Auto · County · Minnesota
Insurance agencies in Carlton County, MN
Competitor counts, household spending and official business counts for insurance agencies in Carlton County, MN, set against other counties and the U.S.
Groundwork market score · out of 100
Score 43 out of 100: Lower middle
Ranked #1,374 of 2,272 scored counties
#15 of 66 scored counties in Minnesota
- Listings
- 24
- 4 chain locations (17%)
- Official establishments
- 11
- Businesses with payroll, 2023
- Household spending a year
- $26.6M
- On vehicle insurance · $1,891 a household
- Spending per listing
- $1.1M
- 12% below the U.S.
- Listings per 10k households
- 17.0
- 9% above the U.S.
- Population, 2025
- 36,711
- +1.4% since 2020
See the insurance agencies around any address in Carlton 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 Carlton 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
As of September 2026, map listings count 24 insurance agencies in Carlton County. Of those, 4 are chain locations, or 17%, against 21% across the U.S. That is 17.0 per 10,000 households, 9% above the U.S. rate of 15.6.
Household spending on vehicle insurance in Carlton County comes to about $26.6M a year: $1,891 per household, 3% below the U.S. average. That works out to $1.1M per agency, 12% below the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Carlton County was 11 in 2023. That is one for every 1,281 households, against one for every 966 across the U.S.
Between 2020 and 2025, the population of Carlton County grew 1.4%, slower than the U.S. (+3.1%). The Groundwork market score for insurance agencies in Carlton County is 43 (lower middle), #1,374 of 2,272 scored counties and #15 of 66 scored counties in Minnesota.
How Carlton County compares
The same measures for Minnesota 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 | Carlton County | Minnesota | U.S. |
|---|---|---|---|
| Listings per 10k households | 17.0 | 17.3 | 15.6 |
| Spending per listing | $1.1M | $951K | $1.3M |
| Households per official establishment | 1,281 | 737 | 966 |
| Official establishment growth, 2019–2023 | n/a | −2.3% | −1.0% |
| Population growth, 2020–2025 | +1.4% | +2.1% | +3.1% |
| Spending per household on vehicle insurance | $1,891 | $1,649 | $1,957 |
| Median household income | $80,573 | $89,062 | $80,734 |
| Groundwork market score | 43 | 22 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 11 → 11
- Employees, 2023
- 34
- Annual payroll, 2023
- $2.5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 244 chain locations
- Listings at the U.S. rate for this spending
- 21The 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 Carlton 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 Carlton County
- Population, 2025 estimate
- 36,711+1.4% since 2020
- Households
- 14,090
- Median age
- 41.4
- Homes lived in by their owners
- 80%
- Vehicles per household
- 2.1
- Land area
- 861 sq. mi.
- People per square mile
- 42
- Median household income
- $80,573+27.7% vs. 2015–2019, before inflation
- Average household income
- $99,202
- Median home value
- $245,100
- Jobs located here
- 12,806
- Daytime population
- 32,171Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Carlton 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 Carlton 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 Minnesota
Every Minnesota market ranked →The highest-scoring counties in Minnesota for insurance agencies, numbered among those based in Minnesota, with Carlton County marked.
Top counties in Minnesota
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Cass County, MN | 75 | 5 | 3.9 | $4.7M | +4.2% | #326 of 2,272 |
| 2Isanti County, MN | 70 | 18 | 11.0 | $1.8M | +7.3% | #479 of 2,272 |
| 3Pine County, MN | 69 | 12 | 9.7 | $2M | +5.5% | #504 of 2,272 |
| 4Kanabec County, MN | 65 | 8 | 12.2 | $1.7M | +3.6% | #630 of 2,272 |
| 5Chisago County, MN | 62 | 20 | 9.4 | $2.1M | +4.3% | #719 of 2,272 |
| 6Aitkin County, MN | 61 | 6 | 8.3 | $2.1M | +3.5% | #748 of 2,272 |
| 7Sherburne County, MN | 59 | 36 | 10.1 | $1.9M | +6.8% | #801 of 2,272 |
| 8Mille Lacs County, MN | 56 | 13 | 12.2 | $1.6M | +4.8% | #917 of 2,272 |
| 9Dodge County, MN | 50 | 10 | 12.4 | $1.6M | +2.3% | #1,107 of 2,272 |
| 10Wright County, MN | 48 | 81 | 15.0 | $1.3M | +11.1% | #1,196 of 2,272 |
| 15Carlton County, MN | 43 | 24 | 17.0 | $1.1M | +1.4% | #1,374 of 2,272 |
Other business types in Carlton 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 Carlton County, MN?
Carlton County has 24 insurance agencies on map listings as of September 2026. 4 of them (17%) are chain locations. The listings count insurance agencies. Official counts show 11 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Carlton County, MN spend on vehicle insurance?
About $26.6M a year, or $1,891 per household. That is 3% below the U.S. average (an index of 97, where 100 is the U.S. average). Spread across the 24 insurance agencies on map listings, it comes to $1.1M per agency. It is estimated from the incomes of the 14,090 households in Carlton County and national spending patterns by income.
How does Carlton County, MN compare with the U.S. for insurance agencies?
Carlton County has 17.0 insurance agencies per 10,000 households, 9% above the U.S. rate of 15.6. Spending per agency is $1.1M, 12% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Carlton County would have about 21, against 24 on map listings. There is one business with payroll in the industry for every 1,281 households, against one for every 966 across the U.S.
How fast is Carlton County, MN growing?
Population estimates put Carlton County at 36,711 people in 2025, up 1.4% since 2020, slower than the U.S. (+3.1%). It has 14,090 households. The median household income in Carlton County is $80,573 a year, in line with the U.S. median of $80,734. That rose 27.7% 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. Carlton County scores 43 for insurance agencies (lower middle), #1,374 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Carlton 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 Carlton County
Screening a site or an acquisition in Carlton 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 Carlton 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.