Auto · County · Tennessee
Insurance agencies in Cumberland County, TN
The insurance agencies in Cumberland County, TN, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 85 out of 100: High
Ranked #133 of 2,272 scored counties
#25 of 81 scored counties in Tennessee
- Listings
- 31
- 7 chain locations (23%)
- Official establishments
- 16
- Businesses with payroll, 2023
- Household spending a year
- $73.6M
- On vehicle insurance · $2,612 a household
- Spending per listing
- $2.4M
- 89% above the U.S.
- Listings per 10k households
- 11.0
- 29% below the U.S.
- Population, 2025
- 66,300
- +8.0% since 2020
See the insurance agencies around any address in Cumberland 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 Cumberland 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 Cumberland County is 85 (high), #133 of 2,272 scored counties and #25 of 81 scored counties in Tennessee. That puts it in the top 10% of counties for insurance agencies.
Map listings as of September 2026 show 31 insurance agencies in Cumberland County. Of those, 7 are chain locations, or 23%, against 21% across the U.S. Per 10,000 households, that is 11.0, 29% below the U.S. rate of 15.6.
Household spending on vehicle insurance in Cumberland County comes to about $73.6M a year: $2,612 per household, 33% above the U.S. average. That works out to $2.4M per agency, 89% above the U.S. figure of $1.3M.
In 2023, official counts showed 16 businesses with payroll in Cumberland County classed as insurance agencies and brokerages. That is one for every 1,762 households, against one for every 966 across the U.S. Between 2020 and 2025, the population of Cumberland County grew 8.0%, faster than the U.S. (+3.1%).
How Cumberland 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 | Cumberland County | Tennessee | U.S. |
|---|---|---|---|
| Listings per 10k households | 11.0 | 16.2 | 15.6 |
| Spending per listing | $2.4M | $1.6M | $1.3M |
| Households per official establishment | 1,762 | 1,101 | 966 |
| Official establishment growth, 2019–2023 | n/a | +0.2% | −1.0% |
| Population growth, 2020–2025 | +8.0% | +5.6% | +3.1% |
| Spending per household on vehicle insurance | $2,612 | $2,597 | $1,957 |
| Median household income | $60,375 | $69,595 | $80,734 |
| Groundwork market score | 85 | 78 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 16 → 16
- Employees, 2023
- 51
- Annual payroll, 2023
- $2.4M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 317 chain locations
- Listings at the U.S. rate for this spending
- 59The 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 Cumberland 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 Cumberland County
- Population, 2025 estimate
- 66,300+8.0% since 2020
- Households
- 28,195
- Median age
- 51.4
- Homes lived in by their owners
- 80%
- Vehicles per household
- 2.0
- Land area
- 681 sq. mi.
- People per square mile
- 93
- Median household income
- $60,375+31.4% vs. 2015–2019, before inflation
- Average household income
- $76,464
- Median home value
- $250,500
- Jobs located here
- 19,273
- Daytime population
- 60,554Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Cumberland 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 Cumberland 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 Cumberland 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 |
| 25Cumberland County, TN | 85 | 31 | 11.0 | $2.4M | +8.0% | #133 of 2,272 |
Other business types in Cumberland 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 Cumberland County, TN?
There are 31 insurance agencies on map listings in Cumberland County as of September 2026. 7 of them (23%) are chain locations. The listings count insurance agencies. Official counts show 16 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Cumberland County, TN spend on vehicle insurance?
About $73.6M a year, or $2,612 per household. That is 33% above the U.S. average (an index of 133, where 100 is the U.S. average). Spread across the 31 insurance agencies on map listings, it comes to $2.4M per agency. It is estimated from the incomes of the 28,195 households in Cumberland County and national spending patterns by income.
How does Cumberland County, TN compare with the U.S. for insurance agencies?
Cumberland County has 11.0 insurance agencies per 10,000 households, 29% below the U.S. rate of 15.6. Spending per agency is $2.4M, 89% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Cumberland County would have about 59, against 31 on map listings. There is one business with payroll in the industry for every 1,762 households, against one for every 966 across the U.S.
How fast is Cumberland County, TN growing?
Population estimates put Cumberland County at 66,300 people in 2025, up 8.0% since 2020, faster than the U.S. (+3.1%). It has 28,195 households. The median household income in Cumberland County is $60,375 a year, 25% below the U.S. median of $80,734. That rose 31.4% 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. Cumberland County scores 85 for insurance agencies (high), #133 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Cumberland 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 Cumberland County
Screening a site or an acquisition in Cumberland 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 Cumberland 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.