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Duval County

Driving in Duval County

There are at least 8,651 private and commercial vehicles in Duval County. That is about 0.04% of Texas’ total number of vehicles.

More than 73% of adult drivers in Duval County commute to work and over 27% of them commute for more than 30 minutes daily.

An estimated 20% of Texas drivers are not insured and about 1,730 vehicles in Duval County alone are uninsured.

Auto Insurance Analysis:

  1. There are over 8,600 registered automobiles that require insurance in Duval County. The sort of auto insurance it requires depends on the type of car, as well as its intended purpose. There are a variety of car insurance alternatives to consider, including Private Auto, Commercial Auto, Auto Liability, Commercial Inland Marine, which are types of vehicle insurance.

  2. Uninsured Driver Coverage is becoming increasingly crucial in Texas, where 1 out of every 5 drivers is uninsured. Uninsured and underinsured motorist coverage costs Texas residents roughly $900 million per year.

  3. A longer daily commute, which affects nearly 1,700 Duval County residents, raises the cost of auto insurance by increasing the amount of time a motorist spends on the road and, as a result, the likelihood of being involved in a car accident.

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

Duval County Housing

In 2022, there were 5,600 housing units in Duval County

Duval County’s homeownership rate is at 65% which is higher than the Texas homeownership rate of 61%. The other 35% of Duval’s housing units are for renters.

Among the neighboring counties, Live Oak County has the highest homeownership with almost 82%. For the highest number of renters, Brooks County leads with almost 39%.

Housing Insurance Analysis:

  1. Over 5,000 dwelling units require insurance in Duval County. Home and condo owners should at the very least have Homeowners or Condo Insurance, and/or Business Property/Commercial Property Insurance (for apartment complexes) to protect themselves against property loss or damage.

  2. With approximately 2,000 rental units in Duval County, owners of those properties are urged to purchase Landlord Insurance, which protects the property as well as the landlord from potential liability claims brought by renters.

  3. Tenants can protect themselves by purchasing Renters Insurance, which is substantially less expensive than homeowner's insurance because it only covers the renter’s property. Property theft/loss, vandalism, smoke, sewer backup damage, water, and fire are all covered by renters' insurance. It also protects a tenant from being held liable if someone is injured on the premises.

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.

Duval County Health

Duval County has an uninsured rate of 22% which is a percentage point higher than the Texas average rate of 21%. Webb County has the highest uninsured rate of 30% followed by Jim Wells, Live Oak, and Duval with them having 22% among the neighboring counties.

A lack of physical fitness is also a contributing cause to poor health in Duval County, where over 34% of residents do not engage in physical activity.

Only 1 health insurer in Duval County offers 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 Duval County, about 2,000 residents do not have it.

  2. Texas allows a variety of health insurance plans, making it easier for residents to obtain coverage. Marketplace ACA health insurance, Short-term Insurance, Hospital Indemnity, Accident & Health, and other types of health insurance are available.

  3. If health insurance is not obtained because it is too expensive, low-income consumers should apply for government subsidies, which can significantly 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 Duval County.

Duval County Mortality Rate and the End-of-Life Statistics

The average life expectancy of Duval County residents is 74.7 years, which is lower than the Texas average of 79.2 years. As for the neighboring counties, the highest life expectancy is in Webb County with 80.5 years and the lowest is in Brooks County with an average life expectancy of 74.7 same as Duval’s.

In 2022, Duval County had approximately 2,000 seniors (65 years and older) residents.

Life Insurance Facts:

  1. Premiums for life insurance are determined by the insured's age at the start of the policy. The younger you are when you purchase it, the more money you will save in premiums over the life of the policy.

  2. In 2021, 48% of Americans did not have life insurance.

Motor Vehicle Fatalities in Duval County

Motor vehicle fatalities in Duval County occur at a rate of 21.35 per 100,000 vehicles on the road. This is an average of 1.85 fatal collisions per year.

In 2020, the Texas Department of Transportation (TXDoT), reported 96 crashes in Duval County. Out of those, 96 crashes resulted in 1 fatality.

Final Expenses – Duval County Funeral Home Cost

The average funeral cost in Duval County is approximately $6,795. This is higher than the average funeral cost across Texas, of around $6,200. Out of the neighbors, Duval and Jim Wells County have the highest funeral home cost, while Webb County is at $5,245 - the lowest among the neighboring counties.

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.

  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 Duval County, contact a life insurance agent licensed in the state of Texas.