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Monroe County

Monroe County - Driving Statistics and Analysis

There are around 448,804 private and business automobiles registered in Monroe County. This figure represents about 4% of all vehicles registered in the State of New York.

Approximately 81 percent of adults in Monroe County drive to work alone. 1 out of 5 of those daily commutes last more than 30 minutes.

Motor Vehicle Crashes in Monroe County

Between the years of 2018 and 2021,The New York State Department of Motor Vehicles (DMV-NY) and the Institute for Traffic Safety Management and Research (ITSMR) reported 74,534 crashes in Monroe County: with 179 of these collisions being fatal. Property damage occured in 78.58% of those crashes, while personal injury was sustained in 21.17% cases.

Motorcycles in Monroe County accounted for an average of 200 crashes annually: with personal injury as a result in 74.03% of cases and property damage in 21.69%.

Auto Insurance Analysis

  1. More than 440 thousand vehicles registered in Monroe County need insurance coverage: No-Fault Personal Injury Protection (PIP) coverage, and Property Damage and Bodily Injury Liability are required for all motor vehicles on the road. Depending on the type of vehicle and its use (commercial or private), the additional required insurance may be: Private Auto, Commercial Auto, Comprehensive Coverage, Non-owners car insurance, Commercial Transportation, Inland Marine, Gap coverage, Ride-sharing coverage, Short-term car insurance, and so on.

  2. Since New York is a no-fault state, the bodily injuries you sustain in an accident are paid by your own insurance - regardless of fault. If the bills for the treatment exceed your coverage limits, you can get the overage from the guilty party. Meanwhile, property damage is paid by the at-fault party.

  3. The number of automobiles on the roads of Monroe County keeps going up year after year, and even though the uninsured rate of drivers across the state of New York stays at under 5 percent, the fact that there is a high volume of motor vehicles on the road raises the need for Uninsured Motorist coverage. You simply never know how much coverage the car next to you will have.

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

Monroe County - Housing Statistics and Analysis

Monroe County 64% 36%
Wayne County 76% 24%
Ontario County 74% 26%
Livingston County 75% 25%
Orleans County 76% 24%
Genesee County 72% 28%

In 2022, 64% of Monroe County’s estimated 333,772 residences were owner-occupied. This is a significant departure from the State of New York’s average, where its residential properties are nearly evenly divided into renters and homeowners (46% to 54%). Comparing the neighboring counties, Wayne County and Orleans County have the most owner-occupied homes, while Monroe County has the highest ratio of renters.

Across the state of New York, the highest proportion of owner-occupied homes is found in Hamilton County, around 87%, while Bronx County has the highest (80%) percentage of renters.

In Monroe County, over 16 percent of residences encounter housing problems, poor plumbing, overcrowding, or issues with the kitchen. In 1 out of 6 dwellings residents spend over half of their earnings just on housing.

Housing Insurance Analysis

  1. Over 330 thousand housing units in Monroe County need insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to secure the underlying financial investment from possible loss or damage.

  2. With over 120 thousand households in Monroe County as rentals, landlords acquire Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants and their guests.

  3. Renters insurance Rochester: Tenants buy Renters Insurance coverage to protect their belongings from possible damage or loss while living 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. Most landlords in Monroe County will require Renters insurance as a condition of the lease.

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

A New York 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.

Monroe County - Health Statistics and Analysis

Monroe County 5%
Wayne County 6%
Ontario County 5%
Livingston County 5%
Orleans County 6%
Genesee County 5%

About 5 percent of adults living in Monroe County under the age of 65 do not have proper health insurance, which is below the New York state average of 8 percent, and is also one of the lowest among its neighbors. Among its neighbors, the highest observed uninsured adult rate is in Wayne County and Orleans County.

Statewide, Saratoga County has the lowest uninsured adult rate of 5%, while the highest rate is seen in Queens County.

16 percent of adults in Monroe County encounter health problems. Around 21 percent of the Monroe County population do not exercise regularly. Roughly 31 percent of adults living in Monroe County are obese (with a BMI of 30 or more), which is higher than the state average of 26 percent. In the region, Wayne County and Livingston County have the highest average of adults with obesity, at around 37 percent.

In 2022, 162,740 Monroe County residents were enrolled in Medicare, with the following utilization:

Original Medicare 27%
Medicare Advantage 73%
Original Medicare Part A and Part B 19%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 73%
Medicare Part D 16%
Medicare Advantage Prescription Drug Plan 71%

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

Health Insurance Analysis

  1. Health insurance is the most important insurance coverage, and over 22,000 adult Monroe County residents lack this necessity.

  2. Even though New York is among the states that do not allow the sale of various types of alternative health insurance options, Monroe 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 are the staples of coverage for Rochester residents, supplementary options can also be acquired. For example, Hospital Indemnity insurance and Accident & Health insurance can help cover the out-of-pocket expenses such as deductibles, copay, and coinsurance, in case of emergency. Meanwhile, Disability Income insurance can help pay the bills if you cannot work due to an injury.

  3. Low-income health insurance: If health insurance is not being procured due to unaffordability, low-income residents of Monroe County are generally advised to apply for government health insurance subsidies, which can substantially lessen the health insurance cost.

Discuss your health insurance needs with a knowledgeable state-licensed New York health insurance professional with access to different health insurance plans available to Monroe 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.

Monroe County - End of Life Statistics and Analysis

NEIGHBORING COUNTIES Average Life Expectancy
Monroe County 79.7
Wayne County 79.0
Ontario County 80.0
Livingston County 79.6
Orleans County 77.6
Genesee County 78.1

Residents of Monroe County have average life expectancies of around 79.7 years old, which is lower than the New York state average of 81.4 years. Among the neighboring counties, Orleans County’s average is the lowest of the group, while Ontario County has the highest.

The lowest average life expectancy in the state of New York is found in Chemung County, at under 77 years, while the longest life span is in New York County.

In 2022 there were an estimated 132,181 senior residents (65 and older) in Monroe 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 age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the duration of the policy.

  3. Around 18% of the adults in Monroe County smoke, and this lifestyle will likely affect the life insurance prices of more than 100 thousand of these adults. Their premiums may be up to 4 times compared to non-smokers. A smoker is considered more susceptible to developing fatal diseases, making them more of a risk than people who do not smoke.

  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.

Monroe County - Funeral Expenses Statistics and Analysis

The average price of a funeral in Monroe County is around $5,400, which is below the New York state average of $6,500, and also the lowest among all its immediate neighbors. The most expensive average funeral cost in the area is in Genesee County, closer to $6,200, while Ontario County’s $5,700 average cost is the second-most affordable in the region. Statewide, Erie County is observed to have the most affordable funerals (under $5,000), while the highest average price for a funeral in the state of New York is in Suffolk County, with an average of over $10,500.

Life Insurance Analysis

  1. With 46% of Americans dying with savings below $10,000, over 60 thousand seniors in Monroe County could be placing the unnecessary and frequently unbearable financial burden on family and friends.

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

  1. Besides the burial costs, the deceased frequently leave taxes and other liabilities behind for the family to take care of. Discuss your senior life insurance options with a licensed New York life insurance professional.

  2. The most commonly 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 various Universal Life insurance policies.

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

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

Monroe County - Business

Commercial insurance needs differ between each of the estimated 17 thousand business establishments in Monroe County. The largest job-creating sectors are:

  • Health Care & Social Assistance

  • Educational services

  • Manufacturing.

Commercial Insurance Analysis

  1. Every business in Monroe 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:

    • Health insurance,

    • Life insurance,

    • Disability insurance,

    • Workers’ Compensation insurance, and

    • Unemployment insurance.

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

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

To evaluate your business insurance needs in Monroe 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 financing options. Always try to compare at least 2 or 3 options before deciding on the coverage.