Auto · County · Pennsylvania
Insurance agencies in Tioga County, PA
How Tioga County, PA 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 51 out of 100: Upper middle
Ranked #1,074 of 2,272 scored counties
#16 of 64 scored counties in Pennsylvania
- Listings
- 18
- 7 chain locations (39%)
- Official establishments
- 7
- Businesses with payroll, 2023
- Household spending a year
- $28.1M
- On vehicle insurance · $1,685 a household
- Spending per listing
- $1.6M
- 24% above the U.S.
- Listings per 10k households
- 10.8
- 31% below the U.S.
- Population, 2025
- 40,502
- −1.3% 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 18 insurance agencies in Tioga County. Of those, 7 are chain locations, or 39%, against 21% across the U.S. Per 10,000 households, that is 10.8, 31% below the U.S. rate of 15.6.
At $1,685 per household (14% below the U.S. average), households in Tioga County spend about $28.1M a year on vehicle insurance. That works out to $1.6M per agency, 24% above the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Tioga County was 7 in 2023. That is one for every 2,384 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $10K has gone to businesses classed as insurance agencies and brokerages in Tioga County.
Population estimates show Tioga County declined 1.3% from 2020 to 2025, against +3.1% for the U.S. Tioga County scores 51 (upper middle) on the Groundwork market score for insurance agencies, ranking #1,074 of 2,272 scored counties and #16 of 64 scored counties in Pennsylvania.
How Tioga 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 | Tioga County | Pennsylvania | U.S. |
|---|---|---|---|
| Listings per 10k households | 10.8 | 13.4 | 15.6 |
| Spending per listing | $1.6M | $1.1M | $1.3M |
| Households per official establishment | 2,384 | 1,105 | 966 |
| Official establishment growth, 2019–2023 | n/a | −5.1% | −1.0% |
| Population growth, 2020–2025 | −1.3% | +0.5% | +3.1% |
| Spending per household on vehicle insurance | $1,685 | $1,514 | $1,957 |
| Median household income | $64,899 | $77,971 | $80,734 |
| Groundwork market score | 51 | 31 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 10 → 7
- Employees, 2023
- 22
- Annual payroll, 2023
- $1.4M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 187 chain locations
- Listings at the U.S. rate for this spending
- 22The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $10K
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
- 40,502−1.3% since 2020
- Households
- 16,687
- Median age
- 45.1
- Homes lived in by their owners
- 77%
- Vehicles per household
- 1.9
- Land area
- 1,134 sq. mi.
- People per square mile
- 36
- Median household income
- $64,899+26.5% vs. 2015–2019, before inflation
- Average household income
- $81,543
- Median home value
- $181,100
- Jobs located here
- 12,172
- Daytime population
- 36,724Residents 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 Pennsylvania
Every Pennsylvania market ranked →The highest-scoring counties in Pennsylvania for insurance agencies, numbered among those based in Pennsylvania, with Tioga 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 |
| 16Tioga County, PA | 51 | 18 | 10.8 | $1.6M | −1.3% | #1,074 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, PA?
Tioga County has 18 insurance agencies on map listings as of September 2026. 7 of them (39%) are chain locations. The listings count insurance agencies. Official counts show 7 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Tioga County, PA spend on vehicle insurance?
About $28.1M a year, or $1,685 per household. That is 14% below the U.S. average (an index of 86, where 100 is the U.S. average). Spread across the 18 insurance agencies on map listings, it comes to $1.6M per agency. It is estimated from the incomes of the 16,687 households in Tioga County and national spending patterns by income.
How does Tioga County, PA compare with the U.S. for insurance agencies?
Tioga County has 10.8 insurance agencies per 10,000 households, 31% below the U.S. rate of 15.6. Spending per agency is $1.6M, 24% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Tioga County would have about 22, against 18 on map listings. There is one business with payroll in the industry for every 2,384 households, against one for every 966 across the U.S.
How fast is Tioga County, PA growing?
Population estimates put Tioga County at 40,502 people in 2025, down 1.3% since 2020, against +3.1% for the U.S. It has 16,687 households. The median household income in Tioga County is $64,899 a year, 20% below the U.S. median of $80,734. That rose 26.5% 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 51 for insurance agencies (upper middle), #1,074 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.