Cumberland County

Cumberland County - Driving Statistics and Analysis

Around 222,322 private and commercial cars consider the roads of Cumberland County their home. This number represents about 2% of all automobiles registered in the Commonwealth of Pennsylvania.

8 out of 10 daily commuters in Cumberland County travel to work by themselves, and around 26% of these drives take more than half an hour due to congested traffic.

Motor Vehicle Crashes in Cumberland County

Motor vehicle fatalities in Cumberland County happen at a rate of 7 per 100,000 cars on the road, resulting in around 16 fatal collisions each year.

According to the Pennsylvania Department of Transportation (PennDOT), there were 2,380 crashes in Cumberland County in 2021, with 24 of them fatal. Around 23% of deaths in Cumberland County are caused by alcohol-impaired driving.

Auto Insurance Analysis

1. More than 220 thousand registered vehicles in Cumberland County need insurance coverage. Both Property Damage and Bodily Injury Liability coverages are required by Pennsylvania law for all motor vehicles. Depending on the type of vehicle and its use (commercial or private), the additional required insurance may be, Comprehensive Coverage, Commercial Auto, Private Auto, Commercial Transportation, Non-owners car insurance, Inland Marine, Ride-sharing, Gap, Short-term car insurance, etc.

2. Even though Pennsylvania is a no-fault state, where each insured’s own coverage pays for bodily injury, the Commonwealth allows drivers to opt out of the “no-fault” coverage under the “choice no-fault” stipulation. Furthermore, due to Pennsylvania’s use of the modified comparative negligence laws, the amount of damage an insurer will cover in an accident depends on how much each party's fault is.

3. Year after year, the number of automobiles on Cumberland County's highways increases. Although the rate of uninsured drivers in Pennsylvania remains around 7%, the sheer volume of automobiles on congested highways indicates the need for Uninsured Motorist coverage. With the assumption of 7% uninsured, over 15 thousand vehicles in Cumberland County could be uninsured. You never know how much insurance coverage the vehicle in front of you has until you’ve had an accident with them.

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

Cumberland County - Housing Statistics and Analysis

In Cumberland County, there are around 111,326 residential units, which are mainly occupied by the owners (70%) as opposed to renters (30%). Cumberland County’s rate for homes inhabited by the owner is one percentage point higher than the Commonwealth’s average (69%). Among Cumberland County’s neighbors, the highest homeownership rate is in Perry County, while the lowest rate in the region is observed in Dauphin County.

Across Pennsylvania, the highest owner-occupied rate is in Pike County with about 84% of dwelling units for rent, while Philadelphia County is the Commonwealth leader with the highest percentage of its housing units for rent (47%).

Roughly 11% of households in Cumberland County have housing issues such as substandard plumbing, overcrowding, or kitchen problems. In 1 in 10 houses, residents spend more than half of their income on housing.

Housing Insurance Analysis

1. Over 111 thousand housing units in Cumberland County need insurance coverage. All owners of these properties should have at least Homeowners, Condo insurance, and/or Business property insurance (for multi-housing units) to protect the underlying financial investment from potential damage or loss.

2. With around 33 thousand dwelling units in Cumberland County as rentals, Landlord Insurance is obtained by landlords to protect the property itself from possible liability claims arising from the tenants and their guests.

3. Renters Insurance Cumberland County: Tenants purchase Renters Insurance to cover their belongings from potential loss or damage while residing in a leased dwelling. Average renters' insurance is inexpensive and often protects the tenant's properties against theft and damage from fire, smoke, water, and vandalism. Landlords in Cumberland County may require renters insurance as part of the lease agreement.

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

A Pennsylvania 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.

Cumberland County - Health Statistics and Analysis

In Cumberland County, about 7% of adult residents under the age of 65 lack proper health insurance coverage, which is lower than the Commonwealth average (≈8%) and is among the lowest among its adjacent neighbors, tied with York County. Franklin County and Perry County have the highest uninsured adult rate in the region.

Statewide, Juniata County has the highest percentage of uninsured adults, at nearly 12%, while Butler County has the lowest, at around 5%.

Nearly 16% of Cumberland County’s adult inhabitants report health issues, which is partly due to the fact that around 18% of the population are smokers. Additionally, approximately 5% of them have restricted access to healthy foods.

Furthermore, nearly 1 in 4 residents do not participate in physical activities, which adds to the fact that 35% of the population is considered obese (with a BMI of 30 or more). Among Cumberland County’s neighbors, Franklin County posts the highest obesity rate, with almost 37%, while Perry County has the least, with a little under 34%.

In 2022, 56,118 residents of Cumberland County were enrolled in Medicare, with the following utilization:

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

Health Insurance Analysis

1. Health insurance is the most crucial insurance coverage, and almost 20 thousand residents in Cumberland County lack this necessity.

2. Pennsylvania is one of the states that allows residents to purchase multiple types of health insurance and supplemental health insurance. This makes it very convenient for Cumberland County residents to easily choose the coverage that meets 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 being purchased due to its high price, low-income residents of Cumberland County are generally advised to apply for government-funded health insurance subsidies, which can significantly lower the health insurance cost.

4. Short - term health insurance may provide an alternative saving path if you do not have pre-existing conditions. (TIP: 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 Cumberland 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.

Cumberland County - End of Life Statistics and Analysis

Cumberland County residents have an average lifespan of 80.1 years, which is higher than the average of the Commonwealth of Pennsylvania (78 years), and the highest among its immediate neighbors. Perry County posts the shortest life expectancy in the region, followed by Dauphin County.

Across Pennsylvania, the highest average life expectancy is in Centre County, at over 82 years, while Fayette County has the lowest at less than 75 years.

In 2022, roughly 49,614 seniors (65 and older) were residing in Cumberland 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 determined by the insured's age when the policy begins, among other factors. So, if you purchase it at a younger age, you will save more on premiums over the duration of the policy.

3. Nearly 18% of adults in Cumberland County smoke. Hence, the life insurance premiums for more than 37 thousand inhabitants will likely cost up to four times more compared to non-smokers. A smoker's life expectancy is deemed shorter, making them more of a risk than non-smokers.

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.

Cumberland County - Funeral Expenses Statistics and Analysis

The average funeral cost in Cumberland County is around $10,500, which is higher than the Commonwealth’s average of $6,700. This price typically includes basic service fees, casket, embalming, transportation, viewing, and burial. Comparing Cumberland County's surrounding neighbors, York County and Dauphin County have a lower average funeral cost, at $7,300 and $6,300, respectively.

Across Pennsylvania, Bucks County has the highest funeral cost, at $11,700, while the most cost-effective funeral is seen in Clinton County, at under $4,700.

Life Insurance Analysis

1. Around 46% of Americans die with less than $10,000 in savings. This implies that approximately 23 thousand senior residents in Cumberland County may place their families and loved ones in a tough financial position. Aside from planning and organizing the funeral while grieving, the family may need to settle the funeral cost as well.

2. In addition to funeral expenses, the deceased may sometimes leave taxes and other bills for the family to settle. 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 frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense (also known as Burial insurance).

5. The most frequently 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.

To learn more about life insurance alternatives and to get life insurance quotes in Cumberland County, consult with a knowledgeable state-licensed and experienced life insurance professional who has access to several insurers and plan types for comparison.

Cumberland County - Business

Commercial insurance needs differ between each of the over 6.7 thousand business establishments in Cumberland County. The three largest job-creating sectors, accounting for nearly 40% of all employment in the county in 2022 were:

• Transportation and Warehousing - 14.5%

• Health Care and Social Assistance - 13.6%

• Retail Trade - 11.8%

Commercial Insurance Analysis

1. Every business in Cumberland County needs insurance based on what it does and the number of people it employs. The coverage mainly 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 Cumberland 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 staff.

To assess your business insurance needs in Cumberland 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.