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Garza County

Driving in Garza County

There are a total of over 23 million registered vehicles in Texas, and approximately 4,829 of them call the roads of Garza County their home. This figure represents 0.02% of all the registered automobiles in the state.

Roughly 8 out of 10 commuters who drive to and from their workplace on a daily basis, do so alone, and almost half of them need over 30 minutes to complete their trip.

With 20% of the vehicles in Texas uninsured, nearly 1,000 vehicles in Garza County are possibly uninsured or underinsured.

Auto Insurance Analysis:

  1. Close to 5 thousand vehicles registered in Garza County need at least Auto Liability insurance coverage as required by Texas law. Comprehensive Coverage, Non-Owner, and Farm or Commercial Auto are a few of the additional options that car owners can choose from, depending on what vehicles they own and how they utilize them.

  2. Farm and ranch owners can bundle their utility trucks and personal vehicles under one auto insurance policy to save some money.

  3. Roughly 20% of vehicles in Texas do not have auto insurance, and this makes Uninsured Driver Coverage all the more important. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

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

Garza County Housing

There are approximately 2,215 housing properties in Garza County, which is split between Homeowner-occupied (71%) and Renters (29%). Garza County’s owner-occupied rate is significantly higher than the Texas average of 62%.

Among the neighbors, Dickens County has the highest owner-occupied rate at 77%, closely followed by Borden County at 76%. Lubbock County has the lowest figure in the region, with 55% homeownership. This means that almost every other property is listed as a rental.

Approximately 5% of homes in Garza County experience various housing problems like overcrowding, substandard plumbing, or kitchen-related issues. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Over 2 thousand homes in Garza 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 properties from damage or even total loss.

  2. Landlords in Garza County are advised to purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.

  3. Renters Insurance, which is quite inexpensive, can protect the tenants’ belongings from damage or loss. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Garza County require Renters Insurance as part of the lease conditions.

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 Garza 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 (The agent’s service is usually paid by the insurer)

Garza County Health

Garza County has an uninsured adult rate of 24%, higher than the state average of 21%). Looking at the neighbors, Garza County’s figure is the highest in the area, while Borden County has the lowest adult uninsured rate at 12%.

The highest uninsured adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County, at just 11.4%.

Approximately 28% of Garza County residents report problems with their health. This is probably due to the fact that 1 out of 5 of the adult population smoke, 19% of the residents consume alcohol excessively, and 18% do not exercise regularly.

Lack of exercise is the main reason why 19% of Garza County’s adults are obese (with a BMI of 30 or more) — a figure that is much lower than the state average of 31%. However, the same cannot be said for Lubbock County, which also has a 31% obesity rate and is the highest in the region. Dickens County has the lowest figure at 18%, followed by Garza County.

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

Health Insurance Analysis:

  1. Over 1 thousand Garza County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. Texans can purchase multiple types of health insurance and supplemental products. This makes the shopping process for the best coverage that fits their 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. One of the main reasons why people do not have proper health insurance coverage is because it can be expensive. If this expense is beyond their means, low-income individuals can apply for government subsidies to reduce the total cost.

  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 Garza County.

Garza County Mortality and the End of Life Statistics

Garza County residents have an average life expectancy of 78.6 years, which is almost similar to the Texas average of 79.2 years. This figure is the highest in its area, while Crosby County has the lowest at 75.1 years.

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 less than 1,000 seniors (65 and older) living in Garza County.

Life Insurance Facts:

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

  2. A person’s age greatly affects their life insurance premium rates. The higher the age is, the higher the premiums on the policy are. This is the reason why young adults are advised to take out a life insurance policy while they are still young and healthy.

  3. Roughly 20% of adults in Garza County smoke, which spikes up their life insurance premiums by up to 4 times. A smoker is predicted to pass away at a younger age which makes them a risk for life insurance carriers.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to borrow against, for emergency expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in Garza County

In 2020, the Texas Department of Transportation (TxDoT) reported 129 crashes in Garza County, leading to 2 fatalities. Around 22% of the fatal car crashes in Garza County involved alcohol.

Final Expenses – Garza County Funeral Home Cost

The bereaved family of Texas residents who do not have life insurance coverage may have to spend more or less $6,200 for the funeral of their loved one. Garza County residents are expected to pay around $4,700 for an average funeral, which is less expensive.

In the region, Garza County has the most affordable funeral cost average, while Lubbock County has the most expensive at $6,100, followed by Crosby County at $5,900. In the entire state of Texas, Polk County has the highest funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.

Life Insurance Analysis:

  1. With 46% of Americans passing away with less than $10,000 in assets, the family and friends of the deceased may need to prioritize coming up with the money to pay for the funeral instead of grieving their loss.
    (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased frequently leaves debts and taxes that are unsettled. Understandably, this will add to the family’s problems.

  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 Garza 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.