Auto · County · Kentucky
Insurance agencies in Garrard County, KY
Competitor counts, household spending and official business counts for insurance agencies in Garrard County, KY, set against other counties and the U.S.
Groundwork market score · out of 100
Score 71 out of 100: Upper middle
Ranked #426 of 2,272 scored counties
#31 of 84 scored counties in Kentucky
- Listings
- 7
- 2 chain locations (29%)
- Official establishments
- 9
- Businesses with payroll, 2023
- Household spending a year
- $18.7M
- On vehicle insurance · $2,795 a household
- Spending per listing
- $2.7M
- 2.1 times the U.S.
- Listings per 10k households
- 10.5
- 33% below the U.S.
- Population, 2025
- 18,207
- +7.3% since 2020
See the insurance agencies around any address in Garrard 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 Garrard 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
Map listings as of September 2026 show 7 insurance agencies in Garrard County. Chain locations make up 29% of them, against 21% across the U.S. That comes to 10.5 for every 10,000 households, 33% below the U.S. rate of 15.6.
Household spending on vehicle insurance in Garrard County comes to about $18.7M a year: $2,795 per household, 43% above the U.S. average. Spread across 7 insurance agencies, that is $2.7M per agency, 2.1 times the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Garrard County was 9 in 2023. That is one for every 744 households, against one for every 966 across the U.S. Since fiscal 2022, 2 SBA-backed loans worth $350K have gone to businesses classed as insurance agencies and brokerages in Garrard County.
Population estimates show Garrard County grew 7.3% from 2020 to 2025, faster than the U.S. (+3.1%). Garrard County scores 71 (upper middle) on the Groundwork market score for insurance agencies, ranking #426 of 2,272 scored counties and #31 of 84 scored counties in Kentucky. That puts it in the top quarter of counties.
How Garrard 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 | Garrard County | Kentucky | U.S. |
|---|---|---|---|
| Listings per 10k households | 10.5 | 14.9 | 15.6 |
| Spending per listing | $2.7M | $1.7M | $1.3M |
| Households per official establishment | 744 | 1,025 | 966 |
| Official establishment growth, 2019–2023 | n/a | −1.8% | −1.0% |
| Population growth, 2020–2025 | +7.3% | +2.2% | +3.1% |
| Spending per household on vehicle insurance | $2,795 | $2,467 | $1,957 |
| Median household income | $63,087 | $63,726 | $80,734 |
| Groundwork market score | 71 | 67 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 5 → 9
- Employees, 2023
- 26
- Annual payroll, 2023
- $857K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 72 chain locations
- Listings at the U.S. rate for this spending
- 15The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 2
- Amount
- $350K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Garrard 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 Garrard County
- Population, 2025 estimate
- 18,207+7.3% since 2020
- Households
- 6,695
- Median age
- 41.8
- Homes lived in by their owners
- 80%
- Vehicles per household
- 2.1
- Land area
- 230 sq. mi.
- People per square mile
- 76
- Median household income
- $63,087+19.9% vs. 2015–2019, before inflation
- Average household income
- $78,527
- Median home value
- $204,900
- Jobs located here
- 2,429
- Daytime population
- 12,659Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Garrard 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 Garrard 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 Garrard 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 |
| 31Garrard County, KY | 71 | 7 | 10.5 | $2.7M | +7.3% | #426 of 2,272 |
Other business types in Garrard 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 Garrard County, KY?
There are 7 insurance agencies on map listings in Garrard County as of September 2026. 2 of them (29%) 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 Garrard County, KY spend on vehicle insurance?
About $18.7M a year, or $2,795 per household. That is 43% above the U.S. average (an index of 143, where 100 is the U.S. average). Spread across the 7 insurance agencies on map listings, it comes to $2.7M per agency. It is estimated from the incomes of the 6,695 households in Garrard County and national spending patterns by income.
How does Garrard County, KY compare with the U.S. for insurance agencies?
Garrard County has 10.5 insurance agencies per 10,000 households, 33% below the U.S. rate of 15.6. Spending per agency is $2.7M, 2.1 times the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Garrard County would have about 15, against 7 on map listings. There is one business with payroll in the industry for every 744 households, against one for every 966 across the U.S.
How fast is Garrard County, KY growing?
Population estimates put Garrard County at 18,207 people in 2025, up 7.3% since 2020, faster than the U.S. (+3.1%). It has 6,695 households. The median household income in Garrard County is $63,087 a year, 22% below the U.S. median of $80,734. That rose 19.9% 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. Garrard County scores 71 for insurance agencies (upper middle), #426 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Garrard 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 Garrard County
Screening a site or an acquisition in Garrard 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 Garrard 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.