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Taylor County

Driving in Taylor County

Taylor County has approximately 110,188 vehicles registered for both commercial and private use. These account for less than 0.5% of all registered vehicles in Texas.

Over 80% of Taylor County drivers commute to work every day, with nearly one-tenth of those commutes lasting more than 30 minutes.

More than 20% of Texas vehicles are uninsured, implying that over 22,000 Taylor County automobiles are possibly without auto insurance coverage.

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

Auto Insurance Analysis:

  1. Taylor County has over 100,000 registered vehicles that require auto insurance. Private automobile insurance, commercial or farm automobile insurance, auto liability insurance, commercial inland marine insurance, and other forms of insurance may be required. Auto insurance may also be affected by the type of vehicle and its intended use.

  2. Uninsured driver coverage is becoming increasingly important in Texas, where one out of every five drivers is uninsured or underinsured. In Texas, the annual cost of uninsured and underinsured motorist coverage is approximately $900 million.

Contact a Property & Casualty insurance agent who is licensed in Texas if you need advice and assistance with Taylor County auto insurance.

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Car Insurance in Texas

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Taylor County Housing

Taylor County's housing market of approximately 58,716 units is divided between homeowners (58%) and renters (42%). The Texas state average is closer to 62/38 split. The surrounding counties are mostly made up of owner-occupied homes as well, with Callahan County leading the way with over 82% homeownership. On the other hand, Taylor county closed at the bottom of the list.

Overcrowding, a lack of plumbing, and/or poor kitchen conditions affect more than 1 out of every 7 housing units in Taylor County. In approximately 15% of homes, residents spend more than 50% of income on housing.

Housing Insurance Analysis:

  1. Nearly 59,000 housing units in Taylor County could use some protection from a home insurance carrier. 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 obtained by property owners in Taylor County, which has nearly 25,000 rental units. Landlord insurance protects both the property and its owner from potential liabilities.

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

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

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Residential Insurance in Texas

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Taylor County Health

Despite the fact that Taylor County does not have the lowest health insurance rating among its neighboring counties, uninsured adults and children make up approximately 19% of the population. This figure is lower than the 20.7% state average (in 2021). With an uninsured rate of around 26%, Coleman County ranks first among neighboring counties in terms of residents without health insurance. Callahan County, on the other hand, has the lowest percentage of uninsured residents, at around 18%. Gaines County has the highest rate of uninsured adults in Texas, approaching 36%, while Loving County has the lowest, around 11%.

Almost 1 in 5 adults in Taylor County has a health problem. Around one-fourth of the population is physically inactive, contributing to a 31% obesity rate, which is at par with the Texas average. Callahan County has the highest obesity rate of any peer county, at 39%. Runnels County, on the other hand, is said to have the lowest obesity rate in the area, at 19%.

In Taylor County, at least two insurers offer affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. Over 22,000 Taylor County residents do not have 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 Texas healthcare more accessible: 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 prohibitively expensive, especially for those with low incomes, they should apply for government subsidies to significantly reduce the cost of insurance. Short-term 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 full year of coverage.)

Contact a health insurance agent licensed in the state of Texas for consultation and advice on Taylor County health insurance.

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Health Insurance in Texas

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Taylor County Mortality and the End of Life Statistics

Taylor County's average life expectancy is estimated to be 75.6 years old, which is significantly lower than the Texas state average of 79.2 years old. Shackelford County appears to have the longest life expectancy among neighboring counties, at 82.3 years old, nearly 7 years longer than Taylor County, and Coleman County appears to have the shortest, at 73.5 years old. Presidio County, on the other hand, has the state's highest average life expectancy rate, at 88.8 years. Donley County has the lowest life expectancy, with a life expectancy of 72.8 years.

Taylor County had over 20,000 senior citizens (65 and older) in 2022.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have any type of active life insurance policy.

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

Motor Vehicle Fatalities in Taylor County

On Taylor County roads each year, approximately 18-19 fatal crashes occur, resulting in a fatal crash rate of 16.46 per 100,000 vehicles on the road.

According to the Texas Department of Transportation (TxDoT), Taylor County had 3,097 crashes in 2020, with 19 fatalities. Alcohol was responsible for 19% of all traffic fatalities.

Final Expenses - Taylor County Funeral Home Cost

A traditional funeral in Texas can cost between $5,000 and $12,000, including basic service fees, casket, embalming, transportation, viewing, and burial. The average funeral cost in Texas is $6,200, but in Taylor County, the average funeral cost closer to $6,000, similar to the neighboring Callahan and Jones Counties, with the average funeral cost of under $6,000.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that over 9,000 Taylor County senior citizens may be putting an additional burden on their family and friends with basic funeral expenses. Instead of grieving the loss of a loved one, the family must figure out how to pay.

  2. In addition to burial costs, the deceased may have left behind taxes and debts for the surviving 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. The most common life insurance policies that allow money to be left to family members are Term Life Insurance and Cash Value Life, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expenses.

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

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

Life Insurance in Texas

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