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Coke County

Driving in Coke County

An estimated 2,599 private and commercial vehicles are registered in Coke County. This figure represents about 0.01% of all automobiles registered in the entire state of Texas.

Nearly 82% of adult drivers in Coke County drive alone to work, with more than a third of those commutes lasting more than 30 minutes.

It is believed that 20% of Texas drivers are uninsured amounting to approximately 520 uninsured vehicles in Coke County alone.

Auto Insurance Analysis:

  1. There are over 2,500 vehicles registered in Coke County that need insurance coverage. The type of insurance depends on the type of vehicle and its use. The required insurance may be: Private Auto, Commercial Auto, Collision coverage Auto Liability, Commercial Transportation Inland Marine, etc.

  2. Coke County roads are primarily composed of rural roads. Rural roads have less traffic, which implies there is a lesser risk of a mishap. In rural areas, animals getting in the way of moving cars is more typical. According to data, deer collisions are most common in November. As a result, Coke County residents should consider Comprehensive Auto coverage, which helps with the repair of animal-related damage.

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

Contact a Texas-licensed Property & Casualty (P&C) insurance agent to discuss your auto insurance in Coke County.

Coke County Housing

Just like the majority of Texas, Coke County’s 2,767 housing units are mostly owner-occupied with a rate of around 74% to 26%. The adjacent counties are similarly predominantly made up of owner-occupied housing units, with Sterling County leading the way with an owner-occupied rate of about 86%. On the other hand, Tom Green has the lowest owner-occupied housing units rate of 63%, making a lot of units available as rentals.

Due to high housing costs, overcrowding, a lack of plumbing, or kitchen troubles, about 1 in every 9 housing units in Coke County is having housing problems.

Housing Insurance Analysis:

  1. About 2,800 housing units in the county need housing insurance coverage. At the very least, they should all carry Homeowners or Condo insurance to protect the property owners from either loss or damage.

  2. Approximately 700 housing units in Coke County are rentals; landlords are advised to obtain Landlord Insurance. This covers the property itself and from possible liability claims arising from the tenants.

  3. Tenants can also protect themselves through Renters Insurance, which is far less expensive than Homeowners Insurance. Property theft/loss, as well as damages caused by vandalism, smoke, sewer backup damage, water, or fire, are covered by renters insurance. It also serves to protect a renter from liability in the event that someone is injured on the property. There are some landlords who may require this type of insurance before signing the lease.

Speak to a Property & Casualty (P&C) insurance agent licensed in the state of Texas for consultation and guidance on Homeowners, Renters, Condo, Flood, and other forms of insurance in Coke County.

A Texas Property and Casualty insurance agent:

  • analyzes your needs and restrictions,
  • provides you with information about the various coverage options available in your location,
  • assists you with the application process

The use of a Texas insurance agent by a policyholder is usually free of charge.

Coke County Health

Coke County has one of the lowest rates (<19%) of health insurance-uninsured among its neighboring counties, with nearly 1 out of every 5 adults and 12% of all children in the county lacking this coverage. Nolan County, with a rate of almost 21%, has the highest adult uninsured rate among nearby counties. Tom Green has the lowest rate of adult uninsured residents, at 18%. Across Texas, an average adult uninsured rate in 2021 was roughly 20.7%, Gaines County had the highest number of uninsured adults at nearly 36%, while Loving County had the lowest, with 11.4%.

One in every five adults in Coke County has reported health problems.

24% of the Coke County population are physically inactive. Around 27% of the residents are considered obese (with a BMI of 30 and over); a much lower rate than the Texas’ average of 31.4%. Runnels County among its adjacent counties have reported the lowest rate with 19%, while almost 30% of adults in Tom Green County are considered obese.

There are at least 4 health insurers available in Coke County that 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 500 people in Coke County lack this necessity.

  2. Texas is one of the states that allows residents to purchase a variety of health insurance and supplemental products, making it easier for them to get coverage: ACA Marketplace health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, and so on.

  3. Health insurance could be expensive, that’s why low income consumers are advised to apply for government subsidies.

  4. If you do not have any pre-existing conditions, Short term insurance may be an option for you (After a year or more of coverage, certain pre-existing conditions may be insured under certain Texas multi-year short term health insurance plans).

Contact a health insurance agent licensed in the state of Texas for a consultation and information on health insurance in Coke County.

Coke County Mortality and the End of Life Statistics

Coke County residents have a life expectancy of 77.5 years, which is lower than the Texas average of 79.2 years. Among the neighboring counties, Tom Green County has the highest life expectancy of 77.8 years. While Nolan County has the lowest with 74.8. With 88.8 years, Presidio County has the highest life expectancy in Texas, while Donley County has the lowest with 72.8 years.

There were approximately 900 senior citizens residing in Coke County in 2022.

Life Insurance Facts:

  1. In 2021, 48% of Americans lacked any sort of active life insurance.

  2. The cost of life insurance is significantly influenced by the age of the insured at the time of application and acceptance. Locking in the premium price at a young age is strongly recommended because it can save the insured money over the duration of the policy.

Motor Vehicle Fatalities in Coke County

In Coke County, fatalities from motor vehicles occur at a rate of 43.42 per 100,000 cars on the road. This equates to at least one deadly collision each year.

In 2020, the Texas Department of Transportation (TxDoT) reported over 46 crashes, with a resultant 1 fatality in Coke County. Alcohol has been identified as the primary cause of fatal collisions in Coke County, accounting for more than 10% of all traffic deaths.

Final Expenses – Coke County Funeral Home Cost

The cost of a funeral in and around Coke County is approximately $6,000, compared with $6,200 average across the state. Comparatively, Polk County has the highest average funeral cost in the state, at about $11,000.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, over a hundred thousand Coke County seniors may be putting an unwanted and often unbearable financial strain on their family and friends. The family must focus on finding a method to pay rather than grieving their loss.

  2. Aside from the costs of burial, the deceased frequently leave behind taxes and other debts for the family to deal with.

  3. Term Life Insurance and Final Expense Insurance are the most often utilized life insurance policies for covering "final expenses" up to $50,000.

  4. The most common insurance products to leave money to the ones left behind are:

  • Term Life Insurance
  • Whole Life Insurance
  • Indexed Universal Life (IUL) Insurance

Discuss your life insurance coverage with a licensed Texas insurance professional agent in Coke County.

A life insurance agent in Texas:

  • examines your personal and financial requirements,
  • investigates the insurers who offer the finest solutions for your needs,
  • explains how the various options affect you and your beneficiaries,
  • aids you in the application procedure

The use of a Texas insurance agent is typically free of charge to the policyholder.