Auto · County · Kentucky
Insurance agencies in Graves County, KY
How Graves County, KY 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 74 out of 100: Upper middle
Ranked #355 of 2,272 scored counties
#22 of 84 scored counties in Kentucky
- Listings
- 15
- 5 chain locations (33%)
- Official establishments
- 9
- Businesses with payroll, 2023
- Household spending a year
- $35.8M
- On vehicle insurance · $2,531 a household
- Spending per listing
- $2.4M
- 90% above the U.S.
- Listings per 10k households
- 10.6
- 32% below the U.S.
- Population, 2025
- 37,050
- +1.4% since 2020
See the insurance agencies around any address in Graves 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 Graves 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
Household spending on vehicle insurance in Graves County comes to about $35.8M a year: $2,531 per household, 29% above the U.S. average. That works out to $2.4M per agency, 90% above the U.S. figure of $1.3M.
Graves County has 15 insurance agencies on map listings as of September 2026. Of those, 5 are chain locations, or 33%, against 21% across the U.S. That is 10.6 per 10,000 households, 32% below the U.S. rate of 15.6.
In 2023, official counts showed 9 businesses with payroll in Graves County classed as insurance agencies and brokerages. That is one for every 1,571 households, against one for every 966 across the U.S. Since fiscal 2022, 2 SBA-backed loans worth $297K have gone to businesses classed as insurance agencies and brokerages in Graves County.
Between 2020 and 2025, the population of Graves County grew 1.4%, slower than the U.S. (+3.1%). For insurance agencies, Graves County has a Groundwork market score of 74 (upper middle): #355 of 2,272 scored counties and #22 of 84 scored counties in Kentucky. That puts it in the top quarter of counties.
How Graves 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 | Graves County | Kentucky | U.S. |
|---|---|---|---|
| Listings per 10k households | 10.6 | 14.9 | 15.6 |
| Spending per listing | $2.4M | $1.7M | $1.3M |
| Households per official establishment | 1,571 | 1,025 | 966 |
| Official establishment growth, 2019–2023 | n/a | −1.8% | −1.0% |
| Population growth, 2020–2025 | +1.4% | +2.2% | +3.1% |
| Spending per household on vehicle insurance | $2,531 | $2,467 | $1,957 |
| Median household income | $50,772 | $63,726 | $80,734 |
| Groundwork market score | 74 | 67 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 10 → 9
- Employees, 2023
- 36
- Annual payroll, 2023
- $2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 155 chain locations
- Listings at the U.S. rate for this spending
- 29The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 2
- Amount
- $297K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Graves 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 Graves County
- Population, 2025 estimate
- 37,050+1.4% since 2020
- Households
- 14,139
- Median age
- 41.0
- Homes lived in by their owners
- 76%
- Vehicles per household
- 1.9
- Land area
- 552 sq. mi.
- People per square mile
- 66
- Median household income
- $50,772+15.3% vs. 2015–2019, before inflation
- Average household income
- $74,127
- Median home value
- $147,800
- Jobs located here
- 11,600
- Daytime population
- 33,159Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Graves 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 Graves 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 Graves 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 |
| 22Graves County, KY | 74 | 15 | 10.6 | $2.4M | +1.4% | #355 of 2,272 |
Other business types in Graves 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 Graves County, KY?
Map listings as of September 2026 show 15 insurance agencies in Graves County. 5 of them (33%) 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 Graves County, KY spend on vehicle insurance?
About $35.8M a year, or $2,531 per household. That is 29% above the U.S. average (an index of 129, where 100 is the U.S. average). Spread across the 15 insurance agencies on map listings, it comes to $2.4M per agency. It is estimated from the incomes of the 14,139 households in Graves County and national spending patterns by income.
How does Graves County, KY compare with the U.S. for insurance agencies?
Graves County has 10.6 insurance agencies per 10,000 households, 32% below the U.S. rate of 15.6. Spending per agency is $2.4M, 90% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Graves County would have about 29, against 15 on map listings. There is one business with payroll in the industry for every 1,571 households, against one for every 966 across the U.S.
How fast is Graves County, KY growing?
Population estimates put Graves County at 37,050 people in 2025, up 1.4% since 2020, slower than the U.S. (+3.1%). It has 14,139 households. Median household income in Graves County is $50,772, 37% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 15.3%, 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. Graves County scores 74 for insurance agencies (upper middle), #355 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Graves 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 Graves County
Screening a site or an acquisition in Graves 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 Graves 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.