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Andrews County

Driving in Andrews County

An estimated 15,055 private and commercial vehicles call the roads of Andrews County their home.

Over 78% of adult drivers in Andrews County drive to work alone, with close to 3,500 of them commuting for 30 minutes or more.

With an estimated 20% of Texas drivers driving uninsured, there might be around 3,000 uninsured automobiles in Andrews County alone.

Auto Insurance Analysis:   

  1.   More than 15,000 vehicles registered in Andrews County need insurance coverage. The type of auto insurance a car requires is determined by the vehicle's make and model, as well as its intended use. Private Auto, Commercial Auto, Auto Liability, Commercial Inland Marine, and other types of vehicle insurance are all options to consider.

  2. Uninsured Driver Coverage is becoming increasingly critical in Texas, where 1 out of every 5 drivers is uninsured. Uninsured and underinsured motorist coverage costs Texans over $900 million per year.

  3. Driving without insurance is risky because the road is an exposed area to accidents and incidents. If you are caught driving without insurance, you will be fined, your vehicle will most likely be seized, and your license may be suspended.

For consultation and advice about auto insurance in Andrews County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Andrews County Housing

Andrews County's approximately 6,691 housing units are favored by homeowners over renters, similar to the rest of Texas, where residences are primarily owner-occupied. Approximately 74% of Andrews County people are homeowners. The neighboring counties also largely consist of homes occupied by owners. Winkler County leads the way with almost 80% homeownership live-in rate and Ector County closes out the list with less than 65%.

Around 14% of the housing in Andrews County is in severe condition, and in 5% of homes, the family residing on the property spends more than 50% of income on housing.

Housing Insurance Analysis:

  1. Insurance is required for roughly 6,700 housing units. Owners of these homes should, at the very least, carry Homeowner's Insurance to protect themselves from loss or danger.

  2. Landlord Insurance is strongly recommended for rental properties. Such policy protects the landlord from liability claims and loss of rental income.

  3. Tenants can also protect themselves by purchasing Renters Insurance, which is far less expensive than homeowner's insurance. Property theft/loss and vandalism, smoke, sewer backup damage, water, and fire are all covered by renters’ insurance. It also protects a renter from liability if someone is injured on the premises.

For consultation and advice about Homeowners insurance or Renters insurance in Andrews County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Andrews County Health

Just like the majority of the counties in Texas, Andrews County also has a lot of uninsured. Around 21% of Andrews County’s residents under 65 do not have health insurance coverage. Among the neighboring counties, the highest uninsured rate is in Gaines County at over 35%, followed by Ector (22%) and Winkler (21%) Counties. The neighbor with the lowest uninsured rate is Midland County with a little over 18%.

According to the 2022 figures, over 3,000 of Andrews County residents reported fair or poor health.

27% of Andrews County population lead a non-physically active lifestyle. As a result, more than 30% of the county’s residents (approximately 4,000) are considered obese.

At least 2 health insurers in Andrews County offer affordable and frequently subsidised ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. The most crucial insurance coverage for any person is health insurance, and approximately 3,600 non-seniors including children in Andrews County do not have it.

  2. Texas permits a variety of health insurance plans, making it simple for people to obtain coverage. Marketplace ACA health insurance, Short-term insurance, Hospital Indemnity, Accident & Health, and other types of health insurance are available.

  3. If health insurance is not obtained because it is too expensive, low-income consumers should apply for government subsidies, which can significantly reduce the cost of insurance.

Contact a health insurance agent licensed in the state of Texa for consultation and guidance on health insurance in Andrews County.

Andrews County Mortality and the End-of-Life Statistics

The average life expectancy of the Andrews county resident is 76.8 years, which is lower than the Texas average of 79.2 years. As for the neighboring counties, the highest life expectancy is in Gaines County with 79 years and the lowest is in Winkler County with just a life expectancy of 73.4, just next to Martin County with 73.5 years.

As of 2022, there were approximately 1,900 seniors (65 years and older) residing in Andrews County.

Life Insurance Facts:

  1. Premiums for life insurance are determined by the insured's age at the start of the policy. The younger you are when you purchase it, the more money you will save in premiums over the life of the policy.

  2. According to a study conducted in 2021, 48% of Americans did not have life insurance.

Motor Vehicle Fatalities in Andrews County

In Andrews County, fatalities from motor vehicles occur at an approximate rate of 36.09 per 100,000 vehicles on the road. This equates to an average of 6 deadly collisions per year. Alcohol has been identified as the primary cause of fatal collisions in Dallas County, accounting for around 29% of all traffic fatalities.

Andrews County recorded 3 crashes in 2020, with 4 fatalities as a result.

Final Expenses – Andrews County Funeral Home Cost

The average funeral cost in Andrews County is approximately $4,300. This is significantly lower than the average funeral cost across Texas, of around $6,200. Out of the neighbors, Midland County has an average funeral home cost of $7,800 while Martin County is at $3,900, which is the lowest among the neighboring counties. This funeral package usually includes basic services like bathing, dressing, viewing, embalming, direct cremation, and a funeral ceremony.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, the expense of a simple funeral can become an issue, putting an unwanted and often terrible strain on family and friends. Rather than grieving their loss, the family must focus on figuring out how to pay.

  2. Aside from the costs of burial, the departed frequently leave behind taxes and other debts for the family to deal with.

  3. Term Life Insurance and Final Expense Insurance are the most commonly utilized life insurance policies to cover "final expenses" up to $50,000.

  4. 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.

For consultation and advice about life insurance in Andrews County, contact a life insurance agent licensed in the state of Texas