Auto · County · New York
Insurance agencies in Herkimer County, NY
Competitor counts, household spending and official business counts for insurance agencies in Herkimer County, NY, set against other counties and the U.S.
Groundwork market score · out of 100
Score 53 out of 100: Upper middle
Ranked #1,005 of 2,272 scored counties
#12 of 60 scored counties in New York
- Listings
- 20
- 4 chain locations (20%)
- Official establishments
- 13
- Businesses with payroll, 2023
- Household spending a year
- $38.9M
- On vehicle insurance · $1,511 a household
- Spending per listing
- $1.9M
- 55% above the U.S.
- Listings per 10k households
- 7.8
- 50% below the U.S.
- Population, 2025
- 59,219
- −1.4% since 2020
See the insurance agencies around any address in Herkimer 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 Herkimer 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
At $1,511 per household (23% below the U.S. average), households in Herkimer County spend about $38.9M a year on vehicle insurance. That works out to $1.9M per agency, 55% above the U.S. figure of $1.3M.
Herkimer County has 20 insurance agencies on map listings as of September 2026. 4 of them (20%) are chain locations, against 21% across the U.S. That comes to 7.8 for every 10,000 households, 50% below the U.S. rate of 15.6.
The official count of businesses with payroll classed as insurance agencies and brokerages in Herkimer County was 13 in 2023. That is one for every 1,980 households, against one for every 966 across the U.S.
Between 2020 and 2025, the population of Herkimer County declined 1.4%, against +3.1% for the U.S. The Groundwork market score for insurance agencies in Herkimer County is 53 (upper middle), #1,005 of 2,272 scored counties and #12 of 60 scored counties in New York.
How Herkimer 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 | Herkimer County | New York | U.S. |
|---|---|---|---|
| Listings per 10k households | 7.8 | 10.7 | 15.6 |
| Spending per listing | $1.9M | $1.1M | $1.3M |
| Households per official establishment | 1,980 | 1,216 | 966 |
| Official establishment growth, 2019–2023 | n/a | −4.7% | −1.0% |
| Population growth, 2020–2025 | −1.4% | −0.6% | +3.1% |
| Spending per household on vehicle insurance | $1,511 | $1,132 | $1,957 |
| Median household income | $68,515 | $85,974 | $80,734 |
| Groundwork market score | 53 | 28 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 13 → 13
- Employees, 2023
- 136
- Annual payroll, 2023
- $4.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 204 chain locations
- Listings at the U.S. rate for this spending
- 31The 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 Herkimer 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 Herkimer County
- Population, 2025 estimate
- 59,219−1.4% since 2020
- Households
- 25,741
- Median age
- 44.8
- Homes lived in by their owners
- 77%
- Vehicles per household
- 1.7
- Land area
- 1,411 sq. mi.
- People per square mile
- 42
- Median household income
- $68,515+25.4% vs. 2015–2019, before inflation
- Average household income
- $86,546
- Median home value
- $147,700
- Jobs located here
- 15,576
- Daytime population
- 47,951Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Herkimer 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 Herkimer 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 Herkimer 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 |
| 12Herkimer County, NY | 53 | 20 | 7.8 | $1.9M | −1.4% | #1,005 of 2,272 |
Other business types in Herkimer 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 Herkimer County, NY?
Map listings as of September 2026 show 20 insurance agencies in Herkimer County. 4 of them (20%) are chain locations. The listings count insurance agencies. Official counts show 13 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Herkimer County, NY spend on vehicle insurance?
About $38.9M a year, or $1,511 per household. That is 23% below the U.S. average (an index of 77, where 100 is the U.S. average). Spread across the 20 insurance agencies on map listings, it comes to $1.9M per agency. It is estimated from the incomes of the 25,741 households in Herkimer County and national spending patterns by income.
How does Herkimer County, NY compare with the U.S. for insurance agencies?
Herkimer County has 7.8 insurance agencies per 10,000 households, 50% below the U.S. rate of 15.6. Spending per agency is $1.9M, 55% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Herkimer County would have about 31, against 20 on map listings. There is one business with payroll in the industry for every 1,980 households, against one for every 966 across the U.S.
How fast is Herkimer County, NY growing?
Population estimates put Herkimer County at 59,219 people in 2025, down 1.4% since 2020, against +3.1% for the U.S. It has 25,741 households. Median household income in Herkimer County is $68,515, 15% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 25.4%, 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. Herkimer County scores 53 for insurance agencies (upper middle), #1,005 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Herkimer 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 Herkimer County
Screening a site or an acquisition in Herkimer 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 Herkimer 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.