Auto · County · Tennessee
Insurance agencies in Cheatham County, TN
Competitor counts, household spending and official business counts for insurance agencies in Cheatham County, TN, set against other counties and the U.S.
Groundwork market score · out of 100
Score 91 out of 100: Very high
Ranked #42 of 2,272 scored counties
#9 of 81 scored counties in Tennessee
- Listings
- 12
- 4 chain locations (33%)
- Official establishments
- 9
- Businesses with payroll, 2023
- Household spending a year
- $50.8M
- On vehicle insurance · $3,118 a household
- Spending per listing
- $4.2M
- 3.4 times the U.S.
- Listings per 10k households
- 7.4
- 53% below the U.S.
- Population, 2025
- 42,778
- +4.1% since 2020
See the insurance agencies around any address in Cheatham 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 Cheatham 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
Cheatham County scores 91 (very high) on the Groundwork market score for insurance agencies, ranking #42 of 2,272 scored counties and #9 of 81 scored counties in Tennessee. That puts it in the top 10% of counties for insurance agencies.
Household spending on vehicle insurance in Cheatham County comes to about $50.8M a year: $3,118 per household, 59% above the U.S. average. Spread across 12 insurance agencies, that is $4.2M per agency, 3.4 times the U.S. figure of $1.3M.
Cheatham County has 12 insurance agencies on map listings as of September 2026. Of those, 4 are chain locations, or 33%, against 21% across the U.S. Per 10,000 households, that is 7.4, 53% below the U.S. rate of 15.6.
In 2023, official counts showed 9 businesses with payroll in Cheatham County classed as insurance agencies and brokerages. That is one for every 1,809 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $755K has gone to businesses classed as insurance agencies and brokerages in Cheatham County. Population estimates put the population change in Cheatham County from 2020 to 2025 at +4.1%, faster than the U.S. (+3.1%).
How Cheatham County compares
The same measures for Tennessee 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 | Cheatham County | Tennessee | U.S. |
|---|---|---|---|
| Listings per 10k households | 7.4 | 16.2 | 15.6 |
| Spending per listing | $4.2M | $1.6M | $1.3M |
| Households per official establishment | 1,809 | 1,101 | 966 |
| Official establishment growth, 2019–2023 | n/a | +0.2% | −1.0% |
| Population growth, 2020–2025 | +4.1% | +5.6% | +3.1% |
| Spending per household on vehicle insurance | $3,118 | $2,597 | $1,957 |
| Median household income | $89,852 | $69,595 | $80,734 |
| Groundwork market score | 91 | 78 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 12 → 9
- Employees, 2023
- 22
- Annual payroll, 2023
- $810K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 124 chain locations
- Listings at the U.S. rate for this spending
- 40The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $755K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Cheatham 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 Cheatham County
- Population, 2025 estimate
- 42,778+4.1% since 2020
- Households
- 16,279
- Median age
- 41.5
- Homes lived in by their owners
- 82%
- Vehicles per household
- 2.4
- Land area
- 303 sq. mi.
- People per square mile
- 138
- Median household income
- $89,852+45.1% vs. 2015–2019, before inflation
- Average household income
- $107,394
- Median home value
- $338,700
- Jobs located here
- 9,356
- Daytime population
- 29,633Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Cheatham 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 Cheatham 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 Tennessee
Every Tennessee market ranked →The highest-scoring counties in Tennessee for insurance agencies, numbered among those based in Tennessee, with Cheatham County marked.
Top counties in Tennessee
| 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 |
Other business types in Cheatham 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 Cheatham County, TN?
Map listings as of September 2026 show 12 insurance agencies in Cheatham County. 4 of them (33%) are chain locations. The listings count insurance agencies. Official counts show 9 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Cheatham County, TN spend on vehicle insurance?
About $50.8M a year, or $3,118 per household. That is 59% above the U.S. average (an index of 159, where 100 is the U.S. average). Spread across the 12 insurance agencies on map listings, it comes to $4.2M per agency. It is estimated from the incomes of the 16,279 households in Cheatham County and national spending patterns by income.
How does Cheatham County, TN compare with the U.S. for insurance agencies?
Cheatham County has 7.4 insurance agencies per 10,000 households, 53% below the U.S. rate of 15.6. Spending per agency is $4.2M, 3.4 times the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Cheatham County would have about 40, against 12 on map listings. There is one business with payroll in the industry for every 1,809 households, against one for every 966 across the U.S.
How fast is Cheatham County, TN growing?
Population estimates put Cheatham County at 42,778 people in 2025, up 4.1% since 2020, faster than the U.S. (+3.1%). It has 16,279 households. Median household income in Cheatham County is $89,852, 11% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 45.1%, 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. Cheatham County scores 91 for insurance agencies (very high), #42 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Cheatham 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 Cheatham County
Screening a site or an acquisition in Cheatham 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 Cheatham 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.