Duval County
Duval County Driving Statistics and Analysis
Around 800,570 personal and commercial automobiles consider Duval County roads as their home. This accounts for roughly 4.4% of the total vehicles registered in the entire state of Florida.
The percentage of drivers that commute to and from work alone is over 80%, and roughly 1 in 3 of those trips last for more than half an hour to complete.
Uninsured drivers in Florida make up 20% of the total number of drivers, and more than 160,000 vehicles in Duval County alone may be uninsured or underinsured.
Approximately 1 in 3 vehicular accidents in Duval County is a hit-and-run.
Motor Vehicle Crashes in Duval County
In Duval County, vehicle fatalities statistically occur at a rate of 14.92 per 100,000 cars, with roughly 119 fatal crashes yearly.
In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported 24,435 crashes in Duval County: 179 fatal crashes resulting in 192 deaths (including 40 motorcyclists). Statistically, nearly 28% of all driving fatalities in Duval County involve alcohol.
Auto Insurance Analysis
Over 800 thousand vehicles registered in Duval County need insurance coverage. Basic Liability and Personal Injury Protection (PIP) are state-mandated coverages for all vehicles in the state of Florida for protection against damages you may cause during an accident. There are additional required insurance types depending on the type of vehicle and its usage. Some of these are Collision Coverage, Private or Commercial Auto, Comprehensive Coverage, Gap Coverage, Ride-sharing Coverage, Temporary car insurance, etc.
Over 800 thousand drivers commuting daily is one reason why auto premium costs in Duval County tend to be higher compared with less densely populated counties. More vehicles are on the road when everyone drives their own car, which raises the chances of an accident. As the risk level rises, so do the premium rates.
Roughly 223,000 Duval County residents take longer everyday commutes. Staying longer on the road increases the chances of getting into a possible vehicular accident. Hence, the cost of auto insurance is raised.
The amount of vehicles on the roads keeps going up year after year, and with a third of crashes as a hit-and-run and with 1 out of 5 drivers uninsured, Uninsured and Underinsured coverage remains important for Miami-Dade Duval County residents.
To learn more about your auto insurance and to find affordable car insurance in Duval County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Florida.
Duval County Housing Statistics and Analysis
Duval County has around 436,000 housing properties, in which the homes are inhabited mostly by homeowners (57%) compared to renters (43%). Looking at Duval County’s neighbors, which are also dominated by owner-occupied residential properties, Nassau County and St. Johns County are tied for the highest homeowner-occupied rate with 80% versus 20% for rent. The average owner-occupied rate across Florida is 65%, with the remaining 35% of housing units for rent.
Nearly 18% of housing units in Duval County encounter housing issues like plumbing problems, overcrowding, or kitchen issues. In 25% of homes, residents allocate more than half of their income to housing alone.
Housing Insurance Analysis
Over 436 thousand housing units in Duval County need insurance coverage. To safeguard the investment from possible loss or property damage, all of the owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes).
Duval County has nearly 188,000 housing units listed for rent, for which the landlords acquire Landlord Insurance. It protects the property and the landlord from the possible liability claims that can come from renting the property out.
Renters Insurance Jacksonville: To protect the tenant’s belongings from damage or loss, renters usually obtain Renters Insurance. Average renters’ insurance is affordable and can cover properties from burglary and damages caused by fire, smoke, water, and vandalism. Renters insurance may be one of the lease conditions required by landlords in Duval County.
Duval County sits on the coast, not far from one of the Atlantic Ocean’s key hurricane formation zones. Hurricanes usually cause damage through wind and flooding. The highest probability of a hurricane occurrence in Duval County is between early June and the end of November. Every Florida resident should be aware of the procedures and safeguards set in place by the local County and State agencies. All homeowners, landlords, and renters in Duval County should maintain appropriate insurance coverage to protect their property against possible loss and damage from wind and water damage.
For consultation and to get a quote on Homeowners, Renters, Condo, Flood, and other types of insurance in Duval 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)
Duval County Health Statistics and Analysis
Nearly 17% of adults in Duval County lack proper health insurance coverage, which is lower than the Florida average of approximately 19%. Duval County’s uninsured adult percentage is the highest among its neighbors, followed by Clay County, with 14%, while St. Johns County has the lowest not only among its neighbors but across Florida, at under 13%. Statewide, the highest uninsured adult rate is observed in Hendry County, with 35%.
Approximately 1 in 5 residents in Duval County encounter health problems. That is more than 198 thousand residents. 27% of Duval County inhabitants do not participate in any form of physical activity, contributing to the fact that 32% of the residents are considered obese (with a BMI of 30 or more). Duval County’s obesity rate is the 3rd-highest among its immediate neighbors, with Baker County leading with 38%, while St. Johns County has the least, with 23% — closer to the Florida average of around 27%.
In 2022, there were 14 health insurers in Duval County offering affordable and frequently subsidized ACA health insurance on the Florida health marketplace.
Health Insurance Analysis
More than 146,000 residents of Duval County do not have health insurance - the most important insurance coverage.
Florida allows the purchase of multiple types of health insurance and supplemental products. This makes it convenient for Duval County residents to obtain coverage that fits their specific needs (both medically and financially). Some of the insurance options are Group or Individual Marketplace ACA Health Insurance, Various types of Short-term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
Low-income health insurance: Not everyone has the luxury of purchasing health insurance due to its high price. Low-income residents of Duval County are advised to apply for government subsidies to lower the cost of health insurance coverage significantly.
Short-term Insurance may offer an alternative option if you do not have a preexisting condition. (*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 Duval County residents.
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.
Duval County End of Life Statistics and Analysis
Duval County residents have an average life expectancy of roughly 76 years, which is shorter than Florida state-average of 80. Duval County’s life expectancy rate is 2nd-worst among its immediate neighbors, where St. Johns County has the longest life span, of nearly 81.8 years, and Baker County has the shortest, at 75.5 years.
Across the state of Florida, the longest average expected life span is in Collier County, with an average of 86 years, while Union County records the shortest, at 69 years.
In 2022 there were approximately 141,000 seniors (65 and older) residing in Duval County.
Life Insurance Facts
In 2022, 47% of Americans did not have an active life insurance policy of any type.
Age is considered a significant factor that affects the cost of life insurance policies, among other things. Hence, the best time to purchase life insurance is at an early age, as it will allow you to save money in premiums over the course of the policy.
Nearly 19% of Duval County adults smoke. This habit can definitely increase the life insurance premiums of more than 144,000 adults by up to 4 times compared to non-smokers. Life-threatening diseases are more likely to affect a smoker's life, making them more of a risk than non-smokers.
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.
Duval County - Funeral Expenses Statistics and Analysis
In Duval County, the average funeral cost is around $6,100, which is higher than the Florida average of $5,900. Among Duval County’s neighbors, Clay County reports the highest average funeral cost, at $7,100, while the most cost-effective is in Baker County, closer to $4,900. Across the state of Florida, the highest average funeral cost is in Collier County, with around $9,600, while the most affordable is located in DeSoto County and Putnam County, at roughly $4,600.
Life Insurance Analysis
- Approximately 46% of Americans pass away with less than $10,000 in savings, which means that 65,000 senior residents of Duval County could be placing a financial burden on their family and friends. Instead of mourning their loss, they’ll need to find ways to settle the funeral balances.
(Note: If using senior life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
The deceased often leaves unpaid taxes and other debts that the family needs to take care of, aside from the funeral costs.
The most utilized life insurance policies that cover final expenses for up to $50,000 are Term Life Insurance and Final Expense Insurance (FE).
The most common life insurance policies that leave money to the family 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 Duval County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison.
Duval County - Business
Duval County is home to nearly 31,857 business establishments, each one with different commercial insurance needs. The three largest job-creating sectors that account for nearly 54% of all employment in the county in 2020 were:
Manufacturing (22.3%)
Professional and Business Services (16.2%)
Financial Activities (15.7%)
Commercial Insurance Analysis
Manufacturing facilities usually require insurance coverage for:
Production areas and the property stored there,
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.
Over 11 thousand professional services and consulting businesses in Duval County can benefit from Errors and Omissions insurance (E&O Insurance), which is professional liability insurance that protects clients if professional advice causes damages or losses.
Evaluate your business insurance needs and get a commercial insurance quote in Duval County by speaking with a knowledgeable commercial insurance agent licensed in Florida who has access to multiple insurers and premium finance options.
