Bradford County

Bradford County Driving Statistics and Analysis

Bradford County’s roads are home to an estimated 24,018 personal and commercial automobiles. This figure constitutes 0.13% of all the vehicles registered in the entire state of Florida.

Almost 86% of Bradford County’s drivers travel to and from work by themselves, and more than half (51.8%) of those travels take more than half an hour to complete.

Approximately 1 in 5 drivers in Florida are uninsured, which means nearly 5,000 automobiles in Bradford County alone could be uninsured or underinsured.

Hit-and-runs in Bradford County occur statistically in every 6th crass.

Motor Vehicle Crashes in Bradford County

The chances of motor vehicle fatalities in Bradford County happen at a rate of 29.42 per 100,000 vehicles on the road: over seven fatal crashes per year.

In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported 240 crashes in Bradford County: 6 fatal crashes, resulting in 7 deaths. Statistically, nearly 23% of all driving fatalities in Bradford County involve alcohol.

Auto Insurance Analysis

1. Approximately 24 thousand registered automobiles in Bradford County require some type of insurance coverage. Florida state mandates basic Liability and Personal Injury Protection (PIP) coverages for all automobiles to protect others from the damages that you may cause during a vehicular accident. Choosing the right insurance coverage will depend on the type of vehicle and how it is used. The additional required insurance may be: Private Auto, Farm or Commercial Auto, Comprehensive Coverage, Farm or Commercial Transportation, Inland Marine, Ride-sharing Coverage, Temporary Car Insurance, etc.
2. The majority of Bradford County is rural, which means the chances of 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 16% of crashes reported as a hit-and-run, and with 20% of drivers uninsured, Uninsured Driver Coverage remains important for Bradford County residents.

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

Bradford County Housing Statistics and Analysis

Similar to the majority of Florida, where homes are occupied by the owner (65%), Bradford County’s roughly 11,151 housing units are mostly made up of homeowner-occupied homes (69%) against rental units (31%). Among Bradford County’s neighbors, the highest homeowner-occupied rate is seen in Baker County with 75%, while Alachua County is almost split evenly with 55% homeowners and 45% renters — meaning every other housing unit is a rental.
Almost 14% of Bradford County’s housing units experience housing problems like plumbing issues, overcrowding, or issues with the kitchen. It is estimated that in 25% of homes, residents allocate more than half of their salary to housing alone.

Housing Insurance Analysis

1. Bradford County has roughly 11 thousand housing units that need some type of insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance and/or Business Property Insurance (for apartment complexes) for the financial investment’s protection against possible damages or total loss.
2. With more than 3,000 housing units in Bradford County listed for rent, landlords purchase Landlord Insurance, which covers the property itself in case tenants lodge possible liability claims.
3. Renters Insurance Starke: Renters Insurance is obtained by the tenants to safeguard their property from possible damage or loss. The standard renters’ insurance is usually inexpensive and can cover the tenant’s property from loss and damages caused by fire, smoke, water, and vandalism. Bradford County landlords may require renters insurance as part of the lease conditions.
   For inquiries and other information about Homeowners, Renters, Condo, Flood, and different types of insurance in Bradford 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)

Bradford County Health Statistics and Analysis

Approximately 16% of adult residents in Bradford County do not have proper health insurance coverage, which is lower than the state average of 19%. Among Bradford County’s neighbors, Putnam County has the highest uninsured adult rate, at roughly 22%, followed by Duval County, with almost 17%. Meanwhile, Alachua County reports the lowest uninsured adult rate at over 13%. In the entire state of Florida, Hendry County has the highest uninsured adult rate of 35%, while St. Johns County has the lowest rate of residents without proper health insurance coverage, at under 13%.
Almost 25% of adults ( or over 7,000 residents) in Bradford County experience health problems.
Furthermore, around 35% of the Bradford County residents fail to participate in any physical exercise activities, contributing to approximately 37% of its residents being obese (with a BMI of 30 or more), which is 10 percentage points higher than the Florida average (27%). Compared to Bradford County’s neighbors, Putnam County has the highest obesity rate at almost 39%, with Alachua County reporting the lowest rate, at 27%
In 2022, there were 14 health insurers in Bradford County that provided inexpensive and frequently subsidized ACA health insurance on the Florida health marketplace.

Health Insurance Analysis

1. Over 4,000 residents of Bradford County do not have the most important insurance coverage, which is Health Insurance.
2. Florida is allowed to sell multiple types of health insurance and supplemental products, which makes it very convenient for Floridians to purchase the coverage that best fits their specific needs (both medically and financially). Some available options are Marketplace ACA Health Insurance, Various types of Short-term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
3. Low-income insurance: 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. Short-term Insurance offers an alternative option if you do not have pre-existing conditions. (* 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 Bradford 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.

Bradford County End of Life Statistics and Analysis

In Bradford County, the average expected life span of the residents is roughly 75 years, which is five years shorter than the Florida average (80 years). Among Bradford County’s neighbors, the longest life expectancy is seen in Alachua County, at around 79 years, while the shortest is observed in Union County, at just over 68 years, which is also the shortest state-wide. Collier County has the longest life span in the entire state of Florida, with over 86 years.
More than 5,000 seniors (65 and older) resided in Bradford County in 2022.

Life Insurance Facts

1. In 2022, 47% of Americans did not have an active life insurance policy of any type.
2. Life insurance premiums are based on the insured's age when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy
3. Approximately 27% of adult residents in Bradford County smoke. This habit will definitely raise the price of life insurance premiums for more than 6,000 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.
4. Permanent Life Insurance also has a cash value component, which can be used while the insured is still alive: to borrow against, for emergency expenses, or as a tax-free retirement income.

Bradford County Final Expenses Statistics and Analysis

The funeral expenses in and around Bradford County vary drastically. The average funeral cost in Bradford County is around $4,800, which is also the lowest among its neighboring counties. Compared to its peer counties, Clay County posts the highest funeral expenses, at an average of $7,000, followed by Alachua County with $5,700. The average funeral cost in the entire state of Florida is $5,900.
Statewide, Collier County tends to have the most expensive funerals, while Putnam County and DeSoto County have the lowest in Florida, both closer to $4,600.

Life Insurance Analysis

1. Roughly 46% of Americans pass away with no more than $10,000 in savings, which means Bradford 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 life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
2. The deceased often leave unpaid taxes and other debts that the family needs to settle, aside from the burial expenses. Discuss your senior life insurance options with licensed Florida professionals.
3. Term Life Insurance and Final Expense Insurance are the most utilized life insurance policies that cover “final expenses” for up to $50,000.
4. The most employed 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 Bradford County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison.

Bradford County - Business

Commercial insurance needs vary between each of the approximately 536 business establishments in Bradford County. The three largest job-creating sectors, accounting for almost 68% of all employment in the county in 2020, were:

• Government (30.8%)
• Manufacturing (25.6%)
• Education and Health Services (11.1%)

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. Health providers usually get medical malpractice coverage according to the amount of damage their work can cause to the patients.
   Evaluate your business insurance needs and get a commercial insurance quote in Bradford 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.