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Navarro County

Driving in Navarro County

Navarro County has a total of 40,405 vehicles registered for commercial and private use. This number accounts for approximately 0.17% of all vehicles registered in the entire state of Texas.

Nearly 83% of adult drivers commute to work daily in Navarro County, with almost 1 in 3 of those commutes lasting for over 30 minutes.

Over 20% of vehicles in Texas do not have any kind of auto insurance coverage, which means that over 8,000 vehicles could possibly be uninsured in Navarro County.

Liability insurance is required for all vehicles on Texas roads. It covers others from the damage you may cause to them. Liability insurance covers two types of losses: property damage and bodily injury.

Auto Insurance Analysis:

  1. Over 40 thousand vehicles registered in Navarro County need some type of insurance coverage. Depending on the type of vehicle and its intended usage, the insurance required may include Comprehensive Auto, Collision Coverage, Gap Coverage, Non-Owner Car Insurance, Ride-Sharing Coverage, Private Auto, etc.

  2. Extended daily commutes can increase vehicle insurance rates because of the increased amount of time a driver spends on the road. This means the likelihood that they may be involved in a car accident is greater. To summarize, the amount of risk associated with a vehicle has an effect on the cost of insurance.

  3. With 1 out 5 drivers uninsured in Texas, Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

To discuss auto insurance in Navarro County, speak with a Texas-licensed Property & Casualty (P&C) insurance agent.

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Car Insurance in Texas

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There are an estimated 22,288 housing units in Navarro County, with more than half of them occupied by Homeowners rather than Renters. Nearly 69% of all housing units are occupied by homeowners, and over 31% are rented out by tenants. The majority of the housing units inTexas are also dominated by homeowner-occupied properties with a 62/38 split. The neighboring counties are also largely dominated by owner-occupied homes, with Freestone County topping the list with a homeownership percentage of over 77% and the rest of Navarro County neighbors having a homeownership rate of approximately 72-75%, except for Navarro County, which is reported to have the lowest percentage among its neighboring counties.

Navarro County has more than 1 in 6 housing units with housing difficulties such as overcrowding, a lack of plumbing, and/or substandard kitchen conditions. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Navarro County's over 22,000 housing units should be insured. To safeguard the owner's property against loss or damage, all housing units should be insured with a homeowner's policy (Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes)).

  2. With nearly 7,000 rental units in Navarro County, property owners must protect themselves with Landlord Insurance. This coverage safeguards the property and its owner from liability claims.

  3. Renters Insurance is generally purchased by tenants to cover their personal possessions against potential damage or loss. The regular Renter's Insurance insurance covers theft and damage caused by fire, smoke, and vandalism. Additionally, landlords may need renter's insurance as a lease requirement.

Contact a Property & Casualty insurance agent licensed in the state of Texas for consultation and advice on Homeowners insurance or Renters insurance in Navarro County.

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Residential Insurance in Texas

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In 2021, the average adult uninsured rate in Texas was around 20%. The average rate of insured residents in Navarro County is slightly lower than the state average. Almost 1 in 4 adults and nearly 12% of all children lack health insurance, and compared to the neighboring counties, Navarro County has the highest number of uninsured individuals. Henderson, Hill, and Limestone Counties, all share second place with 23%. Ellis County has the lowest uninsured adult rate in the area, at 19%. Gaines County has the highest number of uninsured adults in the state of Texas, at nearly 36%, while Loving County has the lowest rate, at only 11.4%.

23% of the Navarro County population does not engage in any form of physical activity.

Around 35% of Navarro County residents are classified as obese (BMI 30 or above), which is higher than the state average of 31.4%. Among the neighboring counties, Limestone County reports having the highest obesity rate at 42%, while Navarro County reports having the lowest obesity rate.

At least 2 health insurers in Navarro County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most critical sort of insurance, yet over 10,000 Navarro County residents lack proper coverage.

  2. Texas is one of the states in the US that offers a larger variety of health insurance and supplemental product options, which make Texas healthcare more accessible: ACA-compliant Group and Individual marketplace health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If low-income consumers are unable to obtain health insurance due to financial constraints, they are recommended 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 a viable option for saving. (* Some Texas multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage).

If you need consultation and information regarding health insurance in Navarro County, contact a Texas-licensed health insurance agent.

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Health Insurance in Texas

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Navarro County residents have an average life expectancy of roughly 75.6 years old, which is lower than the Texas state average of 79.2 years. Among the neighboring counties, Ellis County reports a longer life span of 78.6 years old, longer by 3 years compared to Navarro County. Presidio county has the longest average life expectancy in Texas, at 88.8 years, while Donley County has the shortest life expectancy, at 72.8 years.

Nearly 9,000 senior citizens (65 and older) resided in Navarro County in 2022.

Life Insurance Facts:

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

  2. Because life insurance premiums are calculated depending on the insured's age at the time of the policy's inception, acquiring it when you're younger will save you money in the long run.

Motor Vehicle Fatalities in Navarro County

In Navarro County, motor vehicle fatalities occur at a rate of 20.21 per 100,000 vehicles on the road and more than 8 fatal crashes per year.

In 2020 the Texas Department of Transportation (TxDoT) reported 1,208 collisions in Navarro County, resulting in 13 fatalities. On average, almost 1 out of 4 fatal crashes in Navarro County are attributed to alcohol.

Final Expenses - Navarro County Funeral Home Cost

Across Texas, the average traditional funeral costs between $5,000 to $12,000, including basic service fees, the coffin, embalming, transportation, viewing, and burial. The average funeral in Texas costs $6,200, whereas the typical funeral in Navarro county costs roughly $5,400. Among Navarro County's neighbors, Henderson County has the highest average funeral cost, of over $6,900, while Ellis County funeral homes have the lowest cost at around $5,000.

Life Insurance Analysis:

  1. Around 46% of Americans die with less than $10,000 in life savings, which implies that nearly 4,000 seniors in Navarro County may be unnecessarily burdening their family and friends with basic funeral costs. For instance, rather than lamenting the loss of a loved one, the family must find a way to pay for the funeral expenses.

  2. Apart from the burial costs, the deceased may have left behind taxes and debts for the family to deal with.

  3. The most frequently utilized life insurance policies that cover “final expenses” up to $50,000 are Term Life Insurance and Final Expense Insurance.

  4. The most commonly used life insurance policies that allow leaving money to the family are Term Life Insurance and Whole Life Insurance, especially Indexed Universal Life (IUL) Insurance and Final Expenses.

Speak with a licensed and knowledgeable Texas insurance professional about life insurance options in Navarro County.

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

Life Insurance in Texas

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