Auto · County · South Dakota
Insurance agencies in Pennington County, SD
The insurance agencies in Pennington County, SD, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 29 out of 100: Lower middle
Ranked #1,845 of 2,272 scored counties
#7 of 17 scored counties in South Dakota
- Listings
- 85
- 17 chain locations (20%)
- Official establishments
- 83
- −2.3% since 2019
- Household spending a year
- $82.1M
- On vehicle insurance · $1,771 a household
- Spending per listing
- $966K
- 23% below the U.S.
- Listings per 10k households
- 18.3
- 17% above the U.S.
- Population, 2025
- 116,792
- +6.6% since 2020
See the insurance agencies around any address in Pennington 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 Pennington 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 Pennington County is 29 (lower middle), #1,845 of 2,272 scored counties and #7 of 17 scored counties in South Dakota. That puts it in the bottom quarter of counties.
Households in Pennington County spend about $82.1M a year on vehicle insurance, or $1,771 per household, 9% below the U.S. average. That is about $966K of household spending for each agency on map listings, 23% below the U.S. figure of $1.3M.
There are 85 insurance agencies on map listings in Pennington County as of September 2026. Of those, 17 are chain locations, or 20%, against 21% across the U.S. That comes to 18.3 for every 10,000 households, 17% above the U.S. rate of 15.6.
Official counts show 83 businesses with payroll classed as insurance agencies and brokerages in Pennington County in 2023, down 2.3% from 2019. That is one for every 559 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $45K has gone to businesses classed as insurance agencies and brokerages in Pennington County. Population estimates show Pennington County grew 6.6% from 2020 to 2025, faster than the U.S. (+3.1%).
How Pennington 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 | Pennington County | South Dakota | U.S. |
|---|---|---|---|
| Listings per 10k households | 18.3 | 19.1 | 15.6 |
| Spending per listing | $966K | $957K | $1.3M |
| Households per official establishment | 559 | 491 | 966 |
| Official establishment growth, 2019–2023 | −2.3% | +3.0% | −1.0% |
| Population growth, 2020–2025 | +6.6% | +5.3% | +3.1% |
| Spending per household on vehicle insurance | $1,771 | $1,827 | $1,957 |
| Median household income | $74,517 | $75,081 | $80,734 |
| Groundwork market score | 29 | 29 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 85 → 83−2.3% over the period
- Employees, 2023
- 352
- Annual payroll, 2023
- $22.3M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 8517 chain locations
- Listings at the U.S. rate for this spending
- 65The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $45K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Pennington 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 Pennington County
- Population, 2025 estimate
- 116,792+6.6% since 2020
- Households
- 46,370
- Median age
- 41.0
- Homes lived in by their owners
- 69%
- Vehicles per household
- 2.0
- Land area
- 2,777 sq. mi.
- People per square mile
- 41
- Median household income
- $74,517+30.6% vs. 2015–2019, before inflation
- Average household income
- $99,289
- Median home value
- $302,200
- Jobs located here
- 59,416
- Daytime population
- 120,445Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Pennington 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 Pennington 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 Pennington 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 Pennington 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 Pennington County, SD?
As of September 2026, map listings count 85 insurance agencies in Pennington County. 17 of them (20%) are chain locations. The listings count insurance agencies. Official counts show 83 businesses with payroll classed as insurance agencies and brokerages in 2023, down 2.3% from 2019.
How much do households in Pennington County, SD spend on vehicle insurance?
About $82.1M a year, or $1,771 per household. That is 9% below the U.S. average (an index of 91, where 100 is the U.S. average). Spread across the 85 insurance agencies on map listings, it comes to $966K per agency. It is estimated from the incomes of the 46,370 households in Pennington County and national spending patterns by income.
How does Pennington County, SD compare with the U.S. for insurance agencies?
Pennington County has 18.3 insurance agencies per 10,000 households, 17% above the U.S. rate of 15.6. Spending per agency is $966K, 23% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Pennington County would have about 65, against 85 on map listings. There is one business with payroll in the industry for every 559 households, against one for every 966 across the U.S. The official count fell 2.3% from 2019 to 2023, against −1.0% for the U.S.
How fast is Pennington County, SD growing?
Population estimates put Pennington County at 116,792 people in 2025, up 6.6% since 2020, faster than the U.S. (+3.1%). It has 46,370 households. Median household income in Pennington County is $74,517, 8% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 30.6%, 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. Pennington County scores 29 for insurance agencies (lower middle), #1,845 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Pennington 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 Pennington County
Screening a site or an acquisition in Pennington 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 Pennington 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.