Auto · County · Virginia
Insurance agencies in James City County, VA
The insurance agencies in James City County, VA, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 76 out of 100: High
Ranked #319 of 2,272 scored counties
#40 of 97 scored counties in Virginia
- Listings
- 37
- 10 chain locations (27%)
- Official establishments
- 27
- −18.2% since 2019
- Household spending a year
- $83.7M
- On vehicle insurance · $2,618 a household
- Spending per listing
- $2.3M
- 80% above the U.S.
- Listings per 10k households
- 11.6
- 26% below the U.S.
- Population, 2025
- 83,326
- +6.2% since 2020
See the insurance agencies around any address in James City 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 James City 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
Household spending on vehicle insurance in James City County comes to about $83.7M a year: $2,618 per household, 34% above the U.S. average. Spread across 37 insurance agencies, that is $2.3M per agency, 80% above the U.S. figure of $1.3M.
There are 37 insurance agencies on map listings in James City County as of September 2026. 10 of them (27%) are chain locations, against 21% across the U.S. That is 11.6 per 10,000 households, 26% below the U.S. rate of 15.6.
Official counts show 27 businesses with payroll classed as insurance agencies and brokerages in James City County in 2023, down 18.2% from 2019. That is one for every 1,185 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $2.1M has gone to businesses classed as insurance agencies and brokerages in James City County.
Population estimates put the population change in James City County from 2020 to 2025 at +6.2%, faster than the U.S. (+3.1%). For insurance agencies, James City County has a Groundwork market score of 76 (high): #319 of 2,272 scored counties and #40 of 97 scored counties in Virginia. That puts it in the top quarter of counties.
How James City County compares
The same measures for Virginia 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 | James City County | Virginia | U.S. |
|---|---|---|---|
| Listings per 10k households | 11.6 | 12.5 | 15.6 |
| Spending per listing | $2.3M | $2M | $1.3M |
| Households per official establishment | 1,185 | 1,234 | 966 |
| Official establishment growth, 2019–2023 | −18.2% | −7.4% | −1.0% |
| Population growth, 2020–2025 | +6.2% | +2.8% | +3.1% |
| Spending per household on vehicle insurance | $2,618 | $2,545 | $1,957 |
| Median household income | $109,985 | $93,170 | $80,734 |
| Groundwork market score | 76 | 83 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 33 → 27−18.2% over the period
- Employees, 2023
- 111
- Annual payroll, 2023
- $6.8M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 3710 chain locations
- Listings at the U.S. rate for this spending
- 67The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $2.1M
SBA-backed loans to businesses classed as insurance agencies and brokerages in James City 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 James City County
- Population, 2025 estimate
- 83,326+6.2% since 2020
- Households
- 31,990
- Median age
- 48.1
- Homes lived in by their owners
- 77%
- Vehicles per household
- 2.0
- Land area
- 142 sq. mi.
- People per square mile
- 569
- Median household income
- $109,985+25.4% vs. 2015–2019, before inflation
- Average household income
- $135,336
- Median home value
- $447,200
- Jobs located here
- 27,780
- Daytime population
- 77,881Residents who don’t work, plus everyone whose job is here
Looking at a specific site in James City 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 James City 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 Virginia
Every Virginia market ranked →The highest-scoring counties in Virginia for insurance agencies, numbered among those based in Virginia, with James City County marked.
Top counties in Virginia
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Louisa County, VA | 98 | 10 | 6.4 | $5M | +13.6% | #1 of 2,272 |
| 2Stafford County, VA | 97 | 26 | 5.0 | $6.1M | +8.3% | #3 of 2,272 |
| 3King William County, VA | 97 | 6 | 8.2 | $3.9M | +9.5% | #5 of 2,272 |
| 4King George County, VA | 96 | 9 | 8.9 | $3.4M | +10.5% | #10 of 2,272 |
| 5Rockingham County, VA | 95 | 16 | 4.9 | $6.2M | +6.6% | #13 of 2,272 |
| 6Frederick County, VA | 95 | 22 | 6.2 | $4.7M | +8.8% | #15 of 2,272 |
| 7Orange County, VA | 95 | 11 | 7.4 | $4M | +10.1% | #17 of 2,272 |
| 8Spotsylvania County, VA | 95 | 44 | 8.4 | $3.6M | +10.5% | #19 of 2,272 |
| 9Dinwiddie County, VA | 94 | 6 | 5.6 | $5.8M | +3.6% | #22 of 2,272 |
| 10Caroline County, VA | 94 | 7 | 5.8 | $5.3M | +11.3% | #23 of 2,272 |
| 40James City County, VA | 76 | 37 | 11.6 | $2.3M | +6.2% | #319 of 2,272 |
Other business types in James City 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 James City County, VA?
As of September 2026, map listings count 37 insurance agencies in James City County. 10 of them (27%) are chain locations. The listings count insurance agencies. Official counts show 27 businesses with payroll classed as insurance agencies and brokerages in 2023, down 18.2% from 2019.
How much do households in James City County, VA spend on vehicle insurance?
About $83.7M a year, or $2,618 per household. That is 34% above the U.S. average (an index of 134, where 100 is the U.S. average). Spread across the 37 insurance agencies on map listings, it comes to $2.3M per agency. It is estimated from the incomes of the 31,990 households in James City County and national spending patterns by income.
How does James City County, VA compare with the U.S. for insurance agencies?
James City County has 11.6 insurance agencies per 10,000 households, 26% below the U.S. rate of 15.6. Spending per agency is $2.3M, 80% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, James City County would have about 67, against 37 on map listings. There is one business with payroll in the industry for every 1,185 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 James City County, VA growing?
Population estimates put James City County at 83,326 people in 2025, up 6.2% since 2020, faster than the U.S. (+3.1%). It has 31,990 households. Median household income in James City County is $109,985, 36% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 25.4%, 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. James City County scores 76 for insurance agencies (high), #319 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in James City 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 James City County
Screening a site or an acquisition in James City 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 James City 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.