Auto · County · Missouri
Insurance agencies in Cole County, MO
How Cole County, MO 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 18 out of 100: Low
Ranked #2,125 of 2,272 scored counties
#66 of 85 scored counties in Missouri
- Listings
- 87
- 13 chain locations (15%)
- Official establishments
- 44
- −17.0% since 2019
- Household spending a year
- $52M
- On vehicle insurance · $1,673 a household
- Spending per listing
- $598K
- 52% below the U.S.
- Listings per 10k households
- 28.0
- 79% above the U.S.
- Population, 2025
- 77,908
- +1.7% since 2020
See the insurance agencies around any address in Cole 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 Cole 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 Cole County is 18 (low), #2,125 of 2,272 scored counties and #66 of 85 scored counties in Missouri. That puts it in the bottom quarter of counties.
As of September 2026, map listings count 87 insurance agencies in Cole County. Chain locations make up 15% of them, against 21% across the U.S. Per 10,000 households, that is 28.0, 79% above the U.S. rate of 15.6.
At $1,673 per household (15% below the U.S. average), households in Cole County spend about $52M a year on vehicle insurance. That works out to $598K per agency, 52% below the U.S. figure of $1.3M.
Official counts show 44 businesses with payroll classed as insurance agencies and brokerages in Cole County in 2023, down 17.0% from 2019. That is one for every 707 households, against one for every 966 across the U.S. Population estimates put the population change in Cole County from 2020 to 2025 at +1.7%, slower than the U.S. (+3.1%).
How Cole 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 | Cole County | Missouri | U.S. |
|---|---|---|---|
| Listings per 10k households | 28.0 | 20.1 | 15.6 |
| Spending per listing | $598K | $810K | $1.3M |
| Households per official establishment | 707 | 753 | 966 |
| Official establishment growth, 2019–2023 | −17.0% | −1.3% | −1.0% |
| Population growth, 2020–2025 | +1.7% | +1.9% | +3.1% |
| Spending per household on vehicle insurance | $1,673 | $1,625 | $1,957 |
| Median household income | $74,876 | $70,702 | $80,734 |
| Groundwork market score | 18 | 19 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 53 → 44−17.0% over the period
- Employees, 2023
- 375
- Annual payroll, 2023
- $32.1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 8713 chain locations
- Listings at the U.S. rate for this spending
- 41The 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 Cole 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 Cole County
- Population, 2025 estimate
- 77,908+1.7% since 2020
- Households
- 31,086
- Median age
- 40.1
- Homes lived in by their owners
- 68%
- Vehicles per household
- 1.9
- Land area
- 392 sq. mi.
- People per square mile
- 197
- Median household income
- $74,876+24.7% vs. 2015–2019, before inflation
- Average household income
- $95,025
- Median home value
- $229,600
- Jobs located here
- 56,757
- Daytime population
- 96,838Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Cole 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 Cole 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 Cole 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 |
| 66Cole County, MO | 18 | 87 | 28.0 | $598K | +1.7% | #2,125 of 2,272 |
Other business types in Cole 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 Cole County, MO?
Cole County has 87 insurance agencies on map listings as of September 2026. 13 of them (15%) are chain locations. The listings count insurance agencies. Official counts show 44 businesses with payroll classed as insurance agencies and brokerages in 2023, down 17.0% from 2019.
How much do households in Cole County, MO spend on vehicle insurance?
About $52M a year, or $1,673 per household. That is 15% below the U.S. average (an index of 85, where 100 is the U.S. average). Spread across the 87 insurance agencies on map listings, it comes to $598K per agency. It is estimated from the incomes of the 31,086 households in Cole County and national spending patterns by income.
How does Cole County, MO compare with the U.S. for insurance agencies?
Cole County has 28.0 insurance agencies per 10,000 households, 79% above the U.S. rate of 15.6. Spending per agency is $598K, 52% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Cole County would have about 41, against 87 on map listings. There is one business with payroll in the industry for every 707 households, against one for every 966 across the U.S. The official count fell 17.0% from 2019 to 2023, against −1.0% for the U.S.
How fast is Cole County, MO growing?
Population estimates put Cole County at 77,908 people in 2025, up 1.7% since 2020, slower than the U.S. (+3.1%). It has 31,086 households. The median household income in Cole County is $74,876 a year, 7% below the U.S. median of $80,734. That rose 24.7% 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. Cole County scores 18 for insurance agencies (low), #2,125 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Cole 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 Cole County
Screening a site or an acquisition in Cole 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 Cole 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.