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Midland County

Driving in Midland County

There are approximately 143,371 private and commercially-owned vehicles in Midland County, Texas.

Almost 84% of Midland County drivers commute to work and more than a fifth of them commute for over 30 minutes.

An estimated 20% of Texas drivers are uninsured, with possibly near 29,000 vehicles uninsured in Midland County alone.

Auto Insurance Analysis:

  1. Over 143,000 vehicles registered in Midland County need insurance coverage. The required insurance coverage is based on the use of the automobile. Private Auto, Commercial Auto, Commercial Transportation, and Inland Marine are some types of auto insurance coverage. Liability coverage is required for any vehicle on the road.

  2. Driving without insurance is risky because the road is a high-accident zone. If you are caught driving without insurance, you will be fined, your vehicle may be seized, and your license may be suspended.

  3. Uninsured Driver Coverage is becoming more and more important because of the number of uninsured drivers in Texas. Residents of Texas spend at least $900 million every year on Uninsured and Underinsured Coverage.

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

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Car Insurance in Texas

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Midland County Housing

Midland County contains roughly 66,788 housing units, with homeowners occupying almost 67% of these units, while the rest (33%) are occupied by renters. The average in Texas is closer to a 62/38 split. Compared to the neighboring counties, Andrews County has the greatest homeowner live-in rate of 74%. The neighboring county with the lowest homeownership rate is Glasscock County with 65% homeowners 35% landlords. The majority of the bordering counties likewise have dwelling units occupied by homeowners.

14% of the housing units in Midland County are experiencing housing issues due to overcrowding, lack of plumbing, or issues with the kitchen.

Housing Insurance Analysis:

  1. Almost 67 thousand housing units require insurance coverage in Midland 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 more than 22 thousand rental units in Midland County and landlords usually have Landlord Insurance which protects the property itself from the tenant's claims.

  3. Tenants 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 Midland County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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Midland County Health

Midland County has a higher insurance rate compared to the state of Texas. More than 1 in 5 of the residents in Midland County, under the age of 65 including children are uninsured. It also has the lowest uninsured rate among the neighboring counties. The county’s uninsured rate is 2% lower than the state average of 21%. Andrews County has the highest uninsured rate with almost 21% among surrounding counties, followed by Upton County, at 20.5%. As of 2021, the average adult uninsured rate in Texas was around 20.7%.

Almost one-fifth of Midland County’s residents are in poor health.

There are more than 44,000 residents in Midland County that are physically inactive, with over 34% of them obese. It’s more than the state average of 31.4%. Compared to the neighbors, Midland County also has the highest percentage while Upton County has only 23.9%.

At least 2 health insurers in Midland 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 30,000 residents of Midland 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 Affordable Care Act (ACA) health insurance, several types of Short-term insurance, Hospital Indemnity, Accident & Health, and so on.

  3. If low-income consumers do not purchase health insurance because it is too expensive, they should apply for government subsidies, which can greatly reduce the cost of insurance coverage.

  4. Short-term health insurance and the corresponding supplemental policies may give further savings if there are no pre-existing conditions.

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

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Health Insurance in Texas

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Midland County Mortality and the End of Life Statistics

Midland County residents have a life expectancy of 78.7 years, which is lower than the Texas average of 79.2. Among the neighboring counties, Reagan County has the highest life expectancy with 80.2 life expectancy rate. Next to Reagan County is Midland County. The county with the lowest life expectancy in the area is Martin County, with 73.5 years.

In 2022, over 19,000 seniors resided in Midland 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. The younger you are when you get it, the more you save in premiums throughout the policy.

Motor Vehicle Fatalities in Midland County

Motor vehicle fatalities occur at a rate of about 21.56 per 100,000 vehicles on the road in Midland County. This amounts to an annual average of nearly 31 fatal collisions.

In 2020, Midland County had 3,339 crashes, with a resultant 27 fatalities according to the Texas Department of Transportation (TxDOT). Alcohol has been determined to be the primary cause of 35% of fatal crashes in Midland County.

Final Expenses - Midland County Funeral Home Cost

The average price of a funeral in Midland County is reported at almost $6,700, which is the highest cost in the surrounding area. Comparatively, the average across Texas is closer to $6,200. Among the neighbors, Andrews County has the lowest funeral home cost of $4,300.

Life Insurance Analysis (continued):

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a basic burial can become a concern to over 8 thousand residents in Midland County, putting an unwelcome and often unpleasant strain on their 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 Midland County, contact a life insurance agent licensed in the state of Texas, who has access to multiple insurers and type of coverage. An insurance agent evaluates your needs and suggests options to solve them.

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

Life Insurance in Texas

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