Auto · County · South Dakota
Insurance agencies in Harding County, SD
Competitor counts, household spending and official business counts for insurance agencies in Harding County, SD, set against other counties and the U.S.
Groundwork market score
Not scored
Counties under 10,000 people aren’t scored, since a few businesses can swing their figures.
- Listings
- 1
- 1 chain location (100%)
- Official establishments
- n/a
- Fewer than 3, or not published
- Household spending a year
- $1.1M
- On vehicle insurance · $2,190 a household
- Spending per listing
- $1.1M
- Too few listings to compare
- Listings per 10k households
- 20.1
- Too few listings to compare
- Population, 2025
- 1,331
- +2.2% since 2020
See the insurance agencies around any address in Harding 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 Harding 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 1 insurance agency in Harding County. That is 20.1 per 10,000 households.
Household spending on vehicle insurance in Harding County comes to about $1.1M a year: $2,190 per household, 12% above the U.S. average. That works out to $1.1M per agency.
There is no official count of businesses with payroll classed as insurance agencies and brokerages in Harding County: counts under 3 aren’t published.
Population estimates show Harding County grew 2.2% from 2020 to 2025, slower than the U.S. (+3.1%). Counties under 10,000 people aren’t given a market score, since a few businesses can swing their figures.
How Harding County compares
The same measures for South Dakota 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 | Harding County | South Dakota | U.S. |
|---|---|---|---|
| Listings per 10k households | 20.1 | 19.1 | 15.6 |
| Spending per listing | $1.1M | $957K | $1.3M |
| Households per official establishment | n/a | 491 | 966 |
| Official establishment growth, 2019–2023 | n/a | +3.0% | −1.0% |
| Population growth, 2020–2025 | +2.2% | +5.3% | +3.1% |
| Spending per household on vehicle insurance | $2,190 | $1,827 | $1,957 |
| Median household income | $80,441 | $75,081 | $80,734 |
| Groundwork market score | Not scored | 29 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- n/a
- Employees, 2023
- n/a
- Annual payroll, 2023
- n/a
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 11 chain location
- Listings at the U.S. rate for this spending
- 1The 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 Harding 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 Harding County
- Population, 2025 estimate
- 1,331+2.2% since 2020
- Households
- 498
- Median age
- 46.3
- Homes lived in by their owners
- 77%
- Vehicles per household
- 2.5
- Land area
- 2,672 sq. mi.
- People per square mile
- 0
- Median household income
- $80,441
- Average household income
- $104,230
- Median home value
- $166,100
- Jobs located here
- 425
- Daytime population
- 1,155Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Harding 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 Harding 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 South Dakota
Every South Dakota market ranked →The highest-scoring counties in South Dakota for insurance agencies, numbered among those based in South Dakota, with Harding County marked.
Top counties in South Dakota
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Meade County, SD | 57 | 13 | 10.9 | $1.9M | +2.7% | #869 of 2,272 |
| 2Union County, SD | 36 | 11 | 15.0 | $1.3M | +3.3% | #1,604 of 2,272 |
| 3Lawrence County, SD | 35 | 23 | 19.1 | $943K | +14.0% | #1,663 of 2,272 |
| 4Brookings County, SD | 34 | 28 | 20.3 | $898K | +9.6% | #1,696 of 2,272 |
| 5Lincoln County, SD | 32 | 54 | 19.4 | $961K | +17.5% | #1,760 of 2,272 |
| 6Minnehaha County, SD | 31 | 148 | 17.4 | $953K | +7.6% | #1,783 of 2,272 |
| 7Pennington County, SD | 29 | 85 | 18.3 | $966K | +6.6% | #1,845 of 2,272 |
| 8Butte County, SD | 29 | 10 | 23.2 | $883K | +5.5% | #1,849 of 2,272 |
| 9Beadle County, SD | 26 | 14 | 18.6 | $1M | +2.4% | #1,924 of 2,272 |
| 10Codington County, SD | 24 | 32 | 25.5 | $726K | +4.3% | #1,993 of 2,272 |
| Harding County, SD | Not scored | 1 | 20.1 | $1.1M | +2.2% |
Other business types in Harding County
None has a Groundwork market score here. Counties under 10,000 people aren’t scored, since a few businesses can swing their figures.
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 Harding County, SD?
Harding County has 1 insurance agency on map listings as of September 2026. The listings count insurance agencies. No official count is published for insurance agencies and brokerages in Harding County: counts under 3 are left out.
How much do households in Harding County, SD spend on vehicle insurance?
About $1.1M a year, or $2,190 per household. That is 12% above the U.S. average (an index of 112, where 100 is the U.S. average). Spread across the 1 insurance agency on map listings, it comes to $1.1M per agency. It is estimated from the incomes of the 498 households in Harding County and national spending patterns by income.
How does Harding County, SD compare with the U.S. for insurance agencies?
Harding County has 1 insurance agency on map listings, too few for a steady comparison with the U.S. rate. The count on map listings matches the U.S. ratio of insurance agencies to household spending.
How fast is Harding County, SD growing?
Population estimates put Harding County at 1,331 people in 2025, up 2.2% since 2020, slower than the U.S. (+3.1%). It has 498 households. The median household income in Harding County is $80,441 a year, in line with the U.S. median of $80,734.
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. The score leaves out counties under 10,000 people, where a handful of businesses would swing it.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Harding 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 Harding County
Screening a site or an acquisition in Harding 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 Harding 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.