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Baker County

Baker County Driving Statistics and Analysis

The highways of Baker County are home to approximately 24,864 private and commercial vehicles. The figure accounts for 0.14% of all the automobiles registered in the entire state of Florida.

Over 80% of Baker County drivers commute to and from work by themselves, and more than half (52.9%) of those travels last for more than 30 minutes to complete.

Roughly 20% of drivers in Florida are uninsured, which means nearly 5,000 vehicles in Baker County alone could be uninsured or underinsured.

1 in 5 crashes in Baker County is reported as a hit-and-run.

Motor Vehicle Crashes in Baker County

Automobile fatalities in Baker County statistically occur at a rate of 22.02 per 100,000 vehicles on the road: over five fatal crashes per year.

In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported 442 crashes in Baker County: 6 fatal crashes, resulting in seven deaths (including 1 motorcyclist). Statistically, more than 36% of all driving fatalities in Baker County involve alcohol.

Auto Insurance Analysis

  1. Almost 25 thousand registered vehicles in Baker County need some type of insurance coverage. Basic Liability and Personal Injury Protection (PIP) coverage are required by law in Florida state to all cars to protect others from the possible damages that you may cause during a vehicular accident. The insurance coverage that you will acquire will depend on the type of vehicle and usage. The additional required insurance may be: Private Auto, Farm or Commercial Auto, Comprehensive Coverage, Farm or Commercial Transportation, Inland Marine, Ride-sharing Coverage, Short-term Car Insurance, etc.
  2. The majority of Baker County is rural, and although vehicles that utilize rural roads are less susceptible to vehicular collisions, wildlife-vehicle collisions are more likely to happen — this is especially true for Florida with its diverse ecosystem, where animals (such as deer, black bears, alligators, and various birds) frequently cross the road. According to a study reported by the Florida Fish and Wildlife Conservation Commission (FWC), there has been a 92% increase in the black bear population in northern Florida from 2002 to 2015, making rural road crossings more likely. Although Personal Injury Protection coverage can cover your medical expenses and loss of income, having Comprehensive auto insurance will help with the cost of repairing the car after hitting an animal.
  3. With 20% of both uninsured drivers and crashes reported as a hit-and-run, Uninsured Driver Coverage is becoming increasingly important for Baker County residents.

To learn more about your auto insurance and to find affordable car insurance in Baker County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Florida.

Baker County Housing Statistics and Analysis

Baker County has an estimated 10,656 housing units which are mostly made up of owner-occupied homes (75%) versus renters (25%). Nassau County leads the peer counties with an 80% owner-occupied rate, while Duval County is split almost evenly, with 57% homeowners and 43% renters.
Approximately 12% of the housing units in Baker County experience housing problems like plumbing issues, kitchen problems, or overcrowding. In 1 out of 4 houses, residents allocate over 50% of their salary to housing alone.

Housing Insurance Analysis

  1. Almost 11 thousand housing units in Baker County require some type of insurance coverage. At the very least, all owners of these properties should have Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) to protect the financial investment from possible damage or loss.
  2. Landlords acquire Landlord Insurance to protect themselves and the property from possible liability claims that can arise from the tenants.
  3. Renters insurance Macclenny: For the tenants to protect their property from possible damage or loss, they purchase Renters Insurance. This insurance is usually affordable and can cover the tenant’s belongings from loss and damages caused by fire, smoke, water, and vandalism. Some of the landlords in Baker County could require renters insurance as part of the condition of the lease.
    For inquiries and other information about Homeowners, Renters, Condo, Flood, and different types of insurance in Baker County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Florida.
    A Florida P&C insurance agent:
  • Examines your needs and limitations
  • Examines your current policy to ensure that the coverages reflect the housing market's current requirements and help update if needed
  • Reviews the local plans that meet your requirements and is generally able to discover a better offer than a customer might get on their own
  • Checks for available savings and bundling discount
  • Lays out available options of coverage
  • Describes the effect of the different options once the insurance policy becomes active
  • Helps you with the process of application
  • Does not influence your cost of insurance (Agent’s service is usually paid by the insurer)

Baker County Health Statistics and Analysis

In Baker County, nearly 14% of adult residents do not have adequate health insurance coverage, which is 5 percentage points lower than the Florida state average. Looking at Baker County’s neighbors, Duval County and Union County are tied for the highest uninsured adult, with almost 17%, while Nassau County ranks the least, with over 13% of adults uninsured. In the entire state of Florida, Hendry County has the highest uninsured adult rate at around 35%, while the lowest is observed in St. Johns County at under 13%.
Around 22% of adults (or more than 6,500 residents) report health problems in Baker County.
Furthermore, nearly 34% of the residents in Baker County fail to engage in any physical exercise activities, which may be one of the reasons why 38% of its residents are considered obese (with a BMI of 30 or more), which ranks the highest among its neighboring counties. Among Baker County’s neighbors, Nassau County has the lowest obesity rate at roughly 30%. The average obesity rate in the entire state of Florida is 27%.
In 2022, there were 14 health insurers in Baker County that provided inexpensive and frequently subsidized ACA health insurance on the Florida health marketplace.

Health Insurance Analysis

  1. Almost 4 thousand Baker County residents do not have the most important insurance coverage, which is Health Insurance.
  2. The sale of various types of health insurance and supplemental products is allowed in the state of Florida, which makes it easier for the residents of Florida to obtain the coverage that best fits their needs (both medically and financially). Some of the available options are Marketplace ACA Health Insurance, Multiple types of Short-term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
  3. Low-income health insurance: Low-income consumers are generally advised to apply for government subsidies if they are unable to purchase health insurance due to its high price, as this will substantially lower the cost of insurance.
  4. If you do not have a pre-existing condition, Short-term Insurance may provide an alternative option. (* Some Florida multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage).
    Discuss your health insurance needs with a knowledgeable state-licensed Florida health insurance professional with access to a variety of health insurance plans available to Baker County residents. Offerings of health insurance coverage and its pricing may differ between zip codes.
    A Florida health insurance agent: analyzes your needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process and at any time you need to make a change to the policy or shop for replacement coverage.

Baker County End of Life Statistics and Analysis

The average life expectancy for the residents of Baker County is roughly 76 years, which is lower than the Florida average of 80 years. Comparing Baker County’s neighbors, Clay County has the highest average life span, at 77.8, while Union County reports the shortest average life expectancy, at over 68.2 years, which is also the shortest average in the entire state of Florida. Collier County holds the longest life expectancy statewide at over 86 years.
Over 4,000 seniors (65 and older) resided in Baker County in 2022.

Life Insurance Facts

  1. Approximately 47% of Americans did not have an active life insurance policy of any type in 2022.
  2. Life insurance premiums are based on the insured's age when the policy starts, among other factors. The best time to get it is while you are young, so you’ll save more in premium over the course of the policy.
  3. Approximately 25% of adult residents in Baker County are smokers. This habit will definitely raise the price of life insurance premiums for more than 5,700 adults by up to 4 times compared to non-smokers because smokers' life is deemed shorter, making them more of a risk than non-smokers.

Baker County - Funeral Expenses Statistics and Analysis

The average funeral cost in Baker County is estimated at $4,900, which already includes basic service fees, casket, embalming, transportation, viewing, and burial. Among Baker County’s neighbors, Clay County has the highest average funeral expense, at roughly $7,000, while the most cost-effective funeral is observed in Bradford County, with just $4,800. The average funeral cost in the entire state of Florida is $5,900.

Life Insurance Analysis

  1. Approximately 46% of Americans pass away with less than $10,000 in savings, which means Baker County senior residents could place their family and loved ones in a tough position in terms of funeral expense settlement. They will have no time to mourn as they will need to find a way to pay. (Note: If using senior life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
  2. The deceased usually leaves unpaid taxes and other debts, which the family needs to settle, aside from the burial cost. Speak with licensed Florida professionals regarding your senior life insurance options.
  3. Term Life Insurance and Final Expense (also known as Burial insurance) are the most utilized life insurance policies that cover “final expenses” for up to $50,000.
  4. The most used life insurance policies that can help the bereaved family financially are the variations of: Term Life Insurance and Cash Value Insurance, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expense (FE).
    To find out more about life insurance options and to get life insurance quotes in Baker County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison.

Baker County - Business

Commercial insurance needs vary between each of the 472 business establishments in Baker County. The three largest job-creating sectors, accounting for nearly 78% of all employment in the county in 2020, were:

  • Government (34.4%)
  • Manufacturing (33%)
  • Professional and Business Services (10.3%)

Commercial Insurance Analysis

  1. Manufacturing businesses usually require insurance coverage for:
  • Production facilities and property
  • Employees’ health and safety
  • Product liability coverage protects the company itself in case the product hurts someone and the injured party files a claim or a suit against the manufacturer.
  1. Professional services in the county can benefit from professional liability insurance, also known as Errors and Omissions insurance (E&O insurance), that protects their clients if the professional advice they give causes damages or losses.
    Evaluate your business insurance needs and get a commercial insurance quote in Baker County by speaking with a knowledgeable commercial insurance agent licensed in Florida who has access to multiple insurers and premium finance options. Always try to compare at least 2 or 3 options before deciding on the coverage.