Auto · County · New York
Insurance agencies in Cortland County, NY
The insurance agencies in Cortland County, NY, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 30 out of 100: Lower middle
Ranked #1,795 of 2,272 scored counties
#48 of 60 scored counties in New York
- Listings
- 23
- 4 chain locations (17%)
- Official establishments
- 18
- Businesses with payroll, 2023
- Household spending a year
- $29.6M
- On vehicle insurance · $1,557 a household
- Spending per listing
- $1.3M
- 2% above the U.S.
- Listings per 10k households
- 12.1
- 22% below the U.S.
- Population, 2025
- 45,850
- −1.9% since 2020
See the insurance agencies around any address in Cortland 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 Cortland 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, Cortland County has a Groundwork market score of 30 (lower middle): #1,795 of 2,272 scored counties and #48 of 60 scored counties in New York. That puts it in the bottom quarter of counties.
Households in Cortland County spend about $29.6M a year on vehicle insurance, or $1,557 per household, 20% below the U.S. average. That works out to $1.3M per agency, 2% above the U.S. figure of $1.3M.
There are 23 insurance agencies on map listings in Cortland County as of September 2026. Of those, 4 are chain locations, or 17%, against 21% across the U.S. That is 12.1 per 10,000 households, 22% below the U.S. rate of 15.6.
Official counts show 18 businesses with payroll classed as insurance agencies and brokerages in Cortland County in 2023. That is one for every 1,056 households, against one for every 966 across the U.S. Population estimates show Cortland County declined 1.9% from 2020 to 2025, against +3.1% for the U.S.
How Cortland County compares
The same measures for New York 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 | Cortland County | New York | U.S. |
|---|---|---|---|
| Listings per 10k households | 12.1 | 10.7 | 15.6 |
| Spending per listing | $1.3M | $1.1M | $1.3M |
| Households per official establishment | 1,056 | 1,216 | 966 |
| Official establishment growth, 2019–2023 | n/a | −4.7% | −1.0% |
| Population growth, 2020–2025 | −1.9% | −0.6% | +3.1% |
| Spending per household on vehicle insurance | $1,557 | $1,132 | $1,957 |
| Median household income | $70,418 | $85,974 | $80,734 |
| Groundwork market score | 30 | 28 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 18 → 18
- Employees, 2023
- 266
- Annual payroll, 2023
- $21.3M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 234 chain locations
- Listings at the U.S. rate for this spending
- 24The 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 Cortland 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 Cortland County
- Population, 2025 estimate
- 45,850−1.9% since 2020
- Households
- 18,999
- Median age
- 39.1
- Homes lived in by their owners
- 66%
- Vehicles per household
- 1.7
- Land area
- 499 sq. mi.
- People per square mile
- 93
- Median household income
- $70,418+25.7% vs. 2015–2019, before inflation
- Average household income
- $85,337
- Median home value
- $162,100
- Jobs located here
- 17,001
- Daytime population
- 43,892Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Cortland 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 Cortland 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 New York
Every New York market ranked →The highest-scoring counties in New York for insurance agencies, numbered among those based in New York, with Cortland County marked.
Top counties in New York
| 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 |
| 48Cortland County, NY | 30 | 23 | 12.1 | $1.3M | −1.9% | #1,795 of 2,272 |
Other business types in Cortland 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 Cortland County, NY?
As of September 2026, map listings count 23 insurance agencies in Cortland County. 4 of them (17%) are chain locations. The listings count insurance agencies. Official counts show 18 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Cortland County, NY spend on vehicle insurance?
About $29.6M a year, or $1,557 per household. That is 20% below the U.S. average (an index of 80, where 100 is the U.S. average). Spread across the 23 insurance agencies on map listings, it comes to $1.3M per agency. It is estimated from the incomes of the 18,999 households in Cortland County and national spending patterns by income.
How does Cortland County, NY compare with the U.S. for insurance agencies?
Cortland County has 12.1 insurance agencies per 10,000 households, 22% below the U.S. rate of 15.6. Spending per agency is $1.3M, 2% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Cortland County would have about 24, against 23 on map listings. There is one business with payroll in the industry for every 1,056 households, against one for every 966 across the U.S.
How fast is Cortland County, NY growing?
Population estimates put Cortland County at 45,850 people in 2025, down 1.9% since 2020, against +3.1% for the U.S. It has 18,999 households. Median household income in Cortland County is $70,418, 13% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 25.7%, 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. Cortland County scores 30 for insurance agencies (lower middle), #1,795 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Cortland 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 Cortland County
Screening a site or an acquisition in Cortland 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 Cortland 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.