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Chautauqua County

Chautauqua County - Driving Statistics and Analysis

There are approximately 75,954 personal and commercial vehicles in Chautauqua County. All the vehicles in the county account for around 0.6% of the total automobiles in the state of New York.

The percentage of drivers that commute to and from work by themselves is over 81%, and roughly 1 in 5 of those trips last for more than half an hour to complete.

Motor Vehicle Crashes in Chautauqua County

According to the New York State Department of Motor Vehicles (DMV-NY) and the Institute for Traffic Safety Management and Research (ITSMR), there were over 11,199 collisions in Chautauqua County between 2018 and 2021, with 40 fatalities. Property damage occured in 78.36% of those crashes, while personal injury was sustained in 20.28% cases.

Motorcycles in Chautauqua County accounted for an average of 41 crashes annually: with personal injury as a result in 75.65% of cases and property damage in 21.25%.

Auto Insurance Analysis

  1. Nearly 76 thousand automobiles registered in Chautauqua County need insurance coverage. No-Fault Personal Injury Protection (PIP) coverage, and Property Damage and Bodily Injury Liability are state-mandated coverages for all vehicles to protect others from damages incurred during vehicular accidents. Additional insurances are available depending on the type of vehicle and how it is used (commercial or private). Some of these are Private Auto, Commercial Auto, Comprehensive Coverage, Non-owners car insurance, Commercial Transportation, Inland Marine, Gap, Ride-sharing, Short-term car insurance, and so on.

  2. Since New York is a no-fault state, your insurance pays for any bodily injuries you receive in an accident, whether it's your fault or not. If the treatment costs exceed your coverage limits, you can recover the difference from the responsible party. Meanwhile, the at-fault party is responsible for property damage.

  3. The number of vehicles on the roads keeps going up year after year, and even though the uninsured rate of drivers across the state of New York remains under five percent, the presence of many vehicles on the road indicates the need for Uninsured Motorist coverage. You never know how much insurance the vehicle next to you has.

If you have inquiries regarding your auto insurance and to find affordable car insurance in Chautauqua County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of New York.

Chautauqua County - Housing Statistics and Analysis

Chautauqua County 69% 31%
Erie County 65% 35%
Cattaraugus County 72% 28%

In 2022 Chautauqua County had around 67,997 housing units, most of which were inhabited by homeowners (69%, versus 31% dwellings for rent). This is higher than the state average split of 54% live-in owners vs 46% renters.

Looking at Chautauqua County’s neighbors, which are also dominated by owner-occupied residential properties, Cattaraugus County has the highest owner-occupied rate, while Erie County has the lowest rate in the region.

In the entire state of New York, the highest homeownership rate is in Hamilton County, with 87%, while the Bronx County leads the state with the highest percentage of its real estate for rent (≈80%).

Nearly 16% of housing units in Chautauqua County encounter housing problems like plumbing issues, overcrowding, or trouble with the kitchen. In around 14% of homes, residents allocate more than 50% of their income to housing alone.

Housing Insurance Analysis

  1. Nearly 68 thousand housing units in Chautauqua County need insurance coverage. To safeguard the investment from possible loss or property damage, all of these owners should have at least Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes)

  2. With over 21 thousand housing units in Chautauqua County as rentals, landlords purchase Landlord Insurance to protect the property from possible liability claims that can come from the tenants and their guests.

  3. Renters Insurance Jamestown: Tenants can purchase Renters Insurance coverage to protect their belongings from possible damages or theft. This average renters insurance is quite affordable and can protect the property from damages caused by fire, smoke, sewage backup damage, water, and vandalism. Landlords in Chautauqua County may require renters' insurance before signing the lease.

For consultation regarding Homeowners, Renters, Condo, Flood, and other types of insurance in Chautauqua County, contact a Property & Casualty (P&C) insurance agent licensed in the state of New York.

A New York P&C insurance agent:

  • Examines your needs and limitations

  • 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

  • Lays out available options of coverage

  • Describes the effect of the different options once the insurance policy becomes active

  • Helps you with the process of application

  • Does not influence your cost of insurance. (agent’s service is usually paid by the insurer).

Chautauqua County - Health Statistics and Analysis

Chautauqua County 6%
Erie County 5%
Cattaraugus County 8%

Approximately 6% of adults in Chautauqua County lack proper health insurance coverage, which is lower than the New York state average of 8%. Among Chautauqua County’s neighbors, Cattaraugus County has the highest uninsured percentage of its residents and leads, while Erie County has the least.

Throughout New York, the highest uninsured adult rate is seen in Queens County, with 12%, while the lowest rate is found in Saratoga County, at under 5% of the adult residents.

Nearly 18% of the Chautauqua County population encounter health problems. Additionally, it is estimated that 27% of its residents fail to participate in any physical exercise activities, which is a contributing factor as to why 34% of its population are considered obese (with a BMI of 30 or more). Among Chautauqua County’s neighbors, the highest obesity rate in the region is observed in Cattaraugus County, at under 39%, while the lowest is in Erie County, with nearly 30% — closer to the New York state average of 26%.

In 2022, 31,414 Chautauqua County residents were enrolled in Medicare, with the following utilization:

Chautauqua COUNTY - MEDICARE Usage
Original Medicare 44%
Medicare Advantage 56%
Original Medicare Part A and Part B 37%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 56%
Medicare Part D 30%
Medicare Advantage Prescription Drug Plan 54%

In 2022, there were 12 health insurers in Chautauqua County, offering affordable and frequently subsidized ACA health insurance on the New York State of Health marketplace.

Health Insurance Analysis

  1. Over 4 thousand residents in Chautauqua County do not have the most important type of insurance, which is Health insurance.

  2. Even though New York is among the states that do not allow the sale of multiple types of alternative health insurance options, Chautauqua County residents can shop for the choice of their plans on a state-run health care exchange. While Group or Individual Marketplace ACA health insurance is the staple of coverage for Jamestown residents, supplementary options can also be purchased. For example, Hospital Indemnity Insurance and Accident & Health insurance can help cover out-of-pocket expenses such as deductibles, copay, and coinsurance, in case of emergency. Disability income insurance can help cover the lost income in case if a disability takes the insured out of the workforce.

  3. Low-income health insurance: Not everyone has the luxury of purchasing health insurance due to its high price. Low-income residents of Chautauqua County are advised to apply for government subsidies to lower the cost of insurance significantly.

Discuss your health insurance needs with a knowledgeable state-licensed New York health insurance professional with access to a variety of health insurance plans available to Chautauqua County residents. Offerings of health insurance coverage and its pricing may differ between zip codes.

A New York 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.

Chautauqua County - End of Life Statistics and Analysis

NEIGHBORING COUNTIES Average Life Expectancy
Chautauqua County 78
Erie County 78.7
Cattaraugus County 77.6

In Chautauqua County, residents have an average lifespan of 78 years, which is below the New York state average of 81.4 years. Looking at Chautauqua County’s adjacent neighbors, Erie County posts the longest average life expectancy in the region, while the shortest average is in Cattaraugus County.

Statewide, New York County has the highest average life expectancy at 85.2 years, while the lowest life span is seen in Chemung County, at under 77 years old.

In 2022 there were approximately 25,940 seniors (65 and older) residing in Chautauqua County.

Life Insurance Facts

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

  2. The insured's age at the start of the policy is one of the key factors used to calculate life insurance premiums. Therefore, if you purchase it while you are still young, you’ll save more in premiums over the course of the policy.

  3. Almost 24% of adults in Chautauqua County are smokers. This habit will definitely raise the life insurance premiums of roughly 24,000 of these individuals by costing up to 4 times more compared to non-smokers. A smoker's life span is deemed shorter, making them more of a risk than non-smokers.

  4. Besides 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.

Chautauqua County - Funeral Expenses Statistics and Analysis

The average funeral expense in Chautauqua County ranges from $5,400 to $5,500, which is more affordable than the New York state average of $6,500. Looking at Chautauqua County’s immediate neighbors, Cattaraugus County tends to have the highest average funeral cost, at $5,900. Meanwhile Erie County is usually the most affordable, not only among the neighbors but across the state of New York, with the average funeral under $5,000. Statewide, Suffolk County tends to have the most expensive funerals, at around $10,500.

Life Insurance Analysis

  1. Approximately 46% of Americans pass away with less than $10,000 in savings. Based on this, nearly 12 thousand senior residents of Chautauqua County could be leaving an unnecessary financial burden on their families and loved ones. Instead of mourning their loss, they’ll need to focus on finding ways to settle funeral costs.

(Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  1. Aside from the burial costs, unpaid taxes and other debts are sometimes left by the deceased, for the family to deal with. Discuss your senior life insurance options in Chautauqua County with a licensed New York life insurance professional.

  2. 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).

  3. 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.

  4. The most commonly used life insurance for tax-free retirement funding is Indexed Universal Life (IUL) insurance.

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

Chautauqua County - Business

Commercial insurance differs for each of the nearly 3 thousand business establishments in Chautauqua County. The largest job-creating sectors are:

  • Manufacturing

  • Health Care and Social Assistance

  • Educational Services.

Commercial Insurance Analysis

  1. Every business in Chautauqua 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:

    • Health insurance,

    • Life insurance,

    • Disability insurance,

    • Workers’ Compensation insurance, and

    • Unemployment insurance.

  2. Manufacturing businesses need insurance to safeguard the production facilities and the workers, as well as get product liability coverage to protect the company itself if their product injures someone or something.

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

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