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St. Johns County

St. Johns County Driving Statistics and Analysis

An estimated 247,900 private and commercial vehicles call the roads of St. Johns County their home. This number accounts for approximately 1% of all vehicles registered in the entire state of Florida.

Over 80% of adult drivers in St. Johns County commute to work by themselves, and almost half of those commutes last for over 30 minutes.

With an estimated 20% of Florida drivers uninsured, about 50,000 vehicles in St. Johns County alone could be uninsured or underinsured.

Approximately every fourth crash in St. Johns County is a hit and run.

Motor Vehicle Crashes in St. Johns County

Motor vehicle fatalities in St. Johns County statistically occur at a rate of 14.16 per 100,000 vehicles on the road: approximately 35 fatal crashes per year.

In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported over 3,769 crashes in St. Johns County: 32 fatal crashes, with a resultant 36 deaths (including 4 motorcyclists). Alcohol is determined as the main factor for the fatal crashes in St. Johns County in an estimated 21% of all driving fatalities.

Auto Insurance Analysis

  1. Over 200 thousand vehicles registered in St. Johns 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. Longer daily commute of nearly 75,000 St. Johns 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.

  3. The amount of vehicles on the roads keeps going up year after year, and with a fifth of crashes as a hit-and-run and with 1 out of 5 drivers uninsured, Uninsured and Underinsured coverage remains important for St. Johns County residents.

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

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St. Johns County Housing Statistics and Analysis

St. Johns County's approximately 131,943 housing units are divided between homeowners (80%) and renters (20%), similarly to the rest of Florida, where the majority of residences are also owner-occupied (split at 65% owners, 35% renters). The neighboring counties are mostly composed of dwellings inhabited by the owners as well. St. Johns County leads the way with a homeowner-occupied rate percentage of over 80%, followed by Flagler County at 76%. Meanwhile, Duval County has the most rental units, offering over 43% of its housing for rent, with less than 57% as owner-occupied.

Over 13% of housing units in St. Johns 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 130 thousand housing units in St. Johns 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 about 26,000 housing units in St. Johns 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 St. Augustine: Tenants buy Renters Insurance coverage to protect their belongings from possible damage or loss. 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 St. Johns County may require Renters insurance as a condition of the lease.

  4. St. Johns 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 St. Johns 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 St. Johns 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 St. Johns 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,

  • researches the locally available plans that fit your needs,

  • 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,

  • 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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St. Johns County Health Statistics and Analysis

In St. Johns County, nearly 13% of adult residents lack proper health insurance coverage, which is lower than the state average (≈19%), and also the lowest among its peer counties and the entire state of Florida. From lowest to highest: Clay County (over 14%), Duval County (over 16%), Flagler County (over 17%), and Putnam County, with the highest uninsured adult rate of over 22%. The highest uninsured adult rate in the state of Florida is in Hendry County, with 35% of adult residents uninsured. In 2021, the average adult uninsured rate in Florida was around 19.2%.

Almost 1 in 7 adults (or nearly 40,000 residents) in St. Johns County report problems with health.

Nearly 22% of the St. Johns County population do not participate in physical exercise activities.

Over 23% of the St. Johns County residents are considered obese (with a BMI of 30 or more), which is lower than the Florida average of over 27%. Among the neighboring counties, majority of the areas are above the state-average: Flagler County reports the second-lowest obesity rate – at under 27% of the residents, while almost 39% of adults from Putnam County may be considered obese.

As of 2022, there were 14 health insurers in St. Johns 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 close to 32 thousand residents of St. Johns County lack this necessity.

  2. Florida is among the states that allow the sale of numerous types of health insurance and supplemental products. This makes it easier for St. Johns County residents to obtain coverage that fits their specific needs (both medically and financially): Marketplace or Group ACA health insurance, various types of Short Term health insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If health insurance is not being acquired due to unaffordability, low-income residents 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 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 St. Johns 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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St. Johns County End of Life Statistics and Analysis

Average life expectancy for the residents of St. Johns County is between 81 and 82 years old, which is higher than the state average in Florida (80). Among the neighboring counties, Flagler County with approximately 79.5 years old, is the second longest only to St. Johns County. Meanwhile, the other neighboring counties all have life expectancies above 70 years old, with Clay County at over 77 years old, Duval County at over 76 years old, and Putnam County at over 73 years old. Across Florida, Collier County has the highest average life expectancy at 86 years, while the lowest life span is seen in Union County, at under 69 years old.

In 2022 there were approximately 60,000 seniors (65 and older) residing in St. Johns 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. Over 16% of the adults in St. Johns County smoke, and this habit will definitely increase the life insurance costs of more than 37,000 of county’s residents 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. Besides the death benefit, Cash Value life insurance can be used by the insured while they are still alive - as a Living Benefit: to borrow against it, or used as a source of tax-free retirement income.

St. Johns County - Funeral Expenses Statistics and Analysis

Funeral expenses in and around St. Johns County vary drastically. The average price of a funeral in St. Johns County is around $6,400, which is more than the Florida state average (of $5,900). Among the neighbors of St. Johns County, Clay County has the highest average funeral cost of almost $7,000, while Putnam County has the lowest average at $4,600.

In fact, Putnam County has the lowest funeral cost average along with DeSoto County, and Collier County’s $9,600 average is considered the most expensive in Florida.

Life Insurance Analysis

  1. With 46% of Americans dying with savings of less than $10,000, over 27 thousand St. Johns County senior residents could be placing the unnecessary and frequently unbearable financial burden on family and friends. While grieving their loss and , the family must also plan the funeral and find a way to pay for it. (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 in St. Johns 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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St. Johns County - Business

Commercial insurance needs vary between each of the nearly 9 thousand business establishments in St. Johns County. The three largest job-creating sectors, accounting for over 52% of all employment in the county in 2020 were:

  • Manufacturing (20.1%)

  • Education & Health Services (18.2%)

  • Professional and Business Services (14.6%)

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 their product hurts the consumer, etc.

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

  3. Over 2 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.

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

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