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Randall County

Driving in Randall County

Throughout Randall County, approximately 111,611 vehicles are registered for both commercial and private use. These registered vehicles account for nearly 0.5% of all Texas registered vehicles.

More than 84% of Randall County drivers commute to work every day, with nearly one-fifth of those commutes lasting more than 30 minutes.

Over 20% of Texas vehicles are uninsured, implying that over 22,000 vehicles in Randall County are possibly uninsured or underinsured.

Car insurance is required in Texas as "proof of financial responsibility," and driving without it is illegal.

Auto Insurance Analysis:

  1. There are more than 100,000 registered vehicles in Randall County that require auto insurance. Private auto insurance, commercial or farm auto insurance, commercial inland marine insurance, and other types of insurance are all required. The type of vehicle and its intended use may also have an impact on auto insurance. Liability coverage is required for every vehicle on the road.

  2. Longer daily commutes can increase auto insurance rates because they increase the amount of time a driver spends behind the wheel. The longer a driver drives, the more likely it is that he or she will be in a car accident.

  3. The vast majority of Randall County residents drive alone, contributing to traffic congestion and raising insurance rates.

  4. Uninsured driver coverage is becoming increasingly important in Texas, where one out of every five drivers is uninsured or underinsured. Uninsured and underinsured motorist coverage costs Texans more than $900 million per year.

Contact a Property & Casualty insurance agent licensed in Texas if you need consultation and guidance on Randall County auto insurance.

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Car Insurance in Texas

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Randall County Housing

Randall County's housing market of approximately 56,465 units is split between homeowners (71%) and renters (29%). The Texas state average is a closer 5-3 split between homeowners and renters. The surrounding counties are also mostly made up of owner-occupied homes, with Armstrong County leading the way with over 88% owner live-in rate and Potter County coming in last with around 55%.

Overcrowding, a lack of plumbing, and/or poor kitchen conditions affect nearly one in every nine housing units in Randall County.

Housing Insurance Analysis:

  1. Over 56,000 housing units should be insured in Randall County. All housing units should be covered by homeowner's insurance to protect the owner's property from loss or damage (Homeowners or Condo). Apartment complexes and condo associations are covered by Business Property insurance.

  2. Landlord Insurance should be purchased by property owners in Randall County, which has over 16,000 rental units. Landlord insurance protects both the property and its owner from potential liability issues.

  3. Tenants typically purchase renters insurance to protect their belongings from potential damage or loss. The standard Renter's Insurance policy covers theft as well as damage from water, fire, smoke, and vandalism. Landlords may require renter's insurance as a condition of the lease.

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

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Residential Insurance in Texas

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Randall County Health

Randall County has the highest health insurance rate among its neighboring counties. Uninsured adults and children account for approximately 13% of the population. This figure is significantly lower than the state average of 20.7% (in 2021). Castro County ranks first among neighboring counties in terms of residents without health insurance, with an uninsured rate of about 29%. Randall County, on the other hand, has the lowest percentage of uninsured residents. Gaines County has the highest rate of uninsured adults in Texas, nearing 36%, while Loving County has the lowest, around 11%.

More than one out of every six adults in Randall County has a health issue. Around 27% of the population is physically inactive, having contributed to a 30% obesity rate, which is lower than the Texas average of 32%. Potter County has the highest rate of obesity of any peer county, accounting for 31% of its total adult population. Armstrong County, on the other hand, is said to have the lowest obesity rate in the area, at 22%.

In Randall County, at least 3 insurers provide affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. Nearly 16,000 Randall County residents do not have proper health insurance, which is the most important type of insurance.

  2. Texas is one of the states that offers a wider range of health insurance and supplemental product options, making healthcare more accessible to its residents: ACA-compliant Group and Individual marketplace health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.

  3. Health insurance can be expensive, especially for those with low incomes, so they should apply for government subsidies to significantly reduce the cost of insurance. Short-term health insurance may be an option if you do not have any pre-existing conditions. (Keep in mind that some multi-year short-term plans may cover specific pre-existing conditions after a year or more of coverage.)

If you need consultation and advice on health insurance in Randall County, contact a health insurance agent licensed in the state of Texas, who has access to multiple insurers for comparison.

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Health Insurance in Texas

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Randall County Mortality and the End of Life Statistics

Randall County's average life expectancy is estimated to be around 79.2 years old, which is in line with the Texas state average. Castro Countyhas the highest life expectancy among neighboring counties, at 79.5 years old, slightly longer than Randall County, while Liberty County has the lowest, at 73.8 years old. Presidio County, on the other hand, has the state's highest average life expectancy rate, at 88.8 years, while Donley County has the lowest, at 72.8 years.

Randall County had over 22,000 senior (65 and older) residents in 2022.

Life Insurance Facts:

  1. In 2021, 48% of Americans lacked any type of active life insurance policy.

  2. Life insurance premiums are calculated based on the insured's age at the start of the policy, so the younger you are when you purchase it, the less you will have to pay in premiums over the policy period.

Motor Vehicle Fatalities in Randall County

Each year, approximately 16-17 fatal crashes occur on Randall County roads, resulting in a fatal crash rate of 14.58 per 100,000 vehicles on the road.

Randall County had 2,043 crashes in 2020, with 13 fatalities, according to the Texas Department of Transportation (TxDoT). Nearly 1/6 of all traffic fatalities were caused by alcohol.

Final Expenses - Randall County Funeral Home Cost

In Texas, a traditional funeral can cost between $5,000 and $12,000, which includes basic service fees, casket, embalming, transportation, viewing, and burial. The average funeral cost in the state is $6,200, while the average funeral cost in Randall County is more than $5,000. Deaf Smith County has the most expensive funeral services among neighboring counties, at nearly $9,000.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that more than 10 thousand Randall County senior citizens may be putting an extra burden on their family and friends with basic funeral expenses. Rather than mourning the loss of a loved one, the family must figure out how to pay.

  2. Aside from burial expenditures, the deceased may have left behind taxes and debts for the surviving family to deal with.

  3. Term life insurance and final expense insurance are the most common life insurance policies that cover "final expenses" up to $50,000.

  4. Term Life Insurance and Cash Value Life, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expenses, are the most common life insurance policies that allow money to be left to family members.

If you need life insurance consultation and advice in Randall County, get help with assessing your needs and picking the right life insurance by contacting an experienced and knowledgeable Texas-licensed life insurance agent, with access to multiple insurers and various types of policies.

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

Life Insurance in Texas

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