Auto · County · Missouri
Insurance agencies in Cape Girardeau County, MO
The insurance agencies in Cape Girardeau County, MO, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 16 out of 100: Low
Ranked #2,170 of 2,272 scored counties
#72 of 85 scored counties in Missouri
- Listings
- 91
- 21 chain locations (23%)
- Official establishments
- 71
- +12.7% since 2019
- Household spending a year
- $53.7M
- On vehicle insurance · $1,654 a household
- Spending per listing
- $590K
- 53% below the U.S.
- Listings per 10k households
- 28.0
- 79% above the U.S.
- Population, 2025
- 83,999
- +2.7% since 2020
See the insurance agencies around any address in Cape Girardeau 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 Cape Girardeau 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 Cape Girardeau County is 16 (low), #2,170 of 2,272 scored counties and #72 of 85 scored counties in Missouri. That puts it in the bottom quarter of counties.
Map listings as of September 2026 show 91 insurance agencies in Cape Girardeau County. Chain locations make up 23% of them, against 21% across the U.S. That comes to 28.0 for every 10,000 households, 79% above the U.S. rate of 15.6.
At $1,654 per household (15% below the U.S. average), households in Cape Girardeau County spend about $53.7M a year on vehicle insurance. That works out to $590K per agency, 53% below the U.S. figure of $1.3M.
Official counts show 71 businesses with payroll classed as insurance agencies and brokerages in Cape Girardeau County in 2023, up 12.7% from 2019. That is one for every 457 households, against one for every 966 across the U.S. Between 2020 and 2025, the population of Cape Girardeau County grew 2.7%, in step with the U.S. (+3.1%).
How Cape Girardeau County compares
The same measures for Missouri 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 | Cape Girardeau County | Missouri | U.S. |
|---|---|---|---|
| Listings per 10k households | 28.0 | 20.1 | 15.6 |
| Spending per listing | $590K | $810K | $1.3M |
| Households per official establishment | 457 | 753 | 966 |
| Official establishment growth, 2019–2023 | +12.7% | −1.3% | −1.0% |
| Population growth, 2020–2025 | +2.7% | +1.9% | +3.1% |
| Spending per household on vehicle insurance | $1,654 | $1,625 | $1,957 |
| Median household income | $68,464 | $70,702 | $80,734 |
| Groundwork market score | 16 | 19 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 63 → 71+12.7% over the period
- Employees, 2023
- 259
- Annual payroll, 2023
- $12.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 9121 chain locations
- Listings at the U.S. rate for this spending
- 43The 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 Cape Girardeau 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 Cape Girardeau County
- Population, 2025 estimate
- 83,999+2.7% since 2020
- Households
- 32,454
- Median age
- 39.0
- Homes lived in by their owners
- 67%
- Vehicles per household
- 1.9
- Land area
- 579 sq. mi.
- People per square mile
- 143
- Median household income
- $68,464+27.4% vs. 2015–2019, before inflation
- Average household income
- $89,147
- Median home value
- $220,700
- Jobs located here
- 39,481
- Daytime population
- 85,255Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Cape Girardeau 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 Cape Girardeau 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 Missouri
Every Missouri market ranked →The highest-scoring counties in Missouri for insurance agencies, numbered among those based in Missouri, with Cape Girardeau County marked.
Top counties in Missouri
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Washington County, MO | 66 | 7 | 7.8 | $2.2M | +1.6% | #584 of 2,272 |
| 2Lincoln County, MO | 62 | 30 | 13.1 | $1.5M | +11.4% | #736 of 2,272 |
| 3McDonald County, MO | 60 | 10 | 11.7 | $1.5M | +3.1% | #786 of 2,272 |
| 4Andrew County, MO | 59 | 7 | 10.0 | $1.9M | +0.7% | #802 of 2,272 |
| 5Dallas County, MO | 57 | 8 | 11.8 | $1.6M | +5.2% | #881 of 2,272 |
| 6Crawford County, MO | 56 | 10 | 10.4 | $1.7M | −0.4% | #909 of 2,272 |
| 7Newton County, MO | 55 | 27 | 12.2 | $1.5M | +6.1% | #961 of 2,272 |
| 8Pulaski County, MO | 53 | 19 | 11.3 | $1.5M | +0.8% | #1,019 of 2,272 |
| 9Ray County, MO | 53 | 14 | 15.4 | $1.2M | +1.1% | #1,029 of 2,272 |
| 10Ste. Genevieve County, MO | 52 | 10 | 14.0 | $1.5M | +1.1% | #1,044 of 2,272 |
| 72Cape Girardeau County, MO | 16 | 91 | 28.0 | $590K | +2.7% | #2,170 of 2,272 |
Other business types in Cape Girardeau 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 Cape Girardeau County, MO?
There are 91 insurance agencies on map listings in Cape Girardeau County as of September 2026. 21 of them (23%) are chain locations. The listings count insurance agencies. Official counts show 71 businesses with payroll classed as insurance agencies and brokerages in 2023, up 12.7% from 2019.
How much do households in Cape Girardeau County, MO spend on vehicle insurance?
About $53.7M a year, or $1,654 per household. That is 15% below the U.S. average (an index of 85, where 100 is the U.S. average). Spread across the 91 insurance agencies on map listings, it comes to $590K per agency. It is estimated from the incomes of the 32,454 households in Cape Girardeau County and national spending patterns by income.
How does Cape Girardeau County, MO compare with the U.S. for insurance agencies?
Cape Girardeau County has 28.0 insurance agencies per 10,000 households, 79% above the U.S. rate of 15.6. Spending per agency is $590K, 53% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Cape Girardeau County would have about 43, against 91 on map listings. There is one business with payroll in the industry for every 457 households, against one for every 966 across the U.S. The official count rose 12.7% from 2019 to 2023, against −1.0% for the U.S.
How fast is Cape Girardeau County, MO growing?
Population estimates put Cape Girardeau County at 83,999 people in 2025, up 2.7% since 2020, in step with the U.S. (+3.1%). It has 32,454 households. The median household income in Cape Girardeau County is $68,464 a year, 15% below the U.S. median of $80,734. That rose 27.4% 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. Cape Girardeau County scores 16 for insurance agencies (low), #2,170 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Cape Girardeau 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 Cape Girardeau County
Screening a site or an acquisition in Cape Girardeau 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 Cape Girardeau 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.