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

Callahan County

Driving in Callahan County

There are an estimated 11,137 private and commercial automobiles registered in Callahan County. This estimation represents 0.05% of all automobiles registered in the entire state of Texas.
In Callahan County, over 84% of adult drivers travel alone to work, and 1 out of 3 of those commutes last for over 30 minutes.
It is estimated that 20% of Texas drivers are uninsured, with more than 2,000 automobiles in Callahan County alone possibly not having auto insurance.

Auto Insurance Analysis:

  1. There are about 11 thousand automobiles registered in Callahan County that are required to have insurance coverage. Depending on the type of vehicle and its use, the following insurance required may be: Private Auto, Farm Auto, Inland Marine, etc. Liability coverage is required for all vehicles on the road.

  2. Most of Callahan County roads are rural. Rural roads usually have less traffic and less potential of a vehicular collision. 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, Callahan County residents should consider Comprehensive Auto coverage, which helps in repairing the damage after hitting an animal.

  3. With 1 out 5 drivers uninsured in Texas, Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.
    To discuss your auto insurance in Callahan County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Callahan County Housing

Like the majority of Texas, where most homes are owner-occupied, Callahan County’s 6,872 housing unit market follows suit. The homes are split between Homeowner-occupied (82%) and Renters (18%). Most of the adjacent counties are also made up of owner-occupied homes as well, with Callahan County leading the group and Taylor County closing in last with just 59%. The state average split is closer to 62% Homeowners, and 38% Renters.

More than 1 in 10 housing units in Callahan County experiences housing problems, overcrowding, lack of plumbing, or issues with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Callahan County has nearly 7 thousand housing units that need insurance coverage. All owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from possible loss or damage.

  2. With around 1,000 rental units in Callahan County, landlords are advised to obtain Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants.

  3. To ensure their belongings’ safety and prevent possible damage or loss, tenants are recommended to obtain Renters Insurance coverage. Theft and damages caused by fire, smoke, water, and vandalism are covered by standard renters’ insurance. Some landlords in Anderson County may require Renters insurance as a condition of the lease.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Callahan County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Callahan County Health

A small percentage of people in Callahan County have no proper health insurance coverage (about 18%). This figure is lower than the Texas state average and any of its neighboring counties.

The highest adult uninsured rate among the neighboring counties is in Coleman County, at 26%, followed by Eastland County with 24%. The highest uninsured rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County, at just 11.4%. In 2021, the average adult uninsured rate in Texas was around 20.7%.

Nearly 20% (over 2,100) of adults in Callahan County report problems with health.

One factor that leads to poor health is the lack of physical exercise, and 27% of the residents of Callahan County do not participate in physical activities.

The obesity rate in Callahan County is nearly 40% (with a BMI of 30 or more), which is higher than the Texas average of 31%. When compared to its neighboring counties, Coleman County reports the lowest obesity rate with 21% of its residents, whereas Callahan County has the highest percentage, followed by Brown County with a 37% obesity rate.

At least 2 health insurers in Callahan 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 over 2,000 residents of Callahan County lack this necessity.

  2. Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. This makes it easier for Texans to obtain coverage that fits their specific needs (both medically and financially): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If health insurance is not being purchased due to unaffordability, low-income consumers are advised to apply for government subsidies, which can substantially lower the cost of insurance.

  4. If you do not have pre-existing conditions, Short-term insurance may provide an alternative saving path. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more 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 Callahan County.

A Texas health Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the locally available plans that fit your needs,
  • 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 of insurance. (agent’s service is paid by the insurer)

Callahan County Mortality and the End of Life Statistics

The average life expectancy for the residents of Callahan County is around 77.4 years old, which is lower than the Texas average of 79.2. Among the neighboring counties, Shackelford County records the longest average life span, with 82.3 years, while Coleman County has the lowest with 73.5 years. The highest life expectancy in the state of Texas is seen in Presidio County at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.

In 2022 there were about 3,000 seniors (65 and older) residing in Callahan County.

Life Insurance Facts:

  1. 47% of Americans in 2022 did not have any type of active life insurance policy.

  2. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy.

Motor Vehicle Fatalities in Callahan County

Motor vehicle fatalities in Callahan County statistically occur at a rate of 20.77 per 100,000 vehicles on the road: approximately 2-3 fatal crashes per year.

In 2020, Texas Department of Transportation (TxDoT) reported over 293 crashes in Callahan County, with a resultant 7 fatalities. Alcohol is determined as the main factor for the fatal crashes in Callahan County in over 11% of all driving fatalities.

Final Expenses – Callahan County Funeral Home Cost

Funeral expenses in and around Callahan County vary drastically. The average price of a funeral in Callahan County is reported to be over $5,500, which is lower than the state average (≈$6,200). Looking at the neighboring counties, Taylor County reports an average funeral cost of almost $5,800. Callahan County has the lowest figure within its area, while Shackelford has the most expensive funeral average at $6,700.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, Callahan County senior residents could be placing the unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate 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. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of.

  3. The most frequently 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 policies to leave money to the family are the variations of: Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

To find out more about life insurance options in Callahan County, speak with a knowledgeable Texas-licensed life insurance professional who has access to multiple insurers for comparison.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.