An estimated 6,784 private and commercial vehicles are registered in Archer County, which accounts for approximately 0.03% of all vehicles registered in the entire state of Texas.
Almost 85% of adult drivers in Archer County commute to work by themself, with as many as 900 residents commuting for over 30 minutes at least 5 days a week.
An estimated 20% of Texas drivers are uninsured throughout the whole state and about 1,300 vehicles in Archer County are uninsured.
Almost 7,000 vehicles registered in Archer County require insurance coverage. This is not counting the farm auto equipment. Depending on the type of a vehicle and its use, the required insurance may be: Private Auto, Farm Auto, Auto Liability, Inland Marine, etc.
Majority of Archer County roads are rural. Rural roads have less traffic and less potential of a vehicular collision. Meanwhile, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Archer county residents should consider Comprehensive Auto coverage, which helps in repairing the damage after hitting an animal.
Auto insurances such as Uninsured Driver Coverage is important, as 1 out of 5 drivers are uninsured in Texas. The total cost spent on paying both Uninsured and Underinsured Auto Coverages by Texans has reached nearly $900 million annually.
For consultation and advice about auto insurance in Archer County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
As of 2022 Archer County counted approximately 4,261 housing units. The housing market in the county is split between Home owners (84%) and Renters (16%).
Less than 10% of Archer County housing was experiencing severe housing problems. The most common issues were associated with high housing costs, overcrowding, lack of plumbing, or issues with the kitchen.
Over 4,000 housing units in Archer County's need insurance coverage. Since the majority of houses in the county are owner-occupied, those units should be covered by Homeowner's Insurance, which serves to protect the owners from either loss or damage.
With approximately 700 rented units, landlords are highly advised to obtain Landlord Insurance. That will cover the property from possible liability claims by their tenants.
As for the tenants, they are advised to get Renters Insurance coverage. The purpose of that coverage is to protect their belongings from possible damage or loss. Additionally, that type of insurance will also cover various types of damages (fire, smoke, water, and vandalism) and theft. Do take note that a Renters Insurance may be required by some landlords operating in Archer County as part of their lease conditions.
For a consultation and advice about Homeowners insurance or Renters insurance in Archer County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Although not the worst when being compared to its neighbors about health insurance, at least 1 out of every 5 adults in Archer County does not have proper health insurance coverage. On top of that, approximately 12% of children in Archer County also don’t have health insurance coverage as well.
When it comes to people reporting problems related to poor health, there are more than 1 of 8 people in the county. When converted to numerical data, that amounts to more than 1,170 people.
One factor that contributes to poor health is the lack of physical exercise as 18% of the residents of Archer County do not participate in it.
The obesity rate in the county is around 29% (with a BMI of 30 or more), which is lower than the Texas average of 32%. When compared to its neighboring counties, Archer County is ranked 5th with the worst obesity rate, with Wilbarger County being the worst with a 36% rating.
There are only 2 health insurers in Archer County that offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.
Unfortunately, almost 20% of Archer County residents lack health insurance coverage, which is considered the most important insurance any person should have.
Fortunately enough, Texas allows multiple types of health insurance coverages for its residents, alongside supplemental products coverage. Health insurance plans that can be found in Archer County include: Marketplace ACA Health Insurance, Short-Term Insurance, Hospital Indemnity, and many other variations.
For those Texans who may think they cannot afford to purchase health insurance coverage, there are government subsidies that can help low-income consumers to get health insurance coverage by substantially lowering the costs. Don’t get caught in a medical emergency without at least emergency type coverage.
For consultation and advice about health insurance in Archer County contact a health insurance agent licensed in the state of Texas.
The life expectancy of an Archer County resident is 80.3 years old, which is not far from the Texas average of 79.2 years old. When compared to its neighboring counties, Archer County has the highest rating, while the lowest would be Baylor County with a rating of 73.8 years old.
In 2022, there were approximately 1,700 senior citizens (65 years old and older) residing in Archer County.
48% of Americans in 2021 have been recorded as not having any type of active life insurance policy.
Do take note that life insurance premium heavily depends on the age of the insured when they apply and get accepted for the policy. It is highly advised to lock in the premium price at a young age as it can provide more savings for the insured over the course of the policy.
Motor vehicle fatality deaths in Archer County occur at a rate of almost 28 per 100,000 vehicles on the road. Statistically, this translates to at least 2 fatal crashes per year.
However, in 2020, Texas Department of Transportation (TXDoT) in Archer County reported 151 crashes, where 4 have been confirmed as total fatalities (doubling it’s statistical rate). Alcohol is determined as the main factor for the fatal crashes in Archer County in every 4th driving fatality.
Funeral expenses in and around Archer County vary drastically. The average price of a funeral in Archer County is reported at almost $6,600, which is in line with the nearby Clay county. In Wichita county you may be able to do a complete burial without the service for under $4,000, including the minimum-priced casket.
Regrettably, the percentage of Americans dying with savings of less than $10,000 is around 46%. That can be a huge issue as basic funeral costs can be a sudden and (frequently) unbearable burden on both family and friends. That prevents them from grieving for the loss and instead they must find a way to pay for it.
Besides the burial costs, the deceased frequently leave behind unpaid taxes and other debt that the family might have to take care of.
Term Life Insurance and Final Expense Insurance are the frequently used types of insurance policies when it comes to covering "final expenses" that cost up to $50,000.
There are variations to the types of insurance policies that can help the people left behind by the deceased by providing them with financial assistance. Such life insurance policies can be variations of Term Life Insurance and Whole Life Insurance.
For consultation and advice about life insurance in Archer County, contact a life insurance agent licensed in the state of Texas.