Auto · Small-town market · North Carolina
Insurance agencies in the Shelby-Kings Mountain, NC area
The insurance agencies in the Shelby-Kings Mountain, NC area, the household spending behind them and how the market ranks against other small-town markets.
Groundwork market score · out of 100
Score 91 out of 100: Very high
Ranked #11 of 537 scored small-town markets
#2 of 23 scored small-town markets based in North Carolina
- Listings
- 40
- 9 chain locations (23%)
- Official establishments
- 21
- −22.2% since 2019
- Household spending a year
- $107.3M
- On vehicle insurance · $2,762 a household
- Spending per listing
- $2.7M
- 2.1 times the U.S.
- Listings per 10k households
- 10.3
- 34% below the U.S.
- Population, 2025
- 103,325
- +3.4% since 2020
See the insurance agencies around any address in the Shelby-Kings Mountain area
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 the Shelby-Kings Mountain area. 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 the Shelby-Kings Mountain area is 91 (very high), #11 of 537 scored small-town markets and #2 of 23 scored small-town markets based in North Carolina. That puts it in the top 10% of small-town markets for insurance agencies.
Map listings as of September 2026 show 40 insurance agencies in the Shelby-Kings Mountain area. Of those, 9 are chain locations, or 23%, against 21% across the U.S. That comes to 10.3 for every 10,000 households, 34% below the U.S. rate of 15.6.
Household spending on vehicle insurance in the Shelby-Kings Mountain area comes to about $107.3M a year: $2,762 per household, 41% above the U.S. average. Spread across 40 insurance agencies, that is $2.7M per agency, 2.1 times the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in the Shelby-Kings Mountain area was 21 in 2023, down 22.2% from 2019. That is one for every 1,850 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $500K has gone to businesses classed as insurance agencies and brokerages in the Shelby-Kings Mountain area. Between 2020 and 2025, the population of the Shelby-Kings Mountain area grew 3.4%, in step with the U.S. (+3.1%).
How the Shelby-Kings Mountain area 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 | Shelby-Kings Mountain area | North Carolina | U.S. |
|---|---|---|---|
| Listings per 10k households | 10.3 | 13.0 | 15.6 |
| Spending per listing | $2.7M | $2M | $1.3M |
| Households per official establishment | 1,850 | 1,094 | 966 |
| Official establishment growth, 2019–2023 | −22.2% | +0.1% | −1.0% |
| Population growth, 2020–2025 | +3.4% | +7.2% | +3.1% |
| Spending per household on vehicle insurance | $2,762 | $2,564 | $1,957 |
| Median household income | $58,534 | $72,388 | $80,734 |
| Groundwork market score | 91 | 84 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 21−22.2% over the period
- Employees, 2023
- 92
- Annual payroll, 2023
- $6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 409 chain locations
- Listings at the U.S. rate for this spending
- 85The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $500K
SBA-backed loans to businesses classed as insurance agencies and brokerages in the Shelby-Kings Mountain area, 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 the Shelby-Kings Mountain area
- Population, 2025 estimate
- 103,325+3.4% since 2020
- Households
- 38,850
- Median age
- 41.3
- Homes lived in by their owners
- 71%
- Vehicles per household
- 2.1
- Land area
- 464 sq. mi.
- People per square mile
- 218
- Median household income
- $58,534+38.6% vs. 2015–2019, before inflation
- Average household income
- $76,018
- Median home value
- $200,000
- Jobs located here
- 34,727
- Daytime population
- 92,263Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Shelby-Kings Mountain area?
These figures cover the whole small-town market. 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 the Shelby-Kings Mountain area. 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 small-town markets in North Carolina for insurance agencies, numbered among those based in North Carolina, with the Shelby-Kings Mountain area marked.
Top small-town markets in North Carolina
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Anderson Creek, NC | 91 | 48 | 9.6 | $2.9M | +12.3% | #10 of 537 |
| 2Shelby-Kings Mountain, NC | 91 | 40 | 10.3 | $2.7M | +3.4% | #11 of 537 |
| 3Morehead City, NC | 89 | 28 | 8.8 | $2.9M | +4.1% | #14 of 537 |
| 4Forest City, NC | 89 | 25 | 9.4 | $2.9M | +2.1% | #15 of 537 |
| 5Marion, NC | 88 | 17 | 9.1 | $3M | +1.5% | #19 of 537 |
| 6Albemarle, NC | 87 | 26 | 10.3 | $2.8M | +9.8% | #24 of 537 |
| 7North Wilkesboro, NC | 83 | 25 | 9.2 | $3M | +0.6% | #38 of 537 |
| 8Lumberton, NC | 81 | 55 | 12.8 | $2M | +3.4% | #47 of 537 |
| 9Boone, NC | 80 | 18 | 8.5 | $3M | +0.6% | #49 of 537 |
| 10New Bern, NC | 80 | 63 | 12.0 | $2.1M | +3.6% | #51 of 537 |
Other business types in the Shelby-Kings Mountain area
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 the Shelby-Kings Mountain, NC area?
There are 40 insurance agencies on map listings in the Shelby-Kings Mountain area as of September 2026. 9 of them (23%) are chain locations. The listings count insurance agencies. Official counts show 21 businesses with payroll classed as insurance agencies and brokerages in 2023, down 22.2% from 2019.
How much do households in the Shelby-Kings Mountain, NC area spend on vehicle insurance?
About $107.3M a year, or $2,762 per household. That is 41% above the U.S. average (an index of 141, where 100 is the U.S. average). Spread across the 40 insurance agencies on map listings, it comes to $2.7M per agency. It is estimated from the incomes of the 38,850 households in the Shelby-Kings Mountain area and national spending patterns by income.
How does the Shelby-Kings Mountain, NC area compare with the U.S. for insurance agencies?
The Shelby-Kings Mountain area has 10.3 insurance agencies per 10,000 households, 34% below the U.S. rate of 15.6. Spending per agency is $2.7M, 2.1 times the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Shelby-Kings Mountain area would have about 85, against 40 on map listings. There is one business with payroll in the industry for every 1,850 households, against one for every 966 across the U.S. The official count fell 22.2% from 2019 to 2023, against −1.0% for the U.S.
How fast is the Shelby-Kings Mountain, NC area growing?
Population estimates put the Shelby-Kings Mountain area at 103,325 people in 2025, up 3.4% since 2020, in step with the U.S. (+3.1%). It has 38,850 households. The median household income in the Shelby-Kings Mountain area is $58,534 a year, 27% below the U.S. median of $80,734. That rose 38.6% 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. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. 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. The Shelby-Kings Mountain area scores 91 for insurance agencies (very high), #11 of 537 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Shelby-Kings Mountain area. 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 the Shelby-Kings Mountain area
Screening a site or an acquisition in the Shelby-Kings Mountain area?
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 the Shelby-Kings Mountain area. 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.