Auto · County · Pennsylvania
Insurance agencies in Luzerne County, PA
Competitor counts, household spending and official business counts for insurance agencies in Luzerne County, PA, set against other counties and the U.S.
Groundwork market score · out of 100
Score 44 out of 100: Lower middle
Ranked #1,323 of 2,272 scored counties
#26 of 64 scored counties in Pennsylvania
- Listings
- 152
- 34 chain locations (22%)
- Official establishments
- 98
- −5.8% since 2019
- Household spending a year
- $201.2M
- On vehicle insurance · $1,490 a household
- Spending per listing
- $1.3M
- 5% above the U.S.
- Listings per 10k households
- 11.3
- 28% below the U.S.
- Population, 2025
- 332,126
- +2.1% since 2020
See the insurance agencies around any address in Luzerne 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 Luzerne 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
Households in Luzerne County spend about $201.2M a year on vehicle insurance, or $1,490 per household, 24% below the U.S. average. Spread across 152 insurance agencies, that is $1.3M per agency, 5% above the U.S. figure of $1.3M.
Luzerne County has 152 insurance agencies on map listings as of September 2026. 34 of them (22%) are chain locations, against 21% across the U.S. That comes to 11.3 for every 10,000 households, 28% below the U.S. rate of 15.6.
In 2023, official counts showed 98 businesses with payroll in Luzerne County classed as insurance agencies and brokerages, down 5.8% from 2019. That is one for every 1,378 households, against one for every 966 across the U.S. Since fiscal 2022, 3 SBA-backed loans worth $399K have gone to businesses classed as insurance agencies and brokerages in Luzerne County.
Population estimates put the population change in Luzerne County from 2020 to 2025 at +2.1%, slower than the U.S. (+3.1%). Luzerne County scores 44 (lower middle) on the Groundwork market score for insurance agencies, ranking #1,323 of 2,272 scored counties and #26 of 64 scored counties in Pennsylvania.
How Luzerne County compares
The same measures for Pennsylvania 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 | Luzerne County | Pennsylvania | U.S. |
|---|---|---|---|
| Listings per 10k households | 11.3 | 13.4 | 15.6 |
| Spending per listing | $1.3M | $1.1M | $1.3M |
| Households per official establishment | 1,378 | 1,105 | 966 |
| Official establishment growth, 2019–2023 | −5.8% | −5.1% | −1.0% |
| Population growth, 2020–2025 | +2.1% | +0.5% | +3.1% |
| Spending per household on vehicle insurance | $1,490 | $1,514 | $1,957 |
| Median household income | $63,691 | $77,971 | $80,734 |
| Groundwork market score | 44 | 31 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 104 → 98−5.8% over the period
- Employees, 2023
- 391
- Annual payroll, 2023
- $25.1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 15234 chain locations
- Listings at the U.S. rate for this spending
- 160The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 3
- Amount
- $399K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Luzerne 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 Luzerne County
- Population, 2025 estimate
- 332,126+2.1% since 2020
- Households
- 135,055
- Median age
- 42.5
- Homes lived in by their owners
- 68%
- Vehicles per household
- 1.7
- Land area
- 890 sq. mi.
- People per square mile
- 368
- Median household income
- $63,691+19.1% vs. 2015–2019, before inflation
- Average household income
- $86,455
- Median home value
- $174,100
- Jobs located here
- 146,183
- Daytime population
- 329,640Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Luzerne 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 Luzerne 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 Pennsylvania
Every Pennsylvania market ranked →The highest-scoring counties in Pennsylvania for insurance agencies, numbered among those based in Pennsylvania, with Luzerne County marked.
Top counties in Pennsylvania
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Adams County, PA | 80 | 23 | 5.6 | $3.4M | +3.6% | #218 of 2,272 |
| 2Pike County, PA | 71 | 17 | 7.0 | $2.4M | +7.2% | #428 of 2,272 |
| 3Perry County, PA | 66 | 17 | 9.3 | $2.1M | +2.1% | #587 of 2,272 |
| 4Fulton County, PA | 65 | 5 | 7.9 | $2.5M | −0.6% | #611 of 2,272 |
| 5Lebanon County, PA | 64 | 47 | 8.3 | $2M | +2.2% | #653 of 2,272 |
| 6Carbon County, PA | 64 | 24 | 8.8 | $1.9M | +1.7% | #656 of 2,272 |
| 7Franklin County, PA | 63 | 67 | 10.5 | $1.8M | +3.0% | #698 of 2,272 |
| 8York County, PA | 58 | 193 | 10.6 | $1.7M | +3.6% | #846 of 2,272 |
| 9Schuylkill County, PA | 57 | 53 | 9.1 | $1.8M | +1.5% | #870 of 2,272 |
| 10Juniata County, PA | 55 | 10 | 11.1 | $1.7M | −0.3% | #946 of 2,272 |
| 26Luzerne County, PA | 44 | 152 | 11.3 | $1.3M | +2.1% | #1,323 of 2,272 |
Other business types in Luzerne 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 Luzerne County, PA?
Map listings as of September 2026 show 152 insurance agencies in Luzerne County. 34 of them (22%) are chain locations. The listings count insurance agencies. Official counts show 98 businesses with payroll classed as insurance agencies and brokerages in 2023, down 5.8% from 2019.
How much do households in Luzerne County, PA spend on vehicle insurance?
About $201.2M a year, or $1,490 per household. That is 24% below the U.S. average (an index of 76, where 100 is the U.S. average). Spread across the 152 insurance agencies on map listings, it comes to $1.3M per agency. It is estimated from the incomes of the 135,055 households in Luzerne County and national spending patterns by income.
How does Luzerne County, PA compare with the U.S. for insurance agencies?
Luzerne County has 11.3 insurance agencies per 10,000 households, 28% below the U.S. rate of 15.6. Spending per agency is $1.3M, 5% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Luzerne County would have about 160, against 152 on map listings. There is one business with payroll in the industry for every 1,378 households, against one for every 966 across the U.S. The official count fell 5.8% from 2019 to 2023, against −1.0% for the U.S.
How fast is Luzerne County, PA growing?
Population estimates put Luzerne County at 332,126 people in 2025, up 2.1% since 2020, slower than the U.S. (+3.1%). It has 135,055 households. Median household income in Luzerne County is $63,691, 21% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 19.1%, 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. Luzerne County scores 44 for insurance agencies (lower middle), #1,323 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Luzerne 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 Luzerne County
Screening a site or an acquisition in Luzerne 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 Luzerne 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.