Auto · County · Kentucky
Insurance agencies in Fayette County, KY
The insurance agencies in Fayette County, KY, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 38 out of 100: Lower middle
Ranked #1,555 of 2,272 scored counties
#82 of 84 scored counties in Kentucky
- Listings
- 299
- 62 chain locations (21%)
- Official establishments
- 156
- −8.2% since 2019
- Household spending a year
- $307.6M
- On vehicle insurance · $2,202 a household
- Spending per listing
- $1M
- 18% below the U.S.
- Listings per 10k households
- 21.4
- 37% above the U.S.
- Population, 2025
- 329,751
- +2.2% since 2020
See the insurance agencies around any address in Fayette 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 Fayette 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 Fayette County spend about $307.6M a year on vehicle insurance, or $2,202 per household, 13% above the U.S. average. That works out to $1M per agency, 18% below the U.S. figure of $1.3M.
There are 299 insurance agencies on map listings in Fayette County as of September 2026. Of those, 62 are chain locations, or 21%, against 21% across the U.S. Per 10,000 households, that is 21.4, 37% above the U.S. rate of 15.6.
The official count of businesses with payroll classed as insurance agencies and brokerages in Fayette County was 156 in 2023, down 8.2% from 2019. That is one for every 896 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $2.4M has gone to businesses classed as insurance agencies and brokerages in Fayette County.
Population estimates show Fayette County grew 2.2% from 2020 to 2025, slower than the U.S. (+3.1%). For insurance agencies, Fayette County has a Groundwork market score of 38 (lower middle): #1,555 of 2,272 scored counties and #82 of 84 scored counties in Kentucky.
How Fayette 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 | Fayette County | Kentucky | U.S. |
|---|---|---|---|
| Listings per 10k households | 21.4 | 14.9 | 15.6 |
| Spending per listing | $1M | $1.7M | $1.3M |
| Households per official establishment | 896 | 1,025 | 966 |
| Official establishment growth, 2019–2023 | −8.2% | −1.8% | −1.0% |
| Population growth, 2020–2025 | +2.2% | +2.2% | +3.1% |
| Spending per household on vehicle insurance | $2,202 | $2,467 | $1,957 |
| Median household income | $69,479 | $63,726 | $80,734 |
| Groundwork market score | 38 | 67 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 170 → 156−8.2% over the period
- Employees, 2023
- 877
- Annual payroll, 2023
- $74.5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 29962 chain locations
- Listings at the U.S. rate for this spending
- 245The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $2.4M
SBA-backed loans to businesses classed as insurance agencies and brokerages in Fayette 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 Fayette County
- Population, 2025 estimate
- 329,751+2.2% since 2020
- Households
- 139,715
- Median age
- 37.1
- Homes lived in by their owners
- 54%
- Vehicles per household
- 1.7
- Land area
- 284 sq. mi.
- People per square mile
- 1,140
- Median household income
- $69,479+21.3% vs. 2015–2019, before inflation
- Average household income
- $101,616
- Median home value
- $293,500
- Jobs located here
- 208,353
- Daytime population
- 386,586Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Fayette 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 Fayette 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 Fayette 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 |
| 82Fayette County, KY | 38 | 299 | 21.4 | $1M | +2.2% | #1,555 of 2,272 |
Other business types in Fayette 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 Fayette County, KY?
As of September 2026, map listings count 299 insurance agencies in Fayette County. 62 of them (21%) are chain locations. The listings count insurance agencies. Official counts show 156 businesses with payroll classed as insurance agencies and brokerages in 2023, down 8.2% from 2019.
How much do households in Fayette County, KY spend on vehicle insurance?
About $307.6M a year, or $2,202 per household. That is 13% above the U.S. average (an index of 113, where 100 is the U.S. average). Spread across the 299 insurance agencies on map listings, it comes to $1M per agency. It is estimated from the incomes of the 139,715 households in Fayette County and national spending patterns by income.
How does Fayette County, KY compare with the U.S. for insurance agencies?
Fayette County has 21.4 insurance agencies per 10,000 households, 37% above the U.S. rate of 15.6. Spending per agency is $1M, 18% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Fayette County would have about 245, against 299 on map listings. There is one business with payroll in the industry for every 896 households, against one for every 966 across the U.S. The official count fell 8.2% from 2019 to 2023, against −1.0% for the U.S.
How fast is Fayette County, KY growing?
Population estimates put Fayette County at 329,751 people in 2025, up 2.2% since 2020, slower than the U.S. (+3.1%). It has 139,715 households. Median household income in Fayette County is $69,479, 14% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 21.3%, 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. Fayette County scores 38 for insurance agencies (lower middle), #1,555 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Fayette 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 Fayette County
Screening a site or an acquisition in Fayette 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 Fayette 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.