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San Augustine County

Driving in San Augustine County

A total of 6,474 commercial and private vehicles are registered in San Augustine County, and this figure accounts for 0.03% of all automobiles registered in the state of Texas.
Roughly 83% of the daily commuters in the county drive to and from work by themselves, and nearly half of those travel for at least 30 minutes.
Since 1 out of 5 of the automobiles in Texas are uninsured, nearly 1,300 vehicles in San Augustine County could be uninsured or underinsured.

Auto Insurance Analysis:

  1. San Augustine County has well over 6 thousand registered automobiles, and they all need auto insurance coverage. Gap Coverage, Inland Marine, Non-owner, and Farm Transportation re only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them. Auto Liability, on the other hand, is required by Texas law.
  2. It is reported that 20% of the drivers in Texas do not have auto insurance, making Uninsured Driver Coverage increasingly more important. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.
  3. Most of the roads in San Augustine County are rural, and these kinds of roads have less traffic and less potential for vehicular collision. However, 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, San Augustine county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal.
    To get auto insurance advice in San Augustine County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.
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Car Insurance in Texas

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San Augustine County Housing

Most of the homes (≈62%) in Texas are inhabited by the families and individuals who own them, and the same can be said for the approximately 5,557 housing properties in San Augustine County. Around 77% of the homes are owner-occupied, while 23% are available for tenants to move into.

Comparing the counties in the region, Sabine County has the highest owner-occupied rate at 88%, while Jasper County has the second-highest figure at 78%. San Augustine County has the third-highest percentage.

Nacogdoches county, on the other hand, has an unusually low owner-occupied rate at 57%. This means that almost every other housing unit in this county is possibly listed for rent.

Approximately 17% of homes in San Augustine County experience various housing problems like overcrowding, substandard plumbing, or kitchen-related issues. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Over 5 thousand homes in San Augustine 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 properties from damage or even total loss.

  2. With over 1 thousand housing units in San Augustine County listed for rent, landlords are advised to purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.

  3. Tenants secure Renters Insurance to protect their belongings from damage or loss. The premiums for this type of insurance are quite affordable. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in San Augustine County require tenants to take out a Renters Insurance policy before signing 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 San Augustine 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 (The agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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San Augustine County Health

In San Augustine County, approximately 21% of the residents under 65 years old do not have proper health coverage, which is at par with the Texas average (≈20.7%). San Augustine County’s adult uninsured rate is tied with Nacogdoches County as the third-highest figure in the region.

Among the neighbors, Shelby County has the most adultsmost number of adults without proper health insurance coverage at 26%, while Jasper County has the lowest figure 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.

Roughly 1 out of 4 San Augustine County residents report problems with their health — this translates to over 1,600 residents.

Regular exercise is essential to a person’s health and fitness, but in San Augustine County, it is estimated that approximately 29% of the population does not engage in such activities. This is probably one of the reasons why 36% of its residents are considered obese (with a BMI of 30 or more).

San Augustine County’s obesity rate is higher than the state average of 31%. Comparing the neighbors, Jasper County has the highest figure at 44%, followed by Angelina County at 40%. Sabine County has the lowest obesity rate in the area at 27%.

There is at least 1 health insurer in San Augustine County that offers affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. More than 1 thousand San Augustine 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. Government subsidies are available for low-income residents who cannot afford health insurance. They must speak with a licensed health insurance agent, so they can be advised on how to apply for these subsidies.

  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 San Augustine County.

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Health Insurance in Texas

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San Augustine County Mortality and the End of Life Statistics

San Augustine residents have a life expectancy of 75.7 years old, which is not too far from the Texas average of 79.2 years. In the immediate area, Nacogdoches County has the longest life expectancy at 77 years old, while Shelby and Jasper counties have the shortest average, both 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 2,200 seniors (65 and older) living in San Augustine County.

Life Insurance Facts:

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

  2. Life insurance premium rates are heavily influenced by the insured’s age. So taking out a life insurance policy at a young age can save the policyholder a considerable sum of money in the long run.

  3. Approximately 23% of adults in San Augustine County smoke, and a smoker’s life insurance policy premiums can be up to 4 times more expensive than a non-smoker’s.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to borrow against, for emergency expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in San Augustine County

Motor vehicle fatalities in San Augustine County occur at a rate of 45.85 per 100,000 vehicles on the road, averaging nearly 3 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 103 crashes in San Augustine County, with a resultant 2 fatalities. Around 37% of the fatal car crashes in San Augustine County involved alcohol.

Final Expenses – San Augustine County Funeral Home Cost

The average cost of a traditional funeral in San Augustine County is around $5,200, which is significantly less expensive than the state average of $6,200. San Augustine County’s average funeral cost is the least expensive in its region, along with Shelby County.

Among the neighbors, Angelina County has the most expensive funeral cost average of $7,200, followed by Nacogdoches County at $6,200.

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 family and friends of the deceased will have to set aside their mourning to come up with the money to pay for the funeral. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. On top of this, the deceased often leave unsettled debts and unpaid taxes for their family to deal with. Understandably, this adds to the family’s financial woes, given that they are already spending a large sum on the funeral.

  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 San Augustine County and help lighten the load for your family - reach out to a Texas-licensed experienced life insurance agent with access to multiple insurers. A knowledgeableSuch 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.

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

Life Insurance in Texas

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