Auto · County · Minnesota
Insurance agencies in St. Louis County, MN
Competitor counts, household spending and official business counts for insurance agencies in St. Louis County, MN, set against other counties and the U.S.
Groundwork market score · out of 100
Score 29 out of 100: Lower middle
Ranked #1,833 of 2,272 scored counties
#36 of 66 scored counties in Minnesota
- Listings
- 128
- 28 chain locations (22%)
- Official establishments
- 89
- −7.3% since 2019
- Household spending a year
- $142.2M
- On vehicle insurance · $1,632 a household
- Spending per listing
- $1.1M
- 12% below the U.S.
- Listings per 10k households
- 14.7
- 6% below the U.S.
- Population, 2025
- 200,518
- +0.2% since 2020
See the insurance agencies around any address in St. Louis 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 St. Louis 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
The Groundwork market score for insurance agencies in St. Louis County is 29 (lower middle), #1,833 of 2,272 scored counties and #36 of 66 scored counties in Minnesota. That puts it in the bottom quarter of counties.
At $1,632 per household (17% below the U.S. average), households in St. Louis County spend about $142.2M a year on vehicle insurance. That is about $1.1M of household spending for each agency on map listings, 12% below the U.S. figure of $1.3M.
There are 128 insurance agencies on map listings in St. Louis County as of September 2026. 28 of them (22%) are chain locations, against 21% across the U.S. That comes to 14.7 for every 10,000 households, 6% below the U.S. rate of 15.6.
In 2023, official counts showed 89 businesses with payroll in St. Louis County classed as insurance agencies and brokerages, down 7.3% from 2019. That is one for every 979 households, against one for every 966 across the U.S. Population estimates put the population change in St. Louis County from 2020 to 2025 at +0.2%, slower than the U.S. (+3.1%).
How St. Louis 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 | St. Louis County | Minnesota | U.S. |
|---|---|---|---|
| Listings per 10k households | 14.7 | 17.3 | 15.6 |
| Spending per listing | $1.1M | $951K | $1.3M |
| Households per official establishment | 979 | 737 | 966 |
| Official establishment growth, 2019–2023 | −7.3% | −2.3% | −1.0% |
| Population growth, 2020–2025 | +0.2% | +2.1% | +3.1% |
| Spending per household on vehicle insurance | $1,632 | $1,649 | $1,957 |
| Median household income | $70,069 | $89,062 | $80,734 |
| Groundwork market score | 29 | 22 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 96 → 89−7.3% over the period
- Employees, 2023
- 373
- Annual payroll, 2023
- $25.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 12828 chain locations
- Listings at the U.S. rate for this spending
- 113The 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 St. Louis 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 St. Louis County
- Population, 2025 estimate
- 200,518+0.2% since 2020
- Households
- 87,115
- Median age
- 42.5
- Homes lived in by their owners
- 71%
- Vehicles per household
- 1.9
- Land area
- 6,248 sq. mi.
- People per square mile
- 32
- Median household income
- $70,069+25.9% vs. 2015–2019, before inflation
- Average household income
- $93,368
- Median home value
- $221,400
- Jobs located here
- 98,963
- Daytime population
- 212,532Residents who don’t work, plus everyone whose job is here
Looking at a specific site in St. Louis 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 St. Louis 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 St. Louis 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 |
| 36St. Louis County, MN | 29 | 128 | 14.7 | $1.1M | +0.2% | #1,833 of 2,272 |
Other business types in St. Louis 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 St. Louis County, MN?
As of September 2026, map listings count 128 insurance agencies in St. Louis County. 28 of them (22%) are chain locations. The listings count insurance agencies. Official counts show 89 businesses with payroll classed as insurance agencies and brokerages in 2023, down 7.3% from 2019.
How much do households in St. Louis County, MN spend on vehicle insurance?
About $142.2M a year, or $1,632 per household. That is 17% below the U.S. average (an index of 83, where 100 is the U.S. average). Spread across the 128 insurance agencies on map listings, it comes to $1.1M per agency. It is estimated from the incomes of the 87,115 households in St. Louis County and national spending patterns by income.
How does St. Louis County, MN compare with the U.S. for insurance agencies?
St. Louis County has 14.7 insurance agencies per 10,000 households, 6% below the U.S. rate of 15.6. Spending per agency is $1.1M, 12% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, St. Louis County would have about 113, against 128 on map listings. There is one business with payroll in the industry for every 979 households, against one for every 966 across the U.S. The official count fell 7.3% from 2019 to 2023, against −1.0% for the U.S.
How fast is St. Louis County, MN growing?
Population estimates put St. Louis County at 200,518 people in 2025, up 0.2% since 2020, slower than the U.S. (+3.1%). It has 87,115 households. Median household income in St. Louis County is $70,069, 13% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 25.9%, 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. St. Louis County scores 29 for insurance agencies (lower middle), #1,833 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in St. Louis 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 St. Louis County
Screening a site or an acquisition in St. Louis 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 St. Louis 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.