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Aransas County

Driving in Aransas County

An estimated 18,166 private and commercial vehicles travel Aransas County's roadways. This figure represents about 0.08% of all vehicles registered in the state of Texas.

Over 77% of adult drivers in Aransas County commute to work by themself, and less than a quarter of those commutes last longer than 30 minutes.

It is illegal to drive without car insurance in Texas. With over 20% of Texas drivers uninsured, about 3,600 vehicles in Aransas County alone are uninsured.

Auto Insurance Analysis:

  1. In Aransas County, over 18,000 registered automobiles are required to have insurance. Private Auto, Commercial Auto, Auto Liability, Collision coverage Commercial Inland Marine, and other types of insurance may be required depending on the type of vehicle and its intended usage.

  2. While the majority of Aransas county residents drive their own cars, auto insurance premiums are not as affected by the amount of traffic, as they are in the neighboring giant (Nueces County - with almost 15 times the amount of vehicles on its roads).

  3. Longer commutes of about 3,000 Aransas County residents raise the cost of auto insurance by increasing the amount of time a driver spends on the road and the probability of getting involved in a car accident.

  4. Uninsured drivers account for one out of every five drivers in Texas. As a result of these high-risk drivers putting the burden of damage liability on other road users, Texans spend an estimated $900 million per year on Uninsured and Underinsured Auto Coverage to reduce this risk.

Talk to a Texas-licensed Property and Casualty (P&C) insurance professional to find out more about auto insurance options in Aransas County.

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Car Insurance in Texas

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Aransas County Housing

Similarly to the rest of Texas, where most homes are owner-occupied, Aransas County's 16,547 (est.) housing unit market is split between home owners (80%) and renters (20%). The surrounding counties are also predominantly made up of owner-occupied homes, with Aransas County having the highest percentage of homeownership, and Nueces County closing in last, with just 57% of homes occupied by owners.
1 out of 7 households in Aransas County is experiencing housing problems, such as:

  • Increasing housing cost
  • Lack of plumbing facilities
  • Overcrowding, or
  • Lack of proper kitchen facilities

Housing Insurance Analysis:

  1. Over 16,000 housing units in Aransas County need Homeowners or Condo insurance coverage to protect the homeowner’s property from either loss or damage.
  2. With approximately 3,300 rented units in the county, Landlord insurance is strongly recommended for property owners. This protects the property from any potential liability claims made by the tenants.
  3. To protect their belongings from possible damage or loss, tenants are advised to acquire Renters Insurance. Standard renters' insurance policies cover tenant’s property from theft and damages caused by fire, smoke, water, and vandalism. Landlords often need renters to get insurance as a condition of the lease.
  4. Due to its proximity to the Gulf of Mexico, Aransas County is among the most prone to be impacted by a stray storm or hurricane. In addition to being prepared and understanding what to do in the event of a hurricane, residents of Aransas County must understand how this risk affects their house insurance coverage.
    Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for consultation and advice on Homeowners, Renters, Condo, Flood, and other types of insurance in Aransas County.
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Residential Insurance in Texas

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Aransas County Health

Health coverage uninsured rate in Aransas County is the worst among its immediate neighbors. Nearly 1 out of 4 adults and 15% of all children in Aransas County do not have health insurance coverage. The next highest adult uninsured rate around the neighboring counties is in Calhoun County, with almost 20%, while San Patricio County has the lowest rate of less than 19%.

More than 1 in 5 adults in Aransas County report problems with health. That is over 4,000 people.

34% of the Aransas County population do not engage in physical exercise activities.

Approximately 38% of the Aransas County residents are considered obese (with a BMI of 30 or more), which is higher than the Texas average of around 31%. Among the neighboring counties, Refugio County reports the lowest– at around 20% of the residents, while almost 40% of adults from San Patricio County and 33% from Nueces County, followed by 32% of adults in Calhoun County may be considered obese.

There are at least 2 health insurers in Aransas County that offer affordable and frequently subsidized Affordable Care Act (ACA) health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage to have and almost 4,000 people lack this necessity in Aransas County.

  2. Fortunately, Texans have a large selection of health insurance options: Marketplace ACA health insurance, various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, and more.

  3. If you cannot acquire health insurance due to the unaffordability of its cost, Texas allows lower-income residents to apply for government subsidies, which can significantly reduce insurance costs. If you don't have any pre-existing conditions, short-term insurance could be a good option to save money. (Some multi-year short-term plans may cover select pre-existing conditions after a certain period of coverage)

Contact a licensed Texas health insurance agent for a consultation and guidance on the various health insurance options available in Aransas County.

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Health Insurance in Texas

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Aransas County Mortality and the End of Life Statistics

Aransas County residents have an average life expectancy of about 76.8 years, which is significantly less than the Texas average of 79.2 years. Among the neighbors, none approach the state average. While Calhoun County and Nueces County both tie as the area leaders at 78.4, San Patricio County is statistically lowest - at 76 years old.

As of 2022, there were approximately 7,000 seniors (65 and older) residing in Aransas County.

Life Insurance Facts:

  1. According to research in 2021, about 48% of Americans had no active life insurance policy.

  2. The age of the person insured when the policy begins determines the life insurance premiums. The younger you are when you acquire it, the more money you save in premiums over the policy term.

Motor Vehicle Fatalities in Aransas County

Fatalities from motor vehicle accidents in Aransas County statistically occur at a rate of around 20.20 per 100,000 vehicles, which is an average of more than 3 fatal collisions per year. Statistically, 8% of all driving fatalities in Aransas County involve alcohol.

In 2020, the Texas Department of Transportation (TxDoT) in Aransas County reported over 302 collisions in 2020, with one fatality.

Final Expenses – Aransas County Funeral Home Cost

Funeral expenses in and around Aransas County vary drastically based on the included services, such as the transportation of remains, cost of a casket, and the level of chosen service. The average cost of a no-frills funeral in Aransas County is almost $6,400. Among the neighbors, San Patricio County has the lowest average funeral cost of about $5,400, which is lower than the average across the state ($6,200).

Life Insurance Analysis:

  1. Statistics show 46% of Americans die with less than $10,000 in their bank accounts, thus paying for the funeral may be a challenge for the family. This places an unnecessary burden on the deceased's relatives, requiring them to focus on paying for funeral expenses rather than grieving their loss.

  2. Aside from burial costs, the dead frequently leave behind unpaid taxes and obligations for the family to deal with.

  3. Final Expense Insurance and Term Life Insurance are two policies that can help cover "final expenses," up to $50,000.

  4. The most commonly used life insurance coverage that ensures you leave some money for your relatives are the variations of the following:

  • Term Life insurance
  • Whole Life insurance
  • Indexed Universal Life (IUL) insurance

Contact a life insurance licensed agent in the state of Texas for a consultation and advice on life insurance options in Aransas County.

A Texas Life Insurance Agent:

  • analyzes your personal and financial needs,
  • researches the insurers with the options that best fit your needs,
  • explains how the differences between the options affect you and your beneficiaries,
  • assists you with the application process

The use of a Texas insurance agent usually comes at no extra expense to the policyholder.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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