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

Comanche County

Driving in Comanche County

Comanche County’s busy roads are home to approximately 10,875 personal and commercial vehicles, and this number accounts for 0.05% of all registered automobiles in Texas.

Roughly 4 out of 5 adult drivers in this county commute to work on a daily basis on their own, and approximately 27% of those individuals are behind the wheel for around 30 minutes or more during those commutes.

It is estimated that 20% of the drivers in Texas are uninsured, and over 2,000 vehicles in Comanche County alone may not have any kind of auto insurance coverage.

Auto Insurance Analysis:

  1. Comanche County has nearly 11 thousand registered automobiles, and they all need auto insurance coverage. Non-Owner Car Insurance, Inland Marine Insurance, Comprehensive Auto, and Farm Transportation are only a few of the options that vehicle owners can choose from depending on what kind of automobiles they own and how they utilize them.

  2. Comanche County mostly has rural roads, 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 vehicles. 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, Comanche 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. Farmers in Comanche County can bundle the auto insurance coverage for their farm trucks and personal vehicles to save money in premiums.

  4. At least Liability Coverage is required from every vehicle owner in Texas. This would cover the costs for the repair of the other driver’s vehicle and/or hospital bills if you were proven to be at fault for the accident.

  5. Uninsured Driver Coverage is increasingly becoming essential to Texas drivers since 20% of the drivers in the state don’t have auto insurance. Texans spend a total of almost $900 million annually on Uninsured and Underinsured Auto Coverage costs.

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

Comanche County Housing

Comanche County has over 7,500 properties in its housing market, and 80% of these homes are inhabited by the owners themselves. This percentage is significantly higher than the majority of Texas, where 62% of homes are owner-occupied.

The counties surrounding Comanche County are all dominated by owner-occupied properties, and Mills County has the highest percentage at 85%, meaning renters may have to go through almost 10 properties in Mills County before finding a house that is listed for rent. Erath County, on the other hand, has the lowest owner-occupied rate at 63%.

Approximately 1 out of 7 homes in Comanche County experiences problems like overcrowding, substandard plumbing, or kitchen problems. In almost 15% of homes, residents spend half of their income on housing expenses.

Housing Insurance Analysis:

  1. Almost 8 thousand homes in Comanche 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 underlying financial investment from damage or even loss.

  2. With less than 2 thousand housing units in Comanche County listed for rent, landlords purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. Renters Insurance can protect tenants’ belongings from damage or loss. This coverage is affordable, and it covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Comanche County require Renters Insurance 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 Comanche 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 (Agent’s service is usually paid by the insurer)

Comanche County Health

Approximately 24% of Comanche County residents do not have proper health insurance coverage, and this figure is not too far from the state average (≈21%). Comparing the surrounding counties, Mills County has the highest percentage of uninsured individuals at 27%, while Brown County has the lowest figure at 20%.

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

Approximately 22% of the adults in Comanche County report health problems. This percentage translates to over 2,300 residents.

Around 24.5% of the Comanche County population are physically inactive, which is probably the reason why 24.2% of the residents are considered obese (with a BMI of 30 or more). The figures are almost similar, and it’s not a surprise.

Looking at the counties in the area, Brown County has the highest obesity rate at 37%, followed by Erath County at 34%. Comanche County has the lowest obesity rate in the region.

There are at least 2 health insurers in Comanche 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 vital insurance coverage, but despite this fact, well over 2 thousand residents of Comanche County lack proper coverage.

  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, Accident & Health, etc.

  3. Low-income families who cannot afford health insurance coverage can apply for government subsidies which usually bring down the total out-of-pocket costs of insurance for the insured.

  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 Comanche County.

A Texas Health 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 (Agent’s service is paid by the insurer)

Comanche County Mortality and the End of Life Statistics

Comanche County’s average life expectancy is 76.7 years old, which is shorter than the Texas average of 79.2 years. Among the neighboring counties, Erath County is at par with the state average (79.0), which is the highest average in the region. Hamilton County has the shortest figure at 75 years old.

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 3,400 seniors (65 and older) living in Comanche County.

Life Insurance Facts:

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

  2. Securing a life insurance policy at a young age can save the insured a considerable sum of money in premiums. The younger the policyholder is, the lower the premium rates.

  3. Approximately 19% of Comanche County residents smoke, and this habit will spike up the premiums of well over 1 thousand residents. A smoker’s life insurance premiums can be up to four times more expensive than a non-smoker's, as their life expectancy is deemed shorter unless they change their habits.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to cover insurance premiums, for emergency use, to borrow against, and even to use as tax-free income during the retirement years.

Motor Vehicle Fatalities in Comanche County

Motor vehicle fatalities in Comanche County occur at a rate of 41.13 per 100,000 vehicles on the road, averaging 4 to 5 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 218 crashes in Comanche County, which led to 4 deaths. Around 3% of the fatal car crashes in Comanche County involved alcohol.

Final Expenses – Comanche County Funeral Home Cost

The average funeral in Texas usually costs around $6,200, but residents of Comanche County don’t have to spend as much as the average funeral cost in their county is approximately $5,700. Looking at their neighbors, Hamilton County seems to have the most affordable average at $4,000, while Brown County has the most expensive at $6,100.

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

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a standard burial for nearly 2 thousand Comanche County residents could fall on the shoulders of the deceased person’s friends and family. Instead of mourning their loved one’s passing, they may have to focus on figuring out how to pay for the funeral.

  2. On top of burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.

  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 Comanche County and help lighten the load for your family - reach out to a Texas-licensed experienced life insurance agent with access to multiple insurers. Such an 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.