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Allegheny County

Allegheny County - Driving Statistics and Analysis

There are around 1,040,850 personal and commercial automobiles that call the roads of Allegheny County their home. This figure accounts for approximately 9.5% of the total vehicles registered in the Commonwealth of Pennsylvania.

Over 69% of adult drivers in Allegheny County commute to and from their places of employment by themselves, and nearly 2 out of 5 of those commutes exceed 30 minutes.

Motor Vehicle Crashes in Allegheny County

Automobile fatalities in Allegheny County statistically occur at a rate of 6.0 per 100,000 vehicles on the road, resulting in around 62 fatal crashes yearly.

According to the Pennsylvania Department of Transportation, (PennDOT), in 2021 there were 11,727 crashes in Allegheny County: with 68 of them being fatal. Alcohol-impaired driving accounts for approximately 23% of fatal crashes in Allegheny County.

Auto Insurance Analysis

  1. Over 1 million automobiles registered in Allegheny County need insurance coverage: Property Damage and Bodily Injury Liability are mandatory for all vehicles, and operating a car without one is illegal. Depending on the type of automobiles and usage (commercial or private), the additional required insurance may be Commercial Auto, Comprehensive Coverage, Private Auto, Non-owners Car Insurance, Commercial Transportation, Gap, Ride-sharing, Inland Marine, Short-term Car Insurance, etc.

  2. Although Pennsylvania is a “no-fault” state, where bodily injury is covered by its own insurance, the Commonwealth allows drivers to opt out of the “no-fault” coverage under the “choice no-fault” stipulation. Furthermore, Pennsylvania's modified comparative negligence law dictates that the amount of damage an insurer will pay is based on how much each party is to blame for in an accident.

  3. The amount of automobiles on Allegheny County highways continues to increase year after year, and even though the uninsured rate of drivers in Pennsylvania stays around 7%, the mere presence of a large volume of automobiles on highly congested roads suggests the need for Uninsured Motorist coverage. You can’t tell what kind of coverage everyone around you has, until you’ve had an accident with them.

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

Allegheny County - Housing Statistics and Analysis

As of 2022, there were approximately 609,353 dwelling units in Allegheny County that were mostly dominated by homeowners (64%) versus 36% of homes for renters. Among the neighbors, Allegheny County has the lowest owner-occupied rate, while both Armstrong County and Westmoreland County have the highest.

COUNTY Homeowners Renters
Allegheny County 64% 36%
Armstrong County 78% 22%
Beaver County 73% 27%
Butler County 76% 24%
Washington County 75% 25%
Westmoreland County 78% 22%

Statewide, Pike County has the highest homeownership rate, with 84% of homes inhabited by the owner, while Philadelphia County is the state leader with the highest (47%) percentage of its real estate for rent.

Nearly 14% housing units in Allegheny County experience housing problems like inadequate plumbing, kitchen concerns, or overcrowding. In about 1 out of 8 of homes, residents allot more than half of their income to housing alone.

Housing Insurance Analysis

  1. More than 600 thousand housing units in Allegheny County need insurance coverage. All of the owners of these properties should have at least Homeowners, Condo insurance, and/or Business property insurance (for multi-housing units) to safeguard the underlying financial investment from possible loss or damage.

  2. With over 219 thousand dwelling units in Allegheny County listed as rentals, landlords secure Landlord Insurance to safeguard the property itself from the possible liability claims that can arise from the tenants and their guests.

  3. Renters Insurance Pittsburgh: Tenants acquire Renters Insurance to protect their belongings from potential loss or damage while residing in a leased dwelling. Typical renters' insurance is inexpensive and usually protects a tenant's property against theft and damage from fire, smoke, water, and vandalism. The majority of Allegheny County landlords will require 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 Allegheny 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.

Allegheny County - Health Statistics and Analysis

In Allegheny County, approximately 6% of adult residents under the age of 65 are uninsured, which is lower than the Commonwealth’s average (8%). Among its peer counties, both Armstrong County, and Washington County have the highest uninsured rates, while the lowest is in Butler County, which is also the lowest statewide.

COUNTY Uninsured Adults
Allegheny County 6%
Armstrong County 7%
Beaver County 6%
Butler County 5%
Washington County 7%
Westmoreland 6%

The highest uninsured adult rate in Pennsylvania is in Lancaster County, with over 11%, while Butler County has the least uninsured.

Nearly 17% of Allegheny County residents have health issues. Additionally, almost 24% of its population fail to participate in physical exercise activities, contributing to 29% of the residents being considered obese (with a BMI of 30 or more), this percentage is the lowest in the region. Among Allegheny County’s immediate neighbors, the highest obesity rate is reported in Beaver County, with over 37%, — higher than the Pennsylvania state average of 33%.

In 2022, 269,337 Allegheny County residents were enrolled in Medicare, with the following utilization:

Original Medicare 35%
Medicare Advantage 65%
Original Medicare Part A and Part B 25%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 65%
Medicare Part D (Medigap) 21%
Medicare Advantage Prescription Drug Plan 61%

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

Health Insurance Analysis

  1. The most important insurance coverage is health insurance, and over 65 thousand Allegheny 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 Allegheny 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 not obtained due to high costs, low-income residents of Allegheny County are generally advised to apply for government health insurance subsidies, which can significantly reduce health insurance costs.

  4. Short-term health insurance may provide an alternative saving path if you do not have pre-existing conditions. (* Some Pennsylvania multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage).

Talk about your health insurance needs with a knowledgeable, state-licensed health insurance professional in Pennsylvania who has access to a variety of health insurance plans available to residents of Allegheny County. The availability and cost of health insurance coverage may vary 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.

Allegheny County - End of Life Statistics and Analysis

In Allegheny County, the average lifespan of its residents is around 77.9 years old, which is at par with the Pennsylvania state average of 78 years. Among the neighboring counties, Butler County has the longest average life expectancy, while the shortest is observed in Beaver County.

COUNTY Average Life Expectancy
Allegheny County 77.9
Armstrong County 76.8
Beaver County 76.5
Butler County 78.8
Washington County 77.1
Westmoreland 77.6

In the entire state of Pennsylvania, the longest average life expectancy 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, approximately 239,000 seniors (65 and older) were residing in Allegheny 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 insured's age 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 18% of the adults in Allegheny County smoke, and this habit will likely affect the life insurance costs of nearly 177,000 adults by up to 4 times compared to non-smokers. A smoker’s life expectancy is considered shorter, making them more of a risk than people who do not smoke.

  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.

Allegheny County - Funeral Expenses Statistics and Analysis

The average funeral cost in Allegheny County is around $7,300, which is higher than the Pennsylvania state average of $6,700 and by far the highest among its nearby counties. Looking at its neighbors, Armstrong County has the most affordable average funeral cost at $6,000, followed by Westmoreland County at $6,500.

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

Life Insurance Analysis

  1. Nearly 46% of Americans pass away with less than $10,000 in savings, which means over 110 thousand senior residents of Allegheny County could be placing their family and friends in a difficult financial situation. Instead of grieving their loss, they need to find ways to settle funeral costs.

  2. The deceased may also leave taxes and other debts for the family to take care of, aside from the burial cost. 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 learn more about life insurance alternatives and to get life insurance quotes in Allegheny County, consult with a knowledgeable Commonwealth-licensed, experienced, and qualified life insurance professional who has access to several insurers and plan types for comparison.

Allegheny County - Business

Commercial insurance differs between each of the over 36 thousand business establishments in Allegheny County. The three largest job-creating sectors, accounting for nearly 39.5% of all employment in the county in 2022 were:

  • Health Care & Social Assistance - 20%

  • Retail Trade - 10.0%

  • Professional and Technical Services - 9.5%

Commercial Insurance Analysis

  1. Every business in Allegheny County needs insurance based on what it does and the number of people it employs. The coverage mostly falls into:

    • Commercial Property,

    • Business Liability, and

    • Employee Protection and Benefits.

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

  3. Retail businesses in Allegheny 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.

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

To assess your business insurance needs in Allegheny 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.