Auto · County · Oklahoma
Insurance agencies in Payne County, OK
The insurance agencies in Payne County, OK, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 42 out of 100: Lower middle
Ranked #1,412 of 2,272 scored counties
#39 of 55 scored counties in Oklahoma
- Listings
- 77
- 15 chain locations (19%)
- Official establishments
- 34
- −12.8% since 2019
- Household spending a year
- $77.3M
- On vehicle insurance · $2,370 a household
- Spending per listing
- $1M
- 20% below the U.S.
- Listings per 10k households
- 23.6
- 51% above the U.S.
- Population, 2025
- 83,889
- +2.8% since 2020
See the insurance agencies around any address in Payne 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 Payne 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 77 insurance agencies in Payne County. 15 of them (19%) are chain locations, against 21% across the U.S. That is 23.6 per 10,000 households, 51% above the U.S. rate of 15.6.
At $2,370 per household (21% above the U.S. average), households in Payne County spend about $77.3M a year on vehicle insurance. That works out to $1M per agency, 20% below the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Payne County was 34 in 2023, down 12.8% from 2019. That is one for every 959 households, against one for every 966 across the U.S.
Population estimates show Payne County grew 2.8% from 2020 to 2025, in step with the U.S. (+3.1%). The Groundwork market score for insurance agencies in Payne County is 42 (lower middle), #1,412 of 2,272 scored counties and #39 of 55 scored counties in Oklahoma.
How Payne County compares
The same measures for Oklahoma 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 | Payne County | Oklahoma | U.S. |
|---|---|---|---|
| Listings per 10k households | 23.6 | 21.2 | 15.6 |
| Spending per listing | $1M | $1.2M | $1.3M |
| Households per official establishment | 959 | 713 | 966 |
| Official establishment growth, 2019–2023 | −12.8% | −1.3% | −1.0% |
| Population growth, 2020–2025 | +2.8% | +4.0% | +3.1% |
| Spending per household on vehicle insurance | $2,370 | $2,526 | $1,957 |
| Median household income | $49,809 | $65,039 | $80,734 |
| Groundwork market score | 42 | 50 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 39 → 34−12.8% over the period
- Employees, 2023
- 130
- Annual payroll, 2023
- $6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 7715 chain locations
- Listings at the U.S. rate for this spending
- 62The 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 Payne 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 Payne County
- Population, 2025 estimate
- 83,889+2.8% since 2020
- Households
- 32,609
- Median age
- 32.9
- Homes lived in by their owners
- 51%
- Vehicles per household
- 1.8
- Land area
- 685 sq. mi.
- People per square mile
- 121
- Median household income
- $49,809+19.7% vs. 2015–2019, before inflation
- Average household income
- $75,380
- Median home value
- $223,300
- Jobs located here
- 35,589
- Daytime population
- 83,345Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Payne 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 Payne 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 Oklahoma
Every Oklahoma market ranked →The highest-scoring counties in Oklahoma for insurance agencies, numbered among those based in Oklahoma, with Payne County marked.
Top counties in Oklahoma
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Wagoner County, OK | 84 | 37 | 11.8 | $2.5M | +14.6% | #147 of 2,272 |
| 2Osage County, OK | 83 | 21 | 12.1 | $2.4M | +2.2% | #169 of 2,272 |
| 3Logan County, OK | 79 | 15 | 8.4 | $3.6M | +11.5% | #234 of 2,272 |
| 4Cherokee County, OK | 79 | 22 | 11.8 | $2.1M | +4.5% | #250 of 2,272 |
| 5Grady County, OK | 78 | 23 | 11.1 | $2.5M | +7.7% | #266 of 2,272 |
| 6Sequoyah County, OK | 78 | 19 | 12.3 | $2.1M | +4.1% | #273 of 2,272 |
| 7Adair County, OK | 77 | 8 | 11.2 | $2.3M | +2.0% | #294 of 2,272 |
| 8Rogers County, OK | 76 | 38 | 10.4 | $2.8M | +7.1% | #309 of 2,272 |
| 9Creek County, OK | 70 | 43 | 15.2 | $1.7M | +4.4% | #481 of 2,272 |
| 10Delaware County, OK | 67 | 24 | 14.0 | $1.9M | +3.8% | #563 of 2,272 |
| 39Payne County, OK | 42 | 77 | 23.6 | $1M | +2.8% | #1,412 of 2,272 |
Other business types in Payne 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 Payne County, OK?
Payne County has 77 insurance agencies on map listings as of September 2026. 15 of them (19%) are chain locations. The listings count insurance agencies. Official counts show 34 businesses with payroll classed as insurance agencies and brokerages in 2023, down 12.8% from 2019.
How much do households in Payne County, OK spend on vehicle insurance?
About $77.3M a year, or $2,370 per household. That is 21% above the U.S. average (an index of 121, where 100 is the U.S. average). Spread across the 77 insurance agencies on map listings, it comes to $1M per agency. It is estimated from the incomes of the 32,609 households in Payne County and national spending patterns by income.
How does Payne County, OK compare with the U.S. for insurance agencies?
Payne County has 23.6 insurance agencies per 10,000 households, 51% above the U.S. rate of 15.6. Spending per agency is $1M, 20% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Payne County would have about 62, against 77 on map listings. There is one business with payroll in the industry for every 959 households, against one for every 966 across the U.S. The official count fell 12.8% from 2019 to 2023, against −1.0% for the U.S.
How fast is Payne County, OK growing?
Population estimates put Payne County at 83,889 people in 2025, up 2.8% since 2020, in step with the U.S. (+3.1%). It has 32,609 households. The median household income in Payne County is $49,809 a year, 38% below the U.S. median of $80,734. That rose 19.7% 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. Payne County scores 42 for insurance agencies (lower middle), #1,412 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Payne 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 Payne County
Screening a site or an acquisition in Payne 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 Payne 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.