Auto · County · Tennessee
Insurance agencies in Hardeman County, TN
The insurance agencies in Hardeman County, TN, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 52 out of 100: Upper middle
Ranked #1,043 of 2,272 scored counties
#71 of 81 scored counties in Tennessee
- Listings
- 15
- 5 chain locations (33%)
- Official establishments
- 8
- Businesses with payroll, 2023
- Household spending a year
- $22.9M
- On vehicle insurance · $2,517 a household
- Spending per listing
- $1.5M
- 22% above the U.S.
- Listings per 10k households
- 16.5
- 6% above the U.S.
- Population, 2025
- 25,274
- −0.6% since 2020
See the insurance agencies around any address in Hardeman 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 Hardeman 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
Household spending on vehicle insurance in Hardeman County comes to about $22.9M a year: $2,517 per household, 29% above the U.S. average. That is about $1.5M of household spending for each agency on map listings, 22% above the U.S. figure of $1.3M.
Hardeman County has 15 insurance agencies on map listings as of September 2026. 5 of them (33%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 16.5, 6% above the U.S. rate of 15.6.
Official counts show 8 businesses with payroll classed as insurance agencies and brokerages in Hardeman County in 2023. That is one for every 1,139 households, against one for every 966 across the U.S.
Population estimates show Hardeman County declined 0.6% from 2020 to 2025, against +3.1% for the U.S. Hardeman County scores 52 (upper middle) on the Groundwork market score for insurance agencies, ranking #1,043 of 2,272 scored counties and #71 of 81 scored counties in Tennessee.
How Hardeman 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 | Hardeman County | Tennessee | U.S. |
|---|---|---|---|
| Listings per 10k households | 16.5 | 16.2 | 15.6 |
| Spending per listing | $1.5M | $1.6M | $1.3M |
| Households per official establishment | 1,139 | 1,101 | 966 |
| Official establishment growth, 2019–2023 | n/a | +0.2% | −1.0% |
| Population growth, 2020–2025 | −0.6% | +5.6% | +3.1% |
| Spending per household on vehicle insurance | $2,517 | $2,597 | $1,957 |
| Median household income | $46,069 | $69,595 | $80,734 |
| Groundwork market score | 52 | 78 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 7 → 8
- Employees, 2023
- 20
- Annual payroll, 2023
- $892K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 155 chain locations
- Listings at the U.S. rate for this spending
- 18The 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 Hardeman 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 Hardeman County
- Population, 2025 estimate
- 25,274−0.6% since 2020
- Households
- 9,110
- Median age
- 40.8
- Homes lived in by their owners
- 72%
- Vehicles per household
- 1.9
- Land area
- 668 sq. mi.
- People per square mile
- 38
- Median household income
- $46,069+14.3% vs. 2015–2019, before inflation
- Average household income
- $60,864
- Median home value
- $121,700
- Jobs located here
- 6,386
- Daytime population
- 22,835Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Hardeman 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 Hardeman 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 Hardeman 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 |
| 71Hardeman County, TN | 52 | 15 | 16.5 | $1.5M | −0.6% | #1,043 of 2,272 |
Other business types in Hardeman 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 Hardeman County, TN?
Map listings as of September 2026 show 15 insurance agencies in Hardeman County. 5 of them (33%) are chain locations. The listings count insurance agencies. Official counts show 8 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Hardeman County, TN spend on vehicle insurance?
About $22.9M a year, or $2,517 per household. That is 29% above the U.S. average (an index of 129, where 100 is the U.S. average). Spread across the 15 insurance agencies on map listings, it comes to $1.5M per agency. It is estimated from the incomes of the 9,110 households in Hardeman County and national spending patterns by income.
How does Hardeman County, TN compare with the U.S. for insurance agencies?
Hardeman County has 16.5 insurance agencies per 10,000 households, 6% above the U.S. rate of 15.6. Spending per agency is $1.5M, 22% above the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, Hardeman County would have about 18, against 15 on map listings. There is one business with payroll in the industry for every 1,139 households, against one for every 966 across the U.S.
How fast is Hardeman County, TN growing?
Population estimates put Hardeman County at 25,274 people in 2025, down 0.6% since 2020, against +3.1% for the U.S. It has 9,110 households. Median household income in Hardeman County is $46,069, 43% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 14.3%, 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. Hardeman County scores 52 for insurance agencies (upper middle), #1,043 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Hardeman 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 Hardeman County
Screening a site or an acquisition in Hardeman 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 Hardeman 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.