Auto · County · Illinois
Insurance agencies in Effingham County, IL
Competitor counts, household spending and official business counts for insurance agencies in Effingham County, IL, set against other counties and the U.S.
Groundwork market score · out of 100
Score 13 out of 100: Low
Ranked #2,219 of 2,272 scored counties
#69 of 87 scored counties in Illinois
- Listings
- 39
- 6 chain locations (15%)
- Official establishments
- 29
- −9.4% since 2019
- Household spending a year
- $25.3M
- On vehicle insurance · $1,814 a household
- Spending per listing
- $649K
- 48% below the U.S.
- Listings per 10k households
- 28.0
- 79% above the U.S.
- Population, 2025
- 34,519
- −0.5% since 2020
See the insurance agencies around any address in Effingham 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 Effingham 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
Effingham County scores 13 (low) on the Groundwork market score for insurance agencies, ranking #2,219 of 2,272 scored counties and #69 of 87 scored counties in Illinois. That puts it in the bottom quarter of counties.
Map listings as of September 2026 show 39 insurance agencies in Effingham County. Chain locations make up 15% of them, against 21% across the U.S. Per 10,000 households, that is 28.0, 79% above the U.S. rate of 15.6.
Households in Effingham County spend about $25.3M a year on vehicle insurance, or $1,814 per household, 7% below the U.S. average. That is about $649K of household spending for each agency on map listings, 48% below the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Effingham County was 29 in 2023, down 9.4% from 2019. That is one for every 481 households, against one for every 966 across the U.S. Population estimates put the population change in Effingham County from 2020 to 2025 at −0.5%, against +3.1% for the U.S.
How Effingham County compares
The same measures for Illinois 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 | Effingham County | Illinois | U.S. |
|---|---|---|---|
| Listings per 10k households | 28.0 | 18.2 | 15.6 |
| Spending per listing | $649K | $795K | $1.3M |
| Households per official establishment | 481 | 887 | 966 |
| Official establishment growth, 2019–2023 | −9.4% | −7.0% | −1.0% |
| Population growth, 2020–2025 | −0.5% | −0.6% | +3.1% |
| Spending per household on vehicle insurance | $1,814 | $1,450 | $1,957 |
| Median household income | $80,404 | $83,390 | $80,734 |
| Groundwork market score | 13 | 11 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 32 → 29−9.4% over the period
- Employees, 2023
- 95
- Annual payroll, 2023
- $5.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 396 chain locations
- Listings at the U.S. rate for this spending
- 20The 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 Effingham 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 Effingham County
- Population, 2025 estimate
- 34,519−0.5% since 2020
- Households
- 13,951
- Median age
- 40.4
- Homes lived in by their owners
- 78%
- Vehicles per household
- 2.1
- Land area
- 479 sq. mi.
- People per square mile
- 72
- Median household income
- $80,404+41.8% vs. 2015–2019, before inflation
- Average household income
- $99,682
- Median home value
- $189,500
- Jobs located here
- 22,599
- Daytime population
- 39,935Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Effingham 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 Effingham 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 Illinois
Every Illinois market ranked →The highest-scoring counties in Illinois for insurance agencies, numbered among those based in Illinois, with Effingham County marked.
Top counties in Illinois
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Kendall County, IL | 59 | 56 | 12.3 | $1.5M | +9.9% | #816 of 2,272 |
| 2Boone County, IL | 48 | 21 | 10.8 | $1.7M | +0.4% | #1,169 of 2,272 |
| 3Will County, IL | 40 | 372 | 15.2 | $1.2M | +2.2% | #1,464 of 2,272 |
| 4DeKalb County, IL | 39 | 47 | 11.9 | $1.3M | +1.5% | #1,499 of 2,272 |
| 5Piatt County, IL | 36 | 10 | 14.4 | $1.3M | +0.6% | #1,598 of 2,272 |
| 6Mercer County, IL | 35 | 7 | 10.7 | $1.8M | −2.6% | #1,630 of 2,272 |
| 7Grundy County, IL | 35 | 35 | 17.0 | $1.1M | +2.9% | #1,654 of 2,272 |
| 8McHenry County, IL | 35 | 209 | 17.8 | $1M | +2.5% | #1,660 of 2,272 |
| 9Menard County, IL | 34 | 5 | 9.6 | $1.8M | −3.3% | #1,667 of 2,272 |
| 10Jo Daviess County, IL | 33 | 11 | 10.6 | $1.6M | −2.2% | #1,698 of 2,272 |
| 69Effingham County, IL | 13 | 39 | 28.0 | $649K | −0.5% | #2,219 of 2,272 |
Other business types in Effingham 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 Effingham County, IL?
There are 39 insurance agencies on map listings in Effingham County as of September 2026. 6 of them (15%) are chain locations. The listings count insurance agencies. Official counts show 29 businesses with payroll classed as insurance agencies and brokerages in 2023, down 9.4% from 2019.
How much do households in Effingham County, IL spend on vehicle insurance?
About $25.3M a year, or $1,814 per household. That is 7% below the U.S. average (an index of 93, where 100 is the U.S. average). Spread across the 39 insurance agencies on map listings, it comes to $649K per agency. It is estimated from the incomes of the 13,951 households in Effingham County and national spending patterns by income.
How does Effingham County, IL compare with the U.S. for insurance agencies?
Effingham County has 28.0 insurance agencies per 10,000 households, 79% above the U.S. rate of 15.6. Spending per agency is $649K, 48% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Effingham County would have about 20, against 39 on map listings. There is one business with payroll in the industry for every 481 households, against one for every 966 across the U.S. The official count fell 9.4% from 2019 to 2023, against −1.0% for the U.S.
How fast is Effingham County, IL growing?
Population estimates put Effingham County at 34,519 people in 2025, down 0.5% since 2020, against +3.1% for the U.S. It has 13,951 households. The median household income in Effingham County is $80,404 a year, in line with the U.S. median of $80,734. That rose 41.8% 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. Effingham County scores 13 for insurance agencies (low), #2,219 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Effingham 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 Effingham County
Screening a site or an acquisition in Effingham 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 Effingham 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.