Anderson County
Driving in Anderson County
Anderson County's roads are home to an estimated 44,904 private and commercial vehicles. This figure represents approximately 0.2% of all vehicles registered in the state of Texas.
Over 84% of adult drivers in Anderson County drive alone to work, and more than a quarter of those commutes last longer than 30 minutes.
It is estimated that 20% of Texas drivers are uninsured, with approximately 9,000 vehicles uninsured in Anderson County alone.
Auto Insurance Analysis:
Almost 45 thousand vehicles registered in Anderson County require some form of insurance. Depending on the type of vehicle and its intended use, the following insurance policies may be required: Private Auto, Commercial Auto, Auto Liability, Commercial Transportation Inland Marine, and so on.
Because everyone drives separately, there are more vehicles on the road, which increases the likelihood of a collision. This usually raises premiums.
A longer commute increases the cost of auto insurance because it lengthens the amount of time a driver spends on the road and increases the likelihood of being involved in a car accident.
With 1 out of every 5 drivers in Texas being uninsured, Uninsured Driver Coverage is becoming increasingly important. Uninsured and underinsured motorist coverage costs Texans nearly $900 million per year.
For consultation and advice about auto insurance in Anderson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Anderson County Housing
While the majority of homes in Texas are owner-occupied (around 62%), Anderson County and the surrounding area beat the average by a large margin. Anderson County's housing market of around 21,187 units has the highest ratio of renters (30%) to homeowners (70%) similarly to Houston County. The rest of the surrounding counties are largely made up of owner-occupied homes too, with Freestone County leading the way with over 77% homeownership.
Almost 14% of housing units in Anderson County are reportedly experiencing severe housing problems as a result of high housing costs, congestion, a lack of plumbing, or kitchen issues.
Housing Insurance Analysis:
Anderson County has over 21 thousand housing units that require insurance coverage. At the very least, all of them should have Homeowner's coverage to protect the property's owners from loss or damage.
With over 6,000 rental units in Anderson County, landlords are advised to obtain Landlord Insurance, which covers the property as well as potential liability claims from tenants.
Tenants should obtain Renters Insurance to protect their belongings from potential damage or loss. Renters' insurance typically protects tenants' belongings from theft and damage caused by fire, smoke, water, and vandalism. Some Anderson County landlords may require Renters insurance as a condition of the lease.
For consultation and advice about Homeowners insurance or Renters insurance in Anderson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Anderson County Health
Although not the worst when being compared to its neighbors concerning health insurance, at least 1 out of 5 adults and around 11% of all children in Anderson County do not have health insurance coverage. Leon County has the highest adult uninsured rate among the neighboring counties at approximately 26%, while Freestone and Anderson Counties tie with almost 21% of adults uninsured. For comparison,Gaines County has the highest rate of uninsured adults in Texas, at nearly 36%, while Loving County has the lowest rate, at 11.4%. In 2021, the average adult uninsured rate in Texas was around 20.7%.
Nearly 1 in every 4 adults in Anderson County has a health problem. Almost a quarter of the Anderson County population does not engage in daily physical activity.
Over 37% of Anderson County residents are considered obese (BMI of 30 or more), which is higher than the Texas average of around 31%. Houston County has the lowest obesity rate among neighboring counties, affecting approximately 28% of its residents. On the other hand, in Cherokee County close to 44% of its population is obese.
At least 1 health insurer in Anderson County offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.
At least 1 health insurer in Anderson County offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.
Health Insurance Analysis:
Health insurance is the most important type of insurance, and over 10 thousand residents in Anderson County do not have it.
Texas is one of the states that allow multiple types of health insurance and supplemental products, making it easier for its residents to obtain coverage: Marketplace ACA health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.
If health insurance is not purchased due to cost, low-income residents should apply for government subsidies, which can significantly reduce the cost of health insurance coverage. If you do not have any pre-existing conditions, short-term insurance may be an option for you. (Note: Short term insurance may cover some pre-existing conditions after a year of coverage)
For consultation and advice about health insurance in Anderson County contact a health insurance agent licensed in the state of Texas.
Anderson County Mortality and the End of Life Statistics
Anderson County residents have a life expectancy of around 73.3 years, which is lower than the Texas average of 79.2. Among neighboring counties, Leon County has the longest life expectancy, adding more than 4 years on top of Anderson County. The highest life expectancy in the state of Texas is seen in Presidio County at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.
In 2022, Anderson County's senior population was estimated at nearly 9,000 people, aged 65 and older.
Life Insurance Facts:
In 2021, 48% of Americans did not have any type of active life insurance policy.
Life insurance premiums are calculated based on the insured's age at the start of the policy. The younger you are when you purchase it, the less you will pay in premiums over the course of the policy._
Motor Vehicle Fatalities in Anderson County
Motor vehicle fatality deaths in Anderson County statistically occur at a rate of 13.83 per 100,000 vehicles on the road, or around 8 fatal crashes per year.
In 2020, Texas Department of Transportation (TXDoT) Anderson County reported 7 crashes, with a resultant 7 fatalities. Alcohol is determined to be the primary cause of fatal crashes in Anderson County in more than 18% of all driving fatalities.
Final Expenses – Anderson County Funeral Home Cost
Funeral costs in and around Anderson County vary greatly. The average funeral cost in Anderson County is around $5,200, ranking second by price in the surrounding area. Leon County funeral homes have the highest average funeral cost of nearly $7,000, while Cherokee County funeral homes have the lowest average funeral cost of at least $5,000.
Life Insurance Analysis:
With 46% of Americans dying with less than $10,000 in savings, the basic funeral cost can be an issue, putting an unnecessary and often unbearable burden on family and friends. Instead of focusing on their loss, the family must focus on finding a way to pay.
Aside from burial expenses, the deceased frequently leave behind taxes and other debts for the family to deal with.
Term Life Insurance and Final Expense Insurance are the most commonly utilized life insurance policies to cover "final expenses" up to $50,000.
Variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance, are the most often utilized life insurance products to leave money to the family.
Contact a health insurance agent licensed in the state of Texas for consultation and advice about health insurance in Anderson County.
