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Bexar County

Driving in Bexar County

Bexar County has over 1 million licensed drivers and about 1,597,113 registered vehicles, meaning that the county roads and highways are busy places. 79% of Bexar County adult drivers use their vehicles for commuting. Only a small percentage of cars are used for pleasure only. The primary use of “commuter vehicles” is driving to and from work. On average, it is estimated that each commuter vehicle in Bexar County spends at least 30 minutes on the road every working day.
In Bexar County as well as the entire state of Texas, it is illegal to drive without car insurance, which acts as the “proof of financial responsibility”. It is estimated that over 262,000 vehicles in Bexar County are without insurance and at the state level, about 20% of Texas drivers are uninsured.

Auto Insurance Analysis

  1. There are over a million and a half Bexar County vehicles that need insurance. The type of auto insurance a car needs will depend on the vehicle type and the purpose it serves. Types of vehicle insurance to consider include: Private Auto, Commercial Auto, Commercial Inland Marine, and more. Liability coverage is required for all vehicles on the road.
  2. Most Bexar residents drive their own car, which contributes to the increase in road traffic. As a result, the chances of encountering a road accident rises, which can inflate insurance premiums.
  3. When a vehicle spends more time on the road, it increases the auto insurance cost. This is because spending more time driving increases the possibility of an accident happening.
  4. Out of every 5 Texas drivers, one person is uninsured, which is why Uninsured Driver Coverage is critical. Every year Texans spend about $900 million on Uninsured and Underinsured Auto Coverage. By driving uninsured, such high-risk drivers are placing the burden of damage liability on other drivers sharing the road with them. If you get caught driving without insurance, you get fined, your vehicle usually gets impounded, and you may face a suspension of the license.
    Consultation and advice concerning insurance in Bexar County is available by contacting a licensed Texas Property & Casualty (P&C) insurance agent.
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Car Insurance in Texas

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Bexar County Housing

There are approximately 722,130 housing units in Bexar County, of which roughly 58% are homeowner-occupied. Renters occupy the other 42%. This means that the distribution of housing is quite balanced, unlike most other counties in Texas where owners are the overwhelming majority of occupants.

More than 17 out of 100 households in Bexar County, are experiencing severe housing problems, such as:

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

Housing Insurance Analysis

  1. Almost three quarters of a million housing units in Bexar County need insurance coverage. The owners of these homes should at least maintain a standard Homeowner’s insurance. This will help them replace or repair the structure of the building or any of its content, if an event and damage covered by this insurance occurs.

  2. Approximately 300,000 Bexar housing units are occupied by tenants; therefore, landlords of these properties are encouraged to get Landlord Insurance. Such policy covers the property and also protects the landlord, should a tenant file a liability claim.

  3. The Tenants can also protect themselves by obtaining Renters Insurance coverage, which is much more affordable than Homeowners insurance. Renters insurance covers property theft/loss and damages resulting from vandalism, smoke, sewer backup damage, water, or fire. It also helps to shield a tenant from liability should an individual suffer an injury on the property. At times Bexar County landlords may include Renters insurance as a requirement prior to signing the lease.

Consultation and advice concerning insurance coverage types in Bexar County are available by contacting a Texas licensed Property & Casualty (P&C) insurance agent.

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Residential Insurance in Texas

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Bexar County Health

The Texas County of Bexar did not do well among major urban counties in the State when it came to health insurance. Approximately 336,000 Bexar County residents, aged 18 or above, live with poor or fair health conditions. Approximately 1 out of every 5 Bexar County residents under the age of 65 is uninsured. This puts Bexar County at the top of the list, with the highest number of uninsured adults among its 7 neighbors. Gaines County has the highest rate of uninsured adults under 65 in Texas -36%, while Loving County has the lowest rate (11.4%). For Texas as a whole, the average rate of uninsured adults under the age of 65 is about 20%.

Over 455,000 adults in Bexar County suffer from obesity. This means that there are more obese people in Bexar County, than in all the counties along its borders put together. The neighboring county that has the second-highest number of obese adults is Guadalupe with almost 44,000 while the one with the lowest is Bandera (with less than 6,000 people).

More than 1 out of 5 of Bexar residents lead a physically inactive lifestyle.

At least 4 health insurers in Bexar County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis

  1. Health insurance is the most important insurance coverage and almost 400,000 people lack this necessity in Bexar County, meanwhile:

  2. Texas allows various types of health insurance products, making it easy for people to be insured. The types of available health insurance include Marketplace ACA health insurance, Short-term insurance, Hospital Indemnity, Accident & Health, and more.

  3. If a person interested in health insurance is unable to afford it, such an individual is advised to apply for government subsidies. These subsidies help to significantly reduce health insurance costs for lower income population

Consultation, advice and assistance in purchasing health insurance in Bexar County is available by discussing it with a health insurance agent licensed in the state of Texas.

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Health Insurance in Texas

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Mortality and the End of Life in Bexar County

Bexar County's life expectancy rate is 78.9 which is less than the Texas average of 79.2 years. As for the counties on its borders, the highest is Kendall County with 81.6 years while the lowest is Atascosa County, with about 3 years less than Kendall. At the state level, Presidio County has the highest life expectancy at 88.8, while Donley County is statistically the lowest at 72.8 years old.

Life Insurance Facts

  1. According to research in 2021, about 48% of U.S citizens did not have any life insurance coverage.

  2. The cost of premiums in life insurance depends on the age of the insured when the policy starts. This means that the younger you are at the beginning of the coverage, the more you can save in premiums over time.

  3. Basic life insurance can be inexpensive and ensures that the individual’s beneficiaries get the death benefits agreed upon.

Motor Vehicle Fatalities in Bexar County

Bexar County records a driving death rate of 11.04% per 100,000 vehicles on the road, which is an estimated 176 fatal crashes per year.

According to a report from the Texas Department of Transportation in 2020, Bexar County recorded 183 fatal road crashes, which led to 196 people dying. Some of the things that contribute to this include the high volume of traffic in the area and the use of alcohol when driving.

Final Expenses – Bexar County Funeral Home Cost

Funeral expenses differ from county to county based on issues such as the transportation of remains, cost of casket, and the chosen service. However, as of 2022, the total cost of a funeral in Bexar county is estimated at $6,300 which is below the state average of $6,700. In Texas, Polk County has the highest cost (around $10,900) while both Willacy County and Kenedy County have the lowest (estimated $3,200).

Life Insurance Analysis

  1. 46% of U.S citizens die having less than $10,000 to their name hence, funding the funeral may become an issue for the family. This places an unnecessary burden on the relatives of the deceased forcing them to be more concerned about paying funeral bills and less about grieving their loss.

  2. Apart from the burial expenses, most of the time, the dead also pass the burden of unpaid taxes and debts to the family.

  3. Term Life Insurance and Final Expense Insurance are two policies that can help you cover “final expenses”, usually as high as $50,000.

  4. For common insurance policies that ensure you leave some money behind for your relatives, consider the following:

  • Term Life Insurance
  • Whole Life insurance
  • Indexed Universal Life (IUL) insurance.
    Consultation and advice regarding life insurance policies in Bexar County is available by talking with a licensed Texas life insurance agent. Seek an experienced and knowledgeable professional with access to multiple insurers and a variety of life insurance options to choose from. Always shop around and compare.
Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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