up button arrow
logotype
https://texasinsurance.org is a privately owned website that is not owned or operated by any government agency

Baylor County

Driving in Baylor County

Baylor County roads are home to approximately 2,730 private and commercial vehicles. This number represents about 0.01% of all vehicles registered in the state of Texas.

More than 84% of adult drivers in Baylor County drive alone to get to work, and more than a quarter of those trips take more than 30 minutes.

An estimated 20% of Texas drivers are uninsured, which means that there could be more than 500 uninsured vehicles in Baylor County alone.

Auto Insurance Analysis:

  1. Almost 3,000 vehicles registered in Baylor County are required to have insurance. The type of vehicle and its intended use determine the type of coverage needed: Private Auto, Commercial Auto, Auto Liability, Commercial Transportation, Inland Marine, and so on.

  2. Due to the fact that everyone drives independently, there are more vehicles on the road, which increases the chances of a collision. This usually causes premiums to rise.

  3. A longer commute by the area’s residents raises the cost of auto insurance, because it increases the amount of time a driver spends on the road and thereby raises the chances of being involved in a car accident.

  4. Uninsured Driver Coverage is becoming increasingly important in Texas, where one out of every five drivers is uninsured. The cost of uninsured and underinsured motorist coverage in Texas is nearly $900 million per year.

To get a consultation and advice about auto insurance in Baylor County, contact a Property & Casualty (P&C) insurance agent licensed in Texas.

Texas Insurance Information Portal.svg

Car Insurance in Texas

Read more

Baylor County Housing

Baylor County's approximately 2,638 housing units are split between homeowners (72%) and renters (28%), similar to the rest of Texas, where most homes are owner-occupied. The surrounding counties are also mostly made up of owner-occupied homes, with Archer County leading the way with nearly 84% homeownership and Wichita County closing in last with about 60% owners and 40% renters.

More than 1 out of 16 housing units in Baylor County are reportedly experiencing housing problems as a result of high housing costs, congestion, a lack of plumbing, or kitchen issues.

Housing Insurance Analysis:

  1. Almost 3,000 housing units in Baylor County require insurance coverage. At the very least, they should all have Homeowner's coverage to protect the owners of the property from loss or damage.

  2. With over 700 rental units in Baylor County, landlords should obtain Landlord Insurance, which covers both the property and potential liability claims from tenants.

  3. Renters Insurance should be obtained by tenants to protect their belongings from potential damage or loss. Renters' insurance typically protects tenants' possessions against theft and damage caused by fire, smoke, water, and vandalism. Renters insurance may be required as a condition of the lease by some Baylor County landlords.

  4. Because of Baylor County’s proximity to Tornado Alley, all residents should be aware of the procedures and safeguards put in place by local agencies. Baylor County has experienced an average of one or more tornadoes per year, out of approximately 132 tornadoes that strike the entire state of Texas each year. Tornadoes in Baylor County are most likely in May and April, followed by March and October. With that in mind, homeowners, landlords, and renters in the county should obtain appropriate insurance policies against loss and damage.

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

Texas Insurance Information Portal.svg

Residential Insurance in Texas

Read more

Baylor County Health

Although not the worst when compared to its neighbors in terms of health insurance coverage, at least 1 out of every 6 adults and approximately 12% of all children in Baylor County do not have health insurance coverage. Haskell County has the highest adult uninsured rate among neighboring counties, at nearly 27 percent, while Baylor County has the lowest, at around 16 percent. In comparison, Gaines County has the highest rate of uninsured adults in Texas, at nearly 36%, while Loving County has the lowest, at 11%. The average adult uninsured rate in Texas in 2021 was over 20 percent.

More than 1 in every 5 adults in Baylor County has a health issue. A quarter of the Baylor County population is not physically active on a daily basis.

Around 27% of Baylor County residents are considered obese (BMI of 30 or more), which is lower than the Texas average of around 31%. Throckmorton County has the lowest obesity rate among neighboring counties, affecting approximately 24% of its residents. On the other hand, Wilbarger, Wichita, and Archer Counties tie at close to 36 percent each.

At least 1 health insurer in Baylor County offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important type of insurance, and over 4 hundred residents in Baylor County do not have it.

  2. Texas allows the sale of multiple types of health insurance and supplemental products, making it easier for Texans to obtain coverage that fits their need the best: Marketplace ACA health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.

  3. 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)

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available in Baylor County.

A Health Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the plans that fit your needs and are available locally,
  • 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
  • does not affect your cost insurance. (agent’s service is paid by the insurer)
Texas Insurance Information Portal.svg

Health Insurance in Texas

Read more

Baylor County Mortality and the End of Life Statistics

Residents of Baylor County have a life expectancy of around 73.8 years, which is significantly lower than the Texas average of 79.2. Among the neighboring counties, Archer County reports the longest life expectancy (80.3), and Baylor County itself has the lowest. Statewide, Presidio County has the highest life expectancy in the state of Texas, at 88.8, while Donley County reports the lowest, at 72.8 years old.

In 2022, Baylor County's senior population (65+ y.o.) was estimated at over 8 hundred people.

Life Insurance Analysis:

  1. In 2021, 48% of Americans did not have any type of active life insurance policy.

  2. 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 Baylor County

Alcohol is determined to be the primary cause of fatal crashes in Baylor County in more than 1 in every 5 of all driving fatalities. In 2020, Texas Department of Transportation (TxDoT) reported 64 crashes in Baylor County, with a resultant 3 fatalities.

Final Expenses – Baylor County Funeral Home Cost

A funeral service in and around Baylor County can be quite costly. While the average cost of a funeral in Texas is around $6,200, the average cost of a funeral in Baylor County can be more than $8,000, making it one of the most expensive in the surrounding counties. While Archer County $6,600 has the lowest funeral market cost (less than $7,500).

Life Insurance Analysis (continued):

  1. 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. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Aside from burial expenses, the deceased 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.

Contact a life insurance agent licensed in the state of Texas for a consultation and advice about life insurance options available in Baylor County.

A Texas Life Insurance Agent:

  • analyzes the client's life insurance needs and restrictions,
  • researches the available plans that fit the client's needs,
  • provides the client with the available options of coverage,
  • explains how the differences between the available options affect the client once they start using each insurance product
  • assists the client with the application process
  • does not affect the client's final cost of insurance. (agent’s service is usually paid by the insurer)
Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

Read more