Market rankings · New York

Insurance agencies in New York

Markets across New York ranked by the Groundwork market score for insurance agencies, with competitor counts and household spending for each.

Listings: 8,278; 1,335 chain locations (16%)
Official establishments: 6,336; −4.7% since 2019
Household spending a year: $8.7B; On vehicle insurance
Listings per 10k households: 10.7; 31% below the U.S.
Spending per listing: $1.1M; 16% below the U.S.
Rank among states: #44 of 51; Market score 28 · Lower middle

A site report maps the insurance agencies on map listings around any address in New York by name and distance, and the spending within reach.

Free10 actions over 3 days, no card

Survey 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 8,278 insurance agencies in New York. Of those, 1,335 are chain locations, or 16%, against 21% across the U.S. That is 10.7 per 10,000 households, 31% below the U.S. rate of 15.6.

Household spending on vehicle insurance in New York comes to about $8.7B a year: $1,132 per household, 42% below the U.S. average. That works out to $1.1M per agency, 16% below the U.S. figure of $1.3M.

Official counts show 6,336 businesses with payroll classed as insurance agencies and brokerages in New York in 2023, down 4.7% from 2019. That is one for every 1,216 households, against one for every 966 across the U.S. Across the U.S., the count fell 1.0% over the same years. Since fiscal 2022, 202 SBA-backed loans worth $72.4M have gone to businesses classed as insurance agencies and brokerages in New York.

Among the 50 states and DC, New York ranks #44 for insurance agencies, with a Groundwork market score of 28 (lower middle). Of the 13 scored metro areas in or partly in New York, the Watertown-Fort Drum metro area scores highest (55). Of the 14 scored small-town markets in or partly in New York, the Seneca Falls area scores highest (63).

Every market in New York for insurance agencies

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Numbered by Groundwork market score among the markets based in New York, highest first; the U.S. rank compares each market with every other of its kind. A metro area that crosses a state line is listed in each state it reaches, and numbered only in the state its page is under. How the score works.

Metro areas

Metro areas reaching New York, ranked for insurance agencies by Groundwork market score
Market	Score	Listings	Per 10k households	Spending per listing	Population growth	U.S. rank
1Watertown-Fort Drum, NY	55	33	6.9	$2.1M	−3.9%	#159 of 387
2Glens Falls, NY	53	50	9.2	$1.7M	−1.9%	#166 of 387
3Kingston, NY	51	74	10.0	$1.6M	+1.1%	#178 of 387
4Ithaca, NY	49	41	9.5	$1.5M	−1.4%	#188 of 387
5Kiryas Joel-Poughkeepsie-Newburgh, NY	47	311	12.2	$1.3M	+3.0%	#205 of 387
6Elmira, NY	46	34	9.6	$1.5M	−3.9%	#209 of 387
7Binghamton, NY	43	108	10.6	$1.3M	−1.3%	#232 of 387
8Albany-Schenectady-Troy, NY	42	470	12.3	$1.2M	+1.9%	#239 of 387
9Rochester, NY	37	536	12.0	$1.2M	−0.7%	#268 of 387
10New York-Newark-Jersey City, NY-NJ	33	7,483	10.1	$1.1M	+0.6%	#291 of 387
11Buffalo-Cheektowaga, NY	32	611	12.2	$1.1M	−0.8%	#296 of 387
12Syracuse, NY	27	340	12.5	$1.1M	−1.3%	#322 of 387
13Utica-Rome, NY	26	156	12.9	$1.1M	−2.0%	#329 of 387

Small-town markets

Small-town markets reaching New York, ranked for insurance agencies by Groundwork market score
Market	Score	Listings	Per 10k households	Spending per listing	Population growth	U.S. rank
1Seneca Falls, NY	63	7	5.1	$3M	−1.7%	#151 of 537
2Monticello, NY	57	30	9.5	$1.6M	+2.7%	#206 of 537
3Batavia, NY	55	23	9.2	$1.7M	+0.2%	#216 of 537
4Hudson, NY	48	27	10.1	$1.6M	−2.1%	#278 of 537
5Oneonta, NY	46	30	12.9	$1.2M	+3.8%	#297 of 537
6Auburn, NY	44	33	10.5	$1.4M	−2.3%	#313 of 537
7Gloversville, NY	44	24	10.5	$1.4M	−1.6%	#315 of 537
8Massena-Ogdensburg, NY	43	36	8.6	$1.7M	−2.5%	#320 of 537
9Corning, NY	43	42	10.7	$1.4M	−1.6%	#324 of 537
10Plattsburgh, NY	40	38	11.3	$1.3M	−2.0%	#352 of 537
11Amsterdam, NY	38	26	13.3	$1.1M	+1.1%	#370 of 537
12Olean, NY	34	39	12.2	$1.2M	−2.1%	#407 of 537
13Cortland, NY	33	23	12.1	$1.3M	−1.9%	#417 of 537
14Jamestown-Dunkirk, NY	29	67	12.5	$1.1M	−2.6%	#441 of 537

Counties

Counties in New York, ranked for insurance agencies by Groundwork market score
Market	Score	Listings	Per 10k households	Spending per listing	Population growth	U.S. rank
1Tioga County, NY	63	10	4.9	$3.3M	−1.9%	#677 of 2,272
2Allegany County, NY	62	12	6.8	$2.3M	+0.9%	#714 of 2,272
3Seneca County, NY	61	7	5.1	$3M	−1.7%	#742 of 2,272
4Wayne County, NY	61	23	6.0	$2.7M	+0.1%	#744 of 2,272
5Washington County, NY	60	12	4.9	$3.3M	−2.9%	#770 of 2,272
6Orleans County, NY	59	11	6.8	$2.4M	−0.5%	#792 of 2,272
7Richmond County, NY	58	112	6.6	$2M	+1.3%	#835 of 2,272
8Chenango County, NY	57	13	6.5	$2.4M	−2.9%	#858 of 2,272
9Yates County, NY	57	6	6.3	$2.3M	−0.8%	#860 of 2,272
10Rensselaer County, NY	57	49	7.3	$2M	−0.2%	#866 of 2,272
11Oswego County, NY	55	37	7.8	$2M	+1.0%	#940 of 2,272
12Herkimer County, NY	53	20	7.8	$1.9M	−1.4%	#1,005 of 2,272
13Greene County, NY	51	15	8.0	$2M	−1.1%	#1,058 of 2,272
14Sullivan County, NY	51	30	9.5	$1.6M	+2.7%	#1,068 of 2,272
15Lewis County, NY	51	12	10.8	$1.6M	−0.3%	#1,071 of 2,272
16Schenectady County, NY	51	64	9.6	$1.4M	+3.0%	#1,082 of 2,272
17Schoharie County, NY	51	15	11.7	$1.4M	+1.4%	#1,088 of 2,272
18Genesee County, NY	50	23	9.2	$1.7M	+0.2%	#1,106 of 2,272
19Bronx County, NY	49	150	2.8	$1.8M	−3.8%	#1,128 of 2,272
20Jefferson County, NY	48	33	6.9	$2.1M	−3.9%	#1,164 of 2,272
21Putnam County, NY	48	39	11.0	$1.6M	+1.4%	#1,172 of 2,272
22Delaware County, NY	47	21	10.9	$1.4M	+0.2%	#1,223 of 2,272
23Dutchess County, NY	46	124	10.7	$1.5M	+1.5%	#1,245 of 2,272
24Ulster County, NY	45	74	10.0	$1.6M	+1.1%	#1,274 of 2,272
25Tompkins County, NY	45	41	9.5	$1.5M	−1.4%	#1,280 of 2,272

Show all 62 counties

Counties in New York, ranked for insurance agencies by Groundwork market score, continued
Market	Score	Listings	Per 10k households	Spending per listing	Population growth	U.S. rank
26Columbia County, NY	44	27	10.1	$1.6M	−2.1%	#1,311 of 2,272
27Ontario County, NY	44	51	10.6	$1.5M	+0.6%	#1,314 of 2,272
28Livingston County, NY	43	32	13.1	$1.3M	−0.2%	#1,363 of 2,272
29Essex County, NY	42	13	8.0	$1.9M	−2.2%	#1,380 of 2,272
30Niagara County, NY	42	90	9.8	$1.5M	−1.5%	#1,387 of 2,272
31Madison County, NY	42	29	11.0	$1.5M	−1.2%	#1,388 of 2,272
32Saratoga County, NY	42	127	12.5	$1.3M	+2.3%	#1,401 of 2,272
33Otsego County, NY	42	30	12.9	$1.2M	+3.8%	#1,407 of 2,272
34Chemung County, NY	40	34	9.6	$1.5M	−3.9%	#1,443 of 2,272
35Cayuga County, NY	40	33	10.5	$1.4M	−2.3%	#1,446 of 2,272
36Steuben County, NY	40	42	10.7	$1.4M	−1.6%	#1,447 of 2,272
37Fulton County, NY	40	24	10.5	$1.4M	−1.6%	#1,448 of 2,272
38Wyoming County, NY	40	20	12.2	$1.3M	−1.3%	#1,455 of 2,272
39St. Lawrence County, NY	39	36	8.6	$1.7M	−2.5%	#1,481 of 2,272
40Orange County, NY	39	187	13.5	$1.2M	+4.2%	#1,504 of 2,272
41Clinton County, NY	38	38	11.3	$1.3M	−2.0%	#1,528 of 2,272
42Kings County, NY	37	435	4.3	$1.2M	−2.5%	#1,571 of 2,272
43Queens County, NY	35	646	7.7	$1.1M	−1.1%	#1,652 of 2,272
44Warren County, NY	34	38	12.6	$1.2M	−0.9%	#1,677 of 2,272
45Montgomery County, NY	34	26	13.3	$1.1M	+1.1%	#1,684 of 2,272
46Broome County, NY	33	98	12.0	$1.1M	−1.2%	#1,717 of 2,272
47Cattaraugus County, NY	32	39	12.2	$1.2M	−2.1%	#1,739 of 2,272
48Cortland County, NY	30	23	12.1	$1.3M	−1.9%	#1,795 of 2,272
49Franklin County, NY	30	25	12.8	$1.2M	−1.6%	#1,801 of 2,272
50Erie County, NY	28	521	12.7	$1.1M	−0.6%	#1,866 of 2,272
51Monroe County, NY	28	419	13.2	$1.1M	−1.0%	#1,868 of 2,272
52Chautauqua County, NY	27	67	12.5	$1.1M	−2.6%	#1,891 of 2,272
53Rockland County, NY	27	156	15.0	$1M	+5.9%	#1,898 of 2,272
54Albany County, NY	26	215	16.0	$855K	+2.2%	#1,936 of 2,272
55Suffolk County, NY	23	953	19.3	$939K	+1.6%	#2,007 of 2,272
56Westchester County, NY	23	539	14.5	$931K	+1.4%	#2,008 of 2,272
57Oneida County, NY	20	136	14.3	$1M	−2.1%	#2,072 of 2,272
58Onondaga County, NY	20	274	13.9	$988K	−1.9%	#2,073 of 2,272
59New York County, NY	20	950	12.2	$368K	−1.3%	#2,084 of 2,272
60Nassau County, NY	15	949	20.7	$805K	+0.6%	#2,176 of 2,272
Schuyler County, NY	Not scored	2	2.7	$5.9M	−5.3%
Hamilton County, NY	Not scored	1	4.1	$3.7M	−1.3%

Markets with fewer than 5 insurance agencies on map listings, and counties under 10,000 people, aren’t scored; they’re listed last in each table.

Questions

How many insurance agencies are in New York?

There are 8,278 insurance agencies on map listings in New York as of September 2026. 1,335 of them (16%) are chain locations. The listings count insurance agencies. Official counts show 6,336 businesses with payroll classed as insurance agencies and brokerages in 2023, down 4.7% from 2019.

How much do households in New York spend on vehicle insurance?

About $8.7B a year, or $1,132 per household. That is 42% below the U.S. average (an index of 58, where 100 is the U.S. average). Spread across the 8,278 insurance agencies on map listings, it comes to $1.1M per agency. It is estimated from the incomes of the 7,704,486 households in New York and national spending patterns by income.

How does New York compare with the U.S. for insurance agencies?

New York has 10.7 insurance agencies per 10,000 households, 31% below the U.S. rate of 15.6. Spending per agency is $1.1M, 16% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, New York would have about 6,945, against 8,278 on map listings. There is one business with payroll in the industry for every 1,216 households, against one for every 966 across the U.S. The official count fell 4.7% from 2019 to 2023, against −1.0% for the U.S.

Which market in New York has the highest market score for insurance agencies?

Among 13 scored metro areas in or partly in New York, the Watertown-Fort Drum metro area scores highest, at 55 (upper middle). Among 14 scored small-town markets in or partly in New York, the Seneca Falls area scores highest, at 63 (upper middle). Among 60 scored counties in New York, Tioga County scores highest, at 63 (upper middle). Scores compare each market with others of its kind across the U.S.

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. New York scores 28 for insurance agencies (lower middle), #44 of the 50 states and DC.

How can I see the market around a specific site?

Run a Groundwork site report on an address in New York. 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.

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