Auto · County · Minnesota
Insurance agencies in Koochiching County, MN
Competitor counts, household spending and official business counts for insurance agencies in Koochiching County, MN, set against other counties and the U.S.
Groundwork market score · out of 100
Score 26 out of 100: Lower middle
Ranked #1,912 of 2,272 scored counties
#40 of 66 scored counties in Minnesota
- Listings
- 8
- 0 chain locations (0%)
- Official establishments
- 7
- Businesses with payroll, 2023
- Household spending a year
- $10.3M
- On vehicle insurance · $1,747 a household
- Spending per listing
- $1.3M
- 2% above the U.S.
- Listings per 10k households
- 13.6
- 13% below the U.S.
- Population, 2025
- 11,587
- −3.7% since 2020
See the insurance agencies around any address in Koochiching 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 Koochiching 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
Koochiching County scores 26 (lower middle) on the Groundwork market score for insurance agencies, ranking #1,912 of 2,272 scored counties and #40 of 66 scored counties in Minnesota. That puts it in the bottom quarter of counties.
As of September 2026, map listings count 8 insurance agencies in Koochiching County. None of them are chain locations, against 21% across the U.S. Per 10,000 households, that is 13.6, 13% below the U.S. rate of 15.6.
At $1,747 per household (11% below the U.S. average), households in Koochiching County spend about $10.3M a year on vehicle insurance. That is about $1.3M of household spending for each agency on map listings, 2% above the U.S. figure of $1.3M.
In 2023, official counts showed 7 businesses with payroll in Koochiching County classed as insurance agencies and brokerages. That is one for every 839 households, against one for every 966 across the U.S. Population estimates put the population change in Koochiching County from 2020 to 2025 at −3.7%, against +3.1% for the U.S.
How Koochiching 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 | Koochiching County | Minnesota | U.S. |
|---|---|---|---|
| Listings per 10k households | 13.6 | 17.3 | 15.6 |
| Spending per listing | $1.3M | $951K | $1.3M |
| Households per official establishment | 839 | 737 | 966 |
| Official establishment growth, 2019–2023 | n/a | −2.3% | −1.0% |
| Population growth, 2020–2025 | −3.7% | +2.1% | +3.1% |
| Spending per household on vehicle insurance | $1,747 | $1,649 | $1,957 |
| Median household income | $66,940 | $89,062 | $80,734 |
| Groundwork market score | 26 | 22 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 8 → 7
- Employees, 2023
- 22
- Annual payroll, 2023
- $1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 80 chain locations
- Listings at the U.S. rate for this spending
- 8The 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 Koochiching 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 Koochiching County
- Population, 2025 estimate
- 11,587−3.7% since 2020
- Households
- 5,872
- Median age
- 50.5
- Homes lived in by their owners
- 80%
- Vehicles per household
- 2.0
- Land area
- 3,105 sq. mi.
- People per square mile
- 4
- Median household income
- $66,940+31.6% vs. 2015–2019, before inflation
- Average household income
- $87,265
- Median home value
- $156,600
- Jobs located here
- 4,294
- Daytime population
- 11,095Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Koochiching 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 Koochiching 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 Koochiching 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 |
| 40Koochiching County, MN | 26 | 8 | 13.6 | $1.3M | −3.7% | #1,912 of 2,272 |
Other business types in Koochiching 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 Koochiching County, MN?
Koochiching County has 8 insurance agencies on map listings as of September 2026. None of them are chain locations. The listings count insurance agencies. Official counts show 7 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Koochiching County, MN spend on vehicle insurance?
About $10.3M a year, or $1,747 per household. That is 11% below the U.S. average (an index of 89, where 100 is the U.S. average). Spread across the 8 insurance agencies on map listings, it comes to $1.3M per agency. It is estimated from the incomes of the 5,872 households in Koochiching County and national spending patterns by income.
How does Koochiching County, MN compare with the U.S. for insurance agencies?
Koochiching County has 13.6 insurance agencies per 10,000 households, 13% below the U.S. rate of 15.6. Spending per agency is $1.3M, 2% above the U.S. figure of $1.3M. The count on map listings matches the U.S. ratio of insurance agencies to household spending. There is one business with payroll in the industry for every 839 households, against one for every 966 across the U.S.
How fast is Koochiching County, MN growing?
Population estimates put Koochiching County at 11,587 people in 2025, down 3.7% since 2020, against +3.1% for the U.S. It has 5,872 households. The median household income in Koochiching County is $66,940 a year, 17% below the U.S. median of $80,734. That rose 31.6% 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. Koochiching County scores 26 for insurance agencies (lower middle), #1,912 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Koochiching 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 Koochiching County
Screening a site or an acquisition in Koochiching 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 Koochiching 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.