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

Carson County

Driving in Carson County

Around 4,565 personal and business vehicles are registered in Carson County, which accounts for approximately 0.02% of all the automobiles registered in Texas.

Roughly 79% of adult drivers in Carson County commute by themselves to and from work, five days a week. It is estimated that more than half of these drivers are behind the wheel for more than 30 minutes.

With 20% of Texas vehicles uninsured, nearly 1,000 vehicles in Carson County are possibly uninsured or underinsured.

Auto Insurance Analysis:

  1. More than 4 thousand automobiles registered in Carson County need at least Auto Liability insurance coverage as required by Texas law. Gap, Comprehensive Coverage, Non-Owner Coverage, and Farm or Commercial Auto are a few of the additional options that car owners can choose from, depending on what vehicles they own and how they utilize them.

  2. Virtually all of Carson County is rural, and roads in rural areas have less traffic and less potential for vehicular collisions. However, rural areas are more prone to Animal-Vehicle Collisions (AVCs). 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, Carson county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverage does not cover this type of incident.

  3. Farm and ranch owners are generally advised to bundle the auto insurance of their trucks and personal vehicles to save money. Some auto insurance carriers may even cover the livestock or farm products being hauled by the trucks.

  4. Roughly 1 out of 5 vehicles in Texas do not have auto insurance, and this makes Uninsured Driver Coverage all the more important. Texans spend almost $900 million annually on Uninsured and Underinsured Auto Coverage costs.

To get auto insurance advice in Carson County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Carson County Housing

Carson County has an estimated 2,785 housing properties in its housing market which are mostly occupied by their respective owners (≈81%), which is a lot higher than the state average of 62%. But despite the figure, Carson County’s owner-occupied rate is only the second-highest in its region.

Among the neighboring counties, Armstrong County has the highest owner-occupied rate at 88% — this means that roughly 1 out of 10 homes in Armstrong County are for rent. Potter County, on the other hand, has the lowest figure in the region at 55%, making it a tenant-friendly county.

4% of homes in Carson County experience various housing problems, overcrowding, substandard plumbing, or kitchen-related issues, which is the lowest in the state of Texas. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Well over 2 thousand residential dwellings in Carson County need insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) to protect the properties from damage or even total loss.

  2. Landlords in Carson County are generally advised to purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.

  3. Tenants take out Renters Insurance, which is usually affordable and can protect the tenants’ belongings from damage or loss. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Carson County require Renters Insurance as part of the lease conditions.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for advice and consultation about Homeowners, Renters, Flood, Condo, and other kinds of home insurance in Carson County.

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences in the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance (The agent’s service is usually paid by the insurer)

Carson County Health

Approximately 15% of the adult population (under 65) in Carson County do not have proper health insurance coverage. This percentage is significantly lower than the state average of 21% and is the second-lowest in its region.

Randall County has the lowest uninsured adult rate in the area with 13%, while at the top of the list is Moore County with 27%, followed by Potter County at 25%.

In Texas, Gaines County has the highest figure for this demographic at 36%. On the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.

About 15% of Carson County residents report health problems. This is probably due to the fact that 16% of the adults smoke, 22% consume alcohol excessively, and over 1 out of 5 of them do not exercise regularly.

The lack of exercise is one of the main reasons why 27% of the adult population in Carson County are considered obese (with a BMI of 30 or more) — this rate is much lower than the state average of 31%. In the region, Gray County has the highest figure at 36%, while Roberts County has the lowest at 19%.

At least 2 health insurers in Carson County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Less than a thousand Carson County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. Texans can purchase multiple types of health insurance and supplemental products. This makes the shopping process for the best coverage that fits their specific needs (both medically and financially) much easier. Texans can get coverage through Group or Individual Marketplace ACA Health Insurance, Various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. It shouldn’t be a surprise that low-income individuals are not too eager to take out a health insurance policy as the price could be out of their budget. This is why they are advised to apply for government subsidies to significantly reduce the out-of-pocket costs of insurance.

  4. Short-Term Insurance is another way to save money if you do not have any pre-existing conditions. (If you have had your policy for a year or more, pre-existing conditions may be covered by some Texas multi-year short-term health insurance.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Carson 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, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process, and at any time, you need to make a change to the policy or shop for replacement coverage.

Carson County Mortality and the End of Life Statistics

The average life expectancy in the entire state of Texas is around 79.2 years old, while Carson County has an average of 78.5. Among the neighboring counties, Carson County’s average is the second-highest, and Randall County tops this category at 79.2 years old. Donley County has the lowest life expectancy in the area at 72.8 years, and this figure is actually the lowest in the entire state. Presidio County has the highest average in Texas at 89 years.

In 2022, there were less than 1,200 seniors (65 and older) living in Carson County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not own any kind of life insurance coverage.

  2. Age is a significant factor in determining the life insurance premium rates of a policyholder. As the age goes up, so does the cost of insurance. That’s why it is generally advised to take out a policy as early as possible to save a considerable sum in the long run.

  3. Roughly 18% of adults in Carson County smoke, which spikes up their life insurance premiums by up to 4 times. A smoker is predicted to pass away at a younger age which makes them a risk for life insurance carriers.

  4. Permanent Life Insurance also has a cash value component allowing the insured to use its benefits while still alive: to borrow against, for emergency expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in Carson County

In 2020, the Texas Department of Transportation (TxDoT) reported 161 crashes in Carson County, leading to 10 fatalities.

Final Expenses – Carson County Funeral Home Cost

In Texas, a traditional funeral may cost the deceased’s family and friends around $6,200, and Carson County is not too far from this figure, at $6,800. Among the neighbors, Armstrong County has the most expensive average at $8,000, while Randall County has the least expensive, with $5,300.

Across the entire state of Texas, Polk County has the highest funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.

Life Insurance Analysis:

  1. With 46% of Americans passing away with less than $10,000 in assets, Carson County senior residents could be placing an unnecessary and frequently unbearable financial burden on their family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay for the final expenses. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased frequently leave unsettled debts and taxes, which may further complicate the family’s financial situation.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.

  4. There are different kinds of insurance policies that can help the bereaved family through financial assistance. Such life insurance policies can be Term Life Insurance and variations of Permanent Life Insurance: Whole, Indexed Universal Life, and others.

To get advice regarding life insurance in Carson County and help lighten the load for your family - reach out to an experienced Texas-licensed life insurance agent with access to multiple insurers. A knowledgeable insurance professional can help you evaluate your needs and then offer you multiple solutions to fill them.