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Victoria County

Driving in Victoria County

Victoria County has 72,297 vehicles registered for both commercial and personal use. These registered vehicles account for around 0.3% of all Texas automobiles.

Almost 80% of Victoria County drivers commute to work every day, with nearly 1 out of 5 of those commutes lasting more than 30 minutes.

More than 20% of Texas vehicles are uninsured, which means that over 14,000 Victoria County vehicles may be either uninsured or underinsured.

In Texas, obtaining auto insurance is necessary as "proof of financial responsibility," and driving without it is illegal.

Auto Insurance Analysis:

  1. Over 70,000 registered vehicles in Victoria County require auto insurance. Private car insurance, commercial or farm car insurance, commercial inland marine insurance, and other types of insurance may be required. The type of vehicle and its intended use may also have an impact on auto insurance. Liability coverage is required for every vehicle on the road.

  2. In Texas, where one out of every five drivers is uninsured or underinsured, uninsured driver coverage is becoming increasingly important. The cost of uninsured and underinsured motorist coverage in Texas exceeds $900 million per year.

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

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Car Insurance in Texas

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Victoria County Housing

The Victoria County housing market, which has roughly 37,740 units, is divided between homeowners (66%) and renters (34%). Texas's state average is closer to a 62/38 share. The surrounding counties are mostly owner-occupied as well, with Goliad County leading the way with roughly 80% homeownership. Victoria County, on the other hand, has the lowest percentage in terms of homeownership.

Congestion, inadequate plumbing, and/or poor kitchen conditions affect nearly one out of every seven housing units in Victoria County.

Housing Insurance Analysis:

  1. Almost 38,000 housing units in Victoria County need insurance coverage. To protect the owner's property from loss or damage, all housing units should be covered by homeowner's insurance (Homeowners or Condo). Business Property insurance protects apartment complexes and condo associations.

  2. Property owners in Victoria County, which has nearly 13,000 rental units, should obtain Landlord Insurance. Landlord insurance safeguards both the property and its owner against potential liabilities.

  3. Renters insurance is typically purchased by tenants 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. As a condition of the lease, landlords may require renter's insurance.

  4. With its proximity to the Gulf of Mexico, Victoria County is one of the most vulnerable areas to hurricane destruction. Residents of Victoria county must understand how this risk affects their house insurance coverage, in addition to being ready and knowing what to do in case of a storm.

Contact a Victoria 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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Victoria County Health

Regardless of the fact that Victoria County's health insurance rating is not the lowest among its neighbors, uninsured adults and children account for roughly 20% of the population. This figure is nearly identical to the 20.7 percent state average (in 2021). With an uninsured rate of around 22%, Jackson County ranks first among neighboring counties in terms of residents without health insurance. Goliad County, on the other hand, has the lowest percentage of uninsured residents, which is estimated to be around 17%. Gaines County has the highest rate of uninsured adults in Texas, approaching 36% while Loving County has the lowest, around 11%.

Almost 1/4 of adults in Victoria County have a health problem. Around 30% of the population is physically inactive, contributing to a 37% obesity rate, which is significantly higher than the Texas average of 31%. Lavaca County has the highest obesity rate of any peer county, at 40%. Refugio County only has half of this rate, making it the lowest among its peer counties.

In Victoria County, at least 1 insurer offers affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. Over 15,000 Victoria County residents lack health insurance, the most important type of insurance.

  2. Texas is one of the states that provides a broader range of health insurance and supplemental product options, thereby 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. Because health insurance can be prohibitively expensive, particularly for low-income individuals, they should apply for government subsidies to significantly reduce the cost of insurance. If you do not have any pre-existing conditions, short-term insurance may be an option. (Keep in mind that after a full year of coverage, some multi-year short-term plans may cover specific pre-existing conditions.)

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

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Health Insurance in Texas

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Victoria County Mortality and the End of Life Statistics

Victoria County's average life expectancy is estimated to be 78.2 years old, which is lower than the Texas state average of 79.2 years old. Goliad County seems to have the highest life expectancy among neighboring counties, at 80.2 years old, 2 years longer than Victoria County, while Dewitt County appears to have the lowest, at 76.1 years old. Presidio County has the state's highest average life expectancy rate, at 88.8 years. Donley County has the lowest life expectancy at 72.8 years.

In 2022, Victoria County had over 15,000 senior citizens (65 and older).

Life Insurance Facts:

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

  2. Life insurance premiums are calculated based on the insured's age at the beginning 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 Victoria County

Annually, roughly 13-14 traffic fatalities occur on Victoria County roads, resulting in a fatal crash rate of 18.69 per 100,000 vehicles on the road.

Victoria County reported 1,080 crashes in 2020, with 21 fatalities, according to the Texas Department of Transportation (TxDoT). More than a quarter of all traffic fatalities were due to alcohol.

Final Expenses - Victoria 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 Victoria County, the average funeral cost exceeds $7,000. Compared to its neighboring counties Calhoun and Goliad roughly have the same estimate. Jackson County, on the other hand, has the most affordable funeral service at approximately $5,500.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that roughly 7,000 Victoria 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.

If you need life insurance consultation and advice in Victoria County, contact a knowledgeable and experienced Texas-licensed life insurance agent with access to multiple insurers and a variety of life insurance options to choose from.

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

Life Insurance in Texas

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