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Nueces County

Driving in Nueces County

An estimated 286,134 private and commercial Vehicles call the roads of Nueces County their home.

More than 83% of adult drivers in Nueces County commute to work by themself, and nearly 1 in 5 of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which can be close to 57,000 vehicles in Nueces County alone.

Auto Insurance Analysis:

  1. There are over 286,000 registered automobiles that require insurance in Nueces County. The type of a vehicle, as well as its intended purpose, the sort of auto insurance it requires. There are a variety of car insurance alternatives to consider, including Private Auto, Commercial Auto, Auto Liability, Commercial Inland Marine, which are types of vehicle insurance.

  2. Uninsured Driver Coverage is becoming increasingly crucial in Texas, where 1 out of every 5 drivers is uninsured. Uninsured and underinsured motorist coverage costs Texas residents roughly $900 million per year.

  3. A longer daily commute, which affects over 40,000 Nueces County residents, raises the cost of auto insurance by increasing the amount of time a motorist spends on the road and, as a result, the likelihood of being involved in a car accident.

For consultation and advice about auto insurance in Nueces 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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Nueces County Housing

In 2022, there were approximately 153,388 housing units in Nueces County. In Nueces County, most of the housing units (58%) are owner-occupied, with the remainder (42%) being rented. The average in Texas is closer to a 62/38 split. Comparing Nueces County to its peer counties, Aransas County has the highest rate of homeownership with more than 80%, while Kleberg County has the lowest at under 53%.

Housing Insurance Analysis:

  1. Over 153,000 housing units in Nueces County need insurance coverage. At a minimum, all of them should have Homeowners or Condo insurance, to protect their investment from loss or damage.

  2. With over 64,000 housing units in Nueces County as rentals, landlords are advised to obtain Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants.

  3. Tenants commonly get Renters Insurance coverage to protect their belongings from possible damage or loss. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Nueces County may require Renters insurance as a condition of the lease.

  4. Because of its closeness to the Gulf of Mexico, Nueces County is one of the most likely areas to be impacted by a stray hurricane. In addition to being prepared, residents of Nueces County should understand how this risk affects their house insurance coverage.

For consultation and advice about Homeowners insurance or Renters insurance in Nueces 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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Nueces County Health

Nueces County’s uninsured rate of nearly 20% is a percentage point less than the Texas state average of 21%. Compared to the neighbors in the area: Aransas County has the highest uninsured rate of 24.9%. San Patricio County has the least number of residents without proper health insurance (18%).

Nueces County has nearly 24% of residents who experience poor health and one of the biggest causes of poor health in Nueces County is a lack of physical activity, with roughly 25% of residents failing to engage in regular exercise activities.

That lack of physical exercise is reflected in the obesity of 33% of Nueces County residents. In comparison to its neighboring counties, San Patricio County has the greatest percentage of obesity (40.7%), while Kleberg County has the lowest (33%). The state of Texas average is 31.4%.

At least 3 health insurers in Nueces 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 nearly 62,000 residents of Nueces County lack this necessity.

  2. Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. This makes it easier for Texans to obtain coverage that fits their specific needs (both medically and financially): Group or Individual ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If health insurance is not obtained due to cost, low-income individuals should apply for government subsidies, which can significantly reduce the cost of insurance.

  4. If you do not have any pre-existing problems, Short-Term insurance may be an option for you. (Note: After a year or more of coverage, some Texas multi-year short-term health insurance policies may cover certain pre-existing diseases.)

For consultation and advice about health insurance in Nueces County contact a health insurance agent licensed in the state of Texas.

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Health Insurance in Texas

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Nueces County Mortality and the End of Life Statistics

The average life expectancy of Nueces County residents is 78.4 years old, which is lower than the Texas state average of 79.2. It is the county with the highest life expectancy among the neighboring counties. Compared to the neighboring counties Kleberg County has the lowest average life expectancy in the area, at under75 years old.

In 2022, there were approximately 54,288 senior residents (65 and older) in Nueces County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have life insurance.

  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 over the course of the policy.

Motor Vehicle Fatalities in Nueces County

Motor vehicle fatality deaths in Nueces County statistically occur at a rate of 13 per 100,000 vehicles on the road, resulting in 37-38 fatal crashes.

In 2020, the Texas Department of Transportation (TxDoT) reported over 7,405 crashes in Nueces County, with a resultant 38 fatalities. In Nueces County, alcohol has been determined to be the primary cause of fatal crashes in more than 22% of all driving fatalities.

Final Expenses - Nueces County Funeral Home Costs

The average price of a funeral in Nueces County is around $6,000, which is lower than the state-average of around $6,200. Among the neighboring counties, Jim Wells County’s funeral home average is closer to $6,800 which is the highest among the neighbors followed by Kleberg County with $6,630. San Patricio County has the lowest funeral home cost at $5,400.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, almost 25,000 of Nueces County senior residents could be placing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of.

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

  4. The most commonly used life insurance policies to leave money to the family are the variations of Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

For consultation and advice about life insurance in Nueces County, contact a life insurance agent licensed in the state of Texas.

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

Life Insurance in Texas

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