Auto · County · Colorado
Insurance agencies in Lincoln County, CO
How Lincoln County, CO compares with other counties and the U.S. for insurance agencies: competitors, household spending, official counts and growth.
Groundwork market score
Not scored
Counties under 10,000 people aren’t scored, since a few businesses can swing their figures.
- Listings
- 3
- 0 chain locations (0%)
- Official establishments
- 4
- Businesses with payroll, 2023
- Household spending a year
- $4.4M
- On vehicle insurance · $2,237 a household
- Spending per listing
- $1.5M
- 17% above the U.S.
- Listings per 10k households
- 15.2
- 3% below the U.S.
- Population, 2025
- 5,645
- −0.4% since 2020
See the insurance agencies around any address in Lincoln 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 Lincoln 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 $2,237 per household (14% above the U.S. average), households in Lincoln County spend about $4.4M a year on vehicle insurance. That works out to $1.5M per agency, 17% above the U.S. figure of $1.3M.
Lincoln County has 3 insurance agencies on map listings as of September 2026. That comes to 15.2 for every 10,000 households, 3% below the U.S. rate of 15.6.
The official count of businesses with payroll classed as insurance agencies and brokerages in Lincoln County was 4 in 2023. That is one for every 493 households, against one for every 966 across the U.S.
Population estimates put the population change in Lincoln County from 2020 to 2025 at −0.4%, against +3.1% for the U.S. Counties under 10,000 people aren’t given a market score, since a few businesses can swing their figures.
How Lincoln County compares
The same measures for Colorado 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 | Lincoln County | Colorado | U.S. |
|---|---|---|---|
| Listings per 10k households | 15.2 | 19.2 | 15.6 |
| Spending per listing | $1.5M | $1M | $1.3M |
| Households per official establishment | 493 | 760 | 966 |
| Official establishment growth, 2019–2023 | n/a | −1.0% | −1.0% |
| Population growth, 2020–2025 | −0.4% | +3.9% | +3.1% |
| Spending per household on vehicle insurance | $2,237 | $1,936 | $1,957 |
| Median household income | $62,861 | $95,470 | $80,734 |
| Groundwork market score | Not scored | 38 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 3 → 4
- Employees, 2023
- 27
- Annual payroll, 2023
- $1.3M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 30 chain locations
- Listings at the U.S. rate for this spending
- 4The 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 Lincoln 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 Lincoln County
- Population, 2025 estimate
- 5,645−0.4% since 2020
- Households
- 1,971
- Median age
- 43.1
- Homes lived in by their owners
- 72%
- Vehicles per household
- 2.3
- Land area
- 2,578 sq. mi.
- People per square mile
- 2
- Median household income
- $62,861
- Average household income
- $76,917
- Median home value
- $246,500
- Jobs located here
- 2,000
- Daytime population
- 5,237Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Lincoln 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 Lincoln 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 Colorado
Every Colorado market ranked →The highest-scoring counties in Colorado for insurance agencies, numbered among those based in Colorado, with Lincoln County marked.
Top counties in Colorado
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Park County, CO | 86 | 6 | 6.7 | $3.6M | +5.1% | #110 of 2,272 |
| 2Grand County, CO | 76 | 5 | 6.7 | $3.3M | +4.8% | #306 of 2,272 |
| 3Elbert County, CO | 75 | 13 | 13.0 | $2.2M | +16.5% | #337 of 2,272 |
| 4Gunnison County, CO | 64 | 6 | 7.1 | $2.9M | +2.9% | #640 of 2,272 |
| 5Weld County, CO | 59 | 178 | 14.3 | $1.5M | +14.2% | #815 of 2,272 |
| 6Routt County, CO | 55 | 10 | 8.9 | $2.3M | +2.0% | #938 of 2,272 |
| 7Fremont County, CO | 55 | 24 | 13.4 | $1.5M | +2.4% | #960 of 2,272 |
| 8Archuleta County, CO | 55 | 10 | 16.9 | $1.3M | +6.6% | #971 of 2,272 |
| 9Eagle County, CO | 52 | 22 | 10.0 | $2.1M | −2.4% | #1,033 of 2,272 |
| 10Delta County, CO | 49 | 19 | 14.7 | $1.4M | +3.6% | #1,141 of 2,272 |
| Lincoln County, CO | Not scored | 3 | 15.2 | $1.5M | −0.4% |
Other business types in Lincoln County
None has a Groundwork market score here. Counties under 10,000 people aren’t scored, since a few businesses can swing their figures.
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 Lincoln County, CO?
Map listings as of September 2026 show 3 insurance agencies in Lincoln County. The listings count insurance agencies. Official counts show 4 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Lincoln County, CO spend on vehicle insurance?
About $4.4M a year, or $2,237 per household. That is 14% above the U.S. average (an index of 114, where 100 is the U.S. average). Spread across the 3 insurance agencies on map listings, it comes to $1.5M per agency. It is estimated from the incomes of the 1,971 households in Lincoln County and national spending patterns by income.
How does Lincoln County, CO compare with the U.S. for insurance agencies?
Lincoln County has 15.2 insurance agencies per 10,000 households, 3% below the U.S. rate of 15.6. Spending per agency is $1.5M, 17% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Lincoln County would have about 4, against 3 on map listings. There is one business with payroll in the industry for every 493 households, against one for every 966 across the U.S.
How fast is Lincoln County, CO growing?
Population estimates put Lincoln County at 5,645 people in 2025, down 0.4% since 2020, against +3.1% for the U.S. It has 1,971 households. Median household income in Lincoln County is $62,861, 22% below the U.S. median of $80,734.
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. The score leaves out counties under 10,000 people, where a handful of businesses would swing it.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Lincoln 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 Lincoln County
Screening a site or an acquisition in Lincoln 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 Lincoln 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.