Auto · County · Texas
Insurance agencies in Hays County, TX
The insurance agencies in Hays County, TX, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 77 out of 100: High
Ranked #298 of 2,272 scored counties
#25 of 156 scored counties in Texas
- Listings
- 135
- 47 chain locations (35%)
- Official establishments
- 81
- +22.7% since 2019
- Household spending a year
- $261.5M
- On vehicle insurance · $2,619 a household
- Spending per listing
- $1.9M
- 54% above the U.S.
- Listings per 10k households
- 13.5
- 13% below the U.S.
- Population, 2025
- 304,390
- +24.8% since 2020
See the insurance agencies around any address in Hays 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 Hays 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
As of September 2026, map listings count 135 insurance agencies in Hays County. 47 of them (35%) are chain locations, against 21% across the U.S. That is 13.5 per 10,000 households, 13% below the U.S. rate of 15.6.
Households in Hays County spend about $261.5M a year on vehicle insurance, or $2,619 per household, 34% above the U.S. average. Spread across 135 insurance agencies, that is $1.9M per agency, 54% above the U.S. figure of $1.3M.
Official counts show 81 businesses with payroll classed as insurance agencies and brokerages in Hays County in 2023, up 22.7% from 2019. That is one for every 1,233 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $139K has gone to businesses classed as insurance agencies and brokerages in Hays County.
Population estimates put the population change in Hays County from 2020 to 2025 at +24.8%, faster than the U.S. (+3.1%). For insurance agencies, Hays County has a Groundwork market score of 77 (high): #298 of 2,272 scored counties and #25 of 156 scored counties in Texas. That puts it in the top quarter of counties.
How Hays County compares
The same measures for Texas 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 | Hays County | Texas | U.S. |
|---|---|---|---|
| Listings per 10k households | 13.5 | 20.3 | 15.6 |
| Spending per listing | $1.9M | $1.2M | $1.3M |
| Households per official establishment | 1,233 | 900 | 966 |
| Official establishment growth, 2019–2023 | +22.7% | +4.2% | −1.0% |
| Population growth, 2020–2025 | +24.8% | +8.5% | +3.1% |
| Spending per household on vehicle insurance | $2,619 | $2,466 | $1,957 |
| Median household income | $89,097 | $78,476 | $80,734 |
| Groundwork market score | 77 | 58 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 66 → 81+22.7% over the period
- Employees, 2023
- 291
- Annual payroll, 2023
- $15.5M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 13547 chain locations
- Listings at the U.S. rate for this spending
- 208The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $139K
SBA-backed loans to businesses classed as insurance agencies and brokerages in Hays 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 Hays County
- Population, 2025 estimate
- 304,390+24.8% since 2020
- Households
- 99,849
- Median age
- 35.9
- Homes lived in by their owners
- 64%
- Vehicles per household
- 2.0
- Land area
- 677 sq. mi.
- People per square mile
- 397
- Median household income
- $89,097+29.7% vs. 2015–2019, before inflation
- Average household income
- $117,554
- Median home value
- $399,800
- Jobs located here
- 86,425
- Daytime population
- 232,827Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Hays 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 Hays 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 Texas
Every Texas market ranked →The highest-scoring counties in Texas for insurance agencies, numbered among those based in Texas, with Hays County marked.
Top counties in Texas
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Waller County, TX | 96 | 11 | 6.0 | $4.8M | +21.9% | #7 of 2,272 |
| 2Bandera County, TX | 95 | 7 | 7.6 | $3.7M | +9.0% | #18 of 2,272 |
| 3Chambers County, TX | 93 | 19 | 11.0 | $2.5M | +22.6% | #29 of 2,272 |
| 4Grimes County, TX | 92 | 8 | 7.8 | $3.5M | +16.3% | #31 of 2,272 |
| 5Caldwell County, TX | 92 | 16 | 9.6 | $2.9M | +20.0% | #37 of 2,272 |
| 6Bastrop County, TX | 92 | 40 | 10.8 | $2.6M | +21.3% | #39 of 2,272 |
| 7Blanco County, TX | 89 | 6 | 11.6 | $2.4M | +18.6% | #77 of 2,272 |
| 8Coryell County, TX | 84 | 20 | 7.4 | $3.4M | +3.0% | #138 of 2,272 |
| 9Wilson County, TX | 83 | 22 | 12.1 | $2.5M | +12.2% | #165 of 2,272 |
| 10Guadalupe County, TX | 83 | 76 | 11.6 | $2.4M | +15.8% | #168 of 2,272 |
| 25Hays County, TX | 77 | 135 | 13.5 | $1.9M | +24.8% | #298 of 2,272 |
Other business types in Hays 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 Hays County, TX?
Hays County has 135 insurance agencies on map listings as of September 2026. 47 of them (35%) are chain locations. The listings count insurance agencies. Official counts show 81 businesses with payroll classed as insurance agencies and brokerages in 2023, up 22.7% from 2019.
How much do households in Hays County, TX spend on vehicle insurance?
About $261.5M a year, or $2,619 per household. That is 34% above the U.S. average (an index of 134, where 100 is the U.S. average). Spread across the 135 insurance agencies on map listings, it comes to $1.9M per agency. It is estimated from the incomes of the 99,849 households in Hays County and national spending patterns by income.
How does Hays County, TX compare with the U.S. for insurance agencies?
Hays County has 13.5 insurance agencies per 10,000 households, 13% below the U.S. rate of 15.6. Spending per agency is $1.9M, 54% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Hays County would have about 208, against 135 on map listings. There is one business with payroll in the industry for every 1,233 households, against one for every 966 across the U.S. The official count rose 22.7% from 2019 to 2023, against −1.0% for the U.S.
How fast is Hays County, TX growing?
Population estimates put Hays County at 304,390 people in 2025, up 24.8% since 2020, faster than the U.S. (+3.1%). It has 99,849 households. The median household income in Hays County is $89,097 a year, 10% above the U.S. median of $80,734. That rose 29.7% 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. Hays County scores 77 for insurance agencies (high), #298 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Hays 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 Hays County
Screening a site or an acquisition in Hays 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 Hays 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.