Auto · County · Michigan
Insurance agencies in Luce County, MI
The insurance agencies in Luce County, MI, the household spending behind them and how the market ranks against other counties.
Groundwork market score
Not scored
Counties under 10,000 people aren’t scored, since a few businesses can swing their figures.
- Listings
- 5
- 0 chain locations (0%)
- Official establishments
- 3
- Businesses with payroll, 2023
- Household spending a year
- $3.9M
- On vehicle insurance · $1,591 a household
- Spending per listing
- $781K
- 38% below the U.S.
- Listings per 10k households
- 20.4
- 31% above the U.S.
- Population, 2025
- 6,339
- −1.1% since 2020
See the insurance agencies around any address in Luce 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 Luce 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 Luce County spend about $3.9M a year on vehicle insurance, or $1,591 per household, 19% below the U.S. average. Spread across 5 insurance agencies, that is $781K per agency, 38% below the U.S. figure of $1.3M.
Luce County has 5 insurance agencies on map listings as of September 2026. None of them are chain locations, against 21% across the U.S. That is 20.4 per 10,000 households, 31% above the U.S. rate of 15.6.
In 2023, official counts showed 3 businesses with payroll in Luce County classed as insurance agencies and brokerages. That is one for every 818 households, against one for every 966 across the U.S.
Between 2020 and 2025, the population of Luce County declined 1.1%, against +3.1% for the U.S. Counties under 10,000 people aren’t given a market score, since a few businesses can swing their figures.
How Luce County compares
The same measures for Michigan 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 | Luce County | Michigan | U.S. |
|---|---|---|---|
| Listings per 10k households | 20.4 | 13.5 | 15.6 |
| Spending per listing | $781K | $1.2M | $1.3M |
| Households per official establishment | 818 | 1,108 | 966 |
| Official establishment growth, 2019–2023 | n/a | −3.9% | −1.0% |
| Population growth, 2020–2025 | −1.1% | +0.6% | +3.1% |
| Spending per household on vehicle insurance | $1,591 | $1,558 | $1,957 |
| Median household income | $54,893 | $72,875 | $80,734 |
| Groundwork market score | Not scored | 33 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 4 → 3
- Employees, 2023
- 13
- Annual payroll, 2023
- $1.1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 50 chain locations
- Listings at the U.S. rate for this spending
- 3The 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 Luce 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 Luce County
- Population, 2025 estimate
- 6,339−1.1% since 2020
- Households
- 2,455
- Median age
- 44.9
- Homes lived in by their owners
- 83%
- Vehicles per household
- 1.8
- Land area
- 899 sq. mi.
- People per square mile
- 7
- Median household income
- $54,893
- Average household income
- $67,121
- Median home value
- $112,000
- Jobs located here
- 1,744
- Daytime population
- 6,071Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Luce 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 Luce 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 Michigan
Every Michigan market ranked →The highest-scoring counties in Michigan for insurance agencies, numbered among those based in Michigan, with Luce County marked.
Top counties in Michigan
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Oceana County, MI | 73 | 6 | 5.8 | $3.1M | +1.7% | #374 of 2,272 |
| 2Antrim County, MI | 69 | 9 | 8.1 | $2.1M | +5.3% | #498 of 2,272 |
| 3Manistee County, MI | 68 | 6 | 5.7 | $3M | +2.3% | #516 of 2,272 |
| 4Kalkaska County, MI | 67 | 5 | 6.4 | $2.7M | +4.3% | #541 of 2,272 |
| 5Gladwin County, MI | 67 | 8 | 7.1 | $2.3M | +2.8% | #553 of 2,272 |
| 6Allegan County, MI | 63 | 42 | 9.2 | $2M | +2.1% | #686 of 2,272 |
| 7Newaygo County, MI | 63 | 20 | 10.2 | $1.7M | +3.1% | #699 of 2,272 |
| 8Barry County, MI | 61 | 24 | 9.8 | $1.9M | +2.2% | #755 of 2,272 |
| 9Missaukee County, MI | 60 | 5 | 8.5 | $2M | +1.4% | #774 of 2,272 |
| 10Cass County, MI | 58 | 18 | 8.5 | $2.1M | +0.2% | #831 of 2,272 |
| Luce County, MI | Not scored | 5 | 20.4 | $781K | −1.1% |
Other business types in Luce County
None has a Groundwork market score here. Counties under 10,000 people aren’t scored, since a few businesses can swing their figures.
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 Luce County, MI?
Map listings as of September 2026 show 5 insurance agencies in Luce County. None of them are chain locations. The listings count insurance agencies. Official counts show 3 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Luce County, MI spend on vehicle insurance?
About $3.9M a year, or $1,591 per household. That is 19% below the U.S. average (an index of 81, where 100 is the U.S. average). Spread across the 5 insurance agencies on map listings, it comes to $781K per agency. It is estimated from the incomes of the 2,455 households in Luce County and national spending patterns by income.
How does Luce County, MI compare with the U.S. for insurance agencies?
Luce County has 20.4 insurance agencies per 10,000 households, 31% above the U.S. rate of 15.6. Spending per agency is $781K, 38% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Luce County would have about 3, against 5 on map listings. There is one business with payroll in the industry for every 818 households, against one for every 966 across the U.S.
How fast is Luce County, MI growing?
Population estimates put Luce County at 6,339 people in 2025, down 1.1% since 2020, against +3.1% for the U.S. It has 2,455 households. Median household income in Luce County is $54,893, 32% below the U.S. median of $80,734.
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. The score leaves out counties under 10,000 people, where a handful of businesses would swing it.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Luce 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 Luce County
Screening a site or an acquisition in Luce 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 Luce 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.