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Coleman County

Driving in Coleman County

A total of approximately 6,294 private and commercial automobiles registered in Coleman County utilize its roadways regularly. This number represents 0.03% of all registered vehicles in the state of Texas.

It is estimated that 86% of the daily commuters in Coleman County do so by themselves, and 1 out of 4 of these commuters spend 30 minutes behind the wheel for each trip.

With 20% of the vehicles in Texas uninsured, over 1,200 vehicles in Coleman County are possibly uninsured or underinsured.

Auto Insurance Analysis:

  1. More than 6 thousand vehicles registered in Coleman County need at least Auto Liability insurance coverage as it is required by Texas law. Non-owner Coverage, Comprehensive Auto, and Farm or Commercial Auto are only a few of the additional options that car owners can choose from, depending on what vehicles they own and how they utilize them.

  2. Most of the roads in Coleman County are rural, and these kinds of roads have less traffic and less potential for vehicular collision. However, 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, Coleman 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. According to a 2015 study, more than 50% of deer-vehicle collisions nationwide go unreported, which could suggest that half of the vehicles that are involved in these collisions do not have Comprehensive Coverage.

  4. Roughly 20% of vehicles in Texas do not have auto insurance, and this makes Uninsured Driver Coverage all the more important. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

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

Coleman County Housing

There are approximately 5,562 homes in Coleman County, which are split between Homeowner-occupied (75%) and Renters (25%). The Texas average for owner-occupied homes is significantly lower compared to Coleman County at 62%.

Among the neighbors, Callahan County has the highest percentage of homes inhabited by owners at 82%, and Coleman County comes in second, along with Concho County. Taylor County, on the other hand, has a 58% owner-occupied rate which means that almost every other housing property is listed as a rental.

Approximately 13% of homes in Coleman County experience various housing problems like overcrowding, substandard plumbing, or kitchen-related issues. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Over 5 thousand homes in Coleman 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. With more than 1 thousand housing properties in Coleman County listed for rent, landlords are advised to purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.

  3. Renters Insurance, which is quite inexpensive, 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 Coleman County require tenants to take out a Renters Insurance policy before signing the lease.

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 Coleman 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)

Coleman County Health

The average adult uninsured rate in Texas is 21%, and Coleman County has a higher percentage at 26%. In fact, Coleman County’s adult uninsured rate is the highest in its region. Concho County comes in second at 22%, while Callahan County has the lowest figure at 18%.

Statewide, Gaines County has the highest percentage at 36%, and on the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.

Approximately 22% (over 1,400) of Coleman County’s adult residents experience health problems, and 21% of them are considered obese (with a BMI of 30 or more) — which is significantly lower than the state average of 31%. These health issues are at least partially due to the fact that 1 out of 4 residents do not exercise regularly.

In the region, Callahan County has the highest obesity rate at 39%, followed by Brown County with 37%. Runnels County has the lowest figure at 19%.

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

Health Insurance Analysis:

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

  2. The sale of multiple types of health insurance and supplemental products is permitted in Texas, which makes the shopping process for the best coverage that fits your 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, Critical Illness, Accident & Health, etc.

  3. Health insurance can be quite costly, and this is possibly the main reason why a lot of individuals do not have this type of insurance. However, if they apply for government subsidies, they may be able to afford a policy.

  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 Coleman County.

Coleman County Mortality and the End of Life Statistics

Residents of Coleman County have an average life expectancy of 73.5 years old, which is a lot shorter than the state average of 79.2 years. In the region, Concho County has the longest life expectancy with an average of 80.8 years old, while Coleman County has the shortest, followed by McCulloch and Taylor counties both at 75.6 years.

Statewide, Presidio County has the highest average at 89 years, and Donley County has the lowest life expectancy rate at 73 years old.

In 2022, there were approximately 4,300 seniors (65 and older) living in Coleman County.

Life Insurance Facts:

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

  2. As the policyholder’s age goes up, the premium rate for their life insurance policy also does the same. This is why young adults are advised to take out a policy while they are still young and healthy.

  3. Roughly 1 out of 5 adults in Coleman County smoke, which increases 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. Whole Life Insurance also has a cash value component, meaning that after a stated period, the insured can use the funds to borrow against, for emergency expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in Coleman County

Motor vehicle fatalities in Coleman County occur at a rate of 18.73 per 100,000 vehicles on the road, averaging 1 to 2 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 131 crashes in Coleman County, leading to 3 fatalities. Around 24% of the fatal car crashes in Coleman County involved alcohol.

Final Expenses – Coleman County Funeral Home Cost

A traditional funeral in Coleman County could cost the family and friends of the departed an average of around $6,100, which is not too far from the state average of $6,200. Among the neighbors, Coleman County has the most expensive funeral cost average, followed by Taylor County at $5,800. Concho County has the lowest average at $4,700.

In the entire state of Texas, Polk County has the highest average funeral cost of $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 dying with less than $10,000 in assets, the deceased person’s family and friends may have to focus on coming up with the funds for the funeral instead of mourning their loss.

(Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  1. The deceased often leave unsettled debts and unpaid taxes for their family to deal with. Understandably, this adds to the family’s financial woes, given that they are already likely paying for the funeral.

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

  3. 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 Coleman County and help lighten the load for your family - reach out to a Texas-licensed experienced life insurance agent with access to multiple insurers. A knowledgeable agent can help you evaluate your needs and then offer you multiple solutions to fill them.

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