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Leon County

Leon County Driving Statistics and Analysis

An estimated 242,738 private and commercial vehicles call the roads of Leon County their home. This number accounts for approximately 1.34% of all vehicles registered in the entire state of Florida.

Over 80% of adult drivers in Leon County commute to work by themselves, which means carpooling to and from work is not very popular in Leon County. About 1 out of 5 of those commutes last for over 30 minutes.

With about 20% of drivers in Florida are uninsured, roughly 48,500 vehicles in Leon County alone could be uninsured or underinsured.

Approximately every third crash in Leon County is a hit and run.

Motor Vehicle Crashes in Leon County

Motor vehicle fatalities in Leon County statistically occur at a rate of 9.42 per 100,000 vehicles on the road: approximately 23 fatal crashes per year.

In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported over 6,598 crashes in Leon County: 38 fatal crashes, with a resultant 46 deaths (including 3 motorcyclists). Alcohol is determined as the main factor for the fatal crashes in Leon County in an estimated 31% of all driving fatalities.

Auto Insurance Analysis

  1. Over 240 thousand vehicles registered in Leon County need insurance coverage. Basic Liability and Personal Injury Protection (PIP) coverages are required for all vehicles on the road to protect others from the damage you may cause in an accident. Depending on the type of vehicle and its use, the additional required insurance may be: Private Auto, Commercial Auto, Non owners car insurance, Comprehensive Coverage, Commercial Transportation, Inland Marine, Gap, Ride-sharing, Temporary car insurance, and so on.

  2. Approximately 160 thousand drivers operating a separate vehicle in one area will raise the auto insurance premium rates in Leon County. With this amount of vehicles on the road, the likelihood of a vehicular collision is high.

  3. Longer daily commute of over 44,000 Leon County residents raises the cost of auto insurance, because it increases the amount of time a driver spends on the road, which in return increases the chances of getting into a possible car accident.

  4. The amount of vehicles on the roads keeps going up year after year, and every third of crashes as a hit-and-run and with 1 out of 5 drivers uninsured, Uninsured Driver Coverage remains important for Leon County residents.

To discuss your auto insurance needs in Leon County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Florida.

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Leon County Housing Statistics and Analysis

Unlike the majority of Florida, where the homes are mostly owner-occupied (≈65%), Leon County’s estimated 138,000 housing unit market is split almost evenly between Homeowner-occupied and Renters (53% to 47%). Most of the neighboring counties are also dominated by owner-occupied homes, with Wakulla County leading the group with about 82% of its residential real estate occupied by owners, followed by Jefferson County at 77% (with 23% of homes for rent).

Over 20% of housing units in Leon County experience housing problems, overcrowding, poor plumbing, or issues with the kitchen. In 1 out of 4 homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis

  1. Over a hundred thousand housing units in Leon County need insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from possible loss or damage.

  2. Nearly 65,000 housing units in Leon County as rentals, landlords obtain Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants and their guests.

  3. Renters insurance Tallahassee: Tenants in Leon County usually obtain renters’ coverage to protect their belongings from possible damage or loss while residing in a rented space. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Leon County may require Renters insurance as a condition of the lease.

  4. Leon County is located on the coast, not far from one of the main hurricane formation areas in the Atlantic Ocean. Hurricanes bring in primarily wind and flood damage. The highest probability of a hurricane occurrence in Leon 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 Leon County need to maintain appropriate insurance coverage to protect their property against possible loss and damage from wind and water damage.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Leon County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Florida.

A Florida P&C insurance agent:

  • analyzes your needs and restrictions,

  • reviews your current policy, to make sure that the coverages are reflective of the current needs and housing market- helps to update, if needed,

  • researches the locally available plans that fit your needs and is usually able to find a better deal than a consumer can find on their own,

  • checks for available savings and bundling discounts,

  • provides you with the available options of coverage,

  • explains how the differences between the options affect you once you start using each insurance product,

  • assists you with the application process,

  • does not affect your cost of insurance. (agent’s service is usually paid by the insurer)

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Leon County Health Statistics and Analysis

In Leon County, approximately 14% of adult residents lack proper health insurance coverage, the lowest within the neighboring counties. In the region, Gadsden County has the highest uninsured adult rate with about 19% of its adult residents being uninsured, close to the state average (≈19.2%). The second-lowest rate is observed in Wakulla County at 15%.

The highest uninsured adult rate in the state of Florida is in Hendry County, with 35% of adult residents uninsured, while the lowest rate is observed in St. Johns County at under 13%.

At least 17% of adults (≈50,000) in Leon County report problems with health.

About 22% of the Leon County population do not participate in physical exercise activities.

Over 31% of the Leon County residents are considered obese (with a BMI of 30 or more), which is the lowest among its neighbors but still higher than the Florida average of over 27%. Among the neighboring counties, all are above the state-average: Gadsden County reports the highest – at 44% of the residents, while Wakulla County and Liberty County both have 40% of their residents that may be considered obese.

In 2022, there were 14 health insurers in Leon County, offering affordable and frequently subsidized ACA health insurance on the Florida marketplace.

Health Insurance Analysis

  1. Health insurance is the most important insurance coverage, and about 39 thousand residents of Leon County lack this necessity.

  2. The sale of multiple types of health insurance and supplemental health insurance is allowed in Florida. This makes it easier for Floridians to obtain coverage that fits their specific needs (both medically and financially): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. To be able to afford health insurance, low-income consumers are generally advised to apply for government subsidies, which can substantially lower the cost of insurance.

  4. If you do not have pre-existing conditions, Short term health insurance may provide an alternative saving path. (* 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 options available to Leon 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.

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Leon County End of Life Statistics and Analysis

Average life expectancy for the residents of Leon County is approximately 79.4 years old, the highest among its surrounding counties and also about the same with the state average in Florida (80 years old). Among the neighboring counties, Jefferson County shows the second-highest life span at 78 years old. On the other hand, Wakulla County and Gadsden County both have an average lifespan of 77 years old. The lowest lifespan among Leon County’s neighbors is observed at Liberty County averaging 76 years old.

In the whole state of Florida, Collier County has the longest life expectancy average at 86 years old, while Union County has the shortest at 69 years.

In 2022 there were approximately 41,000 seniors (65 and older) residing in Leon County.

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 age of the insured 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 19% of the adults in Leon County smoke, and this habit will likely increase the life insurance premiums of nearly 46,000 adults by up to 4 times compared to non-smokers. A smoker’s life expectancy is deemed shorter, making them more of a risk than people who do not smoke.

  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 source of tax-free retirement income.

Leon County - Funeral Expenses Statistics and Analysis

Funeral expenses in and around Leon County vary drastically. The average price of a funeral in Leon County is around $6,900, which is higher than the Florida state average (of $5,900) and also the highest cost in the surrounding area. Among the neighbors of Leon County, Jefferson County has a similar average funeral cost, and Gadsden County has the lowest average funeral cost averaging $5,300.

In fact, Collier County has the most expensive funeral cost average in the entire state (≈$9,600), while Putnam County and DeSoto County have the lowest, both at around $4,600.

Life Insurance Analysis

  1. With 46% of Americans dying with savings of less than $10,000, almost 19 thousand Leon County senior residents could be placing the unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay for the funeral. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of.

  3. The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense Insurance.

  4. The most commonly used life insurance policies to leave money to the family are the variations of: Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Universal Life insurance, and Final Expense (FE).

To find out more about life insurance options in Leon County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison.

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Leon County - Business

Commercial insurance needs vary between each of the over 9,000 business establishments in Leon County. The 4 largest job-creating sectors, accounting for roughly 74% of all employment in the county in 2020 were:

  • Government (32.9%)

  • Professional and Business Services (15.3%)

  • Manufacturing (12.9%)

  • Financial Activities (12.9%)

Commercial Insurance Analysis

  1. More than 3 thousand professional services and consulting businesses in the county can benefit from the professional liability insurance, also known as Errors and Omissions insurance (E&O insurance), that protects their clients in case the professional advice they give causes damages or losses.

  2. Manufacturing businesses usually require insurance coverage for:

    • Production facilities and property

    • Employees’ health and safety

    • Product liability coverage to protect the company itself if their product hurts the consumer, etc.

To assess your business insurance needs in Leon County, speak with a knowledgeable Florida-licensed commercial insurance agent with access to multiple insurers and premium finance options.

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