Auto · Small-town market · Ohio
Insurance agencies in the Fremont, OH area
The insurance agencies in the Fremont, OH area, the household spending behind them and how the market ranks against other small-town markets.
Groundwork market score · out of 100
Score 36 out of 100: Lower middle
Ranked #392 of 537 scored small-town markets
#24 of 29 scored small-town markets based in Ohio
- Listings
- 43
- 12 chain locations (28%)
- Official establishments
- 18
- −18.2% since 2019
- Household spending a year
- $41.5M
- On vehicle insurance · $1,683 a household
- Spending per listing
- $966K
- 23% below the U.S.
- Listings per 10k households
- 17.4
- 12% above the U.S.
- Population, 2025
- 58,655
- −0.4% since 2020
See the insurance agencies around any address in the Fremont area
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 the Fremont area. 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 43 insurance agencies in the Fremont area. 12 of them (28%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 17.4, 12% above the U.S. rate of 15.6.
Households in the Fremont area spend about $41.5M a year on vehicle insurance, or $1,683 per household, 14% below the U.S. average. That is about $966K of household spending for each agency on map listings, 23% below the U.S. figure of $1.3M.
In 2023, official counts showed 18 businesses with payroll in the Fremont area classed as insurance agencies and brokerages, down 18.2% from 2019. That is one for every 1,371 households, against one for every 966 across the U.S.
Population estimates put the population change in the Fremont area from 2020 to 2025 at −0.4%, against +3.1% for the U.S. The Fremont area scores 36 (lower middle) on the Groundwork market score for insurance agencies, ranking #392 of 537 scored small-town markets and #24 of 29 scored small-town markets based in Ohio.
How the Fremont area compares
The same measures for Ohio 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 | Fremont area | Ohio | U.S. |
|---|---|---|---|
| Listings per 10k households | 17.4 | 14.2 | 15.6 |
| Spending per listing | $966K | $1.1M | $1.3M |
| Households per official establishment | 1,371 | 1,110 | 966 |
| Official establishment growth, 2019–2023 | −18.2% | −6.8% | −1.0% |
| Population growth, 2020–2025 | −0.4% | +0.9% | +3.1% |
| Spending per household on vehicle insurance | $1,683 | $1,579 | $1,957 |
| Median household income | $62,295 | $71,389 | $80,734 |
| Groundwork market score | 36 | 34 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 18−18.2% over the period
- Employees, 2023
- 78
- Annual payroll, 2023
- $5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 4312 chain locations
- Listings at the U.S. rate for this spending
- 33The 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 the Fremont area, 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 the Fremont area
- Population, 2025 estimate
- 58,655−0.4% since 2020
- Households
- 24,686
- Median age
- 43.0
- Homes lived in by their owners
- 73%
- Vehicles per household
- 1.9
- Land area
- 408 sq. mi.
- People per square mile
- 144
- Median household income
- $62,295+15.2% vs. 2015–2019, before inflation
- Average household income
- $81,613
- Median home value
- $160,700
- Jobs located here
- 26,036
- Daytime population
- 55,882Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Fremont area?
These figures cover the whole small-town market. 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 the Fremont area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardInsurance agencies across Ohio
Every Ohio market ranked →The highest-scoring small-town markets in Ohio for insurance agencies, numbered among those based in Ohio, with the Fremont area marked.
Top small-town markets in Ohio
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Urbana, OH | 68 | 16 | 10.2 | $1.8M | +0.2% | #121 of 537 |
| 2Coshocton, OH | 63 | 14 | 9.5 | $1.8M | +1.6% | #156 of 537 |
| 3Cambridge, OH | 61 | 14 | 8.6 | $2M | −0.1% | #173 of 537 |
| 4Bellefontaine, OH | 61 | 19 | 9.7 | $1.8M | +0.4% | #175 of 537 |
| 5Wilmington, OH | 61 | 21 | 12.5 | $1.4M | +0.6% | #183 of 537 |
| 6Mount Vernon, OH | 58 | 30 | 12.8 | $1.4M | +1.9% | #202 of 537 |
| 7Portsmouth, OH | 50 | 29 | 10.0 | $1.6M | −3.4% | #263 of 537 |
| 8Chillicothe, OH | 50 | 33 | 11.1 | $1.6M | −0.8% | #265 of 537 |
| 9Norwalk, OH | 48 | 29 | 12.3 | $1.4M | −0.4% | #279 of 537 |
| 10New Philadelphia-Dover, OH | 48 | 46 | 12.0 | $1.4M | −0.9% | #280 of 537 |
| 24Fremont, OH | 36 | 43 | 17.4 | $966K | −0.4% | #392 of 537 |
Other business types in the Fremont area
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 the Fremont, OH area?
There are 43 insurance agencies on map listings in the Fremont area as of September 2026. 12 of them (28%) are chain locations. The listings count insurance agencies. Official counts show 18 businesses with payroll classed as insurance agencies and brokerages in 2023, down 18.2% from 2019.
How much do households in the Fremont, OH area spend on vehicle insurance?
About $41.5M a year, or $1,683 per household. That is 14% below the U.S. average (an index of 86, where 100 is the U.S. average). Spread across the 43 insurance agencies on map listings, it comes to $966K per agency. It is estimated from the incomes of the 24,686 households in the Fremont area and national spending patterns by income.
How does the Fremont, OH area compare with the U.S. for insurance agencies?
The Fremont area has 17.4 insurance agencies per 10,000 households, 12% above the U.S. rate of 15.6. Spending per agency is $966K, 23% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Fremont area would have about 33, against 43 on map listings. There is one business with payroll in the industry for every 1,371 households, against one for every 966 across the U.S. The official count fell 18.2% from 2019 to 2023, against −1.0% for the U.S.
How fast is the Fremont, OH area growing?
Population estimates put the Fremont area at 58,655 people in 2025, down 0.4% since 2020, against +3.1% for the U.S. It has 24,686 households. The median household income in the Fremont area is $62,295 a year, 23% below the U.S. median of $80,734. That rose 15.2% 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. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. 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. The Fremont area scores 36 for insurance agencies (lower middle), #392 of 537 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Fremont area. 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 the Fremont area
Screening a site or an acquisition in the Fremont area?
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 the Fremont area. 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.