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Santa Rosa County

Driving in Santa Rosa County

Santa Rosa County has an estimated 162,177 registered automobiles, which accounts for 0.9% of all vehicles in Florida.
Over 81% of adult drivers in Santa Rosa County drive alone to work, with over 58,000 commuting daily for 30 minutes or more.
It is estimated that 20% of Florida drivers are uninsured and over 32,000 vehicles in Santa Rosa County alone could be uninsured.
About every 7th crash in Santa Rosa County is a hit and run.

Motor Vehicle Crashes in Santa Rosa County

Motor vehicle fatalities in Santa Rosa County statistically occur at a rate of 14.50 per 100,000 vehicles on the road: approximately 23-24 fatal crashes per year.
In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported over 2,283 crashes in Santa Rosa County: 22 fatal crashes, with a resultant 23 deaths (including 4 motorcyclists). Alcohol was determined as the main factor for the fatal crashes in Santa Rosa County in an estimated 21% of all driving fatalities.

Auto Insurance Analysis

  1. Over 162 thousand vehicles registered in Santa Rosa 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, Comprehensive Coverage, Commercial Transportation, Inland Marine, Gap, Ride-sharing, and so on.
  2. With about every 7th of crashes as a hit-and-run and with possibly over 58 thousand drivers uninsured, Uninsured Driver Coverage is increasingly important for Santa Rosa County residents.
    To discuss your auto insurance needs and to find affordable car insurance in Santa Rosa County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Florida.

Santa Rosa County Housing

There are around 78,968 housing properties in Santa Rosa County, which are primarily occupied by the owners themselves (76%). This is similar to the majority of Florida (where approximately 65% is owner-occupied). Roughly 24% of the homes are rental units. Santa Rosa County has the highest homeownership rate among its neighbors.
Most of the neighboring counties are also dominated by owner-occupied homes. Next to Santa Rosa County is Okaloosa County with 63% of its homes inhabited by the owners followed by Escambia County with 62%.
Over 12% of housing units in Santa Rosa 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. Almost 79 thousand housing units in Santa Rosa 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. With around 19,000 housing units in Santa Rosa County as rentals, landlords obtain Landlord Insurance, which covers the property itself and the possible liability claims arising from the tenants and their guests.
  3. Renters insurance Navarre: Tenants buy Renters Insurance coverage to protect their belongings from possible damage or loss. Typically, renters’ insurance is affordable and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Santa Rosa County may require Renters Insurance before putting pen to paper on a lease.
  4. Santa Rosa 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 Santa Rosa 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 Santa Rosa 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 Santa Rosa 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)

Santa Rosa County Health

In Santa Rosa County, over 14% of adults do not have proper health insurance coverage, and this figure is lower than the state average (≈19.2%). It is also the lowest percentage compared to its immediate neighbors, while Okaloosa County has the highest uninsured adult rate, at 16%.

Over 18% (over 35,000 of adult residents) in Santa Rosa County report problems with health.

This is probably due to the fact that among the adult population, 21% smoke, 23% consume alcohol excessively, and over 1 out of 4 (≈29%) of the total population does not exercise regularly despite the fact that virtually most of them (≈77%) have access to areas where physical exercise can be done.

As of 2022, there were 14 health insurers in Santa Rosa County offering affordable and frequently subsidized ACA health insurance on the Florida health marketplace.

Health Insurance Analysis

  1. Health insurance is the most vital type of insurance coverage, and over 24 thousand residents of Santa Rosa County lack this necessity.
  2. Floridians are permitted to purchase multiple types of health insurance and supplemental products inside the state. This makes it easier for Santa Rosa residents to obtain coverage that fits their specific needs (both medically and financially): Group or Individual Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
  3. Low-income health insurance: Understandably, not everyone can afford health insurance due to the costs involved. In such cases, those who do not have the funds for this coverage are advised to apply for government subsidies that can significantly lower or even almost eliminate the out-of-pocket costs of insurance.
  4. If you do not have pre-existing conditions, Short-term 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 state-licensed Florida health insurance professional with access to a variety of health insurance plans available to Santa Rosa 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.

Santa Rosa County End of Life Statistics and Analysis

The average life expectancy for the residents of Santa Rosa County is 77.6 years old, which is lower than the state average in Florida (80). It is the second-highest among its neighbors, and the longest life span is observed in Okaloosa County with an average of 77.9.

Statewide, Collier County shows a longer life span of 86, posting the longest average in the state. The lowest life span in Florida is seen in Union County, at under 69 years old.

In 2022 there were approximately 31,000 seniors (65 and older) residing in Santa Rosa 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. More than 21% of the adults in Santa Rosa County smoke, and this habit will definitely increase the life insurance premiums of almost 31,000 of these individuals 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.

Santa Rosa County Final Expenses Statistics and Analysis

Funeral expenses in and around Santa Rosa County vary drastically. The average price of a funeral in Santa Rosa County is around $6,000, which is very close to the Florida state average (of $5,900). Among the neighbors of Santa Rosa County, Escambia County has the same average funeral cost of almost $6,000.

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

Life Insurance Analysis

  1. With 46% of Americans dying with savings of less than $10,000, more than 14 thousand Santa Rosa County senior residents could be placing an 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.

    (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. 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.

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

Santa Rosa County - Business

Commercial insurance needs vary between each almost 4 thousand business establishments in Santa Rosa County. The three largest job-creating sectors, accounting for 54% of all employment in the county in 2020 were:

  • Manufacturing (21.3%)
  • Government (17.4%)
  • Education and Health Services (15.3%)

Commercial Insurance Analysis

  1. Manufacturing businesses usually require insurance coverage for:
  • Production facilities and property
  • Employees’ health and safety
  • Product liability coverage to protect the company itself if its product hurts the consumer, etc.
  1. Health providers usually get medical malpractice coverage according to the amount of damage their work can cause to the patients.
    To assess your business insurance needs in Santa Rosa County and to get a commercial insurance quote, speak with a knowledgeable Florida-licensed commercial insurance agent with access to multiple insurers and premium finance options. Always try to compare at least 2 or 3 options before deciding on the coverage.