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Sutton County

Driving in Sutton County

Out of the 23 million registered vehicles in Texas, 2,925 of them can be found in Sutton County used by the locals for personal and business endeavors — this figure accounts for 0.01% of all registered automobiles in Texas.

84% of Sutton County residents who drive to work daily, do so by themselves, and 16% of them are behind the wheel for more than 30 minutes.

With 20% of Texas vehicles uninsured, less than 1,000 vehicles in Sutton County could be uninsured or underinsured.

Auto Insurance Analysis:

  1. Nearly 3 thousand automobiles registered in Sutton County could use at least Auto Liability insurance coverage as mandated by the state of Texas. Inland Marine, Ride-Sharing Coverage, Non-owner, and Commercial Auto are a few of the additional options that vehicle owners can choose from, depending on what vehicles they own and how they utilize them.

  2. Auto Liability is mandated by Texas law. Anyone caught operating a vehicle without one, they will face a hefty fine. Repeat offenders could have their licenses revoked, and/or their vehicles impounded.

  3. Uninsured Driver Coverage is gradually becoming more important since every fifth driver in Texas is uninsured. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

To get auto insurance advice in Sutton 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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Sutton County Housing

Around 2,072 housing properties can be found in Sutton County, and just like the rest of Texas, the majority of these dwellings are inhabited by the owners, at a rate of 69% — higher than the Texas average of 62%. About 31% of homes in Sutton County are occupied by or available for tenants to move into.

Sutton County’s immediate neighbors are also made up of owner-occupied homes with Edwards County leading the group at 86%, followed by Schleicher County at 79%. With an owner-occupied rate of 64%, Val Verde County has the lowest figure, followed by Sutton County and Menard County (63%).

Approximately 12% of the homes in Sutton County experience housing problems, overcrowding, substandard plumbing, or kitchen-related issues, which is the lowest in the state of Texas. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Roughly 2 thousand homes in Sutton 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. Landlords in Sutton County purchase Landlord Insurance, which covers the property and possible liability claims from the tenants.

  3. Tenants secure Renters Insurance, which is quite affordable and can protect the tenants’ belongings from damage or loss. It covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Sutton County require the tenants to purchase this coverage.

Contact a knowledgeable 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 Sutton 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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Sutton County Health

Approximately 21% of Texas adults below 65 years old do not have proper health coverage, and the same percentage applies to Sutton County residents. Compared to its neighbors, Sutton County has the lowest uninsured adult rate along with Crockett County (21%). Leading the group is Menard County with 29%, followed by Edwards County at 26%.

The highest uninsured adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County at closer to 11.4%.

About 21% of Sutton County residents report health problems. This is likely partially due to the fact that 15% of adults smoke, 20% drink too much alcohol, and 18% of the adult resident population do not engage in physical exercise.

The lack of exercise is one of the main reasons why 29% of the adult population in Sutton County are considered obese (with a BMI of 30 or more) — this rate is lower than the Texas average of 31%.

Looking at the neighbors, only Crockett County has a higher obesity rate than Sutton County, at 30%. Sutton County is tied with Menard County in second place, both at 29%. Edwards County has the lowest figure in the region with 22%.

At least 3 health insurers in Sutton County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Almost a thousand Sutton County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  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): Marketplace ACA health insurance, various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Low-income individuals who cannot take out a health insurance policy due to financial constraints, can apply for government subsidies to decrease the overall cost of health coverage.

  4. Short-Term Insurance is an alternate money-saving path 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 Sutton 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.

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Health Insurance in Texas

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Sutton County Mortality and the End of Life Statistics

Sutton County residents have an average life expectancy of 83.3 years old, which is significantly lower than the Texas state average of 79.2 years. In its region, Sutton County has the highest average, followed by Val Verde County at 78.5 years. At the bottom of the list is Crockett County with a 73.9-year average life span.

The highest life expectancy in the state of Texas is seen in Presidio County at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.

In 2022, there were roughly 700 seniors (65 and older) living in Sutton County.

Life Insurance Facts:

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

  2. Age is a significant factor when determining the cost of life insurance. The higher the age, the higher the premium rate. This is why taking out a life insurance policy as early as possible is generally advised for young adults.

  3. Approximately 19% of adults in Sutton County smoke, and these residents will have to pay up to 4 times more for their life insurance. Smokers are viewed as more of a risk as they are more likely to have premature death.

  4. In addition to the death benefit, Permanent Life Insurance also has a cash value component allowing the insured to use its benefits while still alive: to borrow against, for emergency expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in Sutton County

In 2020, the Texas Department of Transportation (TxDoT) reported 101 crashes in Sutton County, leading to 2 fatalities. Alcohol is determined as the main factor for the fatal crashes in Dallas County in 6% of all driving fatalities.

Final Expenses – Sutton 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.

In the entire state of Texas, Polk County has the highest 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 passing away with less than $10,000 in assets, the family and friends of a deceased Sutton County resident may have to delay their mourning as they may need to prioritize making sure the funeral will be paid. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased frequently leave unsettled debts and taxes, which may further complicate the family’s financial situation.

  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 Sutton County and help lighten the load for your family - reach out to a knowledgeable Texas-licensed life insurance professional with access to multiple insurers and plan types. An experienced agent can help you evaluate your needs and then offer you multiple solutions to fill them.

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Life Insurance in Texas

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