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Live Oak County

Driving in Live Oak County

The roads of Live Oak County are home to an estimated 9,739 private and commercial vehicles. This figure represents approximately 0.04% of all vehicles registered in Texas.

Almost 81% of adult drivers in Live Oak County drive alone to work, and more than half of those commutes last more than 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, with nearly 2,000 uninsured vehicles in Live Oak County alone.

Auto Insurance Analysis:

  1. Almost 10,000 vehicles registered in Live Oak County need proper insurance coverage. Liability coverage is required for all vehicles on the road in order to protect others from the damage you may cause in the event of an accident. Depending on the type of vehicle and its intended use, the following insurance policies may be required: Private Auto, Farm Auto, Comprehensive Coverage, Farm Transportation, Inland Marine, and so on.

  2. Virtually all of Live Oak County's roads are in rural areas. Rural roads have less traffic and a lower risk of vehicular collision. Meanwhile, animals are more likely to get in the way of moving cars in rural areas. The majority of animal-related crashes in Texas occur twice a day, from 5-8 AM and again from 6 PM to midnight. The month with the highest possibility of colliding with a deer usually happens in November. This costs Texas motorists more than $1.3 billion per year, not including the value of lost animal lives. As a result, Live Oak County residents should consider Comprehensive Auto Coverage, which aids in the repair of damage caused by an animal collision.

  3. With 1 out of 5 drivers in Texas being uninsured, Uninsured Driver Coverage remains important. Uninsured and underinsured motorist coverage costs Texans nearly $900 million per year.

Contact a Texas-licensed Property & Casualty (P&C) insurance agent to discuss your auto insurance in Live Oak County.

Live Oak County Housing

Just like the majority of Texas, where the homes are mostly (≈62%) owner-occupied, Live Oak County’s 6,390 housing unit market is split between Homeowner-occupied (82%) and Renters (18%). The neighboring counties largely consist of homes occupied by owners as well, with Live Oak County leading followed by McMullen County with nearly 76% owner-occupied rate. On the other hand, Bee County offers the highest fraction (≈37%) of its housing for rent.

Approximately 1 in 10 housing units in Live Oak County experiences housing problems, overcrowding, issues with plumbing or the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Over 6,000 housing units in Live Oak County need insurance coverage. To protect the underlying financial investment from loss or damage, all owners of these properties should have the appropriate coverage: Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes).

  2. With over a thousand rental units in Live Oak County, landlords obtain Landlord Insurance to protect themselves from potential liability claims from tenants.

  3. Tenants purchase Renters Insurance to protect their belongings 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. Some Live Oak County landlords may require Renters insurance as a condition of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for consultation and advice on Homeowners, Renters, Condo, Flood, and other types of insurance in Live Oak County.

Live Oak County Health

Health insurance coverage rate in Live Oak County is worse than the state average and among its immediate neighbors. Around 22.4% of Live Oak County residents under 65 years old do not have proper health insurance coverage. Among the neighboring counties, Atascosa County is at par with Live Oak County, with over 22.2% uninsured adults. McMullen County has the lowest uninsured rate of 14%. 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%. In 2021, the average adult uninsured rate in Texas was around 20.7%.

More than 24% (nearly 1 in 4) of adults in Live Oak County report problems with health.

Nearly 24% of the Live Oak County population do not participate in physical exercise activities.

Around 24% of the Live Oak County residents are considered obese (with a BMI of 30 or more), which is lower than the Texas average of 31.4% and the lowest among its bordering counties. McMullen County reports the second-lowest – at 24% of the residents, while more than 40% of adults from San Patricio County and Atascosa County may be considered obese.

At least 2 health insurers in Live Oak County offer 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 more than 2 thousand residents of Live Oak County lack this necessity.

  2. Texas is one of the states that permits the sale of a variety of health insurance and supplemental products. This makes it easier for Texans to obtain coverage that meets their specific needs (both medically and financially): Marketplace ACA Health Insurance, various types of Short-Term Insurance (up to three years in coverage), Hospital Indemnity, Accident and Health Insurance, and so on.

  3. If health insurance is not purchased because it is too expensive, low-income consumers are generally advised to apply for government subsidies, which can significantly reduce the cost of insurance.

  4. If you do not have any pre-existing conditions, short-term insurance may be an option for you. (* After a year or more of coverage, some Texas multi-year short-term health insurance plans may cover certain pre-existing conditions.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional who has access to a wide range of health insurance options for Live Oak County residents.

A Texas health insurance agent analyzes your needs and restrictions, researches locally available plans that meet your needs, provides you with coverage options, and explains how the differences affect you once you begin using each insurance product. The agent assists you with the application process as well as any changes to the policy or shopping for replacement coverage.

Live Oak County Mortality and the End of Life Statistics

Average life expectancy for the residents of Live Oak County is around 80 years old, which is slightly higher than the Texas average of 79.2 and the highest among the neighboring counties. Atascosa County shows the second-highest life span among the neighboring counties at 78 years old, 2 years shorter compared to Live Oak County. The highest life expectancy in the state of Texas is seen in Presidio County at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.
In 2022, there were approximately 2,600 seniors (65 and older) residing in Live Oak County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not have any type of active life insurance policy.
  2. Life insurance premiums are calculated based on the insured's age at the start of the policy, among other factors. The younger you are when you purchase it, the less you will pay in premiums over the course of the policy.

Motor Vehicle Fatalities in Live Oak County

In Live Oak County, motor vehicle fatalities occur at a rate of 24.77 per 100,000 vehicles on the road, resulting in approximately 2 fatal crashes per year.
The Texas Department of Transportation (TxDoT) reported over 382 crashes in Live Oak County in 2020, with 5 deaths as a result. Alcohol has been determined to be the primary cause of fatal crashes in Live Oak County in more than 19% of all driving fatalities.

Final Expenses – Live Oak County Funeral Home Cost

Average funeral expenses in and around Live Oak County range from $4,000 to $9,000. The bordering counties are also within this range, with Jim Wells and Duval counties both averaging of $6,800, BeeCounty and San Patricio County at $5,400, and Atascosa County with a $6,600 funeral cost average. The Texas state average is around $6,200.
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 savings, Live Oak County senior residents may be putting an unnecessary and frequently unbearable financial burden on family and friends. Instead of focusing on their loss, the family must focus on finding a way to pay. (Note: If paying for funeral services with life insurance, most funeral homes require the policy to be "assignable.")
  2. Aside from burial expenses, the deceased 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 used life insurance policies to cover "final expenses" up to $50,000.
  4. The most common life insurance policies used to leave money to heirs are variations of Term Life Insurance and Cash Value Insurance, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expense.
    To learn more about life insurance options in Live Oak County, contact a knowledgeable, state-licensed, and experienced life insurance professional who has access to multiple insurers for comparison.