Auto · County · Maryland
Insurance agencies in Carroll County, MD
The insurance agencies in Carroll County, MD, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 71 out of 100: Upper middle
Ranked #433 of 2,272 scored counties
#11 of 24 scored counties in Maryland
- Listings
- 85
- 16 chain locations (19%)
- Official establishments
- 60
- −15.5% since 2019
- Household spending a year
- $185.9M
- On vehicle insurance · $2,891 a household
- Spending per listing
- $2.2M
- 74% above the U.S.
- Listings per 10k households
- 13.2
- 15% below the U.S.
- Population, 2025
- 176,677
- +2.2% since 2020
See the insurance agencies around any address in Carroll 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 Carroll 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 Carroll County comes to about $185.9M a year: $2,891 per household, 48% above the U.S. average. That is about $2.2M of household spending for each agency on map listings, 74% above the U.S. figure of $1.3M.
Carroll County has 85 insurance agencies on map listings as of September 2026. 16 of them (19%) are chain locations, against 21% across the U.S. That comes to 13.2 for every 10,000 households, 15% below the U.S. rate of 15.6.
In 2023, official counts showed 60 businesses with payroll in Carroll County classed as insurance agencies and brokerages, down 15.5% from 2019. That is one for every 1,071 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $720K has gone to businesses classed as insurance agencies and brokerages in Carroll County.
Between 2020 and 2025, the population of Carroll County grew 2.2%, slower than the U.S. (+3.1%). For insurance agencies, Carroll County has a Groundwork market score of 71 (upper middle): #433 of 2,272 scored counties and #11 of 24 scored counties in Maryland. That puts it in the top quarter of counties.
How Carroll County compares
The same measures for Maryland 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 | Carroll County | Maryland | U.S. |
|---|---|---|---|
| Listings per 10k households | 13.2 | 12.3 | 15.6 |
| Spending per listing | $2.2M | $1.9M | $1.3M |
| Households per official establishment | 1,071 | 1,274 | 966 |
| Official establishment growth, 2019–2023 | −15.5% | −6.8% | −1.0% |
| Population growth, 2020–2025 | +2.2% | +1.4% | +3.1% |
| Spending per household on vehicle insurance | $2,891 | $2,340 | $1,957 |
| Median household income | $118,211 | $103,678 | $80,734 |
| Groundwork market score | 71 | 73 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 71 → 60−15.5% over the period
- Employees, 2023
- 254
- Annual payroll, 2023
- $21.3M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 8516 chain locations
- Listings at the U.S. rate for this spending
- 148The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $720K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Carroll 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 Carroll County
- Population, 2025 estimate
- 176,677+2.2% since 2020
- Households
- 64,285
- Median age
- 42.4
- Homes lived in by their owners
- 84%
- Vehicles per household
- 2.1
- Land area
- 448 sq. mi.
- People per square mile
- 392
- Median household income
- $118,211+22.2% vs. 2015–2019, before inflation
- Average household income
- $142,587
- Median home value
- $434,000
- Jobs located here
- 57,897
- Daytime population
- 147,678Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Carroll 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 Carroll 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 Maryland
Every Maryland market ranked →The highest-scoring counties in Maryland for insurance agencies, numbered among those based in Maryland, with Carroll County marked.
Top counties in Maryland
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Queen Anne’s County, MD | 92 | 16 | 8.0 | $3.6M | +8.8% | #30 of 2,272 |
| 2Charles County, MD | 88 | 59 | 9.7 | $2.9M | +5.9% | #83 of 2,272 |
| 3St. Mary’s County, MD | 87 | 34 | 8.0 | $3.5M | +2.4% | #98 of 2,272 |
| 4Calvert County, MD | 85 | 29 | 8.7 | $3.6M | +1.7% | #124 of 2,272 |
| 5Cecil County, MD | 85 | 38 | 9.4 | $2.9M | +3.2% | #126 of 2,272 |
| 6Caroline County, MD | 82 | 11 | 8.8 | $3.1M | +2.5% | #178 of 2,272 |
| 7Frederick County, MD | 80 | 135 | 12.9 | $2.1M | +11.0% | #229 of 2,272 |
| 8Somerset County, MD | 76 | 6 | 7.2 | $3.4M | +1.7% | #304 of 2,272 |
| 9Worcester County, MD | 74 | 25 | 10.4 | $2.4M | +3.7% | #354 of 2,272 |
| 10Prince George’s County, MD | 72 | 327 | 9.4 | $2.4M | +0.5% | #410 of 2,272 |
| 11Carroll County, MD | 71 | 85 | 13.2 | $2.2M | +2.2% | #433 of 2,272 |
Other business types in Carroll 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 Carroll County, MD?
Map listings as of September 2026 show 85 insurance agencies in Carroll County. 16 of them (19%) are chain locations. The listings count insurance agencies. Official counts show 60 businesses with payroll classed as insurance agencies and brokerages in 2023, down 15.5% from 2019.
How much do households in Carroll County, MD spend on vehicle insurance?
About $185.9M a year, or $2,891 per household. That is 48% above the U.S. average (an index of 148, where 100 is the U.S. average). Spread across the 85 insurance agencies on map listings, it comes to $2.2M per agency. It is estimated from the incomes of the 64,285 households in Carroll County and national spending patterns by income.
How does Carroll County, MD compare with the U.S. for insurance agencies?
Carroll County has 13.2 insurance agencies per 10,000 households, 15% below the U.S. rate of 15.6. Spending per agency is $2.2M, 74% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Carroll County would have about 148, against 85 on map listings. There is one business with payroll in the industry for every 1,071 households, against one for every 966 across the U.S. The official count fell 15.5% from 2019 to 2023, against −1.0% for the U.S.
How fast is Carroll County, MD growing?
Population estimates put Carroll County at 176,677 people in 2025, up 2.2% since 2020, slower than the U.S. (+3.1%). It has 64,285 households. Median household income in Carroll County is $118,211, 46% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 22.2%, 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. Carroll County scores 71 for insurance agencies (upper middle), #433 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Carroll 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 Carroll County
Screening a site or an acquisition in Carroll 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 Carroll 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.