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Newton County

Driving in Newton County

There are approximately 23 million registered vehicles in Texas, and 0.04% of them can be found in Newton County — this translates to roughly 10,423 vehicles used either for personal or business purposes.

Roughly 85% of the adult drivers in the county commute daily on their own, and more than half of them take at least 30 minutes to complete a one-way trip to or from their place of work.

It is estimated that 1 out of 5 drivers in Texas are uninsured, and over 2,000 vehicles in Newton County alone could be uninsured or underinsured.

Auto Insurance Analysis:

  1. Newton County has over 10 thousand registered automobiles, and they could all use auto insurance coverage. Collision Coverage, Gap Coverage, Comprehensive Auto, and Farm Transportation are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them. Liability Coverage, on the other hand, is required by law.

  2. Uninsured Driver Coverage is becoming more important to Texas vehicle owners since 20% of its drivers don’t have auto insurance. Texans spend a total of almost $900 million every year on Uninsured and Underinsured Auto Coverage costs.

  3. Most of the roads in Newton County are rural, and these kinds of roads have less traffic and less potential for vehicular collision. Meanwhile, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Newton county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverage does not cover this type of incident.

  4. Farmers who own farm trucks aside from their personal cars can bundle the coverage for all of their vehicles to help save some money in terms of premiums.

To get auto insurance advice in Newton County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas. Many agents may have access to multiple insurers and they can help you evaluate your needs.

Newton County Housing

The 7,581 homes in Newton County are mostly inhabited by the owners themselves. In fact, 85% of these properties are owner-occupied, and this percentage is significantly higher than the Texas average (≈62%).

Looking at its neighbors, Sabine County has the highest owner-occupied rate at 88%, while Orange County has the lowest figure at 75%.

Approximately 6% of the homes in Newton County experience various housing issues like overcrowding, poor plumbing, or kitchen-related problems. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. More than 8 thousand homes in Newton County need insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) to protect the underlying financial investment from damage or even loss.

  2. With more than 1 thousand housing units in Newton County listed for rent, landlords purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. Tenants, on the other hand, obtain Renters Insurance to protect their belongings from damage or loss. The average cost of this coverage is usually quite affordable, and it covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Newton County include Renters Insurance as a requirement of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for advice and consultation about Homeowners, Renters, Flood, Condo, and other kinds of home insurance in Newton County.

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences in the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance (Agent’s service is usually paid by the insurer)

Newton County Health

It is estimated that 22% of Newton County residents do not have proper health insurance — a figure that is not too far from the statewide average of 21% (as of 2021). Among its neighboring counties, Newton County has the highest uninsured adult rate, while Orange County has the lowest at 17%. Jasper County has the second-lowest percentage at 18%.

In Texas, Gaines County has the highest figure for this demographic at 36%. On the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.

Around 1 out of 4 residents in Newton County reports problems regarding their health, and 22% of the county’s population does not exercise.

Because of physical inactivity, 35% of Newton County’s adults are considered obese (with a BMI of 30 or more). Looking at its neighbors, Orange County has the highest adult obesity rate at 46%, while Sabine County has the lowest figure at 27%.

There are at least 3 health insurers in Newton County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Over 2 thousand Newton County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. The sale of multiple types of health insurance and supplemental products is permitted in Texas, which makes the shopping process for the best coverage that fits your specific needs (both medically and financially) much easier. Texans can get coverage through Group or Individual Marketplace ACA Health Insurance, Various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Individuals who cannot afford health insurance can reach out to a health insurance agent who can help them apply for government subsidies. These can help lower or even eliminate the out-of-pocket costs regarding health insurance.

  4. Short-Term Insurance is another way to save money if you do not have any pre-existing conditions. (If you have had your policy for a year or more, pre-existing conditions may be covered by some Texas multi-year short-term health insurance.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Newton County.

Newton County Mortality and the End of Life Statistics

Newton County has the longest life expectancy in its region, with an average of 76.9 years old, which is just a couple of years shorter than the Texas average of 79.2 years. Coming in at a close second is Sabine County at 76.1 years old. Orange County has the shortest life expectancy at 74.3 years, followed by Jasper County at 74.9 years.

Statewide, Presidio County has the highest average at 89 years, and Donley County has the lowest life expectancy rate at 73 years old.

In 2022, there were approximately 2,800 seniors (65 and older) living in Newton County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not own any kind of life insurance coverage.

  2. Young adults falsely believe that life insurance is the least of their worries. However, should they decide to take out a policy while they are still young, they can save a considerable sum in terms of premiums. Life insurance premiums go up along with the policyholder’s age.

  3. More or less 24% of Newton County residents smoke, and this habit will spike up the premiums of nearly 2 thousand residents. A smoker’s life insurance premiums can be up to 4 times more expensive than a non-smoker's, as their life expectancy is deemed shorter unless they change their habits.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds as they wish.

Motor Vehicle Fatalities in Newton County

Motor vehicle fatalities in Newton County occur at a rate of 20.5 per 100,000 vehicles on the road, averaging 2 to 3 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 190 crashes in Newton County, which led to 7 fatalities. Around 27% of the fatal car crashes in Newton County involved alcohol.

Final Expenses – Newton County Funeral Home Cost

The average cost of a funeral in Texas is around $6,200, while families and friends in Newton County may have to spend $8,700 for the funeral of their loved ones, and this figure is among the most expensive in its region. The average funeral cost in Orange County is around $7,700, while Jasper County’s average is $5,900.

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 assets, the cost of a standard burial for nearly a thousand Newton County residents could fall on the shoulders of the deceased person’s friends and family. Instead of mourning their loved one’s passing, they may have to focus on figuring out how to pay for the funeral.

  2. On top of burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.

  4. There are different kinds of insurance policies that can help the bereaved family through financial assistance. Such life insurance policies can be Term Life Insurance and variations of Permanent Life Insurance: Whole, Indexed Universal Life, and others.

To get advice regarding life insurance in Newton County and help lighten the load for your family - reach out to a Texas-licensed experienced life insurance agent with access to multiple insurers. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.