Auto · County · Michigan
Insurance agencies in Bay County, MI
The insurance agencies in Bay County, MI, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 31 out of 100: Lower middle
Ranked #1,775 of 2,272 scored counties
#53 of 73 scored counties in Michigan
- Listings
- 63
- 16 chain locations (25%)
- Official establishments
- 36
- −18.2% since 2019
- Household spending a year
- $70.7M
- On vehicle insurance · $1,567 a household
- Spending per listing
- $1.1M
- 11% below the U.S.
- Listings per 10k households
- 14.0
- 10% below the U.S.
- Population, 2025
- 102,123
- −1.6% since 2020
See the insurance agencies around any address in Bay 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 Bay 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
Bay County scores 31 (lower middle) on the Groundwork market score for insurance agencies, ranking #1,775 of 2,272 scored counties and #53 of 73 scored counties in Michigan. That puts it in the bottom quarter of counties.
At $1,567 per household (20% below the U.S. average), households in Bay County spend about $70.7M a year on vehicle insurance. Spread across 63 insurance agencies, that is $1.1M per agency, 11% below the U.S. figure of $1.3M.
There are 63 insurance agencies on map listings in Bay County as of September 2026. Of those, 16 are chain locations, or 25%, against 21% across the U.S. That comes to 14.0 for every 10,000 households, 10% below the U.S. rate of 15.6.
The official count of businesses with payroll classed as insurance agencies and brokerages in Bay County was 36 in 2023, down 18.2% from 2019. That is one for every 1,253 households, against one for every 966 across the U.S. Since fiscal 2022, 5 SBA-backed loans worth $1M have gone to businesses classed as insurance agencies and brokerages in Bay County. Between 2020 and 2025, the population of Bay County declined 1.6%, against +3.1% for the U.S.
How Bay County compares
The same measures for Michigan 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 | Bay County | Michigan | U.S. |
|---|---|---|---|
| Listings per 10k households | 14.0 | 13.5 | 15.6 |
| Spending per listing | $1.1M | $1.2M | $1.3M |
| Households per official establishment | 1,253 | 1,108 | 966 |
| Official establishment growth, 2019–2023 | −18.2% | −3.9% | −1.0% |
| Population growth, 2020–2025 | −1.6% | +0.6% | +3.1% |
| Spending per household on vehicle insurance | $1,567 | $1,558 | $1,957 |
| Median household income | $61,763 | $72,875 | $80,734 |
| Groundwork market score | 31 | 33 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 44 → 36−18.2% over the period
- Employees, 2023
- 162
- Annual payroll, 2023
- $9.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 6316 chain locations
- Listings at the U.S. rate for this spending
- 56The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 5
- Amount
- $1M
SBA-backed loans to businesses classed as insurance agencies and brokerages in Bay 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 Bay County
- Population, 2025 estimate
- 102,123−1.6% since 2020
- Households
- 45,103
- Median age
- 45.0
- Homes lived in by their owners
- 77%
- Vehicles per household
- 1.8
- Land area
- 442 sq. mi.
- People per square mile
- 233
- Median household income
- $61,763+26.5% vs. 2015–2019, before inflation
- Average household income
- $79,153
- Median home value
- $152,200
- Jobs located here
- 31,089
- Daytime population
- 93,442Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Bay 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 Bay 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 Michigan
Every Michigan market ranked →The highest-scoring counties in Michigan for insurance agencies, numbered among those based in Michigan, with Bay County marked.
Top counties in Michigan
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Oceana County, MI | 73 | 6 | 5.8 | $3.1M | +1.7% | #374 of 2,272 |
| 2Antrim County, MI | 69 | 9 | 8.1 | $2.1M | +5.3% | #498 of 2,272 |
| 3Manistee County, MI | 68 | 6 | 5.7 | $3M | +2.3% | #516 of 2,272 |
| 4Kalkaska County, MI | 67 | 5 | 6.4 | $2.7M | +4.3% | #541 of 2,272 |
| 5Gladwin County, MI | 67 | 8 | 7.1 | $2.3M | +2.8% | #553 of 2,272 |
| 6Allegan County, MI | 63 | 42 | 9.2 | $2M | +2.1% | #686 of 2,272 |
| 7Newaygo County, MI | 63 | 20 | 10.2 | $1.7M | +3.1% | #699 of 2,272 |
| 8Barry County, MI | 61 | 24 | 9.8 | $1.9M | +2.2% | #755 of 2,272 |
| 9Missaukee County, MI | 60 | 5 | 8.5 | $2M | +1.4% | #774 of 2,272 |
| 10Cass County, MI | 58 | 18 | 8.5 | $2.1M | +0.2% | #831 of 2,272 |
| 53Bay County, MI | 31 | 63 | 14.0 | $1.1M | −1.6% | #1,775 of 2,272 |
Other business types in Bay 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 Bay County, MI?
As of September 2026, map listings count 63 insurance agencies in Bay County. 16 of them (25%) are chain locations. The listings count insurance agencies. Official counts show 36 businesses with payroll classed as insurance agencies and brokerages in 2023, down 18.2% from 2019.
How much do households in Bay County, MI spend on vehicle insurance?
About $70.7M a year, or $1,567 per household. That is 20% below the U.S. average (an index of 80, where 100 is the U.S. average). Spread across the 63 insurance agencies on map listings, it comes to $1.1M per agency. It is estimated from the incomes of the 45,103 households in Bay County and national spending patterns by income.
How does Bay County, MI compare with the U.S. for insurance agencies?
Bay County has 14.0 insurance agencies per 10,000 households, 10% below the U.S. rate of 15.6. Spending per agency is $1.1M, 11% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Bay County would have about 56, against 63 on map listings. There is one business with payroll in the industry for every 1,253 households, against one for every 966 across the U.S. The official count fell 18.2% from 2019 to 2023, against −1.0% for the U.S.
How fast is Bay County, MI growing?
Population estimates put Bay County at 102,123 people in 2025, down 1.6% since 2020, against +3.1% for the U.S. It has 45,103 households. Median household income in Bay County is $61,763, 23% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 26.5%, 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. Bay County scores 31 for insurance agencies (lower middle), #1,775 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Bay 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 Bay County
Screening a site or an acquisition in Bay 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 Bay 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.