Auto · County · Ohio
Insurance agencies in Hardin County, OH
The insurance agencies in Hardin County, OH, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 44 out of 100: Lower middle
Ranked #1,309 of 2,272 scored counties
#33 of 87 scored counties in Ohio
- Listings
- 14
- 1 chain location (7%)
- Official establishments
- 10
- Businesses with payroll, 2023
- Household spending a year
- $21.8M
- On vehicle insurance · $1,861 a household
- Spending per listing
- $1.6M
- 24% above the U.S.
- Listings per 10k households
- 11.9
- 24% below the U.S.
- Population, 2025
- 30,072
- −2.1% since 2020
See the insurance agencies around any address in Hardin 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 Hardin 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
As of September 2026, map listings count 14 insurance agencies in Hardin County. One of them (7%) is a chain location, against 21% across the U.S. That comes to 11.9 for every 10,000 households, 24% below the U.S. rate of 15.6.
Households in Hardin County spend about $21.8M a year on vehicle insurance, or $1,861 per household, 5% below the U.S. average. That is about $1.6M of household spending for each agency on map listings, 24% above the U.S. figure of $1.3M.
In 2023, official counts showed 10 businesses with payroll in Hardin County classed as insurance agencies and brokerages. That is one for every 1,172 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $2.6M has gone to businesses classed as insurance agencies and brokerages in Hardin County.
Population estimates show Hardin County declined 2.1% from 2020 to 2025, against +3.1% for the U.S. Hardin County scores 44 (lower middle) on the Groundwork market score for insurance agencies, ranking #1,309 of 2,272 scored counties and #33 of 87 scored counties in Ohio.
How Hardin County compares
The same measures for Ohio 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 | Hardin County | Ohio | U.S. |
|---|---|---|---|
| Listings per 10k households | 11.9 | 14.2 | 15.6 |
| Spending per listing | $1.6M | $1.1M | $1.3M |
| Households per official establishment | 1,172 | 1,110 | 966 |
| Official establishment growth, 2019–2023 | n/a | −6.8% | −1.0% |
| Population growth, 2020–2025 | −2.1% | +0.9% | +3.1% |
| Spending per household on vehicle insurance | $1,861 | $1,579 | $1,957 |
| Median household income | $62,484 | $71,389 | $80,734 |
| Groundwork market score | 44 | 34 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 11 → 10
- Employees, 2023
- 46
- Annual payroll, 2023
- $2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 141 chain location
- Listings at the U.S. rate for this spending
- 17The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $2.6M
SBA-backed loans to businesses classed as insurance agencies and brokerages in Hardin 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 Hardin County
- Population, 2025 estimate
- 30,072−2.1% since 2020
- Households
- 11,724
- Median age
- 37.4
- Homes lived in by their owners
- 75%
- Vehicles per household
- 2.1
- Land area
- 470 sq. mi.
- People per square mile
- 65
- Median household income
- $62,484+23.7% vs. 2015–2019, before inflation
- Average household income
- $82,547
- Median home value
- $151,200
- Jobs located here
- 7,371
- Daytime population
- 25,565Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Hardin 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 Hardin 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 Ohio
Every Ohio market ranked →The highest-scoring counties in Ohio for insurance agencies, numbered among those based in Ohio, with Hardin County marked.
Top counties in Ohio
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Brown County, OH | 75 | 12 | 7.0 | $2.8M | +1.6% | #331 of 2,272 |
| 2Morrow County, OH | 73 | 11 | 8.2 | $2.5M | +3.7% | #380 of 2,272 |
| 3Perry County, OH | 69 | 12 | 8.9 | $2.1M | +1.3% | #497 of 2,272 |
| 4Pickaway County, OH | 68 | 19 | 8.7 | $2.1M | +7.4% | #521 of 2,272 |
| 5Holmes County, OH | 67 | 7 | 5.2 | $2.8M | +1.7% | #540 of 2,272 |
| 6Meigs County, OH | 64 | 5 | 5.5 | $3.2M | −2.6% | #637 of 2,272 |
| 7Champaign County, OH | 61 | 16 | 10.2 | $1.8M | +0.2% | #756 of 2,272 |
| 8Adams County, OH | 59 | 10 | 9.6 | $1.9M | +1.5% | #800 of 2,272 |
| 9Clermont County, OH | 59 | 101 | 11.9 | $1.5M | +3.9% | #818 of 2,272 |
| 10Madison County, OH | 58 | 21 | 13.4 | $1.4M | +7.1% | #855 of 2,272 |
| 33Hardin County, OH | 44 | 14 | 11.9 | $1.6M | −2.1% | #1,309 of 2,272 |
Other business types in Hardin 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 Hardin County, OH?
Hardin County has 14 insurance agencies on map listings as of September 2026. One of them (7%) is a chain location. The listings count insurance agencies. Official counts show 10 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Hardin County, OH spend on vehicle insurance?
About $21.8M a year, or $1,861 per household. That is 5% below the U.S. average (an index of 95, where 100 is the U.S. average). Spread across the 14 insurance agencies on map listings, it comes to $1.6M per agency. It is estimated from the incomes of the 11,724 households in Hardin County and national spending patterns by income.
How does Hardin County, OH compare with the U.S. for insurance agencies?
Hardin County has 11.9 insurance agencies per 10,000 households, 24% below the U.S. rate of 15.6. Spending per agency is $1.6M, 24% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Hardin County would have about 17, against 14 on map listings. There is one business with payroll in the industry for every 1,172 households, against one for every 966 across the U.S.
How fast is Hardin County, OH growing?
Population estimates put Hardin County at 30,072 people in 2025, down 2.1% since 2020, against +3.1% for the U.S. It has 11,724 households. The median household income in Hardin County is $62,484 a year, 23% below the U.S. median of $80,734. That rose 23.7% 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. Hardin County scores 44 for insurance agencies (lower middle), #1,309 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Hardin 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 Hardin County
Screening a site or an acquisition in Hardin 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 Hardin 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.