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Liberty County

Driving in Liberty County

Liberty County has approximately 74,233 vehicles registered for both commercial and private use. These registered automobiles account for more than 0.3% of all registered vehicles in Texas.

Every day, more than 85% of Liberty County drivers commute to work, with almost 3/4 of those commutes lasting more than 30 minutes.

More than 20% of Texas vehicles do not have any coverage, implying that nearly 15,000 Liberty County vehicles are possibly uninsured.

Car insurance is required in Texas as "proof of financial responsibility," and driving without it is illegal.

Auto Insurance Analysis:

  1. Liberty County has over 70,000 registered vehicles that require auto insurance. Private automobile insurance, commercial or farm automobile insurance, auto liability insurance, commercial inland marine insurance, and other forms of insurance may be required. Auto insurance may also be affected by the type of vehicle and its intended use.

  2. Longer daily commutes may result in higher auto insurance rates because they lengthen the time a driver spends behind the wheel. The longer a driver is behind the wheel, the more likely he or she is to be involved in a car accident. To summarize, the level of risk influences the cost of auto insurance.

  3. In Texas, where one out of every five drivers is uninsured or underinsured, uninsured driver coverage is becoming increasingly important. The cost of uninsured and underinsured motorist coverage in Texas exceeds $900 million per year.

Contact a Property & Casualty insurance agent who is licensed in Texas if you need advice and assistance with Liberty County auto insurance.

Liberty County Housing

The housing market in Liberty County, which has approximately 35,395 units, is divided between homeowners (76%) and renters (24%). The state average in Texas is closer to a 62/38 split. The surrounding counties are mostly owner-occupied homes as well, with Chambers County leading the way with nearly 83% homeownership. Harris County, on the other hand, is trailing behind with less than 55% owners residing in their own homes.

Almost 1 out of every 7 housing units in Liberty County suffers from overcrowding, a lack of plumbing, and/or poor kitchen conditions.

Housing Insurance Analysis:

  1. Over 35,000 housing units in Liberty County need some type of insurance coverage. All of these homes should be covered by homeowner's insurance to protect the owner's property from loss or damage (Homeowners or Condo). Apartment complexes and condo associations are covered by Commercial Property insurance.

  2. Landlord Insurance should be obtained by property owners in Liberty County, which has more than 8,000 rental units. Landlord insurance protects both the property and its owner from potential liabilities.

  3. Tenants typically purchase renters insurance to protect their belongings from potential damage or loss. The standard Renter's Insurance policy covers theft as well as damage caused by water, fire, smoke, and vandalism. Landlords may require renter's insurance as a condition of the lease.

Contact a Liberty County Property & Casualty insurance agent who is licensed in Texas for consultation and advice on Homeowners insurance or Renters insurance.

Liberty County Health

Despite the fact that Liberty County's health insurance rating is not the lowest among its neighboring counties, uninsured adults and children account for approximately 23% of the population. This figure is higher than the state average of 20.7% (in 2021). Harris County ranks first among neighboring counties in terms of residents without health insurance, with an uninsured rate of around 24%. Hardin and Chambers Counties, on the other hand, have the lowest percentage of uninsured residents, estimated to be around 16%. Gaines County has the highest uninsured adult rate in Texas, approaching 36%, while Loving County has the lowest, around 11%.

Almost 1/4 of adults in Liberty County have a health problem. Nearly one-third of the population is physically inactive, contributing to a 38% obesity rate, which is significantly higher than the Texas average of 32%. Jefferson County has the highest obesity rate of any peer county, at 42%. Montgomery County, on the other hand, is said to have the lowest obesity rate in the area, at 29%.

In Liberty County, at least 2 insurers offer affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. Roughly 19,000 Liberty County residents do not have health insurance, which is the most important type of insurance.

  2. Texas is one of the states that offers a wider range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-compliant Group and Individual marketplace health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.

  3. Because health insurance can be prohibitively expensive, particularly for low-income individuals, they should apply for government subsidies to significantly reduce the cost of insurance. If you do not have any pre-existing conditions, short-term insurance may be an option. (Keep in mind that after a full year of coverage, some multi-year short-term plans may cover specific pre-existing conditions.)

Contact a health insurance agent licensed in the state of Texas for consultation and advice on Liberty County health insurance.

Liberty County Mortality and the End of Life Statistics

The average life expectancy in Liberty County is estimated to be 74.1 years old, which is significantly lower than the Texas state average of 79.2 years old. Harris County appears to have the highest life expectancy among neighboring counties, at 79.9 years old, nearly 6 years longer than Liberty County, while Polk County appears to have the lowest, at 73.7 years old. Presidio County has the highest average life expectancy rate in the state, at 88.8 years. With an average of 72.8 years, Donley County has the lowest life expectancy.

In 2022, Liberty County had over 12,000 senior citizens (65 and older).

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have any type of active life insurance policy.

  2. Premiums for life insurance are calculated based on the insured's age at the start of the policy, so the younger you are when you buy it, the less you will have to pay in premiums over the policy period.

Motor Vehicle Fatalities in Liberty County

Approximately 23-24 fatal crashes occur on Liberty County roads each year, resulting in a fatal crash rate of 31.68 per 100,000 vehicles on the road.

According to the Texas Department of Transportation (TxDoT), Liberty County had 1,403 crashes in 2020, with 29 fatalities. Alcohol was responsible for almost 1 in 5 of all traffic fatalities.

Final Expenses - Liberty County Funeral Home Cost

Funeral costs in and around Liberty County vary greatly, while the average funeral cost is nearly $6,000, making it the second-lowest cost in the surrounding area. Among Liberty County's neighbors, Polk County has the highest average funeral cost of nearly $11,000, while Hardin County funeral homes can be found for almost half of this price - much closer to the state's average of $6,200.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that roughly 6,000 Liberty County senior citizens may be putting an additional burden on their family and friends with basic funeral expenses. Instead of grieving the loss of a loved one, the family must figure out how to pay.

  2. In addition to burial costs, the deceased may have left behind taxes and debts for the surviving family to deal with.

  3. The most common life insurance policies that cover "final expenses" up to $50,000 are term life insurance and final expense insurance.

  4. The most common life insurance policies that allow money to be left to family members are Term Life Insurance and Cash Value Life, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expenses.

Contact a Texas-licensed life insurance agent if you need life insurance consultation and advice in Liberty County.