Bastrop County
Driving in Bastrop County
Bastrop County's highways are home to an estimated 74,002 private and commercial vehicles. This statistic represents about 0.3% of all vehicles registered in the state of Texas.
Over 80% of adult drivers in Bastrop County drive alone to work, with close to 2 out of 3 of those commutes averaging more than 30 minutes.
It is estimated that 20% of Texas drivers are uninsured, which means well over 14,000 uninsured vehicles in Bastrop County alone.
Auto Insurance Analysis:
Bastrop County has more than 74 thousand registered vehicles, all of which require insurance coverage.The required insurance may vary depending on the type of vehicle and its intended use, such as Private Auto, Commercial Auto, Auto Liability, Commercial Transportation Inland Marine, etc.
One of the reasons why auto premium costs in Bastrop County are higher than in less densely populated counties is because there are over 44 thousand drivers commuting daily.
With approximately 31,000 Bastrop County residents' driving longer times, the cost of car insurance can further go up, due to the increased risk of a car accident.
Uninsured Driver Coverage remains important across Texas, where 1 out of 5 drivers is uninsured. Uninsured and underinsured auto coverage costs Texans over $900 million per year.
Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a consultation and advice on auto insurance in Bastrop County.
Bastrop County Housing
Similarly to the majority of Texas, where most residences are occupied by their owners, Bastrop County's 31,375 housing units are split between homeowners (at almost 78%) and renters (at over 22%). The homes in the neighboring counties are also mostly occupied by owners, with Fayette County leading the charts with a ratio of over 8 owner-occupied homes to 2 being rented out. Travis County, on the other hand, is split almost evenly, at 1 to 1.
1 out of 6 housing units in Bastrop County experiences housing problems due to high housing costs, overcrowding, a lack of plumbing, or kitchen issues.
Housing Insurance Analysis:
Bastrop County has over 31 thousand housing units that require insurance coverage. At the very least, they should all have Homeowners or Condo insurance to protect the property's owners from loss or damage.
With almost 7,000 rental units in Bastrop County, landlords are encouraged to purchase Landlord Insurance, which protects the property as well as the landlord from potential liability claims brought by renters.
To protect their things from possible damage or loss, tenants should purchase renter insurance coverage. Theft and damage caused by fire, smoke, water, and vandalism are normally covered by standard renters' insurance. Some Bastrop County landlords may make renter's insurance a condition of the lease.
Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a no-cost consultation and advice on home insurance in Bastrop County.
Bastrop County Health
In Bastrop County, over 22% of adults and around 13% of all children do not have proper health insurance coverage. Among the neighboring counties, Caldwell County (26%), has the highest adult uninsured rate, while Williamson County (12%) has the lowest. Across Texas, Gaines County has the highest uninsured adult rate in Texas, at over 36%, while Loving County has the lowest, at around 11%. In 2021, Texas' average uninsured rate was over 20%.
More than 1 in 5 adults in Bastrop County report problems with health. That is over 15,000 people.
In Bastrop County, over 27% of the residents do not participate in daily physical activity, which results in a higher than normal level of obesity among the population.
Obesity is prevalent in Bastrop County, with 42% of residents having a BMI of 30 or more, which is much higher than the Texas average of around 31%. Travis County has the lowest obesity rate among neighboring counties, with 23% of the residents, compared with Lee and Caldwell Counties, where nearly 40% of adults are considered obese.
At least four health insurers in Bastrop County offer affordable and frequently subsidized ACA health insurance on and off the state health marketplace.
Health Insurance Analysis:
Health insurance is the most important insurance coverage and over 18,000 residents of Bastrop County lack this necessity.
Texas is one of the states that allow residents to purchase a variety of health insurance and supplemental plans, making it easier for them to get coverage that fits each person’s particular set of needs: Marketplace ACA health insurance, various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, and others.
If health insurance is not obtained because it is too expensive, low-income residents should apply for government subsidies, which can significantly reduce the cost of insurance. Short-term insurance can be a good way to save money if you don't have any pre-existing conditions. (Note: Some short-term insurers may cover select pre-existing conditions after a year or more of coverage.)
Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available in Bastrop County.
A Texas health insurance agent analyzes your needs, researches the available options, explains the differences between those options, and assists you with the application process.
Bastrop County Mortality and the End of Life Statistics
Bastrop County residents report an average life expectancy of 78.3 years, which is a bit lower than the state average of 79.2. Among the neighboring counties, Williamson County shows longer life spans (82.1), gaining almost 4 years over Bastrop County. Statewide, Presidio County reports the highest life expectancy in Texas, at 88.8, while Donley County has the lowest, at 72.8 years.
In 2022, Bastrop County senior (65+ years old) population was estimated at almost 15,000.
Life Insurance Facts:
In 2021, 48% of Americans did not own a life insurance policy.
Premiums for life insurance are determined based on the insured's age when the coverage begins. The younger you are when you purchase it, the more money it saves you in premiums over the duration of the policy.
Motor Vehicle Fatalities in Bastrop County
In Bastrop County, motor vehicle fatality deaths occur at a rate of 29.95 per 100,000 vehicles on the road. This equates to around 21 fatal crashes per year. Alcohol is identified as the primary cause of fatal crashes in Bastrop County in more than 30% of all driving fatalities.
Texas Department of Transportation (TxDoT) reported 1,438 total crashes in Bastrop County in 2020, with 28 fatalities as a result.
Final Expenses - Bastrop County Funeral Home cost
The cost of a funeral in and around Bastrop County varies greatly. The average cost of a funeral in Bastrop County is approximately $5,000, making it one of the lowest in the surrounding area. Among the neighbors, Williamson County has the highest average funeral cost, at over $7,200, while funeral homes in Fayette County have the lowest average funeral cost, of less than $6,000.
Life Insurance Analysis:
Considering that 46% of Americans die with less than $10,000 in savings, the expense of a basic funeral can be an issue for the family members and friends of approximately 7,000 seniors in Bastrop County. Rather than grieving their loss, the family must focus on figuring out how to pay.
Aside from the costs of burial, the departed frequently leave behind taxes and other debts for the family to deal with.
Term Life Insurance and Final Expense Insurance are the most commonly utilized life insurance policies to cover "final expenses" up to $50,000.
Variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance, are the most often utilized life insurance products to leave money to the family.
Contact a state-licensed life insurance professional for a consultation and advice on life insurance options available in Bastrop County.
A Texas life insurance agent: analyzes your needs, researches the locally available options that fit your needs, explains how the differences between the available options may affect your decision, and assists you with the application process. The use of a Texas insurance agent typically does incur additional cost to the insured.
