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Hutchinson County

Driving in Hutchinson County

As of 2022, there were approximately 16,093 private and commercial vehicles registered in Hutchinson County, Texas. This figure accounts for 0.07% of all the vehicles in the state.

Roughly 83% of Hutchinson County drivers commute by themselves to work, and over 16% of them commute for over 30 minutes.

An estimated 20% of Texas drivers are uninsured, with possibly over 3,000 vehicles uninsured in Hutchinson County alone.

Auto Insurance Analysis:

  1. Over 16,000 automobiles registered in Hutchinson County need insurance coverage. The required insurance coverage is mostly based on the use of the vehicle. Private Auto, Commercial Auto, Commercial Transportation, and Inland Marine are some types of auto insurance coverage.

  2. Driving without Auto Liability Coverage is a crime as this is required by state law. If you are caught driving without this minimum auto insurance coverage, you will be fined. If you are a repeat offender, your vehicle may be seized, and your license may be suspended or revoked.

  3. Uninsured Driver Coverage is becoming more and more important because 20% of the drivers in Texas are uninsured. Residents of Texas spend almost $900 million every year on Uninsured and Underinsured Coverage.

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

Hutchinson County Housing

Hutchinson County has around 10,632 housing units, with homeowners occupying over 80% of these homes and renters making up 20% of the housing market. Across Texas, the average is closer to a 62/38 split. When compared to surrounding counties, Carson County has the highest homeownership percentage (81%). Potter County, with a homeownership rate of 55%, is the neighboring county with the lowest percentage — this means that almost every other housing property is a rental.

More than 10% of the housing units in Hutchinson County are experiencing housing issues due to overcrowding, issues with plumbing, or with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Over 10,000 housing units need insurance coverage in Hutchinson 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 over 2,000 rental units in Hutchinson County, and landlords usually have Landlord Insurance which protects the property itself from the tenant's claims.

  3. Tenants should purchase Renters Insurance to protect their valuables from 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 Hutchinson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Hutchinson County Health

Hutchinson County has a lower adult uninsurance rate compared to the state average (≈21%). Exactly 1 in 5 (or 20%) of the residents in Hutchinson County under the age of 65, including children, are uninsured. Hansford County has the highest uninsured rate, with almost 30% among surrounding counties, followed by Moore County, at 27%.

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 11.4%.

Over one-fifth of Hutchinson County’s residents are in poor health — this translates to over 3,000 people.

There are almost 7,000 residents in Hutchinson County that are physically inactive, with 29% of them being obese, which is less than the state average of 31%. Compared to the neighbors, Gray County has the highest obesity rate at 36%, while Roberts County has the lowest percentage at 21%.

At least 2 health insurers in Hutchinson 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 3,000 residents of Hutchinson 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 Marketplace Affordable Care Act (ACA) health insurance, several types of Short-term insurance, Hospital Indemnity, Accident & Health, and so on.

  3. If low-income consumers can 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. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

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

Hutchinson County Mortality and the End-of-Life Statistics

Hutchinson County residents have an average life expectancy of 75.3 years, which is lower than the Texas average of 79.2. Among the neighboring counties, Carson County has the highest life expectancy with a 78-year average. Next to Carson County are Hansford and Moore counties, with 77.8 years, and the county with the lowest life expectancy is Potter County, with 73.8 years.

In 2022, there were over 3,000 seniors (65 or older) in Hutchinson County.

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, among other factors. The younger you are when you get it, the more you save in premiums throughout the policy’s lifespan.

Motor Vehicle Fatalities in Hutchinson County

Motor vehicle fatalities occur at a rate of about 31.26 per 100,000 vehicles on the road in Hutchinson County. This amounts to an annual average of over 5 fatal collisions.

In 2020, Hutchinson County had 194 crashes, with a resultant 2 fatalities, according to the Texas Department of Transportation (TxDoT). Alcohol has been determined to be the primary cause of fatal crashes in Hutchinson County, which is over 26% of all driving fatalities.

Final Expenses - Hutchinson County Funeral Home Cost

The average price of a funeral in Hutchinson County is around $4,500 while the average across Texas is closer to $6,200. Among the neighbors, Gray County has the highest funeral home cost of $6,800, while Hutchinson County has the lowest.

In the entire state of Texas, Polk County has the highest average 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 dying with less than $10,000 in assets, the cost of a basic funeral can become a concern to residents in Hutchinson County, putting a 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 consultation and advice about life insurance options in Hutchinson County, contact an experienced life insurance agent licensed in the state of Texas who has access to multiple insurers for comparison. Using a knowledgeable insurance agent is the best way to get affordable insurance coverage.