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Donley County

Driving in Donley County

There are approximately 2,596 vehicles in Donley County, Texas.

More than 80% of Donley County drivers commute to work every day, with one-fourth commuting for more than 30 minutes.

An estimated 20% of Texas drivers are uninsured, which can be over 500 uninsured automobiles in Donley County alone.

Auto Insurance Analysis:

  1. More than 2,500 autos registered in Donley County require insurance coverage. The required insurance coverage is determined by the use of the vehicle. Auto insurance coverage includes Private Auto, Commercial Auto, Auto Liability, Commercial Transportation, and Inland Marine.

  2. Driving without insurance is dangerous because the road is prone to accidents. If you are caught driving without insurance, you will be fined, your vehicle will be impounded, and your license will be suspended.

  3. Because of the high number of uninsured drivers in Texas, Uninsured Driver Coverage is becoming increasingly vital. Every year, Texas residents pay at least $900 million for uninsured and underinsured coverage.

For consultation and advice about auto insurance in Donley County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Donley County Housing

Like the rest of Texas, Donley County's approximately 2,165 housing units are a mix of owner-occupied homes and rental units, with around 7 owner-occupied homes for every 3 rental units. Donley County has more than 70% owner-occupied rate. The bordering counties are mostly made up of owner-occupied dwellings as well. Armstrong County leads the way with over 88% of homeowners living in their homes, followed by Collingsworth County with 75%. With a 34% owner-occupied rate, Hall County is the area's leading provider of rental homes.

13% of the housing units in Donley County are experiencing severe housing problems, due to high housing costs, issues with plumbing, and utilities.

Housing Insurance Analysis:

  1. Donley County has more than 2,000 dwelling units that require insurance coverage. These housing units require Homeowner and Condo Insurance, and/or Business property insurance (for apartment complexes), to protect their investment from damage/loss.

  2. With over 500 rental units in Donley County, property owners are encouraged to obtain Landlord Insurance, which protects both the property and the landlord from potential liability claims brought by renters.

  3. Renters Insurance should be purchased by tenants to protect their assets from damage or loss. Renters' insurance is usually inexpensive and protects the tenant's belongings from theft and damage caused by fire, smoke, water, and vandalism.

Discuss your Home insurance needs and options with a state-licensed Property & Casualty (P&C) insurance professional. A Texas P&C insurance agent analyzes your needs, researches viable options of coverage, explains the subtleties between the possible options, and assists you with the application process. The agent usually continues to be the client’s preferred link to the insurer, for the duration of the policy.

Donley County Health

Unlike the rest of Texas counties, Donley County has a lower-than-average number of uninsured residents. Approximately 21% of Donley County individuals under the age of 65 do not have health insurance which is equal to the Texas average. Collingsworth County has the highest uninsured rate among surrounding counties, at approximately 32%, followed by Hall (30%), Wheeler (26%), and Briscoe (24%) counties. Armstrong County, with 18% uninsured rate, is the neighbor with the lowest uninsured rate.

At least 2 health insurers in Donley County 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 in Donley County, about 530 residents do not have it.

  2. Texas permits a wide range of health insurance policies, making it easier for residents to receive coverage. There are various types of health insurance available, including ACA Marketplace Health Insurance, Short-Term Insurance, Hospital Indemnity, Accident and Health Insurance, and others.

  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. (After a year or more of continuous coverage, some Texas short-term health insurance policies may cover certain pre-existing diseases.)

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

Donley County Mortality and the End-of-Life Statistics

Donley County residents have a life expectancy of 72.8 years, which is lower than the Texas average of 79.2. It is also the county with the lowest life expectancy. Among the neighboring counties, Armstrong County has the highest life expectancy with almost 78.8 life expectancy rate. Next to Armstrong is Hall County with a 77 life expectancy.

In 2022, Donley County had a senior population of roughly 800 residents.

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 calculated based on the insured's age at the start of the policy. The younger you are when you get it, the less you will pay in premiums during the life of the insurance.

Motor Vehicle Fatalities in Donley County

In 2020, the Texas Department of Transportation (TXDoT), reported 82 crashes in Donley County, which resulted in 2 fatalities.

Final Expenses – Donley County Funeral Home Cost

The average funeral cost in Donley County is approximately $8,000. This is higher than the average funeral cost across Texas, of around $6,200. Out of the neighbors, Hall County and Armstrong County have similar funeral home costs as Donley County.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a simple burial can become a problem, putting an unwelcome and often hard-to-handle financial strain on family and friends. Rather than grieving, the family must concentrate on determining how to pay for the funeral.

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

  3. Term Life Insurance and Final Expense Insurance is 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 consultation and advice about life insurance in Donley County, contact a life insurance agent licensed in the state of Texas.