Auto · County · New York
Insurance agencies in Oswego County, NY
How Oswego County, NY compares with other counties and the U.S. for insurance agencies: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 55 out of 100: Upper middle
Ranked #940 of 2,272 scored counties
#11 of 60 scored counties in New York
- Listings
- 37
- 6 chain locations (16%)
- Official establishments
- 33
- −8.3% since 2019
- Household spending a year
- $74.3M
- On vehicle insurance · $1,572 a household
- Spending per listing
- $2M
- 60% above the U.S.
- Listings per 10k households
- 7.8
- 50% below the U.S.
- Population, 2025
- 118,569
- +1.0% since 2020
See the insurance agencies around any address in Oswego 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 Oswego 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
Map listings as of September 2026 show 37 insurance agencies in Oswego County. Of those, 6 are chain locations, or 16%, 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.
Households in Oswego County spend about $74.3M a year on vehicle insurance, or $1,572 per household, 20% below the U.S. average. Spread across 37 insurance agencies, that is $2M per agency, 60% above the U.S. figure of $1.3M.
Official counts show 33 businesses with payroll classed as insurance agencies and brokerages in Oswego County in 2023, down 8.3% from 2019. That is one for every 1,431 households, against one for every 966 across the U.S.
Population estimates show Oswego County grew 1.0% from 2020 to 2025, slower than the U.S. (+3.1%). The Groundwork market score for insurance agencies in Oswego County is 55 (upper middle), #940 of 2,272 scored counties and #11 of 60 scored counties in New York.
How Oswego 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 | Oswego County | New York | U.S. |
|---|---|---|---|
| Listings per 10k households | 7.8 | 10.7 | 15.6 |
| Spending per listing | $2M | $1.1M | $1.3M |
| Households per official establishment | 1,431 | 1,216 | 966 |
| Official establishment growth, 2019–2023 | −8.3% | −4.7% | −1.0% |
| Population growth, 2020–2025 | +1.0% | −0.6% | +3.1% |
| Spending per household on vehicle insurance | $1,572 | $1,132 | $1,957 |
| Median household income | $69,183 | $85,974 | $80,734 |
| Groundwork market score | 55 | 28 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 36 → 33−8.3% over the period
- Employees, 2023
- 176
- Annual payroll, 2023
- $9.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 376 chain locations
- Listings at the U.S. rate for this spending
- 59The 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 Oswego 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 Oswego County
- Population, 2025 estimate
- 118,569+1.0% since 2020
- Households
- 47,239
- Median age
- 41.4
- Homes lived in by their owners
- 73%
- Vehicles per household
- 1.7
- Land area
- 952 sq. mi.
- People per square mile
- 124
- Median household income
- $69,183+23.6% vs. 2015–2019, before inflation
- Average household income
- $89,184
- Median home value
- $151,700
- Jobs located here
- 32,047
- Daytime population
- 98,594Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Oswego 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 Oswego 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 Oswego 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 |
| 11Oswego County, NY | 55 | 37 | 7.8 | $2M | +1.0% | #940 of 2,272 |
Other business types in Oswego 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 Oswego County, NY?
There are 37 insurance agencies on map listings in Oswego County as of September 2026. 6 of them (16%) are chain locations. The listings count insurance agencies. Official counts show 33 businesses with payroll classed as insurance agencies and brokerages in 2023, down 8.3% from 2019.
How much do households in Oswego County, NY spend on vehicle insurance?
About $74.3M a year, or $1,572 per household. That is 20% below the U.S. average (an index of 80, where 100 is the U.S. average). Spread across the 37 insurance agencies on map listings, it comes to $2M per agency. It is estimated from the incomes of the 47,239 households in Oswego County and national spending patterns by income.
How does Oswego County, NY compare with the U.S. for insurance agencies?
Oswego County has 7.8 insurance agencies per 10,000 households, 50% below the U.S. rate of 15.6. Spending per agency is $2M, 60% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Oswego County would have about 59, against 37 on map listings. There is one business with payroll in the industry for every 1,431 households, against one for every 966 across the U.S. The official count fell 8.3% from 2019 to 2023, against −1.0% for the U.S.
How fast is Oswego County, NY growing?
Population estimates put Oswego County at 118,569 people in 2025, up 1.0% since 2020, slower than the U.S. (+3.1%). It has 47,239 households. The median household income in Oswego County is $69,183 a year, 14% below the U.S. median of $80,734. That rose 23.6% 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. Oswego County scores 55 for insurance agencies (upper middle), #940 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Oswego 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 Oswego County
Screening a site or an acquisition in Oswego 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 Oswego 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.