Auto · County · Michigan
Insurance agencies in Otsego County, MI
The insurance agencies in Otsego County, MI, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 40 out of 100: Lower middle
Ranked #1,466 of 2,272 scored counties
#40 of 73 scored counties in Michigan
- Listings
- 16
- 3 chain locations (19%)
- Official establishments
- 11
- Businesses with payroll, 2023
- Household spending a year
- $18.7M
- On vehicle insurance · $1,665 a household
- Spending per listing
- $1.2M
- 7% below the U.S.
- Listings per 10k households
- 14.2
- 9% below the U.S.
- Population, 2025
- 26,080
- +3.8% since 2020
See the insurance agencies around any address in Otsego 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 Otsego 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
As of September 2026, map listings count 16 insurance agencies in Otsego County. 3 of them (19%) are chain locations, against 21% across the U.S. That comes to 14.2 for every 10,000 households, 9% below the U.S. rate of 15.6.
Household spending on vehicle insurance in Otsego County comes to about $18.7M a year: $1,665 per household, 15% below the U.S. average. That works out to $1.2M per agency, 7% below the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Otsego County was 11 in 2023. That is one for every 1,021 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $50K has gone to businesses classed as insurance agencies and brokerages in Otsego County.
Population estimates show Otsego County grew 3.8% from 2020 to 2025, faster than the U.S. (+3.1%). For insurance agencies, Otsego County has a Groundwork market score of 40 (lower middle): #1,466 of 2,272 scored counties and #40 of 73 scored counties in Michigan.
How Otsego 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 | Otsego County | Michigan | U.S. |
|---|---|---|---|
| Listings per 10k households | 14.2 | 13.5 | 15.6 |
| Spending per listing | $1.2M | $1.2M | $1.3M |
| Households per official establishment | 1,021 | 1,108 | 966 |
| Official establishment growth, 2019–2023 | n/a | −3.9% | −1.0% |
| Population growth, 2020–2025 | +3.8% | +0.6% | +3.1% |
| Spending per household on vehicle insurance | $1,665 | $1,558 | $1,957 |
| Median household income | $68,183 | $72,875 | $80,734 |
| Groundwork market score | 40 | 33 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 13 → 11
- Employees, 2023
- 40
- Annual payroll, 2023
- $2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 163 chain locations
- Listings at the U.S. rate for this spending
- 15The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $50K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Otsego 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 Otsego County
- Population, 2025 estimate
- 26,080+3.8% since 2020
- Households
- 11,231
- Median age
- 44.9
- Homes lived in by their owners
- 77%
- Vehicles per household
- 1.9
- Land area
- 515 sq. mi.
- People per square mile
- 50
- Median household income
- $68,183+25.5% vs. 2015–2019, before inflation
- Average household income
- $88,599
- Median home value
- $219,700
- Jobs located here
- 8,813
- Daytime population
- 24,512Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Otsego 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 Otsego 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 Otsego 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 |
| 40Otsego County, MI | 40 | 16 | 14.2 | $1.2M | +3.8% | #1,466 of 2,272 |
Other business types in Otsego 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 Otsego County, MI?
Otsego County has 16 insurance agencies on map listings as of September 2026. 3 of them (19%) are chain locations. The listings count insurance agencies. Official counts show 11 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Otsego County, MI spend on vehicle insurance?
About $18.7M a year, or $1,665 per household. That is 15% below the U.S. average (an index of 85, where 100 is the U.S. average). Spread across the 16 insurance agencies on map listings, it comes to $1.2M per agency. It is estimated from the incomes of the 11,231 households in Otsego County and national spending patterns by income.
How does Otsego County, MI compare with the U.S. for insurance agencies?
Otsego County has 14.2 insurance agencies per 10,000 households, 9% below the U.S. rate of 15.6. Spending per agency is $1.2M, 7% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Otsego County would have about 15, against 16 on map listings. There is one business with payroll in the industry for every 1,021 households, against one for every 966 across the U.S.
How fast is Otsego County, MI growing?
Population estimates put Otsego County at 26,080 people in 2025, up 3.8% since 2020, faster than the U.S. (+3.1%). It has 11,231 households. The median household income in Otsego County is $68,183 a year, 16% below the U.S. median of $80,734. That rose 25.5% 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. Otsego County scores 40 for insurance agencies (lower middle), #1,466 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Otsego 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 Otsego County
Screening a site or an acquisition in Otsego 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 Otsego 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.