Adams County

Adams County - Driving Statistics and Analysis

In 2022, there were approximately 88,534 personal and business use vehicles in Adams County, which is around 0.8% of all registered vehicles in Pennsylvania.

Approximately 4 out of 5 daily commuters in Adams County drive to their places of employment, as the only person in the vehicle. Nearly half of these residents are behind the wheel for more than 30 minutes each way.

Motor Vehicle Crashes in Adams County

Traffic-related deaths in Adams County take place at a rate of 12 for every 100,000 vehicles on the road: roughly 11 fatal crashes per year.

According to the Pennsylvania Department of Transportation, (PennDOT), in 2020 there were 849 crashes in Adams County: with 16 of them fatal. Approximately 19% of traffic-incident fatalities in Adams County are brought about by drunk drivers.

Auto Insurance Analysis

1. Close to 89 thousand vehicles registered in Adams County need insurance coverage: Property Damage and Bodily Injury Liability are required for all vehicles on the road. Depending on the type of vehicle and its use (commercial or private), the additional required insurance may be: Collision Coverage, Commercial or Farm Auto, Comprehensive Coverage, Non-owners car insurance, Commercial or Farm Transportation, Ride-sharing, Temporary car insurance, and so on.

2. Even though Pennsylvania is a no-fault state, where bodily injury is paid by each insured’s own coverage, the Commonwealth allows drivers to opt out of the “no-fault” coverage under the “choice no-fault” stipulation. Additionally, due to Pennsylvania’s use of the modified comparative negligence laws, the amount of fault of each party in an accident determines the amount of damage that the insurer will cover.

3. The total number of vehicles on the roads of Adams County keeps going up annually, and even though the uninsured rate of drivers across Pennsylvania remains at around 7 percent, the sheer proximity of a large volume of vehicles on moderately congested roads indicates the need for Uninsured Motorist coverage. You simply never know how much coverage the car next to you will have.

4. More than half of Adams County roads go through rural areas where deer-vehicle collisions are more likely especially from the month of November through December. Pennsylvanians have a 1-in-54 chance of being involved in an animal-related crash, the fifth highest in the nation. In 2021, PennDOT reported 82 deer-related crashes in Adams County that led to 14 injuries and no fatalities. Having Comprehensive Coverage will help with the repair of your vehicle after hitting a deer.

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

Adams County - Housing Statistics and Analysis

The majority of homes in Pennsylvania are mostly (69%) owner-occupied, and Adams County’s approximately 43,383 housing unit market follows suit and even has a higher figure (79%) than the state average. While Adams County has the highest homeowner-occupied rate, Cumberland County has the lowest percentage in this regard.

Across Pennsylvania, Pike County has the highest homeownership rate, with just 16% of homes for rent, while Philadelphia County is the state leader with the highest percentage of its real estate for rent (49%).

Over 10% of residential properties in Adams County experience housing problems, overcrowding, substandard plumbing, or kitchen issues. In 1 out of 10 homes, residents spend more than 50% of their income on housing expenses.

Housing Insurance Analysis

1. Over 40 thousand housing units in Adams County need insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for multi housing units), to protect the underlying financial investment from possible loss or damage.

2. With almost 10 thousand housing units in Adams 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 Gettysburg: Tenants buy Renters Insurance 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 Adams County may require Renters 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 Adams County, contact a Property & Casualty (P&C) insurance agent licensed by the state of Pennsylvania.

A Pennsylvania 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.

Adams County - Health Statistics and Analysis

Around 8% of the Adams County adult population do not have proper health insurance coverage — a figure that is similar to the Pennsylvania state average. Adams County’s uninsured rate is second to Franklin County’s percentage, while Cumberland County and York County have the same uninsured rates.

The highest uninsured adult rate in the state of Pennsylvania is in Juniata County, with over 12%, while the lowest rate is observed in Butler County, at around 5% of the adult residents.

Around 18% of adults in Adams County report problems with health, which is partially due to the fact that 1 in 5 of them smoke, 19% drink too much alcohol, and 4% have limited access to healthy foods.

On top of these, 27% of the Adams County population do not exercise regularly, which contributes to its 36% adult obesity rate (BMI of 30 or more) — higher than Pennsylvania’s average of 33%. Franklin County has the highest figure at 37%, followed by Adams County.

In 2022, 25,901 Adams County residents were enrolled in Medicare, with the following utilization:

In 2022, there were 13 health insurers in Adams County, offering affordable and frequently subsidized ACA health insurance on the Pennie, Pennsylvania’s Health Insurance Exchange.

Health Insurance Analysis

1. Health insurance is the most important insurance coverage, and over 8 thousand adult Adams County residents lack this necessity.

2. Pennsylvania is among the states that allow the sale of multiple types of health insurance and supplemental health insurance. This makes it easier for Adams County 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 insurance, Accident & Health insurance, etc.

3. Low-income health insurance: If health insurance is beyond the means of some Adams County residents, they could apply for government-funded health insurance subsidies to significantly bring down the out-of-pocket costs.

4. If you do not have pre-existing conditions, short-term health insurance may provide an alternative saving path. (* Some Pennsylvania 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 Pennsylvania health insurance professional with access to a variety of health insurance plans available to Adams County residents. Offerings of health insurance coverage and its pricing may differ between zip codes.

A Pennsylvania health insurance agent: analyzes your health 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 researches the available discounts and bundling options, assists you with the application process, and at any time you need to make a change to the policy, or shop for replacement coverage.

Adams County - End of Life Statistics and Analysis

Adams County residents have an average life expectancy of 79.6 years old which is above the Pennsylvania average of 78 years. In fact, all of Adams County’s neighboring counties are above the state average with Cumberland County residents having the longest life spans and York County, the shortest.

The longest average life expectancy in Pennsylvania is observed in Centre County, at over 82 years old, while the shortest average is seen in Fayette County, at under 75 years old.

In 2022, there were approximately 22,144 seniors (65 and older) residing in Adams County.

Life Insurance Facts

1. In 2022, 47% of Americans did not have an active life insurance policy of any type.

2. Age is the most significant factor that heavily affects life insurance premium rates. The older the life insurance applicant is, the higher their premiums will be. Hence, taking out a life insurance policy as early as possible could save the insured some money.

3. Over 20% of the adults in Adams County smoke, which means over 16 thousand Adams County adults will have life insurance policies that are up to 4 times more expensive than non-smokers’. Smoking makes a person more prone to life-threatening diseases, making them a bigger risk in the eyes of life insurance carriers.

4. Aside from the death benefit, Cash Value life insurance can be used for Living Benefits by the insured while they are still alive, to borrow against it, or even used as a source of tax-free retirement income.

Adams County - Funeral Expenses Statistics and Analysis

A traditional funeral in Adams County will cost around $7,700, which is more expensive than the going rate across Pennsylvania (≈$6,700). Looking at Adams County’s neighbors, Cumberland County has the most expensive funerals, around $10,600. York County’s $7,300 average, on the other hand, is the most affordable in the region.

Statewide, Clinton County has the least expensive funerals averaging more or less $4,700, while Bucks County’s $11,600 average is the most expensive in Pennsylvania.

Life Insurance Analysis

1. Since 46% of Americans pass away with savings of less than $10,000, over 10 thousand Adams County senior residents could possibly be placing a difficult financial situation on their families and friends. The bereaved may have to juggle mourning, planning, and paying for the funeral.

2. Besides the burial costs, the departed frequently leave unpaid taxes and unsettled debts behind for the family to deal with. Discuss your senior life insurance options with a licensed Pennsylvania life insurance professional.

3. Indexed Universal Life (IUL) is the most preferred life insurance policy to use for its living benefits and retirement financing.

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, Final Expense (FE), and multiple Universal Life insurance policies.

5. Term Life Insurance and Final Expense (also known as Burial insurance) are the most frequently used life insurance policies to cover “final expenses” up to $50,000.

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

Adams County - Business

Adams County is home to roughly 2 thousand business establishments each with its own commercial insurance needs. The three largest job-creating sectors, accounting for nearly 48% of all employment in the county in 2022 were:

• Manufacturing - 22.5%

• Health Care and Social Assistance - 14.8%

• Retail Trade - 10.5%

Commercial Insurance Analysis

1. Every business in Adams County needs some type of insurance, based on what it does and the amount of people it employs. The coverage mostly falls into:

   • Commercial Property,

   • Business Liability, and

   • Employee Protection and Benefits.

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.

3. Health care professionals can benefit from Medical malpractice coverage, which protects both the patients and the insured medical professionals.

4. Retail businesses in Adams County are primarily insured against customer liabilities that come from using the retail location or by interacting with the products, and to protect the property, inventory, and the staff.

To assess your business insurance needs in Adams County and to get a commercial insurance quote, speak with a knowledgeable Pennsylvania-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.