Auto · County · Missouri
Insurance agencies in Howard County, MO
Competitor counts, household spending and official business counts for insurance agencies in Howard County, MO, set against other counties and the U.S.
Groundwork market score · out of 100
Score 31 out of 100: Lower middle
Ranked #1,788 of 2,272 scored counties
#40 of 85 scored counties in Missouri
- Listings
- 9
- 3 chain locations (33%)
- Official establishments
- 3
- Businesses with payroll, 2023
- Household spending a year
- $6.6M
- On vehicle insurance · $1,833 a household
- Spending per listing
- $730K
- 42% below the U.S.
- Listings per 10k households
- 25.1
- 61% above the U.S.
- Population, 2025
- 10,180
- +0.3% since 2020
See the insurance agencies around any address in Howard 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 Howard 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 Howard County is 31 (lower middle), #1,788 of 2,272 scored counties and #40 of 85 scored counties in Missouri. That puts it in the bottom quarter of counties.
At $1,833 per household (6% below the U.S. average), households in Howard County spend about $6.6M a year on vehicle insurance. Spread across 9 insurance agencies, that is $730K per agency, 42% below the U.S. figure of $1.3M.
There are 9 insurance agencies on map listings in Howard County as of September 2026. Chain locations make up 33% of them, against 21% across the U.S. Per 10,000 households, that is 25.1, 61% above the U.S. rate of 15.6.
In 2023, official counts showed 3 businesses with payroll in Howard County classed as insurance agencies and brokerages. That is one for every 1,195 households, against one for every 966 across the U.S. Population estimates put the population change in Howard County from 2020 to 2025 at +0.3%, slower than the U.S. (+3.1%).
How Howard 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 | Howard County | Missouri | U.S. |
|---|---|---|---|
| Listings per 10k households | 25.1 | 20.1 | 15.6 |
| Spending per listing | $730K | $810K | $1.3M |
| Households per official establishment | 1,195 | 753 | 966 |
| Official establishment growth, 2019–2023 | n/a | −1.3% | −1.0% |
| Population growth, 2020–2025 | +0.3% | +1.9% | +3.1% |
| Spending per household on vehicle insurance | $1,833 | $1,625 | $1,957 |
| Median household income | $65,938 | $70,702 | $80,734 |
| Groundwork market score | 31 | 19 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 3
- Employees, 2023
- 6
- Annual payroll, 2023
- $304K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 93 chain locations
- Listings at the U.S. rate for this spending
- 5The 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 Howard 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 Howard County
- Population, 2025 estimate
- 10,180+0.3% since 2020
- Households
- 3,585
- Median age
- 39.5
- Homes lived in by their owners
- 79%
- Vehicles per household
- 2.1
- Land area
- 464 sq. mi.
- People per square mile
- 22
- Median household income
- $65,938+25.1% vs. 2015–2019, before inflation
- Average household income
- $83,071
- Median home value
- $159,400
- Jobs located here
- 2,720
- Daytime population
- 8,278Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Howard 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 Howard 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 Howard 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 |
| 40Howard County, MO | 31 | 9 | 25.1 | $730K | +0.3% | #1,788 of 2,272 |
Other business types in Howard 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 Howard County, MO?
As of September 2026, map listings count 9 insurance agencies in Howard County. 3 of them (33%) are chain locations. The listings count insurance agencies. Official counts show 3 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Howard County, MO spend on vehicle insurance?
About $6.6M a year, or $1,833 per household. That is 6% below the U.S. average (an index of 94, where 100 is the U.S. average). Spread across the 9 insurance agencies on map listings, it comes to $730K per agency. It is estimated from the incomes of the 3,585 households in Howard County and national spending patterns by income.
How does Howard County, MO compare with the U.S. for insurance agencies?
Howard County has 25.1 insurance agencies per 10,000 households, 61% above the U.S. rate of 15.6. Spending per agency is $730K, 42% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Howard County would have about 5, against 9 on map listings. There is one business with payroll in the industry for every 1,195 households, against one for every 966 across the U.S.
How fast is Howard County, MO growing?
Population estimates put Howard County at 10,180 people in 2025, up 0.3% since 2020, slower than the U.S. (+3.1%). It has 3,585 households. Median household income in Howard County is $65,938, 18% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 25.1%, 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. Howard County scores 31 for insurance agencies (lower middle), #1,788 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Howard 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 Howard County
Screening a site or an acquisition in Howard 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 Howard 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.