Auto · County · New York
Insurance agencies in Tioga County, NY
The insurance agencies in Tioga County, NY, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 63 out of 100: Upper middle
Ranked #677 of 2,272 scored counties
#1 of 60 scored counties in New York
- Listings
- 10
- 2 chain locations (20%)
- Official establishments
- 8
- Businesses with payroll, 2023
- Household spending a year
- $33M
- On vehicle insurance · $1,621 a household
- Spending per listing
- $3.3M
- 2.6 times the U.S.
- Listings per 10k households
- 4.9
- 69% below the U.S.
- Population, 2025
- 47,453
- −1.9% since 2020
See the insurance agencies around any address in Tioga 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 Tioga 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
As of September 2026, map listings count 10 insurance agencies in Tioga County. Of those, 2 are chain locations, or 20%, against 21% across the U.S. That is 4.9 per 10,000 households, 69% below the U.S. rate of 15.6.
At $1,621 per household (17% below the U.S. average), households in Tioga County spend about $33M a year on vehicle insurance. Spread across 10 insurance agencies, that is $3.3M per agency, 2.6 times the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Tioga County was 8 in 2023. That is one for every 2,543 households, against one for every 966 across the U.S.
Between 2020 and 2025, the population of Tioga County declined 1.9%, against +3.1% for the U.S. The Groundwork market score for insurance agencies in Tioga County is 63 (upper middle), #677 of 2,272 scored counties and #1 of 60 scored counties in New York.
How Tioga 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 | Tioga County | New York | U.S. |
|---|---|---|---|
| Listings per 10k households | 4.9 | 10.7 | 15.6 |
| Spending per listing | $3.3M | $1.1M | $1.3M |
| Households per official establishment | 2,543 | 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 | $1,621 | $1,132 | $1,957 |
| Median household income | $72,739 | $85,974 | $80,734 |
| Groundwork market score | 63 | 28 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 9 → 8
- Employees, 2023
- 30
- Annual payroll, 2023
- $974K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 102 chain locations
- Listings at the U.S. rate for this spending
- 26The 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 Tioga 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 Tioga County
- Population, 2025 estimate
- 47,453−1.9% since 2020
- Households
- 20,347
- Median age
- 44.5
- Homes lived in by their owners
- 79%
- Vehicles per household
- 1.8
- Land area
- 519 sq. mi.
- People per square mile
- 92
- Median household income
- $72,739+15.5% vs. 2015–2019, before inflation
- Average household income
- $97,660
- Median home value
- $160,800
- Jobs located here
- 12,724
- Daytime population
- 39,149Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Tioga 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 Tioga 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 Tioga 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 |
Other business types in Tioga 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 Tioga County, NY?
Tioga County has 10 insurance agencies on map listings as of September 2026. 2 of them (20%) are chain locations. The listings count insurance agencies. Official counts show 8 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Tioga County, NY spend on vehicle insurance?
About $33M a year, or $1,621 per household. That is 17% below the U.S. average (an index of 83, where 100 is the U.S. average). Spread across the 10 insurance agencies on map listings, it comes to $3.3M per agency. It is estimated from the incomes of the 20,347 households in Tioga County and national spending patterns by income.
How does Tioga County, NY compare with the U.S. for insurance agencies?
Tioga County has 4.9 insurance agencies per 10,000 households, 69% below the U.S. rate of 15.6. Spending per agency is $3.3M, 2.6 times the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Tioga County would have about 26, against 10 on map listings. There is one business with payroll in the industry for every 2,543 households, against one for every 966 across the U.S.
How fast is Tioga County, NY growing?
Population estimates put Tioga County at 47,453 people in 2025, down 1.9% since 2020, against +3.1% for the U.S. It has 20,347 households. The median household income in Tioga County is $72,739 a year, 10% below the U.S. median of $80,734. That rose 15.5% 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. Tioga County scores 63 for insurance agencies (upper middle), #677 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Tioga 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 Tioga County
Screening a site or an acquisition in Tioga 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 Tioga 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.