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Coryell County

Driving in Coryell County

Coryell County recorded approximately 60,865 commercial and private vehicles. This number accounts for ≈0.3% of all automobiles that have been registered in Texas.

It turns out that carpooling isn’t too popular in Coryell County as reports suggest that 3 out of 4 adult drivers commute to work by themselves, and 1 out of 4 of these trips take at least half an hour to complete.

It is estimated that 20% of the drivers in Texas do not have auto insurance, and over 12,000 vehicles in Coryell County alone may not have any type of coverage, which is illegal.

Auto Insurance Analysis:

  1. Coryell County has well over 60 thousand registered automobiles, and they all require some kind of auto insurance coverage. Gap Coverage, Comprehensive Auto, and Commercial or Farm Transportation are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them.

  2. Uninsured Driver Coverage is increasingly becoming more vital since 20% of the drivers in Texas don’t have auto insurance. Texans spend a total of almost $900 million every year for Uninsured and Underinsured Auto Coverage costs.

  3. Almost 13 thousand drivers in Coryell County spend extended periods behind the wheel on a daily basis, and this drives auto insurance premiums up. The longer cars are on the road, the higher the probability of them getting involved in a traffic accident.

For consultation and advice about auto insurance in Coryell County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Coryell County Housing

The housing market in Coryell County (estimated at 27,703 units in 2022) is split between homeowners (58%) and landlords (42%). The number of housing units registered in the county as of 2022 was approximately 27,703 units.

Studies say that 12% of the homes in Coryell County experience issues such as overcrowding, substandard plumbing, or problems with the kitchen. In approximately 15% of homes, residents spend half of their income on housing costs.

Housing Insurance Analysis:

  1. More than 27 thousand homes in Coryell 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 underlying financial investment from damage or even loss.

  2. With more than 11,600 units for rent, landlords are advised to obtain Landlord Insurance coverage for protection against possible liability claims from their tenants.

  3. Tenants should have a Renters Insurance coverage as most landlords will include it as a requirement for their lease conditions. Additionally, it can provide protection from theft and damages caused by fire, smoke, water, and vandalism.

For consultation and advice about homeowners insurance or Renters insurance in Coryell County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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Coryell County Health

It is estimated that 16% of the residents in Coryell County do not have any kind of health insurance, and this statistic includes children. This figure is not too bad considering that the Texas average for uninsured individuals is 21%.
Looking at its neighboring counties, Coryell County has the lowest percentage, while Hamilton County has the highest uninsured rate at 25%.

Nearly 1 out of 4 residents in Coryell County is physically inactive, which led to an obesity rate of 31%, equalling the state average. This percentage is not far off from Lampasas and McLennan Counties’ 34% obesity rate, which is the highest figure in the area. Hamilton County, on the other hand, has the lowest rate at 25%.

Statewide, Gaines County has the highest adult uninsured rate at nearly 36%, while Loving County proudly has the lowest percentage at just 11.4%. As of 2021, the average adult uninsured rate in Texas was approximately 20.7%.

At least 4 health insurers in Coryell County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. It goes without saying that health insurance is the most vital insurance coverage, but despite this fact, more than 11 thousand residents of Coryell County lack proper coverage.

  2. The sale of multiple types of health insurance and supplemental products is legally allowed in Texas. So securing coverage that fits their specific needs (both medically and financially) is much easier. Texans can take out Group of Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Many Texans find health insurance expensive, but individuals who cannot afford a policy can apply for a government subsidy to significantly decrease the total cost.

  4. Short-term Insurance can save you some 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.)

For consultation and advice about health insurance in Coryell County, contact a health insurance agent licensed in the state of Texas.

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Health Insurance in Texas

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Coryell County Mortality and the End of Life Statistics

The average life expectancy of a resident living in Coryell County is 77 years old, which is a few years short of the Texas average of 79 years old. Among its neighbors, Lampasas County has the highest average at 79 years, equalling the statewide figure, while Hamilton County has the lowest rate, at 75 years old.

In the state of Texas, Presidio County has the highest average at 89, and Donley County has the lowest life expectancy at 73 years old.

In 2022, there were around 8,191 seniors (65 and older) living in Coryell County.

Life Insurance Analysis:

  1. In 2021, 48% of Americans did not take out a life insurance policy.

  2. Young adults falsely believe that life insurance has nothing to do with them. However, getting a policy at a younger age can save them money on the premiums because the probability of them dying is quite small.

  3. More or less 1 out of 5 Coryell County residents smoke, and this habit will spike up the premiums of well over 10 thousand residents. A smoker’s life insurance premiums are around four times more expensive than a non-smoker's, as their life expectancy is deemed shorter unless they change their habits.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can withdraw the funds and spend it however they want.

Motor Vehicle Fatalities in Coryell County

Motor vehicle fatalities in Coryell County occur at a rate of 14.4 per 100,000 vehicles on the road, averaging 8 to 9 crashes per year.

Back in 2020, the Texas Department of Transportation (TxDoT) reported 745 crashes in Coryell County, which led to 13 deaths. Around 34% of fatal car crashes in the county involved alcohol.

Final Expenses – Coryell County Funeral Home Cost

The average cost of a modest funeral in Coryell County is a little over $6,200, which is similar to the statewide average. Among its next-door neighbors, Bell County has the most expensive average at $6,600, while McLennan tends to be the cheapest at $5,500.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a standard burial for almost 4 thousand Coryell County residents could fall on the shoulders of the deceased person’s friends and family. Instead of mourning their loved one’s passing, they might have to focus on figuring out how to pay for the funeral.

  2. On top of burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.

  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 variations of Term Life Insurance and Permanent Life Insurance.

Reach out to a life insurance agent licensed in the state of Texas to get advice regarding life insurance in Coryell County and help lighten the load for your family.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.

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

Life Insurance in Texas

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