Auto · County · Kentucky
Insurance agencies in Rowan County, KY
How Rowan 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 48 out of 100: Lower middle
Ranked #1,174 of 2,272 scored counties
#73 of 84 scored counties in Kentucky
- Listings
- 15
- 5 chain locations (33%)
- Official establishments
- 10
- Businesses with payroll, 2023
- Household spending a year
- $23.7M
- On vehicle insurance · $2,469 a household
- Spending per listing
- $1.6M
- 26% above the U.S.
- Listings per 10k households
- 15.6
- In line with the U.S.
- Population, 2025
- 24,476
- −1.0% since 2020
See the insurance agencies around any address in Rowan 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 Rowan 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 Rowan County comes to about $23.7M a year: $2,469 per household, 26% above the U.S. average. That works out to $1.6M per agency, 26% above the U.S. figure of $1.3M.
Rowan County has 15 insurance agencies on map listings as of September 2026. Chain locations make up 33% of them, against 21% across the U.S. That comes to 15.6 for every 10,000 households, in line with the U.S. rate of 15.6.
Official counts show 10 businesses with payroll classed as insurance agencies and brokerages in Rowan County in 2023. That is one for every 959 households, against one for every 966 across the U.S.
Between 2020 and 2025, the population of Rowan County declined 1.0%, against +3.1% for the U.S. For insurance agencies, Rowan County has a Groundwork market score of 48 (lower middle): #1,174 of 2,272 scored counties and #73 of 84 scored counties in Kentucky.
How Rowan 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 | Rowan County | Kentucky | U.S. |
|---|---|---|---|
| Listings per 10k households | 15.6 | 14.9 | 15.6 |
| Spending per listing | $1.6M | $1.7M | $1.3M |
| Households per official establishment | 959 | 1,025 | 966 |
| Official establishment growth, 2019–2023 | n/a | −1.8% | −1.0% |
| Population growth, 2020–2025 | −1.0% | +2.2% | +3.1% |
| Spending per household on vehicle insurance | $2,469 | $2,467 | $1,957 |
| Median household income | $54,321 | $63,726 | $80,734 |
| Groundwork market score | 48 | 67 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 10 → 10
- Employees, 2023
- 30
- Annual payroll, 2023
- $1.4M
- 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
- 19The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as insurance agencies and brokerages in Rowan 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 Rowan County
- Population, 2025 estimate
- 24,476−1.0% since 2020
- Households
- 9,592
- Median age
- 34.4
- Homes lived in by their owners
- 62%
- Vehicles per household
- 1.9
- Land area
- 280 sq. mi.
- People per square mile
- 88
- Median household income
- $54,321+42.1% vs. 2015–2019, before inflation
- Average household income
- $75,885
- Median home value
- $161,800
- Jobs located here
- 10,474
- Daytime population
- 25,662Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Rowan 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 Rowan 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 Rowan 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 |
| 73Rowan County, KY | 48 | 15 | 15.6 | $1.6M | −1.0% | #1,174 of 2,272 |
Other business types in Rowan 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 Rowan County, KY?
Map listings as of September 2026 show 15 insurance agencies in Rowan County. 5 of them (33%) are chain locations. The listings count insurance agencies. Official counts show 10 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Rowan County, KY spend on vehicle insurance?
About $23.7M a year, or $2,469 per household. That is 26% above the U.S. average (an index of 126, where 100 is the U.S. average). Spread across the 15 insurance agencies on map listings, it comes to $1.6M per agency. It is estimated from the incomes of the 9,592 households in Rowan County and national spending patterns by income.
How does Rowan County, KY compare with the U.S. for insurance agencies?
Rowan County has 15.6 insurance agencies per 10,000 households, in line with the U.S. rate of 15.6. Spending per agency is $1.6M, 26% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Rowan County would have about 19, against 15 on map listings. There is one business with payroll in the industry for every 959 households, against one for every 966 across the U.S.
How fast is Rowan County, KY growing?
Population estimates put Rowan County at 24,476 people in 2025, down 1.0% since 2020, against +3.1% for the U.S. It has 9,592 households. Median household income in Rowan County is $54,321, 33% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 42.1%, 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. Rowan County scores 48 for insurance agencies (lower middle), #1,174 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Rowan 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 Rowan County
Screening a site or an acquisition in Rowan 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 Rowan 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.