Presidio County
Driving in Presidio County
There are approximately 4,985 personal and commercial automobiles in Presidio County. All the vehicles in the county account for around 0.02% of the total motor vehicles in the state of Texas.
Carpooling is somewhat popular in Presidio County since more than 52% of the total adult drivers travel to and from work by themselves, which is the lowest rate across Texas. Around 10% of those commutes last for more than half an hour.
In the state of Texas, roughly 1 in 5 drivers are uninsured and almost 1,000 drivers in Presidio County alone could be uninsured.
Auto Insurance Analysis:
Nearly 5 thousand vehicles registered in Presidio County need insurance coverage. Depending on the type of automobile and usage, the available options for insurance coverage are as follows: Commercial or Farm Auto, Private Auto, Inland Marine, Commercial or Farm Transportation, Ride-Sharing Coverage, etc.
Liability Coverage is a requirement by Texas law for all vehicles. This coverage can protect other vehicles from any damage you may cause during an accident.
Uninsured Driver Coverage is becoming increasingly important with 1 in 5 drivers in Texas being uninsured. Texans spend almost $900 million per year to pay for Uninsured and Underinsured Auto Coverage.
To receive knowledgeable advice about auto insurance in Presidio County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Presidio County Housing
Presidio County is similar to the majority of Texas, where homes are mostly occupied by the owners. With over 4,000 housing units in Presidio County, nearly 58% are Homeowner-occupied, the same as Brewster County. Within its nearby counties, Jeff Davis County reports the highest rate of homes inhabited by the owners, with 82% versus 18% for Renters. The average homeowner rate in the state of Texas is at 62%.
Approximately 1 in 9 housing units in Presidio County are experiencing different types of housing problems, like plumbing issues, overcrowding, or kitchen trouble. Residents spend more than half of their income on housing alone.
Housing Insurance Analysis:
Over 4 thousand Presidio County housing units need insurance coverage. To safeguard the underlying financial investment from damage or loss, all housing units should have the following at a minimum: Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes).
Nearly 1,700 housing units in Presidio County are listed as rentals. With this, landlords acquire Landlord Insurance, to cover the property from possible liability claims from the tenants.
Renters Insurance is obtained by the tenants to safeguard their belongings from damages or even loss. The average cost of renter’s insurance is affordable and usually covers the tenant’s property from theft and damages caused by fire, smoke, water, and vandalism. Renters' insurance may be required by some landlords as part of the lease condition in Presidio County.
For inquiries and other information about Homeowners, Renters, Condo, Flood, and different types of insurance in Presidio County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
A Texas P&C Insurance Agent:
- Examines your needs and limitations
- Explores the plans in your area that best suit your needs
- Lays out available options of coverage
- Describes the effect of the different options once the insurance policy becomes active
- Helps you with the process of application
- Does not influence your cost of insurance. (agent’s service is usually paid by the insurer)
Presidio County Health
With 33%, Presidio County has the highest uninsured adult rate among its neighbors. Brewster County has the lowest, with 21%. In the entire state of Texas, Gaines County has the highest uninsured rate, with 36%, while Loving County has the lowest at just 11.4%. The average adult uninsured rate in the entire state of Texas was around 21%, in the year 2021.
Almost 40% of adults in Presidio County encounter health problems.
Additionally, 23% of the residents in Presidio County fail to participate in physical exercise activities, which could contribute to 30% of the population being obese (with a BMI of 30 or more).
The highest obesity rate within the neighboring counties of Presidio County is in Hudspeth County with 38%, while Jeff Davis County and Brewster County are tied for the lowest at just 26%. The average in the state of Texas is roughly 31%
At least one health insurer in Presidio County offers inexpensive and frequently subsidized ACA health insurance, on and off the state marketplace.
Health Insurance Analysis:
One of the most important insurance coverage is health insurance and more than 1,500 of the population in Presidio County do not have this necessity.
The sale of multiple types of health insurance and supplemental health insurance is permitted in the state of Texas. This means that Presidio County residents can conveniently choose coverage that fits their specific needs (both Medically and financially). Some of which are: Group or Individual Marketplace ACA health insurance, various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
For consumers who find health insurance expensive, they can apply for government subsidies, as this will substantially lower the cost of insurance.
Short-term health Insurance is an alternative option if you do not have a pre-existing condition. (* Some Texas multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage.)
Explore your insurance needs with a knowledgeable state-licensed Texas health insurance professional with access to various health insurance options available in Presidio County.
A Texas health insurance agent: analyzes your needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process and at any time you need to make a change to the policy or shop for replacement coverage.
Presidio County Mortality and the End of Life Statistics
Presidio County holds the longest average life expectancy rate in the entire state of Texas, at 88.8 years. It is more than 9 years longer than the Texas average of 79 years. Looking at the bordering counties, Hudspeth County and Jeff Davies County’s average life spans are also above the Texas average, at 84.5 years and 84.2 years, respectively.
Life Insurance Facts:
Approximately 47% of Americans did not have an active life insurance policy in 2022.
Life Insurance premiums are determined, among other things, by the insured’s age when the policy begins. The younger you are when you purchase it, the more money you will save over the course of the policy.
The rate of adults in Presidio County who smoke cigarettes is nearly 22%. This habit will definitely increase the life insurance premiums of these individuals by up to 4 times compared to non-smokers. Smokers are more prone to life-threatening diseases, which makes their life expectancy shorter.
Motor Vehicle Fatalities in Presidio County
The Texas Department of Transportation (TxDoT) reported 45 crashes in Presidio County, resulting in 2 deaths. Alcohol is considered the main factor for the fatal crashes in Presidio County, with almost 40% of the total driving fatalities.
Final Expenses - Presidio County Funeral Home Cost
A traditional funeral in Texas can cost between $5,000 and $12,000, while the average across the state is around $6,200, which includes basic service fees, casket, embalming, transportation, viewing, and burial.
Compared to the rest of Texas, Polk County has the highest average funeral cost, at nearly $10,900, while Kenedy and Willacy County report the most affordable, closer to $3,200.
Life Insurance Analysis:
With 46% of Americans dying with savings of less than $10,000, some Presidio County seniors could be placing an unnecessary and frequent unbearable financial burden on their family and friends. While grieving their loss, not only does the family need to plan the funeral, but quite frequently it also needs to pay for it too. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
Aside from the funeral cost, unpaid taxes and other debts are also frequently left by the deceased, which the family needs to settle.
The most utilized life insurance policies to cover “final expenses” for up to $50,000 are Term Life Insurance and Final Expense Insurance. Speak with an agent about senior life insurance options.
Term Life Insurance, Cash Value Insurance, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expense are some of the most used life insurance policies that will leave money to the family of the deceased.
Speak with an experienced and licensed Texas insurance professional about life insurance options in Presidio County. Knowledgeable insurance professionals with access to multiple insurers can help you evaluate your needs and then offer you different solutions to fill them.
