Orange County
Orange County - Driving Statistics and Analysis
An estimated 234,736 private and commercial automobiles are registered in Orange County. This number accounts for approximately 2% of all vehicles listed in the entire state of New York.
About 75% of adult drivers in Orange County commute to work by themselves, and nearly half of those commutes last for over 30 minutes.
Motor Vehicle Crashes in Orange County
According to the New York State Department of Motor Vehicles (DMV-NY) and the Institute for Traffic Safety Management and Research (ITSMR), between 2018 and 2021, there were over 39,136 crashes in Orange County: with 111 of them fatal. Property damage occured in 75.84% of those crashes, while personal injury was sustained in 23.86% cases.
Motorcycles in Orange County accounted for an average of 167 crashes annually: with personal injury as a result in 75.26% of cases and property damage in 24.96%.
Auto Insurance Analysis
Nearly 235 thousand vehicles registered in Orange County need insurance coverage: No-Fault Personal Injury Protection (PIP) coverage, and 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: Private Auto, Commercial Auto, Comprehensive Coverage, Non-owners car insurance, Commercial or Farm Transportation, Inland Marine, Gap, Ride-sharing, Short-term car insurance, and so on.
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.
The amount of vehicles on the roads of Orange County keeps going up year after year, and even though the uninsured rate of drivers across the state of New York remains at under 5 percent, the sheer volume of automobiles utilizing heavily congested roads increases 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 Orange County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of New York.
Orange County - Housing Statistics and Analysis
| NEIGHBORING COUNTIES | Homeowners | Renters |
| Orange County | 67% | 33% |
| Dutchess County | 69% | 31% |
| Putnam County | 82% | 18% |
| Rockland County | 68% | 32% |
| Sullivan County | 68% | 32% |
| Ulster County | 68% | 32% |
Unlike the majority of the state of New York, where the residential marketplace is split almost evenly between homeowners and renters (54% to 46%), just 33% of Orange County’s estimated 148,752 dwellings in 2022 were rentals, which is still the highest ratio among the neighbors: Dutchess County has the second-largest proportion of renters, while Putnam County has the most homeowners.
Statewide, Hamilton County has the highest homeownership rate, with just 13% of its homes being rentals, while the Bronx is the state leader with the highest percentage of its real estate for rent (≈80%).
Nearly 22% of housing units in Orange County experience housing problems, overcrowding, poor plumbing, or issues with the kitchen. In 1 out of 5 homes, residents spend more than 50% of their income on housing.
Housing Insurance Analysis
Nearly 149 thousand housing units in Orange 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 protect the underlying financial investment from possible loss or damage.
With over 49 thousand housing units in Orange 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.
Renters insurance Middletown: 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 Orange County will require Renters insurance as a condition of the lease.
For consultation and to get a quote on Homeowners, Renters, Condo, Flood, and other types of insurance in Orange 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.
Orange County - Health Statistics and Analysis
| NEIGHBORING COUNTIES | Uninsured Adults |
| Orange County | 7% |
| Dutchess County | 6% |
| Putnam County | 5% |
| Rockland County | 7% |
| Sullivan County | 7% |
| Ulster County | 7% |
In Orange County, around 7% of adult residents under the age of 65 lack proper health insurance coverage, which is lower than the state average (≈8%), but not the lowest in the region. The lowest uninsured rate among the neighbors is in Putnam County, while the rest of the other counties are tied with Orange County, with the exception of Dutchess County which has a 6% uninsured rate.
The highest uninsured adult rate in the state of New York is in Queens County (12%), while the lowest rate is observed in Saratoga County, at under 5% of the adult residents.
Over 17% of adults in Orange County report problems with health. This is partially due to the fact that 26% of the Orange County population do not participate in physical exercise activities. Around 29% of the Orange County adult residents are considered obese (with a BMI of 30 or more), which is higher than the New York state average of over 26%. Among the neighboring counties, the highest adult obesity rate is recorded in Sullivan County at around 36%, and the lowest is in Rockland County with 23%.
In 2022, 66,775 Orange County residents were enrolled in Medicare, with the following utilization:
| ORANGE COUNTY - MEDICARE | Usage |
| Original Medicare | 68% |
| Medicare Advantage | 32% |
| Original Medicare Part A and Part B | 60% |
| Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries | 32% |
| Medicare Part D | 49% |
| Medicare Advantage Prescription Drug Plan | 28% |
In 2022, there were 12 health insurers in Orange County, offering affordable and frequently subsidized ACA health insurance on the New York State of Health marketplace.
Health Insurance Analysis
Health insurance is the most important insurance coverage, and over 16 thousand adult Orange County residents lack this necessity.
Even though New York is among the states that do not allow the sale of multiple types of alternative health insurance options, Orange 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 Middletown residents, supplementary options can also be purchased. 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.
Low-income health insurance: If health insurance is not being purchased due to unaffordability, low-income residents of Orange 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 Orange 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.
Orange County - End of Life Statistics and Analysis
| NEIGHBORING COUNTIES | Average Life Expectancy |
| Orange County | 80.5 |
| Dutchess County | 80.7 |
| Putnam County | 82.8 |
| Rockland County | 83.2 |
| Sullivan County | 78.3 |
| Ulster County | 80.2 |
Average life expectancy for the residents of Orange County is around 80 years old, which is shorter than the state average in New York (81.4), but not the shortest in the region. The shortest average life expectancy is recorded in Sullivan County, while the longest is in Rockland County.
While New York County has the highest average life expectancy (85.2), the lowest life span in New York state is seen in Chemung County, at under 77 years old.
In 2022 there were approximately 55,439 seniors (65 and older) residing in Orange County.
Life Insurance Facts
In 2022, 47% of Americans did not have an active life insurance policy of any type.
Life insurance premiums are based on the age of the insured when the policy begins, among other factors. That is why young adults are advised to acquire a life insurance policy while they are still young and healthy to save money in premiums over the course of the policy.
Over 17% of the adults in Orange County smoke, and this habit will likely affect the life insurance costs of over 49,000 adults by increasing the premiums by up to 4 times compared to non-smokers. A smoker’s life expectancy is deemed shorter, making them more of a risk than people who do not smoke.
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.
Orange County - Funeral Expenses Statistics and Analysis
Funeral expenses in and around Orange County differ substantially. The average price of a funeral in Orange County is around $6,000, which is lower than the New York state average of $6,500. Orange County ties with Sullivan County as the second-lowest average funeral cost in the region. The lowest average cost for a burial is in Dutchess County at $5,800. Meanwhile, the most expensive average funeral cost in the region is recorded in Ulster County at around $8,800.
Suffolk County tends to have the most expensive funerals in New York, (≈ $10,500), while Erie County is the least expensive (under $5,000).
Life Insurance Analysis
- With 46% of Americans dying with savings of less than $10,000, over 25 thousand Orange County senior residents could be placing the unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to settle the costs.
(Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of. Discuss your senior life insurance options with a licensed New York life insurance professional.
The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life nsurance and Final Expense (also known as Burial insurance).
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.
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 Orange County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison.
Orange County - Business
Commercial insurance needs vary between each of the nearly 10 thousand business establishments in Orange County. The largest job-creating sectors are:
Health Care & Social Assistance
Educational Services
Retail Trade.
Commercial Insurance Analysis
Every business in Orange 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, such as:
Health insurance,
Life insurance,
Disability insurance,
Workers’ Compensation insurance, and
Unemployment insurance.
Health care professionals can benefit from Medical malpractice coverage, which protects both the patients and the insured medical professionals.
At a minimum, retail establishments typically get Property insurance, Business liability, Business income, and Workers’ compensation insurance.
To assess your business insurance needs in Orange 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.
