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York County

York County - Driving Statistics and Analysis

Approximately 389,335 private and commercial vehicles are registered in York County, and this number accounts for 3.54% of all Pennsylvania-registered vehicles.

Nearly 83% of adult drivers who commute daily in York, do so with no one else inside their vehicle, and roughly 2 in 5 of these drivers require at least 30 minutes to reach their destination.

Motor Vehicle Crashes in York County

Vehicular fatalities in York County occur at a rate of 10 for every 100,000 vehicles on the road: roughly 39 fatal incidents per year.

According to the Pennsylvania Department of Transportation, (PennDOT), in 2021 there were 4,551 crashes in York County: with 66 of them fatal. Approximately 27% of traffic incident fatalities in York County are caused by alcohol-impaired driving.

Auto Insurance Analysis

  1. Around 390 thousand vehicles registered in York 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 Auto, Non-owners car insurance, Commercial Transportation, Ride-sharing, Short-term 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 York County keeps increasing annually, and despite the uninsured rate of drivers across Pennsylvania remaining at around 7 percent, you simply never know how much coverage the car next to you will have. Hence, the need for Uninsured Motorist coverage.

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

York County - Housing Statistics and Analysis

About 75% of the projected 188,740 housing properties in York County are inhabited by their owners, leaving 25% as rental units. Among the neighboring counties, Lancaster County has the same owner-occupied rate as the state of Pennsylvania. Adams County reports the highest figure in this category, while Dauphin County has the highest renter-occupied percentage.

COUNTY Homeowners Renters
York County 75% 25%
Adams County 78% 22%
Cumberland County 70% 30%
Dauphin County 63% 37%
Lancaster County 69% 31%

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

About 13% of residential properties in York County experience housing issues, overcrowding, poor plumbing, or substandard kitchen conditions. In around 1 out of 10 homes, residents spend more than 50% of their income on housing expenses.

Housing Insurance Analysis

  1. Close to 190 thousand housing units in York 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 roughly 47 thousand housing units in York 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 York County: 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 York County may require Renters insurance as a lease condition.

  4. Pennsylvania is one of the most flood-prone states across the nation, and more frequent flooding is expected to continue for decades to come.

All homeowners, landlords, and renters in the flood-prone areas of York County should be aware of the local emergency procedures and maintain appropriate insurance coverage to protect their property. Discuss your needs with a professional.

For consultation and to get a quote on Homeowners, Renters, Condo, Flood, and other types of insurance in York 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.

York County - Health Statistics and Analysis

Around 7% of York County adults do not have proper health insurance coverage, which is almost at par with the Pennsylvania average of 8%. Looking at York County’s neighbors, Lancaster County has the highest figure, while York County and Cumberland County have the lowest.

COUNTY Uninsured Adults
York County 7%
Adams County 8%
Cumberland County 7%
Dauphin County 9%
Lancaster County 11%

While the highest uninsured adult rate in the Commonwealth of Pennsylvania is in Juniata County (≈12%), the lowest rate is observed in Butler County, at around 5% of the adult residents.

Approximately 18% of adults in York County report problems with health, which is partially due to the fact that about 19% of them smoke, 22% drink too much alcohol, and 5% have limited access to healthy foods.

On top of these, roughly 27% of the York County population are physically inactive, which contributes to its 34% adult obesity rate (BMI of 30 or more) — not far from Pennsylvania’s average of 33%. Adams County has the highest obesity rate in the region at 36%.

In 2022, 97,018 York County residents were enrolled in Medicare, with the following utilization:

Original Medicare 53%
Medicare Advantage 47%
Original Medicare Part A and Part B 46%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 47%
Medicare Part D (Medigap) 37%
Medicare Advantage Prescription Drug Plan 43%

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

Health Insurance Analysis

  1. Nearly 29 thousand York County adults do not have proper health insurance coverage which is the most important type of coverage.

  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 York 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: York County residents who have insufficient incomes may not be able to afford proper health insurance coverage. If this is the case, they are generally advised to apply for government subsidies to be able to afford it.

  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 Commonwealth-licensed Pennsylvania health insurance professional with access to a variety of health insurance plans available to York 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.

York County - End of Life Statistics and Analysis

The average Pennsylvanian has an expected life span of 78 years — which is similar to York County’s 78.6-year average. Comparing the surrounding counties, Cumberland County has the longest life expectancy, closely followed by Lancaster County.

COUNTY Average Life Expectancy
York County 78.6
Adams County 79.6
Cumberland County 80.1
Dauphin County 78.2
Lancaster County 80

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 83,000 seniors (65 and older) residing in York County.

Life Insurance Facts

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

  2. There are a lot of factors taken into consideration when determining the insured’s life insurance premium rate, but none weigh heavier than age. The older the insured is, the more expensive their premiums will be. Taking out a life insurance policy as early as possible can save the insured a significant sum in the long run.

  3. Over 19% of the adults in York County smoke, which means over 68 thousand York County adults will have life insurance policies that are up to 4 times more expensive than non-smokers’. A smoker is more vulnerable to developing deadly diseases that can cause premature deaths, and this makes a smoker more of a risk than people who don’t 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.

York County - Funeral Expenses Statistics and Analysis

A traditional funeral in Pennsylvania costs around $6,700, which is significantly lower than York County’s $7,300 average. Looking at the bordering counties, Cumberland County’s average funeral cost is exponentially higher at around $10,500. The most affordable funerals are observed in Dauphin County with an average cost of $6,300.

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 depart with savings of less than $10,000, almost 38 thousand York 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 deceased often 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 York County, speak with a knowledgeable Commonwelath-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison.

York County - Business

York County is home to more than 9 thousand business establishments each with its own commercial insurance needs. The three largest job-creating sectors, accounting for around 45% of all employment in the county in 2022 were:

  • Manufacturing - 18.0%

  • Health Care and Social Assistance - 14.9%

  • Retail Trade - 11.7%

Commercial Insurance Analysis

  1. Every business in York 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.

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

  2. Retail businesses in York 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 York 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.