Auto · County · South Dakota
Insurance agencies in Lincoln County, SD
The insurance agencies in Lincoln County, SD, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 32 out of 100: Lower middle
Ranked #1,760 of 2,272 scored counties
#5 of 17 scored counties in South Dakota
- Listings
- 54
- 11 chain locations (20%)
- Official establishments
- 80
- +6.7% since 2019
- Household spending a year
- $51.9M
- On vehicle insurance · $1,862 a household
- Spending per listing
- $961K
- 23% below the U.S.
- Listings per 10k households
- 19.4
- 24% above the U.S.
- Population, 2025
- 77,145
- +17.5% 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
Lincoln County scores 32 (lower middle) on the Groundwork market score for insurance agencies, ranking #1,760 of 2,272 scored counties and #5 of 17 scored counties in South Dakota. That puts it in the bottom quarter of counties.
Map listings as of September 2026 show 54 insurance agencies in Lincoln County. Of those, 11 are chain locations, or 20%, against 21% across the U.S. That comes to 19.4 for every 10,000 households, 24% above the U.S. rate of 15.6.
At $1,862 per household (5% below the U.S. average), households in Lincoln County spend about $51.9M a year on vehicle insurance. Spread across 54 insurance agencies, that is $961K per agency, 23% below the U.S. figure of $1.3M.
Official counts show 80 businesses with payroll classed as insurance agencies and brokerages in Lincoln County in 2023, up 6.7% from 2019. That is one for every 348 households, against one for every 966 across the U.S. Between 2020 and 2025, the population of Lincoln County grew 17.5%, faster than the U.S. (+3.1%).
How Lincoln 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 | Lincoln County | South Dakota | U.S. |
|---|---|---|---|
| Listings per 10k households | 19.4 | 19.1 | 15.6 |
| Spending per listing | $961K | $957K | $1.3M |
| Households per official establishment | 348 | 491 | 966 |
| Official establishment growth, 2019–2023 | +6.7% | +3.0% | −1.0% |
| Population growth, 2020–2025 | +17.5% | +5.3% | +3.1% |
| Spending per household on vehicle insurance | $1,862 | $1,827 | $1,957 |
| Median household income | $99,166 | $75,081 | $80,734 |
| Groundwork market score | 32 | 29 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 75 → 80+6.7% over the period
- Employees, 2023
- 252
- Annual payroll, 2023
- $19.1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 5411 chain locations
- Listings at the U.S. rate for this spending
- 41The 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
- 77,145+17.5% since 2020
- Households
- 27,879
- Median age
- 36.5
- Homes lived in by their owners
- 71%
- Vehicles per household
- 2.1
- Land area
- 577 sq. mi.
- People per square mile
- 122
- Median household income
- $99,166+20.2% vs. 2015–2019, before inflation
- Average household income
- $132,275
- Median home value
- $348,300
- Jobs located here
- 29,510
- Daytime population
- 60,089Residents 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 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 Lincoln 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 |
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, SD?
There are 54 insurance agencies on map listings in Lincoln County as of September 2026. 11 of them (20%) are chain locations. The listings count insurance agencies. Official counts show 80 businesses with payroll classed as insurance agencies and brokerages in 2023, up 6.7% from 2019.
How much do households in Lincoln County, SD spend on vehicle insurance?
About $51.9M a year, or $1,862 per household. That is 5% below the U.S. average (an index of 95, where 100 is the U.S. average). Spread across the 54 insurance agencies on map listings, it comes to $961K per agency. It is estimated from the incomes of the 27,879 households in Lincoln County and national spending patterns by income.
How does Lincoln County, SD compare with the U.S. for insurance agencies?
Lincoln County has 19.4 insurance agencies per 10,000 households, 24% above the U.S. rate of 15.6. Spending per agency is $961K, 23% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Lincoln County would have about 41, against 54 on map listings. There is one business with payroll in the industry for every 348 households, against one for every 966 across the U.S. The official count rose 6.7% from 2019 to 2023, against −1.0% for the U.S.
How fast is Lincoln County, SD growing?
Population estimates put Lincoln County at 77,145 people in 2025, up 17.5% since 2020, faster than the U.S. (+3.1%). It has 27,879 households. The median household income in Lincoln County is $99,166 a year, 23% above the U.S. median of $80,734. That rose 20.2% 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. Lincoln County scores 32 for insurance agencies (lower middle), #1,760 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.