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Lavaca County

Driving in Lavaca County

Around 0.06% of all registered vehicles in Texas can be found in Lavaca County, and this percentage translates to approximately 15,955 cars that are utilized either for personal or commercial use.

Over 80% of the adult drivers in this county commute to work by themself, and approximately a third of those people are behind the wheel for around 30 minutes or more.

It is estimated that 20% of the drivers in Texas are uninsured, and more than 3,000 vehicles in Lavaca County alone could be uninsured.

Auto Insurance Analysis:

  1. Lavaca County has nearly 16 thousand registered vehicles, and they all need at least the minimum mandatory coverage. Collision Coverage, Farm Auto, Comprehensive Auto, and Farm Transportation are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them.

  2. At least Liability Coverage is required from every car owner in Texas. This would cover the costs for the repair of the other driver’s vehicle and/or hospital bills if you were proven to be at fault for the accident.

  3. Close to $900 million are spent by Texans annually on Uninsured and Underinsured Auto Coverage costs. Since 1 out of 5 drivers in the state hit the roads without any coverage, Uninsured Driver Coverage is gradually becoming more important.

  4. Most of the roads in Lavaca County are in rural areas, and rural roads have less traffic and less potential for vehicular collision. However, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Lavaca county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverage does not cover this type of incident.

  5. Many auto insurance carriers can bundle personal automobiles with farm trucks which could save the owner a considerable sum of money in premiums.

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

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Car Insurance in Texas

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Lavaca County Housing

Almost 75% of the 10,619 homes in Lavaca County are inhabited by the property owners themselves. This percentage is lower than the Texas average (62%) by a large margin. Among the peer counties, Colorado County has the highest homeowner-occupied rate at 82%, which means that only 2 out of 10 properties are listed for rent. Victoria County, on the other hand, has the lowest percentage at 66%.

Approximately 14% of the homes in Lavaca County experience various housing issues like overcrowding, substandard plumbing, or kitchen problems. In almost 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Almost 11 thousand homes in Lavaca 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 underlying financial investment from damage or even loss.

  2. With nearly 3 thousand housing units in Lavaca County listed for rent, landlords purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. Tenants, on the other hand, obtain Renters Insurance to protect their belongings from damage or loss. The price of this coverage is affordable, and it covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Lavaca County include Renters Insurance as a requirement of the lease.

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 Lavaca 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. (agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Lavaca County Health

Approximately 19% of Lavaca County residents under 65 years old (including children) do not have proper health insurance coverage — this percentage is better than the Texas average (≈21%) and the lowest figure in its area. Among its neighbors, Colorado County has the highest uninsured rate at 25%. As of 2021, the average uninsured rate in Texas was approximately 20.7%.

Roughly 1 out of 5 Lavaca County residents is experiencing health issues; this translates to over 3,000 people.

A third of Lavaca County’s population is physically inactive, which is probably a key reason why 40% of its residents are considered obese (with a BMI of 30 or more). This percentage is higher than the state average of 31%. In its region, Lavaca County has the highest obesity rate, while Fayette County has the lowest at 24%.

There is at least 1 health insurer in Lavaca County that offers affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most vital insurance coverage, but despite this fact, almost 3 thousand residents of Lavaca County lack proper coverage.

  2. The sale of multiple types of health insurance and supplemental products is permitted in Texas, which makes the shopping process for the best coverage that fits your 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. Low-income families who cannot afford health insurance coverage can apply for government subsidies which usually bring down or almost eliminate the out-of-pocket costs for the insured.

  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 Lavaca County.

A Texas Health 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. (agent’s service is paid by the insurer)
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Health Insurance in Texas

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Lavaca County Mortality and the End of Life Statistics

The average life expectancy in Lavaca County is 79.2 years old, which is exactly the same as the Texas average. Looking at its adjacent counties, Fayette County has the longest life expectancy at 79.4 years, which is pretty similar to Lavaca County’s figure. DeWitt County, on the other hand, has the shortest life expectancy at 76.1 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 approximately 4,806 seniors (65 and older) living in Lavaca County.

Life Insurance Facts:

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

  2. It is a misconception that young adults do not need life insurance. Getting a policy at a young age, while the potential policyholder is still healthy and unlikely to pass away, can save them a lot of money. Premiums for life insurance become more expensive as the insured gets older.

  3. Approximately 19% of Lavaca County residents smoke, and this habit will spike up the premiums of over 2 thousand residents. A smoker’s life insurance premiums can be up to four times more expensive than a non-smoker's, as their life expectancy is deemed shorter.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to cover insurance premiums, for emergency use, to borrow against, and even to use as tax-free income during the retirement years.

Motor Vehicle Fatalities in Lavaca County

Motor vehicle fatalities in Lavaca County occur at a rate of 32.31 per 100,000 vehicles on the road, averaging 5 to 6 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 227 crashes in Lavaca County, which caused 3 fatalities. Around 31% of the fatal car crashes in Lavaca County involved alcohol.

Final Expenses – Lavaca County Funeral Home Cost

A modest funeral service in Lavaca County will cost a family almost $4,000, which is the most affordable in its region. This figure is significantly less expensive than the Texas average of $6,200. Looking at the peer counties, Victoria County has the most expensive funeral cost at $7,000 and coming in at second place is Fayette County, with an average of $6,000.

In the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the cheapest 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 standard burial for more than 2 thousand Lavaca County residents could fall on the shoulders of the bereaved family and friends. Instead of mourning their loved one’s passing, they may have to focus on figuring out how to pay for the funeral.

  2. On top of burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.

  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 Lavaca 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.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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