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Robertson County

Driving in Robertson County

There are approximately 13,495 registered vehicles in Robertson County for both commercial and personal use. These vehicles constitute approximately 0.06 percent of all registered vehicles in Texas.

Every day, nearly 79 percent of Robertson County drivers commute to work alone, with more than half of those commutes lasting more than 30 minutes.

Uninsured vehicles account for approximately 20% of all vehicles in Texas. This means that there could be nearly 3,000 vehicles in Robertson County that may be uninsured or underinsured.

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

Auto Insurance Analysis:

Auto insurance is required for more than 13,000 vehicles in Robertson County. Private Auto Insurance, Farm Auto Insurance, Commercial Inland Marine Insurance, and other types of insurance may be purchased aside from the mandatory minimum. The type of vehicle and its intended use may also have an impact on auto insurance.

  1. The vast majority of roads in Robertson County are in rural areas. Rural roads are less congested and usually have a lower accident rate. Meanwhile, animals are more likely to get in the way of moving cars in rural areas. The majority of animal-related crashes in Texas occur twice a day, between 5-8 a.m. beginning at 6 p.m. until 2:00 p.m. The chances of colliding with a deer are greatest in November. As a result, residents of Robertson County should consider Comprehensive Auto coverage, which helps with the repair of animal-related collision damage.

  2. Uninsured Driver Coverage remains very important in Texas because one out of every five drivers is uninsured or underinsured. Every year, Texans spend more than $900 million on Uninsured and Underinsured Motorist coverage.

Contact a Texas-licensed Property & Casualty insurance agent if you need Auto insurance in Robertson County.

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Car Insurance in Texas

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Robertson County Housing

The housing market in Robertson County, which has approximately 9,331 units, is divided between homeowners (76%), and renters (24%). This is consistent with the rest of Texas, where the vast majority of homes are occupied by their owners (62%). The surrounding counties are mostly made up of owner-occupied homes as well, with Burleson County having the highest homeownership rate with more than 78%, followed by Leon County with over 77%. Brazos County, on the other hand, has the lowest rate of live-in owners, with nearly 53% of homes as rentals. 

Overcrowding, issues with  plumbing, and/or kitchen affect more than 1 in every 7 housing units in Robertson County.

Housing Insurance Analysis:

  1. Robertson County’s 9,000 housing units could benefit from property insurance.  Homeowners should  protect their property from loss or damage, usually through Homeowners, Condo, or Business Property insurance (which usually protects apartment complexes.

  2. Robertson County has over 2,000 rental units, all of which should  be insured by Landlord’s Insurance. It protects both the property and the owner from potential liability claims made by the renters.

  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 water, fire, smoke, and vandalism damage. Landlords may require renter's insurance as a condition of the lease.

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

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Residential Insurance in Texas

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Robertson County Health

At 20%, Robertson County's health insurance rate is 4th worst among its peer counties with 1 out of every 5 adults and nearly 13% of all children uninsured. This figure is lower than the 20.7% state average (in 2021). With over 26%, Leon County has the highest rate among neighboring counties and one of the worst-rated statewide. Brazos County, in contrast, has the lowest rate of uninsured residents at under 18%. Gaines County has the highest rate of uninsured adults in Texas, at nearly 36%, while Loving County has the lowest, around 11%.

More than 1 out of 5 adults in Robertson County has a health problem, and nearly 36% of the adult population does not engage in physical activity, contributing to 42% of the population being obese, which is significantly higher than the Texas average of 32%. Burleson County has the highest obesity rate of any peer county at 47% while Falls County has the lowest obesity rate followed by Brazos County with 29% and 31%, respectively.

In Robertson 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. The most important type of insurance is health insurance, and nearly 3,000 Robertson County residents do not have proper coverage.

  2. Texas is one of the states that offers a broader range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-compliant Group or Individual Marketplace Health Insurance, various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident and Health Insurance, and so on.

  3. Health insurance can be prohibitively expensive, particularly for those with low incomes, so they are advised to apply for government subsidies, which can significantly reduce the cost of insurance. Short-Term Insurance may be an option if you do not have any pre-existing conditions. (Note: Some multi-year short-term plans may cover specific pre-existing conditions after a full year of coverage.)

If you need consultation and advice on health insurance in Robertson County, contact a knowledgeable Texas-licensed health insurance agent, who has access to multiple insurers and coverage options, for comparison.

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Health Insurance in Texas

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Robertson County Mortality and the End of Life Statistics 

Robertson County residents’ average lifespan is 76.5 years, which is lower than the Texas state average of more than 79 years. Brazos County residents have the longest lifespan among neighboring counties, at more than 81 years. Limestone County residents, on the other hand, tend to have the shortest lifespan at 75.5 years followed by Robertson County residents. Presidio County has the state's highest average life expectancy rate, at nearly 89 years old. Donley County has the lowest average life expectancy at 73 years old.

In 2022, Robertson County had over 3,400 senior (65 and older) residents.

Life Insurance Facts:

  1. In 2022, 47% 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 Robertson County

At least 3 fatal crashes occur on Robertson County roads every year, with a fatal crash rate of 22.89 per 100,000 vehicles on the road.

Robertson County had 321 crashes in 2020, resulting in 8 fatal deaths, according to the Texas Department of Transportation (TxDoT). Alcohol was responsible for nearly 10% of all traffic deaths.

Final Expenses - Robertson County Funeral Home Cost

A traditional funeral service in Texas can cost between $5,000 and $12,000, which includes the basic service fees, casket, embalming, transportation, viewing, and burial. The average funeral service in Texas costs $6,200, while a funeral service in Robertson County costs $5,600. Brazos County has the most expensive funeral costs, closer to $6,500, while Limestone County tends to have the lowest, under $5,000.

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. Nearly 46% of Americans die with less than $10,000 in life savings, which means that more than 1,500 Robertson County senior residents may be placing an undue burden on their family and friends with basic funeral expenses. Instead of grieving the loss of a loved one, the family must find a way to pay.

  2. In addition to burial expenses, the deceased may have left behind taxes and debts for the family to deal with.

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

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

Contact a knowledgeable Texas-licensed life insurance agent if you need consultation and advice on life insurance in Robertson County.

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

Life Insurance in Texas

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