Market rankings · Tennessee
Insurance agencies in Tennessee
Markets across Tennessee ranked by the Groundwork market score for insurance agencies, with competitor counts and household spending for each.
- Listings
- 4,564
- 1,252 chain locations (27%)
- Official establishments
- 2,565
- +0.2% since 2019
- Household spending a year
- $7.3B
- On vehicle insurance
- Listings per 10k households
- 16.2
- 4% above the U.S.
- Spending per listing
- $1.6M
- 28% above the U.S.
- Rank among states
- #5 of 51
- Market score 78 · High
A site report maps the insurance agencies on map listings around any address in Tennessee by name and distance, and the spending within reach.
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
Map listings as of September 2026 show 4,564 insurance agencies in Tennessee. Of those, 1,252 are chain locations, or 27%, against 21% across the U.S. Per 10,000 households, that is 16.2, 4% above the U.S. rate of 15.6.
Households in Tennessee spend about $7.3B a year on vehicle insurance, or $2,597 per household, 33% above the U.S. average. That works out to $1.6M per agency, 28% above the U.S. figure of $1.3M.
Official counts show 2,565 businesses with payroll classed as insurance agencies and brokerages in Tennessee in 2023, up 0.2% from 2019. That is one for every 1,101 households, against one for every 966 across the U.S. Across the U.S., the count fell 1.0% over the same years. Since fiscal 2022, 52 SBA-backed loans worth $17.6M have gone to businesses classed as insurance agencies and brokerages in Tennessee.
Among the 50 states and DC, Tennessee ranks #5 for insurance agencies, with a Groundwork market score of 78 (high). Of the 10 scored metro areas in or partly in Tennessee, the Clarksville metro area scores highest (94). Of the 17 scored small-town markets in or partly in Tennessee, the Lewisburg area scores highest (97).
Every market in Tennessee for insurance agencies
Download the ranking (CSV)Numbered by Groundwork market score among the markets based in Tennessee, highest first; the U.S. rank compares each market with every other of its kind. A metro area that crosses a state line is listed in each state it reaches, and numbered only in the state its page is under. How the score works.
Metro areas
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Clarksville, TN-KY | 94 | 135 | 10.8 | $2.4M | +8.5% | #2 of 387 |
| 2Cleveland, TN | 88 | 68 | 13.6 | $2.1M | +6.1% | #12 of 387 |
| 3Morristown, TN | 86 | 66 | 13.8 | $2M | +7.9% | #18 of 387 |
| 4Johnson City, TN | 81 | 116 | 13.0 | $2M | +4.3% | #31 of 387 |
| 5Kingsport-Bristol, TN-VA | 78 | 170 | 13.0 | $2M | +2.3% | #43 of 387 |
| 6Knoxville, TN | 76 | 624 | 16.5 | $1.6M | +6.9% | #57 of 387 |
| 7Chattanooga, TN-GA | 68 | 376 | 16.3 | $1.6M | +5.3% | #92 of 387 |
| 8Nashville-Davidson–Murfreesboro–Franklin, TN | 64 | 1,557 | 18.8 | $1.4M | +8.7% | #113 of 387 |
| 9Memphis, TN-MS-AR | 57 | 853 | 16.3 | $1.5M | −0.3% | #144 of 387 |
| 10Jackson, TN | 54 | 150 | 20.7 | $1.2M | +2.2% | #165 of 387 |
Small-town markets
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Lewisburg, TN | 97 | 6 | 4.4 | $6.6M | +10.5% | #2 of 537 |
| 2Newport, TN | 95 | 12 | 7.7 | $3.4M | +5.1% | #4 of 537 |
| 3Winchester, TN | 94 | 17 | 9.7 | $2.9M | +6.4% | #5 of 537 |
| 4Fayetteville, TN | 93 | 13 | 8.8 | $3.3M | +4.3% | #6 of 537 |
| 5Athens, TN | 93 | 29 | 11.0 | $2.6M | +8.2% | #7 of 537 |
| 6Crossville, TN | 91 | 31 | 11.0 | $2.4M | +8.0% | #13 of 537 |
| 7Tullahoma-Manchester, TN | 88 | 34 | 13.2 | $2M | +7.3% | #22 of 537 |
| 8Greeneville, TN | 87 | 34 | 12.0 | $2.3M | +5.0% | #25 of 537 |
| 9Sevierville, TN | 86 | 53 | 13.1 | $2.1M | +2.5% | #30 of 537 |
| 10McMinnville, TN | 85 | 21 | 13.0 | $2.2M | +6.5% | #32 of 537 |
| 11Cookeville, TN | 85 | 76 | 12.9 | $2.1M | +7.6% | #34 of 537 |
| 12Shelbyville, TN | 83 | 29 | 14.9 | $2.1M | +9.7% | #40 of 537 |
| 13Paris, TN | 74 | 21 | 15.6 | $1.6M | +2.3% | #80 of 537 |
| 14Lawrenceburg, TN | 73 | 33 | 19.4 | $1.5M | +6.2% | #87 of 537 |
| 15Martin, TN | 66 | 20 | 14.9 | $1.7M | +1.1% | #136 of 537 |
| 16Union City, TN | 56 | 17 | 13.6 | $1.8M | −2.3% | #208 of 537 |
| 17Dyersburg, TN | 38 | 31 | 21.0 | $1.1M | −1.1% | #371 of 537 |
Counties
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Union County, TN | 97 | 5 | 6.3 | $4.9M | +8.1% | #4 of 2,272 |
| 2Grainger County, TN | 96 | 6 | 6.2 | $4.7M | +9.2% | #8 of 2,272 |
| 3Marshall County, TN | 95 | 6 | 4.4 | $6.6M | +10.5% | #12 of 2,272 |
| 4Hickman County, TN | 94 | 7 | 7.4 | $4.2M | +5.0% | #24 of 2,272 |
| 5Smith County, TN | 93 | 5 | 6.3 | $4.7M | +5.1% | #26 of 2,272 |
| 6Loudon County, TN | 93 | 24 | 10.0 | $3M | +15.6% | #28 of 2,272 |
| 7Jefferson County, TN | 92 | 20 | 9.2 | $3.1M | +9.3% | #34 of 2,272 |
| 8Marion County, TN | 91 | 8 | 6.7 | $4.3M | +3.2% | #41 of 2,272 |
| 9Cheatham County, TN | 91 | 12 | 7.4 | $4.2M | +4.1% | #42 of 2,272 |
| 10Hawkins County, TN | 91 | 19 | 8.1 | $3.5M | +5.0% | #46 of 2,272 |
| 11Sequatchie County, TN | 91 | 6 | 9.7 | $3M | +12.7% | #49 of 2,272 |
| 12Cocke County, TN | 90 | 12 | 7.7 | $3.4M | +5.1% | #56 of 2,272 |
| 13Franklin County, TN | 90 | 17 | 9.7 | $2.9M | +6.4% | #60 of 2,272 |
| 14Montgomery County, TN | 90 | 88 | 10.0 | $2.6M | +13.0% | #61 of 2,272 |
| 15Johnson County, TN | 89 | 5 | 6.9 | $4M | +4.1% | #66 of 2,272 |
| 16Overton County, TN | 89 | 7 | 7.7 | $3.7M | +5.3% | #67 of 2,272 |
| 17Roane County, TN | 89 | 23 | 10.1 | $2.8M | +7.0% | #70 of 2,272 |
| 18Robertson County, TN | 89 | 30 | 10.6 | $2.8M | +9.9% | #71 of 2,272 |
| 19Morgan County, TN | 89 | 8 | 11.1 | $2.7M | +5.3% | #74 of 2,272 |
| 20White County, TN | 89 | 12 | 10.7 | $2.6M | +7.9% | #75 of 2,272 |
| 21Fayette County, TN | 88 | 21 | 12.2 | $2.4M | +7.7% | #89 of 2,272 |
| 22Lincoln County, TN | 87 | 13 | 8.8 | $3.3M | +4.3% | #100 of 2,272 |
| 23Claiborne County, TN | 87 | 13 | 9.5 | $2.9M | +3.6% | #104 of 2,272 |
| 24Trousdale County, TN | 86 | 5 | 13.5 | $2.1M | +8.4% | #120 of 2,272 |
| 25Cumberland County, TN | 85 | 31 | 11.0 | $2.4M | +8.0% | #133 of 2,272 |
Show all 95 counties
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 26Monroe County, TN | 85 | 24 | 12.2 | $2.3M | +7.2% | #134 of 2,272 |
| 27Tipton County, TN | 84 | 24 | 10.6 | $2.7M | +2.0% | #144 of 2,272 |
| 28Scott County, TN | 84 | 10 | 11.4 | $2.4M | +3.6% | #148 of 2,272 |
| 29Macon County, TN | 84 | 13 | 13.8 | $2.2M | +9.5% | #151 of 2,272 |
| 30Carter County, TN | 82 | 21 | 8.6 | $3.1M | +1.7% | #176 of 2,272 |
| 31Campbell County, TN | 82 | 17 | 9.9 | $2.7M | +2.5% | #181 of 2,272 |
| 32Humphreys County, TN | 82 | 9 | 12.4 | $2.4M | +3.4% | #185 of 2,272 |
| 33Fentress County, TN | 82 | 10 | 12.8 | $2.2M | +9.7% | #188 of 2,272 |
| 34Lewis County, TN | 82 | 8 | 14.9 | $2M | +7.0% | #189 of 2,272 |
| 35Rhea County, TN | 81 | 13 | 9.6 | $2.7M | +4.6% | #202 of 2,272 |
| 36Wayne County, TN | 81 | 7 | 11.7 | $2.4M | +1.2% | #207 of 2,272 |
| 37Greene County, TN | 81 | 34 | 12.0 | $2.3M | +5.0% | #211 of 2,272 |
| 38McMinn County, TN | 80 | 28 | 13.2 | $2.2M | +7.6% | #227 of 2,272 |
| 39Stewart County, TN | 80 | 7 | 13.2 | $2.2M | +5.3% | #228 of 2,272 |
| 40Blount County, TN | 79 | 73 | 13.1 | $2.2M | +6.0% | #246 of 2,272 |
| 41Warren County, TN | 79 | 21 | 13.0 | $2.2M | +6.5% | #249 of 2,272 |
| 42Sevier County, TN | 79 | 53 | 13.1 | $2.1M | +2.5% | #252 of 2,272 |
| 43Chester County, TN | 79 | 10 | 15.6 | $1.8M | +3.5% | #256 of 2,272 |
| 44Hardin County, TN | 78 | 11 | 10.0 | $2.5M | +3.8% | #265 of 2,272 |
| 45Bedford County, TN | 78 | 29 | 14.9 | $2.1M | +9.7% | #274 of 2,272 |
| 46Decatur County, TN | 78 | 6 | 13.1 | $2.1M | +3.4% | #275 of 2,272 |
| 47Dickson County, TN | 78 | 32 | 14.7 | $2.1M | +7.7% | #276 of 2,272 |
| 48Coffee County, TN | 78 | 33 | 14.3 | $1.8M | +7.4% | #283 of 2,272 |
| 49Rutherford County, TN | 77 | 189 | 14.6 | $1.9M | +12.6% | #300 of 2,272 |
| 50DeKalb County, TN | 75 | 10 | 11.6 | $2.3M | +8.4% | #335 of 2,272 |
| 51Bradley County, TN | 74 | 65 | 15.3 | $1.8M | +6.1% | #367 of 2,272 |
| 52Giles County, TN | 73 | 15 | 12.4 | $2.3M | +3.6% | #382 of 2,272 |
| 53Crockett County, TN | 72 | 7 | 12.7 | $2M | +0.7% | #417 of 2,272 |
| 54Maury County, TN | 71 | 64 | 15.1 | $1.8M | +16.0% | #446 of 2,272 |
| 55Anderson County, TN | 71 | 53 | 16.2 | $1.6M | +6.1% | #449 of 2,272 |
| 56Lauderdale County, TN | 70 | 9 | 9.7 | $2.5M | −2.0% | #456 of 2,272 |
| 57Wilson County, TN | 70 | 96 | 16.2 | $1.7M | +17.8% | #480 of 2,272 |
| 58Grundy County, TN | 69 | 9 | 17.4 | $1.6M | +4.3% | #510 of 2,272 |
| 59Sullivan County, TN | 68 | 94 | 13.6 | $1.9M | +3.5% | #526 of 2,272 |
| 60Putnam County, TN | 67 | 53 | 15.8 | $1.7M | +8.1% | #571 of 2,272 |
| 61Lawrence County, TN | 67 | 33 | 19.4 | $1.5M | +6.2% | #575 of 2,272 |
| 62Carroll County, TN | 66 | 19 | 16.5 | $1.6M | +2.7% | #598 of 2,272 |
| 63Henry County, TN | 66 | 21 | 15.6 | $1.6M | +2.3% | #599 of 2,272 |
| 64Benton County, TN | 65 | 10 | 14.0 | $1.8M | +2.1% | #623 of 2,272 |
| 65Gibson County, TN | 64 | 34 | 16.7 | $1.5M | +2.7% | #672 of 2,272 |
| 66Washington County, TN | 63 | 91 | 16.0 | $1.6M | +6.0% | #704 of 2,272 |
| 67Hamblen County, TN | 63 | 46 | 17.6 | $1.5M | +6.7% | #708 of 2,272 |
| 68Henderson County, TN | 59 | 21 | 19.2 | $1.4M | +2.5% | #822 of 2,272 |
| 69Weakley County, TN | 58 | 20 | 14.9 | $1.7M | +1.1% | #844 of 2,272 |
| 70Sumner County, TN | 58 | 171 | 21.8 | $1.3M | +9.2% | #856 of 2,272 |
| 71Hardeman County, TN | 52 | 15 | 16.5 | $1.5M | −0.6% | #1,043 of 2,272 |
| 72Hamilton County, TN | 51 | 296 | 19.2 | $1.3M | +6.2% | #1,096 of 2,272 |
| 73Knox County, TN | 51 | 415 | 20.6 | $1.2M | +6.5% | #1,097 of 2,272 |
| 74Obion County, TN | 50 | 17 | 13.6 | $1.8M | −2.3% | #1,104 of 2,272 |
| 75Davidson County, TN | 50 | 583 | 17.9 | $1.3M | +4.2% | #1,121 of 2,272 |
| 76McNairy County, TN | 44 | 20 | 20.1 | $1.3M | +1.4% | #1,320 of 2,272 |
| 77Shelby County, TN | 39 | 662 | 18.2 | $1.2M | −2.1% | #1,503 of 2,272 |
| 78Williamson County, TN | 39 | 346 | 37.5 | $754K | +9.0% | #1,518 of 2,272 |
| 79Madison County, TN | 38 | 99 | 24.7 | $972K | +2.0% | #1,558 of 2,272 |
| 80Dyer County, TN | 35 | 31 | 21.0 | $1.1M | −1.1% | #1,653 of 2,272 |
| 81Haywood County, TN | 24 | 17 | 23.7 | $1M | −4.4% | #1,972 of 2,272 |
| Polk County, TN | Not scored | 3 | 4.0 | $7.7M | +5.9% | |
| Unicoi County, TN | Not scored | 4 | 5.1 | $5.4M | −0.1% | |
| Bledsoe County, TN | Not scored | 3 | 6.2 | $4.9M | +6.5% | |
| Cannon County, TN | Not scored | 4 | 6.9 | $4.4M | +5.0% | |
| Meigs County, TN | Not scored | 1 | 1.9 | $15.2M | +10.8% | |
| Jackson County, TN | Not scored | 4 | 8.3 | $3.5M | +7.1% | |
| Perry County, TN | Not scored | 2 | 5.5 | $5.5M | +8.9% | |
| Houston County, TN | Not scored | 4 | 11.9 | $2.4M | +2.2% | |
| Clay County, TN | Not scored | 5 | 14.3 | $1.8M | +3.1% | |
| Hancock County, TN | Not scored | 1 | 3.5 | $7.1M | +6.7% | |
| Moore County, TN | Not scored | 1 | 3.7 | $8.1M | +6.9% | |
| Lake County, TN | Not scored | 2 | 9.7 | $2M | −10.6% | |
| Van Buren County, TN | Not scored | 1 | 3.9 | $7.3M | +11.3% | |
| Pickett County, TN | Not scored | 2 | 9.2 | $2.9M | +4.3% |
Markets with fewer than 5 insurance agencies on map listings, and counties under 10,000 people, aren’t scored; they’re listed last in each table.
Questions
How many insurance agencies are in Tennessee?
There are 4,564 insurance agencies on map listings in Tennessee as of September 2026. 1,252 of them (27%) are chain locations. The listings count insurance agencies. Official counts show 2,565 businesses with payroll classed as insurance agencies and brokerages in 2023, up 0.2% from 2019.
How much do households in Tennessee spend on vehicle insurance?
About $7.3B a year, or $2,597 per household. That is 33% above the U.S. average (an index of 133, where 100 is the U.S. average). Spread across the 4,564 insurance agencies on map listings, it comes to $1.6M per agency. It is estimated from the incomes of the 2,824,277 households in Tennessee and national spending patterns by income.
How does Tennessee compare with the U.S. for insurance agencies?
Tennessee has 16.2 insurance agencies per 10,000 households, 4% above the U.S. rate of 15.6. Spending per agency is $1.6M, 28% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Tennessee would have about 5,841, against 4,564 on map listings. There is one business with payroll in the industry for every 1,101 households, against one for every 966 across the U.S. The official count rose 0.2% from 2019 to 2023, against −1.0% for the U.S.
Which market in Tennessee has the highest market score for insurance agencies?
Among 10 scored metro areas in or partly in Tennessee, the Clarksville metro area scores highest, at 94 (very high). Among 17 scored small-town markets in or partly in Tennessee, the Lewisburg area scores highest, at 97 (very high). Among 81 scored counties in Tennessee, Union County scores highest, at 97 (very high). Scores compare each market with others of its kind across the U.S.
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. Tennessee scores 78 for insurance agencies (high), #5 of the 50 states and DC.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Tennessee. 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.
Insurance agencies in other states
All 51 states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Top markets for insurance agencies across the U.S. · All business types in Tennessee
Related business types in Tennessee
- Auto repair and car care9,788 listings
- Auto repair shops5,671 listings
- Collision repair and body shops717 listings
- Car washes and detailing1,113 listings
- Tire shops1,196 listings
- Oil change and quick lube241 listings
- Gas stations4,056 listings
Screening a site or an acquisition in Tennessee?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
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.