Auto · County · Iowa
Insurance agencies in Hardin County, IA
How Hardin County, IA 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 16 out of 100: Low
Ranked #2,165 of 2,272 scored counties
#54 of 71 scored counties in Iowa
- Listings
- 16
- 4 chain locations (25%)
- Official establishments
- 9
- Businesses with payroll, 2023
- Household spending a year
- $12.4M
- On vehicle insurance · $1,759 a household
- Spending per listing
- $774K
- 38% below the U.S.
- Listings per 10k households
- 22.7
- 46% above the U.S.
- Population, 2025
- 16,455
- −2.2% since 2020
See the insurance agencies around any address in Hardin 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 Hardin 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
For insurance agencies, Hardin County has a Groundwork market score of 16 (low): #2,165 of 2,272 scored counties and #54 of 71 scored counties in Iowa. That puts it in the bottom quarter of counties.
Map listings as of September 2026 show 16 insurance agencies in Hardin County. Chain locations make up 25% of them, against 21% across the U.S. That comes to 22.7 for every 10,000 households, 46% above the U.S. rate of 15.6.
Households in Hardin County spend about $12.4M a year on vehicle insurance, or $1,759 per household, 10% below the U.S. average. That is about $774K of household spending for each agency on map listings, 38% below the U.S. figure of $1.3M.
In 2023, official counts showed 9 businesses with payroll in Hardin County classed as insurance agencies and brokerages. That is one for every 782 households, against one for every 966 across the U.S. Between 2020 and 2025, the population of Hardin County declined 2.2%, against +3.1% for the U.S.
How Hardin County compares
The same measures for Iowa 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 | Hardin County | Iowa | U.S. |
|---|---|---|---|
| Listings per 10k households | 22.7 | 17.7 | 15.6 |
| Spending per listing | $774K | $984K | $1.3M |
| Households per official establishment | 782 | 660 | 966 |
| Official establishment growth, 2019–2023 | n/a | −5.7% | −1.0% |
| Population growth, 2020–2025 | −2.2% | +1.5% | +3.1% |
| Spending per household on vehicle insurance | $1,759 | $1,738 | $1,957 |
| Median household income | $65,069 | $75,059 | $80,734 |
| Groundwork market score | 16 | 20 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 12 → 9
- Employees, 2023
- 35
- Annual payroll, 2023
- $1.7M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 164 chain locations
- Listings at the U.S. rate for this spending
- 10The 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 Hardin 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 Hardin County
- Population, 2025 estimate
- 16,455−2.2% since 2020
- Households
- 7,038
- Median age
- 44.4
- Homes lived in by their owners
- 74%
- Vehicles per household
- 2.0
- Land area
- 569 sq. mi.
- People per square mile
- 29
- Median household income
- $65,069+20.1% vs. 2015–2019, before inflation
- Average household income
- $79,622
- Median home value
- $122,500
- Jobs located here
- 6,424
- Daytime population
- 15,239Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Hardin 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 Hardin 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 Iowa
Every Iowa market ranked →The highest-scoring counties in Iowa for insurance agencies, numbered among those based in Iowa, with Hardin County marked.
Top counties in Iowa
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Warren County, IA | 53 | 25 | 12.1 | $1.6M | +9.0% | #1,014 of 2,272 |
| 2Marion County, IA | 52 | 20 | 15.0 | $1.3M | +2.3% | #1,055 of 2,272 |
| 3Johnson County, IA | 51 | 62 | 9.8 | $1.6M | +4.6% | #1,073 of 2,272 |
| 4Madison County, IA | 48 | 7 | 10.5 | $1.9M | +3.8% | #1,165 of 2,272 |
| 5Benton County, IA | 46 | 12 | 11.8 | $1.8M | +1.8% | #1,240 of 2,272 |
| 6Mills County, IA | 45 | 7 | 13.0 | $1.5M | +2.6% | #1,277 of 2,272 |
| 7Jasper County, IA | 44 | 22 | 14.7 | $1.3M | +0.9% | #1,329 of 2,272 |
| 8Grundy County, IA | 40 | 6 | 11.7 | $1.6M | +0.2% | #1,438 of 2,272 |
| 9Story County, IA | 40 | 50 | 12.9 | $1.3M | +2.7% | #1,457 of 2,272 |
| 10Boone County, IA | 38 | 14 | 12.8 | $1.5M | +0.4% | #1,522 of 2,272 |
| 54Hardin County, IA | 16 | 16 | 22.7 | $774K | −2.2% | #2,165 of 2,272 |
Other business types in Hardin 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 Hardin County, IA?
There are 16 insurance agencies on map listings in Hardin County as of September 2026. 4 of them (25%) are chain locations. The listings count insurance agencies. Official counts show 9 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Hardin County, IA spend on vehicle insurance?
About $12.4M a year, or $1,759 per household. That is 10% below the U.S. average (an index of 90, where 100 is the U.S. average). Spread across the 16 insurance agencies on map listings, it comes to $774K per agency. It is estimated from the incomes of the 7,038 households in Hardin County and national spending patterns by income.
How does Hardin County, IA compare with the U.S. for insurance agencies?
Hardin County has 22.7 insurance agencies per 10,000 households, 46% above the U.S. rate of 15.6. Spending per agency is $774K, 38% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Hardin County would have about 10, against 16 on map listings. There is one business with payroll in the industry for every 782 households, against one for every 966 across the U.S.
How fast is Hardin County, IA growing?
Population estimates put Hardin County at 16,455 people in 2025, down 2.2% since 2020, against +3.1% for the U.S. It has 7,038 households. The median household income in Hardin County is $65,069 a year, 19% below the U.S. median of $80,734. That rose 20.1% 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. Hardin County scores 16 for insurance agencies (low), #2,165 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Hardin 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 Hardin County
Screening a site or an acquisition in Hardin 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 Hardin 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.