Auto · County · Michigan
Insurance agencies in Ottawa County, MI
The insurance agencies in Ottawa County, MI, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 50 out of 100: Upper middle
Ranked #1,114 of 2,272 scored counties
#19 of 73 scored counties in Michigan
- Listings
- 134
- 19 chain locations (14%)
- Official establishments
- 101
- +7.5% since 2019
- Household spending a year
- $196.8M
- On vehicle insurance · $1,768 a household
- Spending per listing
- $1.5M
- 17% above the U.S.
- Listings per 10k households
- 12.0
- 23% below the U.S.
- Population, 2025
- 308,459
- +3.9% since 2020
See the insurance agencies around any address in Ottawa 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 Ottawa 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 134 insurance agencies in Ottawa County. Chain locations make up 14% of them, against 21% across the U.S. Per 10,000 households, that is 12.0, 23% below the U.S. rate of 15.6.
Household spending on vehicle insurance in Ottawa County comes to about $196.8M a year: $1,768 per household, 10% below the U.S. average. That works out to $1.5M per agency, 17% above the U.S. figure of $1.3M.
Official counts show 101 businesses with payroll classed as insurance agencies and brokerages in Ottawa County in 2023, up 7.5% from 2019. That is one for every 1,102 households, against one for every 966 across the U.S. Since fiscal 2022, 3 SBA-backed loans worth $438K have gone to businesses classed as insurance agencies and brokerages in Ottawa County.
Population estimates put the population change in Ottawa County from 2020 to 2025 at +3.9%, faster than the U.S. (+3.1%). Ottawa County scores 50 (upper middle) on the Groundwork market score for insurance agencies, ranking #1,114 of 2,272 scored counties and #19 of 73 scored counties in Michigan.
How Ottawa 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 | Ottawa County | Michigan | U.S. |
|---|---|---|---|
| Listings per 10k households | 12.0 | 13.5 | 15.6 |
| Spending per listing | $1.5M | $1.2M | $1.3M |
| Households per official establishment | 1,102 | 1,108 | 966 |
| Official establishment growth, 2019–2023 | +7.5% | −3.9% | −1.0% |
| Population growth, 2020–2025 | +3.9% | +0.6% | +3.1% |
| Spending per household on vehicle insurance | $1,768 | $1,558 | $1,957 |
| Median household income | $90,502 | $72,875 | $80,734 |
| Groundwork market score | 50 | 33 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 94 → 101+7.5% over the period
- Employees, 2023
- 548
- Annual payroll, 2023
- $39.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 13419 chain locations
- Listings at the U.S. rate for this spending
- 157The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 3
- Amount
- $438K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Ottawa 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 Ottawa County
- Population, 2025 estimate
- 308,459+3.9% since 2020
- Households
- 111,322
- Median age
- 38.6
- Homes lived in by their owners
- 79%
- Vehicles per household
- 2.0
- Land area
- 564 sq. mi.
- People per square mile
- 535
- Median household income
- $90,502+30.6% vs. 2015–2019, before inflation
- Average household income
- $115,389
- Median home value
- $323,400
- Jobs located here
- 122,407
- Daytime population
- 286,672Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Ottawa 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 Ottawa 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 Ottawa 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 |
| 19Ottawa County, MI | 50 | 134 | 12.0 | $1.5M | +3.9% | #1,114 of 2,272 |
Other business types in Ottawa 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 Ottawa County, MI?
There are 134 insurance agencies on map listings in Ottawa County as of September 2026. 19 of them (14%) are chain locations. The listings count insurance agencies. Official counts show 101 businesses with payroll classed as insurance agencies and brokerages in 2023, up 7.5% from 2019.
How much do households in Ottawa County, MI spend on vehicle insurance?
About $196.8M a year, or $1,768 per household. That is 10% below the U.S. average (an index of 90, where 100 is the U.S. average). Spread across the 134 insurance agencies on map listings, it comes to $1.5M per agency. It is estimated from the incomes of the 111,322 households in Ottawa County and national spending patterns by income.
How does Ottawa County, MI compare with the U.S. for insurance agencies?
Ottawa County has 12.0 insurance agencies per 10,000 households, 23% below the U.S. rate of 15.6. Spending per agency is $1.5M, 17% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Ottawa County would have about 157, against 134 on map listings. There is one business with payroll in the industry for every 1,102 households, against one for every 966 across the U.S. The official count rose 7.5% from 2019 to 2023, against −1.0% for the U.S.
How fast is Ottawa County, MI growing?
Population estimates put Ottawa County at 308,459 people in 2025, up 3.9% since 2020, faster than the U.S. (+3.1%). It has 111,322 households. The median household income in Ottawa County is $90,502 a year, 12% above the U.S. median of $80,734. That rose 30.6% 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. Ottawa County scores 50 for insurance agencies (upper middle), #1,114 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Ottawa 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 Ottawa County
Screening a site or an acquisition in Ottawa 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 Ottawa 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.