Market rankings · Kentucky
Insurance agencies in Kentucky
Markets across Kentucky ranked by the Groundwork market score for insurance agencies, with competitor counts and household spending for each.
- Listings
- 2,697
- 632 chain locations (23%)
- Official establishments
- 1,771
- −1.8% since 2019
- Household spending a year
- $4.5B
- On vehicle insurance
- Listings per 10k households
- 14.9
- 4% below the U.S.
- Spending per listing
- $1.7M
- 32% above the U.S.
- Rank among states
- #12 of 51
- Market score 67 · Upper middle
A site report maps the insurance agencies on map listings around any address in Kentucky by name and distance, and the spending within reach.
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
Map listings as of September 2026 show 2,697 insurance agencies in Kentucky. 632 of them (23%) are chain locations, against 21% across the U.S. That is 14.9 per 10,000 households, 4% below the U.S. rate of 15.6.
Households in Kentucky spend about $4.5B a year on vehicle insurance, or $2,467 per household, 26% above the U.S. average. Spread across 2,697 insurance agencies, that is $1.7M per agency, 32% above the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Kentucky was 1,771 in 2023, down 1.8% from 2019. That is one for every 1,025 households, against one for every 966 across the U.S. Across the U.S., the count fell 1.0% over the same years. Since fiscal 2022, 32 SBA-backed loans worth $12M have gone to businesses classed as insurance agencies and brokerages in Kentucky.
Among the 50 states and DC, Kentucky ranks #12 for insurance agencies, with a Groundwork market score of 67 (upper middle). Of the 9 scored metro areas in or partly in Kentucky, the Clarksville metro area scores highest (94). Of the 15 scored small-town markets in or partly in Kentucky, the Mayfield area scores highest (82).
Every market in Kentucky for insurance agencies
Download the ranking (CSV)Numbered by Groundwork market score among the markets based in Kentucky, highest first; the U.S. rank compares each market with every other of its kind. A metro area that crosses a state line is listed in each state it reaches, and numbered only in the state its page is under. How the score works.
Metro areas
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| Clarksville, TN-KY | 94 | 135 | 10.8 | $2.4M | +8.5% | #2 of 387 |
| 1Elizabethtown, KY | 81 | 61 | 12.1 | $2.1M | +2.4% | #30 of 387 |
| 2Bowling Green, KY | 77 | 111 | 15.1 | $1.7M | +9.5% | #54 of 387 |
| Huntington-Ashland, WV-KY-OH | 53 | 218 | 14.3 | $1.6M | −2.6% | #167 of 387 |
| 3Lexington-Fayette, KY | 53 | 391 | 18.1 | $1.3M | +3.4% | #172 of 387 |
| Cincinnati, OH-KY-IN | 50 | 1,285 | 14.2 | $1.3M | +2.7% | #187 of 387 |
| 4Louisville/Jefferson County, KY-IN | 47 | 940 | 16.8 | $1.3M | +2.9% | #203 of 387 |
| 5Owensboro, KY | 45 | 93 | 20.5 | $1.2M | +1.3% | #219 of 387 |
| 6Paducah, KY-IL | 42 | 73 | 17.5 | $1.4M | −1.2% | #238 of 387 |
Small-town markets
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Mayfield, KY | 82 | 15 | 10.6 | $2.4M | +1.4% | #44 of 537 |
| 2Richmond-Berea, KY | 79 | 70 | 14.1 | $1.8M | +7.0% | #56 of 537 |
| 3Glasgow, KY | 78 | 28 | 12.7 | $2M | +2.6% | #63 of 537 |
| 4Franklin, KY | 75 | 9 | 11.2 | $2.5M | +5.9% | #70 of 537 |
| 5Mount Sterling, KY | 74 | 20 | 11.0 | $2.4M | +3.1% | #72 of 537 |
| 6Corbin, KY | 73 | 67 | 11.9 | $2.1M | +0.1% | #85 of 537 |
| 7Frankfort, KY | 71 | 50 | 15.4 | $1.7M | +3.1% | #97 of 537 |
| 8Madisonville, KY | 68 | 24 | 13.0 | $1.9M | −0.5% | #119 of 537 |
| 9Middlesborough, KY | 67 | 7 | 7.0 | $2.9M | −4.8% | #125 of 537 |
| 10Campbellsville, KY | 67 | 25 | 17.0 | $1.5M | +3.4% | #129 of 537 |
| 11Somerset, KY | 64 | 41 | 15.6 | $1.7M | +3.5% | #148 of 537 |
| 12Pikeville, KY | 63 | 47 | 12.1 | $1.9M | −5.4% | #153 of 537 |
| 13Danville, KY | 61 | 37 | 17.0 | $1.5M | +3.6% | #181 of 537 |
| 14Henderson, KY | 54 | 33 | 14.1 | $1.7M | −0.9% | #224 of 537 |
| 15Murray, KY | 48 | 33 | 21.7 | $1.1M | +4.9% | #287 of 537 |
Counties
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Allen County, KY | 92 | 8 | 10.0 | $2.8M | +9.5% | #38 of 2,272 |
| 2Breckinridge County, KY | 91 | 8 | 9.9 | $3M | +5.2% | #48 of 2,272 |
| 3Grant County, KY | 87 | 7 | 7.6 | $3.6M | +4.7% | #96 of 2,272 |
| 4Green County, KY | 87 | 5 | 11.3 | $2.7M | +4.6% | #106 of 2,272 |
| 5Anderson County, KY | 87 | 11 | 11.4 | $2.6M | +5.5% | #107 of 2,272 |
| 6Spencer County, KY | 84 | 6 | 8.2 | $4.2M | +7.7% | #136 of 2,272 |
| 7Ohio County, KY | 84 | 9 | 9.9 | $2.9M | +0.8% | #141 of 2,272 |
| 8Logan County, KY | 84 | 12 | 10.9 | $2.5M | +4.2% | #145 of 2,272 |
| 9Scott County, KY | 84 | 26 | 11.5 | $2.3M | +8.2% | #149 of 2,272 |
| 10Trigg County, KY | 82 | 7 | 11.6 | $2.3M | +3.1% | #186 of 2,272 |
| 11Meade County, KY | 81 | 12 | 10.9 | $2.6M | +2.2% | #206 of 2,272 |
| 12Pendleton County, KY | 80 | 5 | 9.2 | $3.3M | +1.1% | #220 of 2,272 |
| 13Russell County, KY | 80 | 7 | 9.3 | $2.8M | +3.4% | #225 of 2,272 |
| 14Todd County, KY | 80 | 6 | 13.2 | $2M | +5.6% | #230 of 2,272 |
| 15Rockcastle County, KY | 79 | 6 | 9.2 | $2.9M | +0.6% | #238 of 2,272 |
| 16Bullitt County, KY | 77 | 35 | 11.0 | $2.6M | +5.0% | #290 of 2,272 |
| 17Carter County, KY | 76 | 9 | 8.3 | $3.4M | −1.7% | #305 of 2,272 |
| 18Mercer County, KY | 76 | 10 | 10.9 | $2.4M | +4.8% | #314 of 2,272 |
| 19Metcalfe County, KY | 76 | 5 | 12.2 | $2.2M | +2.9% | #320 of 2,272 |
| 20Lincoln County, KY | 75 | 10 | 10.3 | $2.6M | +4.6% | #333 of 2,272 |
| 21Wayne County, KY | 74 | 8 | 9.9 | $2.6M | +0.3% | #353 of 2,272 |
| 22Graves County, KY | 74 | 15 | 10.6 | $2.4M | +1.4% | #355 of 2,272 |
| 23Henry County, KY | 74 | 9 | 14.6 | $1.9M | +4.8% | #363 of 2,272 |
| 24Campbell County, KY | 73 | 35 | 8.9 | $2.7M | +2.5% | #377 of 2,272 |
| 25Jessamine County, KY | 73 | 24 | 12.1 | $2.1M | +7.8% | #387 of 2,272 |
Show all 120 counties
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 26Casey County, KY | 73 | 8 | 12.3 | $2.1M | +1.8% | #390 of 2,272 |
| 27Harlan County, KY | 72 | 6 | 5.6 | $4.2M | −7.6% | #405 of 2,272 |
| 28Webster County, KY | 72 | 5 | 10.2 | $2.9M | −0.7% | #408 of 2,272 |
| 29Hart County, KY | 72 | 11 | 14.9 | $1.7M | +4.3% | #420 of 2,272 |
| 30McCreary County, KY | 71 | 5 | 8.5 | $2.7M | +1.7% | #425 of 2,272 |
| 31Garrard County, KY | 71 | 7 | 10.5 | $2.7M | +7.3% | #426 of 2,272 |
| 32Lewis County, KY | 70 | 5 | 10.0 | $2.7M | −1.4% | #455 of 2,272 |
| 33Simpson County, KY | 70 | 9 | 11.2 | $2.5M | +5.9% | #457 of 2,272 |
| 34Oldham County, KY | 70 | 31 | 13.5 | $2.2M | +4.9% | #465 of 2,272 |
| 35Hardin County, KY | 70 | 57 | 12.8 | $1.9M | +2.4% | #474 of 2,272 |
| 36Washington County, KY | 69 | 5 | 10.3 | $2.7M | +2.7% | #490 of 2,272 |
| 37Lawrence County, KY | 69 | 6 | 9.5 | $2.7M | −3.3% | #491 of 2,272 |
| 38Harrison County, KY | 68 | 9 | 12.3 | $2.3M | +4.9% | #518 of 2,272 |
| 39Shelby County, KY | 68 | 26 | 14.1 | $2M | +6.2% | #522 of 2,272 |
| 40Barren County, KY | 68 | 23 | 12.8 | $2M | +2.6% | #523 of 2,272 |
| 41Bourbon County, KY | 67 | 7 | 8.6 | $2.9M | −0.3% | #539 of 2,272 |
| 42Clark County, KY | 67 | 16 | 10.6 | $2.3M | +2.3% | #551 of 2,272 |
| 43Laurel County, KY | 67 | 35 | 14.6 | $1.8M | +1.6% | #566 of 2,272 |
| 44Johnson County, KY | 65 | 7 | 7.7 | $3.1M | −2.6% | #606 of 2,272 |
| 45Greenup County, KY | 65 | 14 | 9.5 | $2.8M | −1.9% | #608 of 2,272 |
| 46Whitley County, KY | 65 | 18 | 13.3 | $1.8M | +1.6% | #624 of 2,272 |
| 47Madison County, KY | 65 | 62 | 16.7 | $1.5M | +9.4% | #633 of 2,272 |
| 48Bell County, KY | 64 | 7 | 7.0 | $2.9M | −4.8% | #639 of 2,272 |
| 49Perry County, KY | 64 | 10 | 9.0 | $2.6M | −6.4% | #641 of 2,272 |
| 50Butler County, KY | 64 | 6 | 13.1 | $2.1M | +1.6% | #652 of 2,272 |
| 51Muhlenberg County, KY | 64 | 18 | 14.8 | $1.9M | −0.9% | #659 of 2,272 |
| 52Boone County, KY | 64 | 97 | 19.0 | $1.4M | +6.5% | #674 of 2,272 |
| 53Kenton County, KY | 63 | 99 | 14.7 | $1.7M | +3.9% | #701 of 2,272 |
| 54Floyd County, KY | 62 | 13 | 8.8 | $2.6M | −3.9% | #711 of 2,272 |
| 55Caldwell County, KY | 62 | 6 | 11.9 | $2.2M | −0.3% | #715 of 2,272 |
| 56Warren County, KY | 62 | 94 | 16.9 | $1.5M | +10.6% | #738 of 2,272 |
| 57Marshall County, KY | 61 | 18 | 13.6 | $2.1M | −0.1% | #750 of 2,272 |
| 58Hopkins County, KY | 61 | 24 | 13.0 | $1.9M | −0.5% | #753 of 2,272 |
| 59Adair County, KY | 61 | 11 | 15.4 | $1.8M | +2.9% | #757 of 2,272 |
| 60Woodford County, KY | 61 | 19 | 17.6 | $1.4M | +3.7% | #766 of 2,272 |
| 61Nelson County, KY | 59 | 32 | 16.7 | $1.7M | +4.8% | #809 of 2,272 |
| 62Knox County, KY | 58 | 10 | 8.5 | $2.5M | −2.2% | #827 of 2,272 |
| 63Pulaski County, KY | 57 | 41 | 15.6 | $1.7M | +3.5% | #879 of 2,272 |
| 64Christian County, KY | 56 | 33 | 12.8 | $1.8M | −3.6% | #905 of 2,272 |
| 65Pike County, KY | 56 | 34 | 14.0 | $1.6M | −6.4% | #913 of 2,272 |
| 66Monroe County, KY | 55 | 6 | 12.9 | $2.1M | −1.1% | #939 of 2,272 |
| 67Montgomery County, KY | 55 | 17 | 15.4 | $1.7M | +2.5% | #949 of 2,272 |
| 68Franklin County, KY | 51 | 39 | 17.2 | $1.4M | +2.0% | #1,086 of 2,272 |
| 69Mason County, KY | 50 | 11 | 15.4 | $1.5M | −1.2% | #1,110 of 2,272 |
| 70Marion County, KY | 50 | 14 | 18.1 | $1.5M | +2.7% | #1,111 of 2,272 |
| 71Boyd County, KY | 50 | 30 | 15.5 | $1.5M | −0.9% | #1,112 of 2,272 |
| 72Carroll County, KY | 50 | 10 | 23.9 | $1.1M | +2.9% | #1,123 of 2,272 |
| 73Rowan County, KY | 48 | 15 | 15.6 | $1.6M | −1.0% | #1,174 of 2,272 |
| 74Union County, KY | 48 | 11 | 21.2 | $1.3M | −5.9% | #1,197 of 2,272 |
| 75Fleming County, KY | 47 | 11 | 18.8 | $1.3M | +4.6% | #1,225 of 2,272 |
| 76Taylor County, KY | 45 | 20 | 19.5 | $1.2M | +2.9% | #1,296 of 2,272 |
| 77Calloway County, KY | 44 | 33 | 21.7 | $1.1M | +4.9% | #1,337 of 2,272 |
| 78Henderson County, KY | 42 | 28 | 15.1 | $1.5M | −0.9% | #1,385 of 2,272 |
| 79Grayson County, KY | 42 | 25 | 24.7 | $1.1M | +3.6% | #1,410 of 2,272 |
| 80Daviess County, KY | 41 | 88 | 21.1 | $1.2M | +1.5% | #1,428 of 2,272 |
| 81Boyle County, KY | 39 | 27 | 22.4 | $1.1M | +2.9% | #1,509 of 2,272 |
| 82Fayette County, KY | 38 | 299 | 21.4 | $1M | +2.2% | #1,555 of 2,272 |
| 83Jefferson County, KY | 36 | 620 | 18.7 | $1.2M | +1.6% | #1,609 of 2,272 |
| 84McCracken County, KY | 33 | 56 | 20.3 | $1.2M | −0.5% | #1,709 of 2,272 |
| Letcher County, KY | Not scored | 4 | 4.7 | $5.3M | −7.0% | |
| Clay County, KY | Not scored | 4 | 5.5 | $4.2M | −4.1% | |
| Larue County, KY | Not scored | 4 | 6.7 | $4.5M | +2.1% | |
| Morgan County, KY | Not scored | 2 | 4.1 | $6.7M | +5.0% | |
| Estill County, KY | Not scored | 2 | 3.3 | $7.5M | −1.4% | |
| Knott County, KY | Not scored | 4 | 7.2 | $3.2M | −5.9% | |
| Breathitt County, KY | Not scored | 2 | 3.7 | $5.8M | −8.3% | |
| Jackson County, KY | Not scored | 2 | 3.9 | $6.7M | +2.8% | |
| Powell County, KY | Not scored | 4 | 8.4 | $3M | −2.2% | |
| Bath County, KY | Not scored | 2 | 4.3 | $6.4M | +3.6% | |
| Edmonson County, KY | Not scored | 3 | 5.9 | $4.8M | +5.0% | |
| Magoffin County, KY | Not scored | 3 | 6.3 | $3.5M | −4.3% | |
| Owen County, KY | Not scored | 3 | 7.1 | $3.9M | +2.6% | |
| Martin County, KY | Not scored | 1 | 2.6 | $9.4M | −4.9% | |
| Leslie County, KY | Not scored | 2 | 4.7 | $5M | −8.0% | |
| Clinton County, KY | Not scored | 8 | 20.8 | $1.3M | −1.0% | |
| McLean County, KY | Not scored | 5 | 13.7 | $2M | −0.8% | |
| Hancock County, KY | Not scored | 3 | 8.2 | $3.6M | −0.6% | |
| Crittenden County, KY | Not scored | 5 | 14.1 | $2M | −2.2% | |
| Livingston County, KY | Not scored | 1 | 2.8 | $9.8M | −0.1% | |
| Lyon County, KY | Not scored | 3 | 8.8 | $2.8M | +5.2% | |
| Gallatin County, KY | Not scored | 2 | 6.1 | $4.4M | +1.9% | |
| Trimble County, KY | Not scored | 3 | 8.9 | $3.3M | +2.8% | |
| Bracken County, KY | Not scored | 3 | 8.9 | $3.4M | +1.3% | |
| Nicholas County, KY | Not scored | 2 | 7.2 | $3.8M | +5.4% | |
| Ballard County, KY | Not scored | 4 | 12.5 | $2.3M | −1.5% | |
| Lee County, KY | Not scored | 1 | 3.9 | $6.4M | −0.9% | |
| Elliott County, KY | Not scored | 1 | 4.1 | $6M | −0.9% | |
| Wolfe County, KY | Not scored | 2 | 7.5 | $3.1M | −4.0% | |
| Fulton County, KY | Not scored | 4 | 15.7 | $1.2M | −4.5% | |
| Menifee County, KY | Not scored | 1 | 4.0 | $6.2M | +4.8% | |
| Cumberland County, KY | Not scored | 3 | 11.4 | $2.1M | +2.3% | |
| Carlisle County, KY | Not scored | 2 | 10.7 | $2.6M | −1.2% | |
| Hickman County, KY | Not scored | 1 | 5.8 | $4.6M | −3.4% | |
| Owsley County, KY | Not scored | 1 | 6.4 | $3.3M | −2.5% | |
| Robertson County, KY | Not scored | 1 | 12.3 | $2.2M | +6.6% |
Markets with fewer than 5 insurance agencies on map listings, and counties under 10,000 people, aren’t scored; they’re listed last in each table.
Questions
How many insurance agencies are in Kentucky?
There are 2,697 insurance agencies on map listings in Kentucky as of September 2026. 632 of them (23%) are chain locations. The listings count insurance agencies. Official counts show 1,771 businesses with payroll classed as insurance agencies and brokerages in 2023, down 1.8% from 2019.
How much do households in Kentucky spend on vehicle insurance?
About $4.5B a year, or $2,467 per household. That is 26% above the U.S. average (an index of 126, where 100 is the U.S. average). Spread across the 2,697 insurance agencies on map listings, it comes to $1.7M per agency. It is estimated from the incomes of the 1,814,469 households in Kentucky and national spending patterns by income.
How does Kentucky compare with the U.S. for insurance agencies?
Kentucky has 14.9 insurance agencies per 10,000 households, 4% below the U.S. rate of 15.6. Spending per agency is $1.7M, 32% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Kentucky would have about 3,565, against 2,697 on map listings. There is one business with payroll in the industry for every 1,025 households, against one for every 966 across the U.S. The official count fell 1.8% from 2019 to 2023, against −1.0% for the U.S.
Which market in Kentucky has the highest market score for insurance agencies?
Among 9 scored metro areas in or partly in Kentucky, the Clarksville metro area scores highest, at 94 (very high). Among 15 scored small-town markets in or partly in Kentucky, the Mayfield area scores highest, at 82 (high). Among 84 scored counties in Kentucky, Allen County scores highest, at 92 (very high). Scores compare each market with others of its kind across the U.S.
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. Kentucky scores 67 for insurance agencies (upper middle), #12 of the 50 states and DC.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Kentucky. 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.
Insurance agencies in other states
All 51 states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Top markets for insurance agencies across the U.S. · All business types in Kentucky
Related business types in Kentucky
- Auto repair and car care6,623 listings
- Auto repair shops3,835 listings
- Collision repair and body shops514 listings
- Car washes and detailing721 listings
- Tire shops727 listings
- Oil change and quick lube167 listings
- Gas stations2,753 listings
Screening a site or an acquisition in Kentucky?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
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.