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Dickens County

Driving in Dickens County

There are at least 1,670 automobiles in Dickens County, Texas.

More than 69% of Dickens County drivers commute to work and one-third of them commute for over 30 minutes.

An estimated 20% of Texas drivers are uninsured, with possibly over 300 vehicles uninsured in Dickens County alone.

Auto Insurance Analysis:

  1. Over 1,600 automobiles registered in Dickens County need insurance coverage. The required insurance coverage is based on the use of the automobile. Private Auto, Commercial Auto, Auto Liability, Commercial Transportation, and Inland Marine are some types of auto insurance coverage.

  2. Driving without insurance is risky because the road is a high-accident zone. If you are caught driving without insurance, you will be fined, your vehicle may be seized, and your license may be suspended.

  3. Uninsured Driver Coverage is becoming more and more important because of the number of uninsured drivers in Texas. Residents of Texas spend at least $900 million every year on Uninsured and Underinsured Coverage.

To discuss your auto insurance in Dickens County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Dickens County Housing

Dickens County contains roughly 1,288 housing units, with homeowners occupying 77% of these units. While 23% are occupied by renters. It also has the greatest homeownership rate among its bordering counties. The majority of the bordering counties likewise have dwelling units occupied by homeowners. Stonewall County, with 75.52% homeownership, is the next highest.

A fifth of the housing units in Dickens County are experiencing severe housing problems due to housing problems, overcrowding, lack of plumbing, or issues with the kitchen.

Housing Insurance Analysis:

  1. More than 1,000 housing units require insurance coverage in Dickens County. Homeowner and Condo Insurance, and/or Business property insurance (for apartment complexes) are required for these housing units for the protection of their investment from damage/loss.

  2. There are almost 300 rental units in Dickens County and landlords usually have Landlord Insurance which protects the property itself as well as from the potential claims from the tenants.

  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.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Dickens County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Dickens County Health

78% of Dickens County's population is insured while roughly 22% of those under the age of 65 are uninsured. The county’s uninsured rate is just a percent higher than the state average of 21%. Floyd County has the highest uninsured percentage (25.9%) among surrounding counties, followed by Motley County, at around 23%. Kent County has the lowest uninsured rate in the area, at 14%. As of 2021, the average adult uninsured rate in Texas was around 20.7%.

Almost one-fourth of Dickens County’s residents are in poor health.

There are 395 residents in Dickens County that are physically inactive, with 18% of them being obese.

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

Health Insurance Analysis:

  1. The most important insurance coverage is Health Insurance and over 300 residents of Dickens County do not have this insurance.

  2. Texas is one of the states that allows different types of health insurance and additional supplemental plans to be sold. This makes it easier for Texans to choose the coverage that meets their unique needs. These coverages are Affordable Care Act (ACA) health insurance, several types of Short-term insurance, Hospital Indemnity, Accident & Health, and so on.

  3. If low-income consumers do not purchase health insurance because it is too expensive, they should apply for government subsidies, which can greatly reduce the cost of insurance.

  4. Short-term health insurance and the corresponding supplemental policies may give further savings if there are no pre-existing conditions.

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available in Dickens County.

Dickens County Mortality and the End-Of-Life Statistics

Dickens County residents have a life expectancy of 77.5 years, which is lower than the Texas average of 79.2. Among the neighboring counties, Garza County has the highest life expectancy with almost 79 life expectancy rate. Next to Garza County is Dickens County. The lowest life expectancy is in Crosby County with 75.

In 2022, over 23% of Dickens County’s residents were seniors.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have an active life insurance policy of any type.

  2. Life insurance premiums are based on the age of the insured when the policy begins. The younger you are when you get it, the more you save in premiums throughout the policy.

Motor Vehicle Fatalities in Dickens County

In 2020, the Texas Department of Transportation (TxDOT) reported 22 crashes in Dickens County, with a resultant 1 fatality.

Final Expenses - Dickens County Funeral Home Cost

The average price of a funeral in Dickens County is reported at almost $8,600, which is the highest cost in the surrounding area. Comparatively, the average across Texas is closer to $6,200. Among the neighbors, Crosby County reports the next highest average funeral cost of almost $5,900, while Garza County has the lowest funeral home cost of $4,670.

Life Insurance Analysis (continued):

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a basic burial can become a concern, putting an unwelcome and often unpleasant strain on family and friends. Rather than mourning their loss, the family must concentrate on determining how to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

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

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

  4. Variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance, are the most often utilized life insurance products to leave money to the family.

For a consultation and advice about life insurance options in Dickens County, contact a life insurance agent licensed in the state of Texas.