Auto · County · Kentucky
Insurance agencies in Adair County, KY
Competitor counts, household spending and official business counts for insurance agencies in Adair County, KY, set against other counties and the U.S.
Groundwork market score · out of 100
Score 61 out of 100: Upper middle
Ranked #757 of 2,272 scored counties
#59 of 84 scored counties in Kentucky
- Listings
- 11
- 4 chain locations (36%)
- Official establishments
- 8
- Businesses with payroll, 2023
- Household spending a year
- $19.5M
- On vehicle insurance · $2,727 a household
- Spending per listing
- $1.8M
- 41% above the U.S.
- Listings per 10k households
- 15.4
- In line with the U.S.
- Population, 2025
- 19,423
- +2.9% since 2020
See the insurance agencies around any address in Adair 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 Adair 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
Households in Adair County spend about $19.5M a year on vehicle insurance, or $2,727 per household, 39% above the U.S. average. That is about $1.8M of household spending for each agency on map listings, 41% above the U.S. figure of $1.3M.
There are 11 insurance agencies on map listings in Adair County as of September 2026. 4 of them (36%) are chain locations, against 21% across the U.S. That is 15.4 per 10,000 households, in line with the U.S. rate of 15.6.
In 2023, official counts showed 8 businesses with payroll in Adair County classed as insurance agencies and brokerages. That is one for every 892 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $185K has gone to businesses classed as insurance agencies and brokerages in Adair County.
Population estimates show Adair County grew 2.9% from 2020 to 2025, in step with the U.S. (+3.1%). Adair County scores 61 (upper middle) on the Groundwork market score for insurance agencies, ranking #757 of 2,272 scored counties and #59 of 84 scored counties in Kentucky.
How Adair County compares
The same measures for Kentucky 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 | Adair County | Kentucky | U.S. |
|---|---|---|---|
| Listings per 10k households | 15.4 | 14.9 | 15.6 |
| Spending per listing | $1.8M | $1.7M | $1.3M |
| Households per official establishment | 892 | 1,025 | 966 |
| Official establishment growth, 2019–2023 | n/a | −1.8% | −1.0% |
| Population growth, 2020–2025 | +2.9% | +2.2% | +3.1% |
| Spending per household on vehicle insurance | $2,727 | $2,467 | $1,957 |
| Median household income | $53,553 | $63,726 | $80,734 |
| Groundwork market score | 61 | 67 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 10 → 8
- Employees, 2023
- 142
- Annual payroll, 2023
- $20.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 114 chain locations
- Listings at the U.S. rate for this spending
- 16The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $185K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Adair 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 Adair County
- Population, 2025 estimate
- 19,423+2.9% since 2020
- Households
- 7,136
- Median age
- 41.1
- Homes lived in by their owners
- 77%
- Vehicles per household
- 2.1
- Land area
- 405 sq. mi.
- People per square mile
- 47
- Median household income
- $53,553+40.9% vs. 2015–2019, before inflation
- Average household income
- $71,223
- Median home value
- $150,800
- Jobs located here
- 4,855
- Daytime population
- 17,036Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Adair 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 Adair 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 Kentucky
Every Kentucky market ranked →The highest-scoring counties in Kentucky for insurance agencies, numbered among those based in Kentucky, with Adair County marked.
Top counties in Kentucky
| 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 |
| 59Adair County, KY | 61 | 11 | 15.4 | $1.8M | +2.9% | #757 of 2,272 |
Other business types in Adair 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 Adair County, KY?
As of September 2026, map listings count 11 insurance agencies in Adair County. 4 of them (36%) are chain locations. The listings count insurance agencies. Official counts show 8 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Adair County, KY spend on vehicle insurance?
About $19.5M a year, or $2,727 per household. That is 39% above the U.S. average (an index of 139, where 100 is the U.S. average). Spread across the 11 insurance agencies on map listings, it comes to $1.8M per agency. It is estimated from the incomes of the 7,136 households in Adair County and national spending patterns by income.
How does Adair County, KY compare with the U.S. for insurance agencies?
Adair County has 15.4 insurance agencies per 10,000 households, in line with the U.S. rate of 15.6. Spending per agency is $1.8M, 41% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Adair County would have about 16, against 11 on map listings. There is one business with payroll in the industry for every 892 households, against one for every 966 across the U.S.
How fast is Adair County, KY growing?
Population estimates put Adair County at 19,423 people in 2025, up 2.9% since 2020, in step with the U.S. (+3.1%). It has 7,136 households. Median household income in Adair County is $53,553, 34% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 40.9%, 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. Adair County scores 61 for insurance agencies (upper middle), #757 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Adair 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 Adair County
Screening a site or an acquisition in Adair 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 Adair 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.