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Bowie County

Driving in Bowie County

The roadways in Bowie County are home to an estimated 72,760 private and commercial automobiles. This figure represents roughly 0.3% of all vehicles registered in the state of Texas.

Over 88% of adult drivers in Bowie County drive alone to work, and just about a fifth of those commutes last longer than 30 minutes.

Statistically, 20% of Texas drivers are uninsured, which means that there can be over 14,000 uninsured or underinsured automobiles on the roads of Bowie County alone.

Auto Insurance Analysis:

  1. In Bowie County, there are over 70 thousand registered automobiles that require insurance. Private Auto, Commercial Auto, Auto Liability, Commercial Inland Marine, and other types of insurance may be required depending on the type of vehicle and its intended usage.

  2. The majority of Bowie county residents drive their own car, which increases the vehicle congestion on the road, and as a result - raises the chances of an accident. Premiums are frequently raised as a result of this.

  3. Longer commutes raise the cost of auto insurance because they increase the amount of time a motorist spends on the road and the likelihood of being involved in a car accident.

  4. Uninsured Driver Coverage is becoming increasingly critical in Texas, where 1 out of every 5 drivers is uninsured. Uninsured and underinsured motorist coverage costs Texans over $900 million per year.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for consultation and advice on auto insurance in Bowie County.

Bowie County Housing

Bowie County's 40,581 housing units are not evenly distributed, as is the case in most of Texas, where residences are largely owner-occupied. The proportion of homeowners (63%) is about double the total number of renters (37%) in the county. The adjacent counties are mostly made up of owner-occupied dwellings, with Cass County leading the way with almost 80% home ownership and less than 21% of housing for rent.

Due to excessive housing costs, overcrowding, a lack of plumbing, or kitchen troubles, more than 1 in every 6 homes in Bowie County is having serious housing problems.

Housing Insurance Analysis:

  1. Bowie County has over 40 thousand dwelling units that require insurance. At the very least, they should all carry homeowner's insurance to safeguard the property's owners against loss or damage.

  2. The landlords of approximately 15,000 rental units in Bowie County are urged to purchase Landlord Insurance, which protects the property as well as the landlord from potential liability claims brought by the renters.

  3. To protect their belongings from probable damage or loss, tenants are advised to purchase Renters Insurance coverage. Theft and damage caused by fire, smoke, water, and vandalism are commonly covered under standard renters' insurance policies. Renters insurance is often required by landlords in Bowie County.

For consultation advice on Homeowners or Renters insurance in Bowie County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Bowie County Health

Bowie County’s health insurance situation is much better than the average across Texas. Approximately 17% of adults and almost 9% of all children in Bowie County do not have health insurance coverage, compared with a 21% average for adults and over 11% for children across the state. Among the neighboring Texas counties, the highest adult uninsured rate is in Red River County, with 21%. Cass County, just like Bowie County, averages 17% adult uninsured. The highest uninsured adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County at around 11%.

One in every five adults in Bowie County has health problems. That is over 15,000 people.

About 36% of Bowie’s population are not active participants of any physical health activities, further increasing the chances of health problems in the county.

As a result, roughly 46% of county residents are considered obese (with a BMI of 30 or above). This places Bowie county among the counties with the highest obesity rates in Texas. Morris County, on the other hand, has the lowest obesity rate of the adjacent counties with only 33% of its population, which is still higher than the 31% state-average. Cass County falls in line with Bowie County at the 46% obesity rate.

On and off the state marketplace, there are at least 2 health insurers in Bowie County that provide affordable and frequently subsidized ACA health insurance.

Health Insurance Analysis:

  1. About 13,000 people in Bowie County don't have Health Insurance - the most important insurance coverage to have.

  2. Multiple types of health insurance and supplemental products are available in Texas, making it easier for residents to getcoverage: Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Texas also allows low-income consumers 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 way to save money.

To receive consultation and advice about the available health insurances in Bowie County, contact a licensed health insurance agent in Texas.

Bowie County Mortality and the End of Life Statistics

Life expectancy in Bowie County is 75.3 years old, which is significantly lower than the Texas average of 79.2. Among Bowie County’s neighbors, Cass County claims the longest life expectancy, at 75.5. The highest life expectancy in Texas is in Presidio County (88.8), while the lowest is in Donley County, at just 72.8 years old.

There were approximately 16,000 seniors (65 and older) residing in Bowie County, as of 2022.

Life Insurance Facts:

  1. 48% of all Americans did not have an active life insurance policy in 2021.

  2. The age of the person insured when the policy begins is the basis of the Life insurance premiums. The younger you are when you get it, the more you save throughout the policy.

Motor Vehicle Fatalities in Bowie County

In Bowie County, motor vehicle fatality deaths statistically occur at a rate of 14.08 per 100,000 vehicles on the road. This translates to at least 10 fatal crashes annually.

In 2020, Bowie County reported a total of 2,011 crashes, with 19 fatalities as a result.

Alcohol is reported as the main contributing factor for over 23% of all driving fatalities in Bowie County.

Final Expenses – Bowie County Funeral Home Cost

Funeral expenses within and around Bowie County differ drastically. The average price of a funeral in Bowie County costs about $6,700. Among the neighbors, Collin county reports the highest average funeral cost of $10,000, while Ellis County funeral home services may be found for nearly half of this price (under $5,100).

Life Insurance Analysis:

  1. Unfortunately, roughly 46% of Americans die with less than $10,000 in their savings account. Basic funeral expenditures can be a painful strain on both family and friends, thus making it a major concern. Instead of grieving for the loss, they must find a means to compensate for it.

  2. Aside from the burial costs, the deceased often leave the family to take care of taxes and other debt left.

  3. Term Life Insurance and Final Expense Insurance are the commonly used life insurance policies to cover “final expenses” up to $50,000.

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

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