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Montague County

Driving in Montague County

Montague County is home to an estimated 15,851 private and commercial vehicles, accounting for about 0.07% of all vehicles registered in Texas.

Nearly 84% of adult drivers in Montague County drive alone to work, and almost 2 out of 5 of those commutes last more than 30 minutes.

It is estimated that one out of every five Texas drivers is uninsured, which means that over 3,000 vehicles in Montague County could either be uninsured or underinsured.

Auto Insurance Analysis:

  1. Insurance is required for almost 16 thousand vehicles registered in Montague County. Private Auto, Commercial Auto, Comprehensive Coverage, Commercial or Farm Transportation, Inland Marine, and other types of insurance may be required depending on the type of vehicle and its use. Auto Liability Coverage s required by law in Texas, and driving without it is illegal.

  2. The amount of vehicles on the road keeps going up year after year, and with 1 out of 5 Texas drivers uninsured, UM/UIM overage remains a vital necessity, especially for financed vehicles. vital because. Texans spend nearly $900 million annually on uninsured and underinsured auto coverage.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for consultation and advice on auto insurance in Montague County.

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Car Insurance in Texas

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Montague County Housing

In 2022 Montague County had around 10,396 housing units which were split between homeowners (72%) and renters (28%). While the county’s housing market is homeowner-dominated just like the majority of Texas with an average 62/38 owners to renters split, when compared to its neighbors, Montague County offers the highest percentage of its residential real estate for rent. The surrounding counties are also mostly composed of owner-occupied homes, with Clay County leading the way with over 84% of homes inhabited by the owners themselves, followed by Jack County with around 81%. Coke County, with a 74% owner-occupancy rate, offers the next highest percentage of its estate to renters, next to Montague County. .

In approximately 15% of homes, housing expenses consume more than half of a household's income. According to the reports, overcrowding, issues with plumbing, or kitchen problems affect more than 12% of residential dwellings in Montague County.

Housing Insurance Analysis:

  1. There are more than 10 thousand homes in Montague County that need insurance. At the very least, they should all have Owner's Coverage to protect the property's owners from loss or damage and to guard the underlying financial investment against potential loss or damage: Homeowners, Condo, Mobile Home, etc.

  2. The landlords of about 3,000 rented units in Montague County obtain Landlord Insurance. This secures the property against potential liability claims made by its tenants.

  3. Renters Insurance could be acquired by tenants to guard their belongings against possible damage or loss. Renters' insurance is typically inexpensive and protects the tenant's property from theft and damage caused by fire, smoke, water, and vandalism. Some landlords in Montague County 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 about Homeowners, Renters, Condo, Flood, and other types of insurance in Montague County.

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Residential Insurance in Texas

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Montague County Health

Even though Montague County is not the worst regarding health insurance when compared to its neighbors, more than 1 out 5 adults in Montague County does not have proper health insurance coverage and over 14% of children are uninsured. Jack County (≈24.5%) has the highest adult uninsured rate among neighboring counties with nearly 1 out 4 adults not having proper health insurance coverage, while Coke and Clay Counties have the lowest percentage at closer to 19%.

Loving County has the lowest rate with 11.4% uninsured adult rate in Texas, while Gaines County has the highest, at nearly 36%. The average adult uninsured rate in Texas was around 20.7% in 2021.

Nearly 1 out of every 5 persons (or over 3 thousand adult residents) in Montague County is reporting health-related issues. Roughly 29% of Montague County residents do not engage in daily physical activity.

Approximately 34% of Montague County residents are obese (with a BMI of 30 or higher). This is higher than the Texas average (≈31%). Jack County has the lowest obesity rate among neighboring counties, with 25% of its residents being obese, while Clay and Montague Counties both have the highest obesity rate.

On and off the state marketplace, at least 1 health insurer in Montague County provides affordable and frequently subsidized ACA health insurance.

Health Insurance Analysis:

  1. Proper health insurance coverage is the most important insurance for any person and more than 3,000 Montague County residents lack it.

  2. Texas is one of the states that permit various health insurance and supplemental products to be sold, to make it easier for Texans to obtain coverage that meets their specific needs (both medically and financially): Group or Individual Marketplace ACA Health Insurance, Short-Term Insurance, Hospital Indemnity, Accident & Health, etc.

  3. If low-income consumers are unable to acquire health insurance due to financial constraints, they should apply for government subsidies, which can significantly lower insurance costs.

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

For consultation and advice about health insurance in Montague County, contact a health insurance agent licensed in the state of Texas. Get quotes from multiple insurers.

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Health Insurance in Texas

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Montague County Mortality and the End of Life Statistics

It is estimated that 74.4 years old is the average life expectancy in Montague County, which is lower than the Texas average of 79.2 years old. When compared to its neighboring counties, Montague has the lowest life expectancy and Coke County has the highest at 77.5 years old. Donley County has the lowest life expectancy in Texas, at 72.8 years, and Presidio County has the highest, at 88.8 years.

Montague County had approximately 4,500 senior residents (65 and older) in 2022.

Life Insurance Facts:

  1. Approximately 47% of Americans were recorded as not having any type of active life insurance policy in 2022.

  2. Note that the cost of life insurance is heavily influenced by the insured's age when they apply for and are accepted for the policy. Locking in the premium rate at a young age can save the insured some money over the course of the policy.

Motor Vehicle Fatalities in Montague County

In Montague County, motor vehicle deaths occur at a rate of 24.17 per 100,000 cars on the road. On average, this corresponds to 3-4 fatal crashes every year.

In 2020, the Texas Department of Transportation (TxDoT) reported 247 crashes in Montague County, with 4 fatalities confirmed. In Montague County, alcohol has been determined to be the primary cause of fatal crashes in about 39% of all driving fatalities.

Final Expenses - Montague County Funeral Home Costs

The cost of a funeral in Montague County varies greatly, with an average of around $9,000. This is higher than the Texas state's average of $6,200. Among its neighboring counties, Montague County has the highest and Jackson County has the lowest funeral expense costs of closer to $5,600.

Across the entire state of Texas, Polk County has the highest average funeral expense 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, around 2 thousand senior residents of Montague County may be putting an unnecessary and frequently unbearable financial burden of paying for the funeral expenses on their family and friends. Rather than focusing on their loss, the family must concentrate on finding a way to pay. (Note: When using life insurance to pay for funeral services, most funeral homes require the policy to be "assignable."

  2. In addition to burial costs, the deceased frequently leave unpaid taxes and other debts for the surviving family to deal with.

  3. Term Life and Final Expense (FE) are the most commonly used types of life insurance policies for covering "final expenses" of up to $50,000.

  4. Term life insurance and variations of Permanent life insurance, such as Indexed Universal Life (IUL) insurance, and Final Expense insurance, are the most common life insurance policies used to leave money to family members.

For consultation and advice about life insurance in Montague County, contact a knowledgeable life insurance agent who is licensed in the state of Texas and has access to multiple insurers and plan types - for comparison.

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

Life Insurance in Texas

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