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

Bee County

Driving in Bee County

An estimated 25,298, or around 0.11% of private and commercial vehicles in Texas, are registered in Bee County.

Moreover, 83% of adult drivers in Bee County drive to work alone and around 6,000 of them commute for 30 minutes or more.

With an estimated 20% of Texas drivers driving uninsured, there could be around 5,000 uninsured automobiles in Bee County alone.

Auto Insurance Analysis:

  1. More than 25,000 vehicles registered in Bee 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 possible options.

  2. In Texas, where 1 out of every 5 drivers is uninsured, Uninsured Driver Coverage is becoming increasingly important. Texans pay nearly $900 million each year in uninsured and underinsured driver coverage.

  3. Driving without insurance is dangerous because the road is a high-risk location for accidents. You will be fined, your vehicle will most likely be seized, and your license may be suspended if you are caught driving without insurance.

To discuss your auto insurance needs in Bee County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Texas Insurance Information Portal.svg

Car Insurance in Texas

Read more

Bee County Housing

Unlike the rest of Texas, where houses are predominantly owner-occupied, Bee County's 10,808 housing units are heavily influenced by renters. At least 4 out of 10 residences in the county are for rent. In comparison to its neighboring counties, Bee County has the lowest rate of live-in owners - around 62%. The surrounding counties are mostly made up of owner-occupied dwellings as well. Live Oak County leads the way with almost 82% of homeowners living in their homes, followed by Goliad County with 80%.

Around 16% of the housing in Bee County is considered in severe condition, and in approximately 15% of homes, the family residing on the property spends more than 50% of income on housing.

Housing Insurance Analysis:

  1. Insurance is needed for roughly 11,000 housing units in Bee County. Owners of homes should, at the very least, carry Homeowners or Condo Insurance to protect themselves from loss or damage to the property.

  2. For the over 4,000 rental units, Landlord Insurance is strongly advised. Landlord insurance protects the property itself, from liability claims, the loss of rental income, and much more.

  3. Renters Insurance, which is significantly less expensive than homeowner's insurance, is the way for tenants to protect themselves. Renters' insurance covers property theft/loss and vandalism, as well as smoke, sewer backup damage, water, and fire. It also shields a renter from liability if someone is hurt on the property.

Discuss your Home insurance needs and options with a state-licensed Property & Casualty (P&C) insurance professional. A Texas P&C insurance agent: a) Analyzes your needs, b) Researches viable options of coverage, c) Explains the subtleties between the possible options, and d) Assists you with the application process. The agent usually continues being the client’s preferred link to the insurer, for the duration of the policy.

Texas Insurance Information Portal.svg

Residential Insurance in Texas

Read more

Bee County Health

Bee County, unlike the majority of Texas counties, has a lower than the average number of uninsured residents. Around 19% of Bee County residents under the age of 65 are without health insurance. Live Oak County has the highest uninsured rate among neighboring counties, at nearly 22%, followed by Karnes (20%), Refugio (19%), and San Patricio (19%) counties. Goliad County, with a little over 17% uninsured rate, is the neighbor with the least uninsured.

Over 7,000 Bee County residents report concerns with their health. Almost 34% of the county’s residents are considered obese (with a BMI of 30 or more), and around a fifth of the adult population smokes.

At least 2 health insurers in Bee County offer affordable and frequently subsidized 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 over 5,000 Bee County residents under the age of 65 do not have it.

  2. Texas law permits the sale of a variety of health insurance plans, making it simple for residents 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 of too high of a cost, lower-income consumers should apply for government subsidies, which can significantly reduce the cost of insurance.

  4. If there are no pre-existing conditions, short-term health insurance, and the associated supplemental plans may offer additional savings. (Some short-term health insurance plans in Texas may cover select pre-existing conditions after a year or more of continuous coverage)

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

Texas Insurance Information Portal.svg

Health Insurance in Texas

Read more

Bee County Mortality and the End-of-Life Statistics

Bee County residents have a life expectancy of 75.9 years, which is lower than the Texas average of 79.2 years and the lowest among its bordering counties. In terms of neighboring counties, Goliad County has the highest life expectancy at 80.2 years, while San Patricio County, with a life expectancy of 76 years, is the next county with the lowest life expectancy after Bee County. The lowest life expectancy in Texas is in Donley County, at under 73 years old, and the highest is in Presidio County, at 88.8 years old.

Over 4,000 seniors (65 years and older) resided in Bee County in 2022.

Life Insurance Facts:

  1. Life insurance premiums are based on the insured's age at the start of the policy. You save more money in premiums over the term of the policy if you get it when you are younger.

  2. In 2021, 48% of Americans did not have life insurance.

Motor Vehicle Fatalities in Bee County

Motor vehicle fatalities occur at a rate of about 18.78 per 100,000 vehicles on the road in Bee County. This amounts to an annual average of around 5 fatal collisions.

In 2020, the Texas Department of Transportation (TxDoT) reported over 419 crashes in Bee County, with a resultant 7 fatalities. Alcohol has been recognized as the leading cause of fatal crashes, accounting for roughly 29% of all traffic fatalities.

Final Expenses – Bee County Funeral Home Cost

In Bee County, the average funeral cost is around $5,400. This is significantly less than the average funeral cost in Texas, which is around $6,200. Among the neighbors, San Patricio County funeral expenses average $5,400, while Goliad County may cost $7,000 or more.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a simple burial can become a problem, putting an unwelcome and often debilitating strain on family and friends. Rather than grieving, the family must concentrate on determining how to pay.

  2. Apart from burial fees, the deceased frequently leave behind taxes and other debts for the family to deal with.

  3. The most often used life insurance policies to cover "final expenses" up to $50,000 are Term Life Insurance and Final Expense Insurance.

  4. The most commonly used life insurance products to leave money to the family are variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance.

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

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

Life Insurance in Texas

Read more