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Nassau County

Nassau County - Driving Statistics and Analysis

The approximately 818,349 private and commercial vehicles registered in Nassau County make up roughly 7% of all registered vehicles in the state of New York.

More than 68 percent of adults in Nassau County drive to work alone. 2 out of 5 of those daily commutes last more than 30 minutes.

Motor Vehicle Crashes in Nassau 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 148,8478 crashes, with 276 of them leading to deaths, in Nassau County between 2018 and 2021. Property damage occured in 72.91% of those crashes, while personal injury was sustained in 26.89% cases.

Motorcycles in Nassau County accounted for an average of 267 crashes annually: with personal injury as a result in 73.21% of cases and property damage in 23.22%.

Auto Insurance Analysis

  1. Over 820 thousand vehicles registered in Nassau County need insurance coverage: No-Fault Personal Injury Protection (PIP) coverage, and Property Damage and Bodily Injury Liability are required for all automobiles 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, Collision coverage, Non-owners car insurance, Commercial Transportation, Inland Marine, Gap, Ride-sharing coverage, Short-term car insurance, and so on.

  2. Since New York is a no-fault state, the bodily injuries you suffer 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 motor vehicles on the roads of Nassau 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 are always a lot of vehicles occupying the road emphasizes the need for Uninsured Motorist coverage. You simply never know how much coverage the car next to you will have.

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

Nassau County - Housing Statistics and Analysis

Nassau County 81% 19%
Queens County 45% 55%
Suffolk County 81% 19%
Westchester County 61% 39%

While most of the New York state’s residences are almost equally divided between homeowners and renters, the majority of the estimated 477,556 homes in Nassau County are owner-occupied. Compared to its neighboring counties, Nassau County leads in the highest percentage of homeowners along with Suffolk County, while Queens County has the most tenant occupied real estate.

Across the state of New York, Bronx County leads in the percentage of residences for rent, at 80 percent, while the lowest tenancy is found in Hamilton County, with just 13 percent.

In Nassau County, there are approximately 21 percent of homes that encounter housing problems, poor plumbing, overcrowding, or issues with the kitchen. In nearly 1 out of 5 dwellings, residents spend over half of their earnings just on housing.

Housing Insurance Analysis

  1. Over 470 thousand housing units in Nassau 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 around 90 thousand housing units in Nassau 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 Hempstead: 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. Most landlords in Nassau County will require Renters insurance as a condition of the lease.

  4. Nassau County is located on the coast, not far from one of the main hurricane formation areas in the Atlantic Ocean. According to the National Oceanic and Atmospheric Administration (NOAA), the recent increase in temperatures creates favorable conditions for the formation of strong storms. Up to 10 of the annually projected 20 storms in the Atlantic have a chance of turning into hurricanes, bringing in primarily wind and flood damage. The highest probability of a hurricane occurrence in Nassau County is between early June and the end of November. Every New York area resident should be aware of the procedures and safeguards set in place by the local city, county and State agencies. All homeowners, landlords, and renters in Nassau County need to maintain appropriate insurance coverage to protect their property against possible loss and damage from wind and water damage.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Nassau 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.

Nassau County - Health Statistics and Analysis

Nassau County 6%
Queens County 12%
Suffolk County 6%
Westchester County 7%

Approximately 6 percent of adults under the age of 65 in Nassau County are reported to be in need of proper health insurance. This rate is below the New York state’s average of 8 percent. In the region, Nassau County and Suffolk County have the lowest percentages of uninsured adults, while the highest is seen in Queens County.

Queens County has the highest uninsured adult rate in the entire New York state, while the lowest, at under 5%, is in Saratoga County.

13 percent of adults residing in Nassau County experience problems regarding their health. More than 20 percent of the population of Nassau County do not join in physical exercises or activities. Over 24 percent of the adult residents in Nassau County have obesity (with a BMI of 30 or more), which is still below the New York state’s average of 26 percent. Comparing its peer counties; Suffolk County has the highest amount (26%) of adults who are considered obese, while the lowest is in Westchester County (22%). With over 39 percent, Chenango County has the highest obesity rate in the state.

In 2022, 276,089 residents in Nassau County were registered in Medicare, with the following utilization:

Original Medicare 71%
Medicare Advantage 29%
Original Medicare Part A and Part B 60%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 29%
Medicare Part D 53%
Medicare Advantage Prescription Drug Plan 26%

In 2022, there were 12 health insurers in Nassau County, providing affordable and often 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 nearly 49,000 adults residing in Nassau County lack this necessity.

  2. Even though New York is among the states that do not allow the sale of several types of alternative health insurance options, 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 Nassau 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. 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: If health insurance is not being purchased due to unaffordability, low-income residents of Nassau County are generally advised to apply for government health insurance subsidies, which can substantially lower the health insurance cost.

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 Nassau 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.

Nassau County - End of Life Statistics and Analysis

NEIGHBORING COUNTIES Average Life Expectancy
Nassau County 83.0
Queens County 84.1
Suffolk County 80.9
Westchester County 83.6

The residents of Nassau County have an average life expectancy of about 83 years old, which is above the New York state average (81.4). In the area, Queens County has the highest average life expectancy, while Suffolk County is seen to have the lowest in the group.

Across New York, Chemung County has the shortest average life spans, at under 77 years old, while New York County has the highest average life expectancy (85.2).

In 2022 there were an estimated 245,311 seniors (65 and older) residing in Nassau 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 lock in the rate, the more you save in premiums over the span of the policy.

  3. Around 12% of the adults in Nassau County smoke, and this life choice will likely affect the life insurance costs of more than 127,000 of these adults. Life insurance can cost up to 4 times for smokers, 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. 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.

Nassau County - Funeral Expenses Statistics and Analysis

Nassau County has an average funeral price of around $8,500, which is higher than New York state’s average of $6,500. Among the neighboring counties, Westchester County has the most affordable funerals, averaging $7,300, while Suffolk County has the most expensive average of $10,500. Statewide, Suffolk County has the highest average price for a funeral, while the lowest is seen in Erie County, at under $5,000.

Life Insurance Analysis

  1. With 46% of Americans dying with savings of less than $10,000, over 110,000 seniors residing in Nassau County could be placing the unneeded and frequently unbearable financial burden on family and friends. While grieving their loss, not only does the family need to plan the funeral, but quite frequently it also needs to pay for it too.

(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 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 Nassau County, speak with an expert state-licensed and experienced life insurance professional who has access to numerous insurers and plan types for comparison.

Nassau County - Business

Commercial insurance needs vary between each of the approximately 48,000 business establishments in Nassau County. The largest job-creating sectors are:

  • Health Care & Social Assistance

  • Educational Services

  • Professional, Scientific, and Technical Services.

Commercial Insurance Analysis

  1. Every business in Nassau 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. With over 66,000 residents providing professional and consulting services in Nassau County, they 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 Nassau County and to get a commercial insurance quote, speak with a knowledgeable New York-licensed commercial insurance agent with access to various insurers and premium financing options. Always compare at least 2 or 3 options before deciding on the coverage.