Auto · County · Alabama
Insurance agencies in Cullman County, AL
How Cullman County, AL 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 73 out of 100: Upper middle
Ranked #401 of 2,272 scored counties
#21 of 54 scored counties in Alabama
- Listings
- 63
- 20 chain locations (32%)
- Official establishments
- 29
- +7.4% since 2019
- Household spending a year
- $104M
- On vehicle insurance · $2,942 a household
- Spending per listing
- $1.7M
- 31% above the U.S.
- Listings per 10k households
- 17.8
- 14% above the U.S.
- Population, 2025
- 94,009
- +6.7% since 2020
See the insurance agencies around any address in Cullman 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 Cullman 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
At $2,942 per household (50% above the U.S. average), households in Cullman County spend about $104M a year on vehicle insurance. That is about $1.7M of household spending for each agency on map listings, 31% above the U.S. figure of $1.3M.
There are 63 insurance agencies on map listings in Cullman County as of September 2026. 20 of them (32%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 17.8, 14% above the U.S. rate of 15.6.
In 2023, official counts showed 29 businesses with payroll in Cullman County classed as insurance agencies and brokerages, up 7.4% from 2019. That is one for every 1,219 households, against one for every 966 across the U.S. Since fiscal 2022, 3 SBA-backed loans worth $496K have gone to businesses classed as insurance agencies and brokerages in Cullman County.
Population estimates show Cullman County grew 6.7% from 2020 to 2025, faster than the U.S. (+3.1%). Cullman County scores 73 (upper middle) on the Groundwork market score for insurance agencies, ranking #401 of 2,272 scored counties and #21 of 54 scored counties in Alabama. That puts it in the top quarter of counties.
How Cullman County compares
The same measures for Alabama 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 | Cullman County | Alabama | U.S. |
|---|---|---|---|
| Listings per 10k households | 17.8 | 16.2 | 15.6 |
| Spending per listing | $1.7M | $1.6M | $1.3M |
| Households per official establishment | 1,219 | 1,150 | 966 |
| Official establishment growth, 2019–2023 | +7.4% | +1.4% | −1.0% |
| Population growth, 2020–2025 | +6.7% | +3.2% | +3.1% |
| Spending per household on vehicle insurance | $2,942 | $2,568 | $1,957 |
| Median household income | $62,656 | $63,999 | $80,734 |
| Groundwork market score | 73 | 74 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 27 → 29+7.4% over the period
- Employees, 2023
- 94
- Annual payroll, 2023
- $5.5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 6320 chain locations
- Listings at the U.S. rate for this spending
- 83The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 3
- Amount
- $496K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Cullman 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 Cullman County
- Population, 2025 estimate
- 94,009+6.7% since 2020
- Households
- 35,347
- Median age
- 41.2
- Homes lived in by their owners
- 77%
- Vehicles per household
- 2.2
- Land area
- 735 sq. mi.
- People per square mile
- 123
- Median household income
- $62,656+39.5% vs. 2015–2019, before inflation
- Average household income
- $82,606
- Median home value
- $199,100
- Jobs located here
- 31,045
- Daytime population
- 83,269Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Cullman 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 Cullman 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 Alabama
Every Alabama market ranked →The highest-scoring counties in Alabama for insurance agencies, numbered among those based in Alabama, with Cullman County marked.
Top counties in Alabama
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Chilton County, AL | 92 | 16 | 9.0 | $3.2M | +5.9% | #33 of 2,272 |
| 2St. Clair County, AL | 91 | 41 | 11.7 | $2.5M | +7.1% | #51 of 2,272 |
| 3Lawrence County, AL | 90 | 11 | 8.1 | $3.8M | +2.3% | #54 of 2,272 |
| 4Randolph County, AL | 90 | 7 | 7.6 | $3.7M | +4.8% | #55 of 2,272 |
| 5Elmore County, AL | 89 | 29 | 8.8 | $3.2M | +4.2% | #69 of 2,272 |
| 6Cherokee County, AL | 86 | 12 | 11.8 | $2.4M | +5.8% | #117 of 2,272 |
| 7Bibb County, AL | 85 | 5 | 6.5 | $4.4M | +0.4% | #122 of 2,272 |
| 8Blount County, AL | 85 | 24 | 10.8 | $2.7M | +1.8% | #131 of 2,272 |
| 9Limestone County, AL | 85 | 53 | 12.9 | $2.2M | +18.0% | #135 of 2,272 |
| 10Jackson County, AL | 84 | 24 | 11.0 | $2.5M | +3.3% | #146 of 2,272 |
| 21Cullman County, AL | 73 | 63 | 17.8 | $1.7M | +6.7% | #401 of 2,272 |
Other business types in Cullman 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 Cullman County, AL?
As of September 2026, map listings count 63 insurance agencies in Cullman County. 20 of them (32%) are chain locations. The listings count insurance agencies. Official counts show 29 businesses with payroll classed as insurance agencies and brokerages in 2023, up 7.4% from 2019.
How much do households in Cullman County, AL spend on vehicle insurance?
About $104M a year, or $2,942 per household. That is 50% above the U.S. average (an index of 150, where 100 is the U.S. average). Spread across the 63 insurance agencies on map listings, it comes to $1.7M per agency. It is estimated from the incomes of the 35,347 households in Cullman County and national spending patterns by income.
How does Cullman County, AL compare with the U.S. for insurance agencies?
Cullman County has 17.8 insurance agencies per 10,000 households, 14% above the U.S. rate of 15.6. Spending per agency is $1.7M, 31% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Cullman County would have about 83, against 63 on map listings. There is one business with payroll in the industry for every 1,219 households, against one for every 966 across the U.S. The official count rose 7.4% from 2019 to 2023, against −1.0% for the U.S.
How fast is Cullman County, AL growing?
Population estimates put Cullman County at 94,009 people in 2025, up 6.7% since 2020, faster than the U.S. (+3.1%). It has 35,347 households. Median household income in Cullman County is $62,656, 22% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 39.5%, 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. Cullman County scores 73 for insurance agencies (upper middle), #401 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Cullman 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 Cullman County
Screening a site or an acquisition in Cullman 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 Cullman 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.