Auto · County · Florida
Insurance agencies in Santa Rosa County, FL
The insurance agencies in Santa Rosa County, FL, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 90 out of 100: Very high
Ranked #59 of 2,272 scored counties
#2 of 61 scored counties in Florida
- Listings
- 65
- 21 chain locations (32%)
- Official establishments
- 47
- +9.3% since 2019
- Household spending a year
- $200.8M
- On vehicle insurance · $2,765 a household
- Spending per listing
- $3.1M
- 2.5 times the U.S.
- Listings per 10k households
- 9.0
- 42% below the U.S.
- Population, 2025
- 211,115
- +11.7% since 2020
See the insurance agencies around any address in Santa Rosa 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 Santa Rosa 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
Santa Rosa County scores 90 (very high) on the Groundwork market score for insurance agencies, ranking #59 of 2,272 scored counties and #2 of 61 scored counties in Florida. That puts it in the top 10% of counties for insurance agencies.
Households in Santa Rosa County spend about $200.8M a year on vehicle insurance, or $2,765 per household, 41% above the U.S. average. That is about $3.1M of household spending for each agency on map listings, 2.5 times the U.S. figure of $1.3M.
Santa Rosa County has 65 insurance agencies on map listings as of September 2026. 21 of them (32%) are chain locations, against 21% across the U.S. That is 9.0 per 10,000 households, 42% below the U.S. rate of 15.6.
Official counts show 47 businesses with payroll classed as insurance agencies and brokerages in Santa Rosa County in 2023, up 9.3% from 2019. That is one for every 1,545 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $430K has gone to businesses classed as insurance agencies and brokerages in Santa Rosa County. Population estimates show Santa Rosa County grew 11.7% from 2020 to 2025, faster than the U.S. (+3.1%).
How Santa Rosa 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 | Santa Rosa County | Florida | U.S. |
|---|---|---|---|
| Listings per 10k households | 9.0 | 17.1 | 15.6 |
| Spending per listing | $3.1M | $1.3M | $1.3M |
| Households per official establishment | 1,545 | 808 | 966 |
| Official establishment growth, 2019–2023 | +9.3% | +13.5% | −1.0% |
| Population growth, 2020–2025 | +11.7% | +8.7% | +3.1% |
| Spending per household on vehicle insurance | $2,765 | $2,265 | $1,957 |
| Median household income | $91,922 | $74,568 | $80,734 |
| Groundwork market score | 90 | 60 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 43 → 47+9.3% over the period
- Employees, 2023
- 187
- Annual payroll, 2023
- $10.3M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 6521 chain locations
- Listings at the U.S. rate for this spending
- 160The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $430K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Santa Rosa 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 Santa Rosa County
- Population, 2025 estimate
- 211,115+11.7% since 2020
- Households
- 72,605
- Median age
- 40.9
- Homes lived in by their owners
- 81%
- Vehicles per household
- 2.1
- Land area
- 1,012 sq. mi.
- People per square mile
- 196
- Median household income
- $91,922+35.3% vs. 2015–2019, before inflation
- Average household income
- $114,225
- Median home value
- $329,800
- Jobs located here
- 45,310
- Daytime population
- 165,759Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Santa Rosa 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 Santa Rosa 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 Santa Rosa 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 |
Other business types in Santa Rosa 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 Santa Rosa County, FL?
Map listings as of September 2026 show 65 insurance agencies in Santa Rosa County. 21 of them (32%) are chain locations. The listings count insurance agencies. Official counts show 47 businesses with payroll classed as insurance agencies and brokerages in 2023, up 9.3% from 2019.
How much do households in Santa Rosa County, FL spend on vehicle insurance?
About $200.8M a year, or $2,765 per household. That is 41% above the U.S. average (an index of 141, where 100 is the U.S. average). Spread across the 65 insurance agencies on map listings, it comes to $3.1M per agency. It is estimated from the incomes of the 72,605 households in Santa Rosa County and national spending patterns by income.
How does Santa Rosa County, FL compare with the U.S. for insurance agencies?
Santa Rosa County has 9.0 insurance agencies per 10,000 households, 42% below the U.S. rate of 15.6. Spending per agency is $3.1M, 2.5 times the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Santa Rosa County would have about 160, against 65 on map listings. There is one business with payroll in the industry for every 1,545 households, against one for every 966 across the U.S. The official count rose 9.3% from 2019 to 2023, against −1.0% for the U.S.
How fast is Santa Rosa County, FL growing?
Population estimates put Santa Rosa County at 211,115 people in 2025, up 11.7% since 2020, faster than the U.S. (+3.1%). It has 72,605 households. Median household income in Santa Rosa County is $91,922, 14% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 35.3%, 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. Santa Rosa County scores 90 for insurance agencies (very high), #59 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Santa Rosa 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 Santa Rosa County
Screening a site or an acquisition in Santa Rosa 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 Santa Rosa 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.