Auto · County · North Carolina
Insurance agencies in Lincoln County, NC
Competitor counts, household spending and official business counts for insurance agencies in Lincoln County, NC, set against other counties and the U.S.
Groundwork market score · out of 100
Score 85 out of 100: High
Ranked #125 of 2,272 scored counties
#16 of 90 scored counties in North Carolina
- Listings
- 33
- 9 chain locations (27%)
- Official establishments
- 33
- +6.5% since 2019
- Household spending a year
- $107.4M
- On vehicle insurance · $2,918 a household
- Spending per listing
- $3.3M
- 2.6 times the U.S.
- Listings per 10k households
- 9.0
- 42% below the U.S.
- Population, 2025
- 98,654
- +13.2% since 2020
See the insurance agencies around any address in Lincoln 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 Lincoln 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 Lincoln County is 85 (high), #125 of 2,272 scored counties and #16 of 90 scored counties in North Carolina. That puts it in the top 10% of counties for insurance agencies.
At $2,918 per household (49% above the U.S. average), households in Lincoln County spend about $107.4M a year on vehicle insurance. Spread across 33 insurance agencies, that is $3.3M per agency, 2.6 times the U.S. figure of $1.3M.
Lincoln County has 33 insurance agencies on map listings as of September 2026. 9 of them (27%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 9.0, 42% below the U.S. rate of 15.6.
The official count of businesses with payroll classed as insurance agencies and brokerages in Lincoln County was 33 in 2023, up 6.5% from 2019. That is one for every 1,115 households, against one for every 966 across the U.S. Population estimates show Lincoln County grew 13.2% from 2020 to 2025, faster than the U.S. (+3.1%).
How Lincoln County compares
The same measures for North Carolina 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 | Lincoln County | North Carolina | U.S. |
|---|---|---|---|
| Listings per 10k households | 9.0 | 13.0 | 15.6 |
| Spending per listing | $3.3M | $2M | $1.3M |
| Households per official establishment | 1,115 | 1,094 | 966 |
| Official establishment growth, 2019–2023 | +6.5% | +0.1% | −1.0% |
| Population growth, 2020–2025 | +13.2% | +7.2% | +3.1% |
| Spending per household on vehicle insurance | $2,918 | $2,564 | $1,957 |
| Median household income | $80,016 | $72,388 | $80,734 |
| Groundwork market score | 85 | 84 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 31 → 33+6.5% over the period
- Employees, 2023
- 91
- Annual payroll, 2023
- $4.8M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 339 chain locations
- Listings at the U.S. rate for this spending
- 86The 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 Lincoln 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 Lincoln County
- Population, 2025 estimate
- 98,654+13.2% since 2020
- Households
- 36,811
- Median age
- 44.7
- Homes lived in by their owners
- 79%
- Vehicles per household
- 2.2
- Land area
- 296 sq. mi.
- People per square mile
- 313
- Median household income
- $80,016+39.1% vs. 2015–2019, before inflation
- Average household income
- $108,694
- Median home value
- $321,000
- Jobs located here
- 27,413
- Daytime population
- 76,555Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Lincoln 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 Lincoln 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 North Carolina
Every North Carolina market ranked →The highest-scoring counties in North Carolina for insurance agencies, numbered among those based in North Carolina, with Lincoln County marked.
Top counties in North Carolina
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Currituck County, NC | 98 | 10 | 8.4 | $3.9M | +16.7% | #2 of 2,272 |
| 2Hoke County, NC | 95 | 11 | 5.7 | $4.7M | +9.0% | #14 of 2,272 |
| 3Franklin County, NC | 95 | 24 | 8.4 | $3.4M | +18.8% | #20 of 2,272 |
| 4Brunswick County, NC | 94 | 47 | 6.8 | $3.9M | +26.5% | #25 of 2,272 |
| 5Chatham County, NC | 91 | 26 | 7.9 | $3.5M | +11.0% | #45 of 2,272 |
| 6Pender County, NC | 90 | 12 | 4.7 | $5.9M | +19.0% | #52 of 2,272 |
| 7Polk County, NC | 90 | 6 | 6.7 | $4M | +6.0% | #53 of 2,272 |
| 8Johnston County, NC | 90 | 80 | 9.3 | $3.1M | +17.9% | #58 of 2,272 |
| 9Madison County, NC | 88 | 6 | 7.2 | $3.9M | +5.9% | #80 of 2,272 |
| 10Stokes County, NC | 88 | 15 | 7.7 | $3.9M | +3.5% | #81 of 2,272 |
| 16Lincoln County, NC | 85 | 33 | 9.0 | $3.3M | +13.2% | #125 of 2,272 |
Other business types in Lincoln 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 Lincoln County, NC?
Map listings as of September 2026 show 33 insurance agencies in Lincoln County. 9 of them (27%) are chain locations. The listings count insurance agencies. Official counts show 33 businesses with payroll classed as insurance agencies and brokerages in 2023, up 6.5% from 2019.
How much do households in Lincoln County, NC spend on vehicle insurance?
About $107.4M a year, or $2,918 per household. That is 49% above the U.S. average (an index of 149, where 100 is the U.S. average). Spread across the 33 insurance agencies on map listings, it comes to $3.3M per agency. It is estimated from the incomes of the 36,811 households in Lincoln County and national spending patterns by income.
How does Lincoln County, NC compare with the U.S. for insurance agencies?
Lincoln County has 9.0 insurance agencies per 10,000 households, 42% below the U.S. rate of 15.6. Spending per agency is $3.3M, 2.6 times the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Lincoln County would have about 86, against 33 on map listings. There is one business with payroll in the industry for every 1,115 households, against one for every 966 across the U.S. The official count rose 6.5% from 2019 to 2023, against −1.0% for the U.S.
How fast is Lincoln County, NC growing?
Population estimates put Lincoln County at 98,654 people in 2025, up 13.2% since 2020, faster than the U.S. (+3.1%). It has 36,811 households. Median household income in Lincoln County is $80,016, in line with the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 39.1%, 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. Lincoln County scores 85 for insurance agencies (high), #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 Lincoln 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 Lincoln County
Screening a site or an acquisition in Lincoln 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 Lincoln 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.