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San Patricio County

Driving in San Patricio County

An estimated 52,718 private and commercial vehicles call the roads of San Patricio County their home. These automobiles account for roughly 0.23% of all the vehicles registered in Texas.

Over 87% of adult drivers in San Patricio County commute to work by themself, and around 1 in 3 of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which can be over 10,000 vehicles in San Patricio County alone.

Auto Insurance Analysis:

  1. In San Patricio County, there are over 52 thousand registered automobiles that require insurance. The type of car, as well as its intended use, determines the appropriate type of auto insurance coverage. There are several forms of vehicle insurance to choose from, including Private Auto, Commercial Auto, and Commercial Inland Marine. Auto Liability is required for every vehicle on the road.

  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 13,000 San Patricio 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 is higher.

For consultation and advice about auto insurance in San Patricio 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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San Patricio County Housing

San Patricio County had roughly 29,979 housing units in 2022. The majority of housing units (68%) in San Patricio County are inhabited by the owners, with the remaining (32%) rented out to tenants. In Texas, the average is closer to a 62/38 split. When comparing San Patricio County to its neighbors, Live Oak County has about 82% homeowner occupancy, while Nueces County has less than 58%.

Housing Insurance Analysis:

  1. Almost 30 thousand housing units in San Patricio 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 9 thousand housing units in San Patricio 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 are advised to obtain 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 San Patricio County may require Renters insurance as a condition of the lease.

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

For consultation and advice about Homeowners insurance or Renters Insurance in San Patricio County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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San Patricio County Health

The uninsured rate in San Patricio County is roughly 19%, which is lower than the Texas state average of 21%. In comparison to its neighbors, Aransas County has the highest uninsured rate of 25%. San Patricio County, Bee County, and Refugio County all have uninsured rates of 19% — the lowest among the neighboring counties.

Almost 25% of San Patricio County residents have poor health and one of the biggest causes of this is the lack of physical activity, with roughly 33% of residents failing to engage in regular exercise activities.

That lack of physical exercise is reflected in the obesity of 41% of San Patricio County residents. In comparison to its neighboring counties, San Patricio County has the greatest percentage of obesity, while Refugio County has the lowest (20%). The average obesity rate for the state of Texas is 31.4%.

At least 2 health insurers in San Patricio 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 over 10,000 residents of San Patricio 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 unaffordability, 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. (* 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 San Patricio County contact a health insurance agent licensed in the state of Texas, who has access to multiple insurers and coverage options.

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Health Insurance in Texas

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San Patricio County Mortality and the End of Life Statistics

The average life expectancy of San Patricio County residents is 76 years old, which is lower than the Texas state average of 79.2. Among the neighboring counties, Live Oak County has the highest average life expectancy of 80 while Jim Wells County has the lowest average in the area, at 75.4 years old. The highest average life expectancy in Texas is in Presidio County at 88.8, and the lowest is in Donley County, at 72.8 years old.

In 2022, there were approximately 10,254 senior residents (65 and older) in San Patricio 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 San Patricio County

Motor vehicle fatality deaths in San Patricio County statistically occur at a rate of 17.91 per 100,000 vehicles on the road, resulting in 9 fatal crashes.

In 2020, the Texas Department of Transportation (TxDoT) reported over 958 crashes in San Patricio County, which led to 14 fatalities. In San Patricio County, alcohol has been determined to be the primary cause of fatal crashes in more than 13% of all driving fatalities.

Final Expenses - San Patricio County Funeral Home Costs

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

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, almost 5 thousand San Patricio County senior residents could be placing an unnecessary and 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. Aside from the burial costs, the deceased frequently leave taxes and other debts 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 San Patricio County, contact a knowledgeable 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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