up button arrow
logotype
https://texasinsurance.org is a privately owned website that is not owned or operated by any government agency

Winkler County

Driving in Winkler County

Winkler County is home to approximately 6,284 vehicles that are being used either personally or for business. This number accounts for 0.03% of all registered automobiles in Texas.
Approximately 81% of the vehicles that are being used daily to commute to and from work transport only the driver and no one else. Roughly 1 out of 4 of these trips need at least half an hour to reach their destination.
With 20% of the vehicles in Texas uninsured, over 1,200 vehicles in Winkler County are possibly uninsured or underinsured.

Auto Insurance Analysis:

  1. More than 6 thousand vehicles registered in Winkler County need at least Auto Liability insurance coverage as it is required by Texas law. Ride-sharing Coverage, Gap Coverage, and Ranch or Commercial Auto are a few of the additional options that car owners can choose from, depending on what vehicles they own and how they utilize them.
  2. Roughly 20% of vehicles in Texas do not have auto insurance, and this makes Uninsured Driver Coverage all the more important. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.
    To get auto insurance advice in Winkler County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Texas Insurance Information Portal.svg

Car Insurance in Texas

Read more

Winkler County Housing

Winkler County has over 3,176 homes, and 80% of them are inhabited by the owners themselves — this figure is considerably higher than the Texas average of 62%. Renters in Winkler County have a tough time looking for a house to stay in since only 2 out of 10 properties are listed for rent.

Comparing the adjacent counties, Winkler County has the highest owner-occupied rate, followed by Andrews County at 74%. Loving County has the lowest figure in the group with 63% owner-occupied and 37% rented.

Approximately 17% of homes in Winkler 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 3 thousand homes in Winkler 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 Winkler County are advised to purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.

  3. Renters Insurance, which is quite inexpensive, can protect the tenants’ belongings from damage or loss. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Winkler 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 Winkler 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)
Texas Insurance Information Portal.svg

Residential Insurance in Texas

Read more

Winkler County Health

The state average for uninsured adults is approximately 21%, and Winkler County has the same percentage. In the region, Ector County has the highest adult uninsured rate at 22%, while Winkler, Ward, and Andrews counties are all tied in second place.

Loving County has the lowest percentage in this category at 11%, not just in the region but in the entire state as well. Gaines County, on the other hand, has the highest adult uninsured rate in Texas at 36%.

Despite the fact that statewide, Winkler County has the highest percentage of residents that have access to places for physical activities (≈97.57%), roughly 1 out of 4 residents are physically inactive.

This may be some of the reasons why 27% of Winkler County’s population are in poor health, and 38% of them are considered obese (with a BMI of 30 or more), which is significantly higher than the state average of 31%. Among the neighbors, Ward County is tied with Winkler County for having the highest obesity rate, while Loving County has the lowest figure at 30%.

At least 2 health insurers in Winkler County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. More than 1 thousand Winkler 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. If a person cannot afford health insurance due to high costs, they are advised to apply for government subsidies that could significantly reduce or even almost eliminate out-of-pocket costs.

  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 Winkler County.

Texas Insurance Information Portal.svg

Health Insurance in Texas

Read more

Winkler County Mortality and the End of Life Statistics

The life expectancy average for Winkler County residents is about 73.4 years old, which is considerably lower than the Texas average of 79.2 years. It is also the lowest figure in its area. Among the immediate neighbors, Andrews County has the highest average at 76.8 years, followed by Ward County at 75.7 years old.

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 1,000 seniors (65 and older) living in Winkler County.

Life Insurance Facts:

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

  2. Young adults sometimes think that they are too young to take out a life insurance policy. They believe that it wouldn’t make sense to get one yet. But on the contrary, getting a life insurance policy as early as possible can save them a considerable sum of money in the long run.

  3. Roughly 19% of adults in Winkler County smoke, which spikes up their life insurance premiums by up to 4 times. A smoker is usually expected to pass away at a younger age which makes them a risk for life insurance carriers.

  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 Winkler County

Motor vehicle fatalities in Winkler County occur at a rate of 58.58 per 100,000 vehicles on the road, which is the highest in the entire state of Texas — averaging nearly 4 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 169 crashes in Winkler County, leading to 8 fatalities. Around 23% of the fatal car crashes in Winkler County involved alcohol.

Final Expenses – Winkler 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.

Looking at Winkler County’s neighbors, Ector County has a more expensive funeral cost average of $6,600, while Andrews County traditional funeral can be usually done closer to $3,300.

In the entire state of Texas, Polk County has the highest funeral cost at $10,900, while Kenedy and Willacy Counties tend to have the most affordable averages, at around $3,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the deceased person’s family and friends may have to focus their energies on making sure their loved one’s funeral bills will be settled instead of mourning their loss.

(Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  1. The deceased often leave unsettled debts and unpaid taxes for their family to deal with, which adds to the family’s financial woes, given that they are already likely paying for the funeral.

  2. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.

  3. 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 types of Cash Value Life Insurance: Whole, various versions of Universal Life, Final Expense, and others.

To get advice regarding life insurance in Winkler 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 knowledgeable agent can help you evaluate your needs and then offer you multiple solutions to fill them.

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

Life Insurance in Texas

Read more