Auto · County · Minnesota
Insurance agencies in Clay County, MN
How Clay County, MN 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 25 out of 100: Lower middle
Ranked #1,949 of 2,272 scored counties
#43 of 66 scored counties in Minnesota
- Listings
- 45
- 5 chain locations (11%)
- Official establishments
- 40
- −9.1% since 2019
- Household spending a year
- $43.4M
- On vehicle insurance · $1,640 a household
- Spending per listing
- $964K
- 23% below the U.S.
- Listings per 10k households
- 17.0
- 9% above the U.S.
- Population, 2025
- 67,734
- +3.6% since 2020
See the insurance agencies around any address in Clay 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 Clay 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
For insurance agencies, Clay County has a Groundwork market score of 25 (lower middle): #1,949 of 2,272 scored counties and #43 of 66 scored counties in Minnesota. That puts it in the bottom quarter of counties.
Household spending on vehicle insurance in Clay County comes to about $43.4M a year: $1,640 per household, 16% below the U.S. average. Spread across 45 insurance agencies, that is $964K per agency, 23% below the U.S. figure of $1.3M.
Clay County has 45 insurance agencies on map listings as of September 2026. Of those, 5 are chain locations, or 11%, against 21% across the U.S. That is 17.0 per 10,000 households, 9% above the U.S. rate of 15.6.
In 2023, official counts showed 40 businesses with payroll in Clay County classed as insurance agencies and brokerages, down 9.1% from 2019. That is one for every 661 households, against one for every 966 across the U.S. Since fiscal 2022, 3 SBA-backed loans worth $627K have gone to businesses classed as insurance agencies and brokerages in Clay County. Between 2020 and 2025, the population of Clay County grew 3.6%, faster than the U.S. (+3.1%).
How Clay 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 | Clay County | Minnesota | U.S. |
|---|---|---|---|
| Listings per 10k households | 17.0 | 17.3 | 15.6 |
| Spending per listing | $964K | $951K | $1.3M |
| Households per official establishment | 661 | 737 | 966 |
| Official establishment growth, 2019–2023 | −9.1% | −2.3% | −1.0% |
| Population growth, 2020–2025 | +3.6% | +2.1% | +3.1% |
| Spending per household on vehicle insurance | $1,640 | $1,649 | $1,957 |
| Median household income | $81,172 | $89,062 | $80,734 |
| Groundwork market score | 25 | 22 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 44 → 40−9.1% over the period
- Employees, 2023
- 90
- Annual payroll, 2023
- $5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 455 chain locations
- Listings at the U.S. rate for this spending
- 35The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 3
- Amount
- $627K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Clay 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 Clay County
- Population, 2025 estimate
- 67,734+3.6% since 2020
- Households
- 26,442
- Median age
- 34.9
- Homes lived in by their owners
- 66%
- Vehicles per household
- 1.9
- Land area
- 1,045 sq. mi.
- People per square mile
- 63
- Median household income
- $81,172+24.4% vs. 2015–2019, before inflation
- Average household income
- $99,798
- Median home value
- $265,500
- Jobs located here
- 20,888
- Daytime population
- 54,566Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Clay 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 Clay 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 Clay 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 |
| 43Clay County, MN | 25 | 45 | 17.0 | $964K | +3.6% | #1,949 of 2,272 |
Other business types in Clay 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 Clay County, MN?
Map listings as of September 2026 show 45 insurance agencies in Clay County. 5 of them (11%) are chain locations. The listings count insurance agencies. Official counts show 40 businesses with payroll classed as insurance agencies and brokerages in 2023, down 9.1% from 2019.
How much do households in Clay County, MN spend on vehicle insurance?
About $43.4M a year, or $1,640 per household. That is 16% below the U.S. average (an index of 84, where 100 is the U.S. average). Spread across the 45 insurance agencies on map listings, it comes to $964K per agency. It is estimated from the incomes of the 26,442 households in Clay County and national spending patterns by income.
How does Clay County, MN compare with the U.S. for insurance agencies?
Clay County has 17.0 insurance agencies per 10,000 households, 9% above the U.S. rate of 15.6. Spending per agency is $964K, 23% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Clay County would have about 35, against 45 on map listings. There is one business with payroll in the industry for every 661 households, against one for every 966 across the U.S. The official count fell 9.1% from 2019 to 2023, against −1.0% for the U.S.
How fast is Clay County, MN growing?
Population estimates put Clay County at 67,734 people in 2025, up 3.6% since 2020, faster than the U.S. (+3.1%). It has 26,442 households. Median household income in Clay County is $81,172, in line with the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 24.4%, 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. Clay County scores 25 for insurance agencies (lower middle), #1,949 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Clay 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 Clay County
Screening a site or an acquisition in Clay 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 Clay 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.