 80 | 9.6 | $2.8M | +9.4% | #143 of 2,272 |
| 10Sumter County, FL | 83 | 44 | 6.3 | $3.2M | +21.1% | #158 of 2,272 |
| 21Charlotte County, FL | 74 | 110 | 12.1 | $1.9M | +15.5% | #365 of 2,272 |
Other business types in Charlotte 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 Charlotte County, FL?
There are 110 insurance agencies on map listings in Charlotte County as of September 2026. 21 of them (19%) are chain locations. The listings count insurance agencies. Official counts show 63 businesses with payroll classed as insurance agencies and brokerages in 2023, up 16.7% from 2019.
How much do households in Charlotte County, FL spend on vehicle insurance?
About $205.1M a year, or $2,266 per household. That is 16% above the U.S. average (an index of 116, where 100 is the U.S. average). Spread across the 110 insurance agencies on map listings, it comes to $1.9M per agency. It is estimated from the incomes of the 90,542 households in Charlotte County and national spending patterns by income.
How does Charlotte County, FL compare with the U.S. for insurance agencies?
Charlotte County has 12.1 insurance agencies per 10,000 households, 22% below the U.S. rate of 15.6. Spending per agency is $1.9M, 49% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Charlotte County would have about 163, against 110 on map listings. There is one business with payroll in the industry for every 1,437 households, against one for every 966 across the U.S. The official count rose 16.7% from 2019 to 2023, against −1.0% for the U.S.
How fast is Charlotte County, FL growing?
Population estimates put Charlotte County at 217,212 people in 2025, up 15.5% since 2020, faster than the U.S. (+3.1%). It has 90,542 households. The median household income in Charlotte County is $69,952 a year, 13% below the U.S. median of $80,734. That rose 35.8% 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. 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. Charlotte County scores 74 for insurance agencies (upper middle), #365 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Charlotte 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 Charlotte County
Screening a site or an acquisition in Charlotte 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 Charlotte 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.