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Culberson County

Driving in Culberson County

An estimated 1,671 private and commercial vehicles call the roads of Culberson County their home. This figure represents roughly 0.01% of all vehicles registered in the entire state of Texas.

Almost 86% of drivers in Culberson County commute alone to work and nearly 1 in 6 of those commutes exceed 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, and over 300 vehicles in Culberson County alone could be uninsured.

Auto Insurance Analysis:

  1. Nearly 2,000 vehicles registered in Culberson County require some type of insurance coverage. Depending on the type of vehicle and its intended usage, necessary insurance may include Collision Coverage, Commercial Auto Coverage, Auto Liability Coverage, Comprehensive Coverage, Non-owner Car Insurance, Gap Coverage, and many others.

  2. 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 Culberson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Culberson County Housing

Similar to the Texas average, where the homes are mostly owner-occupied, Culberson County’s 1,199 housing units are divided into two portions: Homeowners (67%) and Renters (33%). The neighboring counties are also predominantly owner-occupied too. Jeff Davis County leads the way with over 82% owners, while Hudspeth County offers the second-highest portion of its housing units after Culberson County for rent (72% - owners, 28% - renters).

In Culberson County, more than 1 in 6 housing units faces significant housing issues as a result of high housing expenses, overcrowding, a lack of plumbing, or kitchen issues. Around 9% of residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Over 1,000 housing units in Culberson County need insurance coverage. At the very least, all owners of these properties should carry Homeowners, Condo Insurance, and/or Business property insurance (for apartment complexes), to safeguard the underlying financial investment against loss or damage.

  2. With almost 33% of housing units in Culberson County being rented, landlords are recommended to purchase Landlord Insurance, which covers the property as well as potential liability claims from renters.

  3. Tenants should purchase Renters Insurance to protect their valuables from any damage or loss. Renters' insurance is typically inexpensive and covers the tenant's property against theft and damage caused by fire, smoke, water, and vandalism. Certain Culberson County landlords may need renter's insurance as a condition of the lease.

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

A Texas P&C Insurance Agent:

  • examines your requirements and constraints,
  • researches the locally available options that meet your requirements,
  • provides you with the coverage options that are available,
  • discusses how the changes in the selections will influence you once you begin using each insurance product
  • helps you with the application procedure
  • does not affect your cost of insurance. (agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Culberson County Health

Although not the worst, when compared to its neighbors in terms of health insurance, around one out of every five adults in Culberson County does not have adequate health insurance coverage. Furthermore, about 15% of children in Culberson County do not have health insurance coverage. Hudspeth County has the highest adult uninsured rate among neighboring counties, at 32%. Reeves County, on the other hand, has the lowest adult uninsured rate, at 22%. Gaines County has the highest uninsured adult rate, at nearly 36%, while Loving County has the lowest, at 11.4%. The average adult uninsured rate in Texas was roughly 20.7 percent in 2022.

Culberson County has at least 1 in 3 people who report concerns connected to poor health. In numerical terms, that equates to approximately 390 individuals.

Physical inactivity is one of the factors that contribute to poor health considering 21% of Culberson County residents do not partake in it.

The county's obesity rate is 32% (defined as having a BMI of 30 or above), which is similar to the Texas average of 31%. When compared to neighboring counties, Culberson County has the second-highest obesity rate, with Hudspeth County having the highest at 38%.

There is at least 1 health insurer in Culberson County that offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most critical type of insurance, and approximately 400 residents of Culberson County do not have it.

  2. Texas is one of several states that permit the selling of a variety 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 low-income consumers are unable to obtain health insurance owing to financial constraints, they are recommended to apply for government subsidies, which can significantly reduce the cost of insurance.

  4. If you do not have any pre-existing medical conditions, Short term insurance may be a viable option for you to consider. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

For consultation and advice about health insurance in Culberson County contact a health insurance agent licensed in the state of Texas.

A Texas P&C Insurance Agent:

  • examines your requirements and constraints,
  • researches the locally available options that meet your requirements,
  • provides you with the coverage options that are available,
  • discusses how the changes in the selections will influence you once you begin using each insurance product
  • helps you with the application procedure
  • does not affect your cost of insurance. (agent’s service is usually paid by the insurer)
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Health Insurance in Texas

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Culberson County Mortality and the End of Life Statistics

Culberson County residents have a life expectancy of 81.4 years, which is close to the Texas average of 79.2 years. Culberson County has the third-highest rating in comparison to its neighboring counties, while Jeff Davis and Hudspeth County both have a comparable rating of roughly 84 years old, and Reeves County has the lowest rating at 78.3 years old.

In 2022, Culberson County had over 500 senior citizens (65 years and older).

Life Insurance Facts:

  1. In 2021, 48% of Americans were found to be without any form of an active life insurance policy.

  2. Bear in mind that life insurance premiums are greatly influenced by the insured's age at the time of application and acceptance of the policy. It is highly recommended to lock in the premium price from a young age since this can result in significant savings for the insured during the policy's duration.

Motor Vehicle Fatalities in Culberson County

Motor vehicle fatalities are uncommon in Culberson County, owing to the county's low car population.

The Texas Department of Transportation (TxDoT) reported over 133 collisions in Culberson County in 2020, with 3 fatalities as a result. Alcohol is considered to be the primary reason for around 13% of all driving fatalities in Culberson County.

Final Expenses – Culberson County Funeral Home Cost

In Culberson County, the average funeral costs roughly $5,800. This is less than the state's average funeral cost of approximately $6,200. Jeff Davis County has the highest average funeral home cost among the neighboring counties at $6,000, while Hudspeth County has the lowest at closer to $4,600. This basic funeral package often includes bathing, dressing, viewing, embalming, direct cremation, and a funeral ceremony.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, over two hundred Culberson County senior residents may be putting an unnecessary and frequently financially unbearable strain on family and friends. Rather than mourning their loss, the family must focus on resolving the financial situation. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Apart from burial expenses, the departed frequently leave behind taxes and other debts for the family to deal with.

  3. The most frequently purchased life insurance policies for "final expenses" coverage of up to $50,000 are: Term Life Insurance and Final Expense Insurance.

Speak with a licensed Texas insurance professional about, life insurance options in Culberson County Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

Speak with a licensed Texas insurance professional about life insurance options in Culberson County.

In most cases, the use of a Texas insurance agent does not result in increased charges to the insured party.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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