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Orange County

Orange County Driving Statistics and Analysis

Orange County's highways are home to an estimated 1,164,728 private and commercial vehicles. This figure represents around 6.44% of all vehicles registered in the state of Florida.

Over 78% of adult drivers in Orange County drive by themself to work, and nearly half of those commutes last more than 30 minutes.

With an estimated 20% of Florida drivers driving without insurance, around 230,000 vehicles in Orange County alone may be uninsured or underinsured.

Nearly every fourth crash in Orange County is a hit and run.

Motor Vehicle Crashes in Orange County

In Orange County, motor vehicle fatalities occur at a rate of 11.30 per 100,000 vehicles on the road, resulting in around 132 fatal crashes per year.

The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported 27,412 collisions in Orange County in 2021, including 205 fatal crashes that resulted in 220 deaths (including 28 motorcyclists). Alcohol has been identified as the primary cause of fatal collisions in Orange County, accounting for an estimated 24% of all driving fatalities.

Auto Insurance Analysis

  1. Over 1 million vehicles registered in Orange County need insurance coverage. To protect people from the damage you may do in an accident, all vehicles on the road are required to have Basic Liability and Personal Injury Protection (PIP) coverage. The additional required insurance may be: Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, Gap, Ride-sharing, and so on, depending on the type of vehicle and its use.

  2. One of the reasons that auto premiums in Orange County tend to be higher than in less densely populated counties is that over 700,000 drivers commute every day. Because everyone is driving their own car, there are more vehicles on the road, which increases the likelihood of an accident. As risk increases, so do premium rates.

  3. Longer daily commute of over 400,000 Orange 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. With one-fourth of all crashes being hit-and-runs and 1 out of every 5 drivers being uninsured, Uninsured Driver Coverage is becoming increasingly important for Orange County residents.

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

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Car Insurance in Florida

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Orange County Housing Statistics and Analysis

Similar to the rest of Florida, where the majority of homes are owner-occupied (65%), Orange County's estimated 587,608 housing units are split between owner-occupied (55%) and renters (45%). Almost every other residence is a rental in Orange County, which contrasts with adjacent counties, which are mostly made up of owner-occupied homes. Both Brevard County and Lake County have the highest percentage of owner-occupied homes (over 74%), whereas Osceola County has the second-lowest (61%), after Orange County.

Across Florida, Sumter County has the most homes occupied by owners (nearly 90%) while Miami-Dade County offers the highest percentage of its real estate (49%) as rentals.

Overcrowding, poor plumbing, or kitchen issues affect about 21% of Orange County's housing units. 1 out of every 4 households spends more than half of their income on housing.

Housing Insurance Analysis

  1. Nearly 600,000 housing units in Orange County need insurance. All owners of these properties should have Homeowners, Condo, and/or Business property insurance (for apartment complexes) in order to safeguard the underlying financial investment against the possibility of loss or damage.

  2. Landlords in Orange County, where nearly 300,000 housing units are for rent, purchase Landlord Insurance, which protects the property from potential liability claims brought on by renters and their guests.

  3. Renters insurance Orlando: Tenants purchase Renters Insurance to protect their things from potential loss or property damage. Typical renters' insurance is inexpensive and protects a tenant's belongings against theft and damage from fire, smoke, water, and vandalism. Some Orange County landlords may stipulate renter's insurance as a condition of the lease.

For consultation and to get a quote on Homeowners, Renters, Condo, Flood, and other types of insurance in Orange County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Florida.

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Residential Insurance in Florida

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Orange County Health Statistics and Analysis

Over 17 % of adult residents in Orange County lack adequate health insurance, which is lower than the state average (19%) but not the lowest among neighboring counties. Seminole County has an uninsured adult rate of over 14%, and Lake County has a similar rate to Orange County. Meanwhile, Volusia County, Osceola County, and Polk County all have a similar uninsured rate of over 18%. Hendry County has the highest uninsured adult rate in the state of Florida, with 35% of residents uninsured, while St. Johns County has the lowest rate, with less than 13% of adult residents uninsured. In 2021, the average rate of uninsured adults in Florida was approximately 19.2%.

More than 1 in 5 adults (or over 287,000 residents) in Orange County report problems with health.

Over 24% of the population of Orange County does not engage in physical activity.

Approximately 27% of Orange County residents are obese (with a BMI of 30 or higher), which is comparable to the state average of over 27 percent. Most neighboring counties are above the state average, with Seminole County having the lowest obesity rate at approximately 26%, and Polk County having the highest at over 36%.

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

Health Insurance Analysis

  1. Health insurance is the most essential insurance coverage, yet over 200 thousand Orange County people lack it.

  2. Florida is one of the states that permits the sale of a variety of health insurance and supplemental products. This makes it easier for Orange County residents to choose coverage that meets their individual 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. If health insurance is not acquired because it is too expensive, low-income residents are often advised to apply for government subsidies, which can significantly reduce the cost of insurance coverage.

  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 plans available to Orange County residents.

A Florida health 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, 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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Health Insurance in Florida

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Orange County End of Life Statistics and Analysis

Average life expectancy for the residents of Orange County is between 80 and 81 years old, which is comparable to the state average in Florida (80). Among the neighboring counties, Seminole County shows a similar life span to Orange County. Polk County and Lake County both average at over 78 years old.

While Collier County has the highest average life expectancy in the state (86 years old), the lowest life span in Florida is seen in Union County, at under 69 years old.

In 2022 there were approximately 175,000 seniors (65 and older) residing in Orange 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. Nearly 16% of adults in Orange County smoke (lowest in Florida), and this habit will almost certainly boost the life insurance rates of nearly 175,000 adults by up to 4 times when compared to non-smokers. Smokers have a shorter life expectancy, which makes them more of a risk than nonsmokers.

Orange County Final Expenses Statistics and Analysis

Funeral costs in and around Orange County vary greatly. The average funeral cost in Orange County is roughly $6,000, which is comparable to the Florida state average (also $5,900). Osceola County has the highest average funeral expense near Orange County, at around $7,300, while Brevard County tends to be lowest, at $4,900 average.

Life Insurance Analysis

  1. With 46% of Americans dying with less than $10,000 in savings, over 80,000 Orange County senior residents may be putting an unnecessary and often intolerable financial strain on family and friends. Instead of focusing on their loss, the family must focus on finding a means to pay to bury the loved one. (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, Indexed Universal Life (IUL) insurance, and Final Expense (FE).

To find out more about life insurance options and to get life insurance quotes in Orange 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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Life Insurance in Florida

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Orange County - Business

Each of Orange County's more than 48 thousand businesses has different insurance requirements. In 2020, the three industries that created the most jobs and accounted for over 48% of all employment in the county were:

  • Education & Health Services (19.9%)

  • Manufacturing (18.3%)

  • Financial activities (18.3%)

Commercial Insurance Analysis

  1. Health providers usually get medical malpractice coverage according to the amount of damage their work can cause to the patients.

  2. Manufacturing businesses usually require insurance coverage for:

    • Production facilities and property

    • Employees’ health and safety

Product liability coverage protects the manufacturer itself if their product hurts the consumer and a claim or a lawsuit is filed against the company.

  1. Nearly 18 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 financial losses.

To assess your business insurance needs and to get a commercial insurance quote in Orange County, speak with a knowledgeable Florida-licensed commercial insurance agent with access to multiple insurers.

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Commercial Insurance in Florida

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