Auto · County · Minnesota
Insurance agencies in Cottonwood County, MN
Competitor counts, household spending and official business counts for insurance agencies in Cottonwood County, MN, set against other counties and the U.S.
Groundwork market score · out of 100
Score 12 out of 100: Low
Ranked #2,228 of 2,272 scored counties
#63 of 66 scored counties in Minnesota
- Listings
- 12
- 1 chain location (8%)
- Official establishments
- 11
- Businesses with payroll, 2023
- Household spending a year
- $8.4M
- On vehicle insurance · $1,822 a household
- Spending per listing
- $703K
- 44% below the U.S.
- Listings per 10k households
- 25.9
- 66% above the U.S.
- Population, 2025
- 11,405
- −1.0% since 2020
See the insurance agencies around any address in Cottonwood 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 Cottonwood 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
For insurance agencies, Cottonwood County has a Groundwork market score of 12 (low): #2,228 of 2,272 scored counties and #63 of 66 scored counties in Minnesota. That puts it in the bottom quarter of counties.
Map listings as of September 2026 show 12 insurance agencies in Cottonwood County. One of them (8%) is a chain location, against 21% across the U.S. That comes to 25.9 for every 10,000 households, 66% above the U.S. rate of 15.6.
At $1,822 per household (7% below the U.S. average), households in Cottonwood County spend about $8.4M a year on vehicle insurance. That is about $703K of household spending for each agency on map listings, 44% below the U.S. figure of $1.3M.
In 2023, official counts showed 11 businesses with payroll in Cottonwood County classed as insurance agencies and brokerages. That is one for every 421 households, against one for every 966 across the U.S. Population estimates show Cottonwood County declined 1.0% from 2020 to 2025, against +3.1% for the U.S.
How Cottonwood County compares
The same measures for Minnesota 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 | Cottonwood County | Minnesota | U.S. |
|---|---|---|---|
| Listings per 10k households | 25.9 | 17.3 | 15.6 |
| Spending per listing | $703K | $951K | $1.3M |
| Households per official establishment | 421 | 737 | 966 |
| Official establishment growth, 2019–2023 | n/a | −2.3% | −1.0% |
| Population growth, 2020–2025 | −1.0% | +2.1% | +3.1% |
| Spending per household on vehicle insurance | $1,822 | $1,649 | $1,957 |
| Median household income | $72,941 | $89,062 | $80,734 |
| Groundwork market score | 12 | 22 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 11 → 11
- Employees, 2023
- 16
- Annual payroll, 2023
- $1.1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 121 chain location
- Listings at the U.S. rate for this spending
- 7The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as insurance agencies and brokerages in Cottonwood 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 Cottonwood County
- Population, 2025 estimate
- 11,405−1.0% since 2020
- Households
- 4,630
- Median age
- 40.3
- Homes lived in by their owners
- 74%
- Vehicles per household
- 2.1
- Land area
- 640 sq. mi.
- People per square mile
- 18
- Median household income
- $72,941+40.0% vs. 2015–2019, before inflation
- Average household income
- $89,108
- Median home value
- $169,300
- Jobs located here
- 6,163
- Daytime population
- 11,565Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Cottonwood 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 Cottonwood 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 Minnesota
Every Minnesota market ranked →The highest-scoring counties in Minnesota for insurance agencies, numbered among those based in Minnesota, with Cottonwood County marked.
Top counties in Minnesota
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Cass County, MN | 75 | 5 | 3.9 | $4.7M | +4.2% | #326 of 2,272 |
| 2Isanti County, MN | 70 | 18 | 11.0 | $1.8M | +7.3% | #479 of 2,272 |
| 3Pine County, MN | 69 | 12 | 9.7 | $2M | +5.5% | #504 of 2,272 |
| 4Kanabec County, MN | 65 | 8 | 12.2 | $1.7M | +3.6% | #630 of 2,272 |
| 5Chisago County, MN | 62 | 20 | 9.4 | $2.1M | +4.3% | #719 of 2,272 |
| 6Aitkin County, MN | 61 | 6 | 8.3 | $2.1M | +3.5% | #748 of 2,272 |
| 7Sherburne County, MN | 59 | 36 | 10.1 | $1.9M | +6.8% | #801 of 2,272 |
| 8Mille Lacs County, MN | 56 | 13 | 12.2 | $1.6M | +4.8% | #917 of 2,272 |
| 9Dodge County, MN | 50 | 10 | 12.4 | $1.6M | +2.3% | #1,107 of 2,272 |
| 10Wright County, MN | 48 | 81 | 15.0 | $1.3M | +11.1% | #1,196 of 2,272 |
| 63Cottonwood County, MN | 12 | 12 | 25.9 | $703K | −1.0% | #2,228 of 2,272 |
Other business types in Cottonwood 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 Cottonwood County, MN?
There are 12 insurance agencies on map listings in Cottonwood County as of September 2026. One of them (8%) is a chain location. 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 Cottonwood County, MN spend on vehicle insurance?
About $8.4M a year, or $1,822 per household. That is 7% below the U.S. average (an index of 93, where 100 is the U.S. average). Spread across the 12 insurance agencies on map listings, it comes to $703K per agency. It is estimated from the incomes of the 4,630 households in Cottonwood County and national spending patterns by income.
How does Cottonwood County, MN compare with the U.S. for insurance agencies?
Cottonwood County has 25.9 insurance agencies per 10,000 households, 66% above the U.S. rate of 15.6. Spending per agency is $703K, 44% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Cottonwood County would have about 7, against 12 on map listings. There is one business with payroll in the industry for every 421 households, against one for every 966 across the U.S.
How fast is Cottonwood County, MN growing?
Population estimates put Cottonwood County at 11,405 people in 2025, down 1.0% since 2020, against +3.1% for the U.S. It has 4,630 households. The median household income in Cottonwood County is $72,941 a year, 10% below the U.S. median of $80,734. That rose 40.0% 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. Cottonwood County scores 12 for insurance agencies (low), #2,228 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Cottonwood 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 Cottonwood County
Screening a site or an acquisition in Cottonwood 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 Cottonwood 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.