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

DeWitt County

Driving in DeWitt County

There are approximately 15,872 registered vehicles in DeWitt County for both commercial and personal use. These vehicles constitute approximately 0.07 percent of all registered vehicles in Texas.

Daily, more than 81% of DeWitt County drivers drive alone to work, with nearly half of those commutes lasting more than 30 minutes.

Uninsured vehicles account for approximately 20% of all vehicles in Texas. This implies that there could be, nearly 3,000 vehicles in DeWitt County may be uninsured or underinsured.

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

Auto Insurance Analysis:

  1. Auto insurance is required for nearly 6,000 vehicles in DeWitt County. Private Auto Insurance, Commercial or Farm Auto 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.

  2. At least Liability Coverage is required from every vehicle owner in Texas. This would cover the costs for the repair of the other driver’s vehicle and/or hospital bills if you were proven to be at fault for the accident.

  3. Uninsured Driver Coverage is becoming increasingly important in Texas because one out of every five drivers is uninsured or underinsured. Every year, Texans spend more than $900 million on Uninsured and Underinsured Motorist coverage.

Contact a Texas-licensed Property & Casualty insurance agent if you need Auto insurance in DeWitt County.

DeWitt County Housing

DeWitt County has approximately 9,325 housing units which are divided between homeowners (73%), and renters (27%). This is similar to the rest of Texas, where the majority of homes are occupied by their owners (62%). The neighboring counties are mostly made up of owner-occupied homes as well, with Goliad County having the highest homeownership rate with over 80%, while Victoria County has the lowest rate of homes inhabited by the owners at 66% followed by Gonzales County with 67%.

Overcrowding, issues with f plumbing, and/or unsatisfactory kitchen conditions affect almost 1 out of 7 homes in DeWitt County.

Housing Insurance Analysis:

  1. DeWitt County residents need property insurance for more than 9,000 housing units. All housing units should have Homeowner's Insurance to protect the owner's property from loss or damage (Homeowners or Condo). Business Property insurance protects apartment complexes, while condo association buildings themselves are covered by Business Condo Association Insurance.

  2. DeWitt County has almost 3,000 rental units, all of which should be insured. Landlord Insurance protects both the property and the owner from potential liability claims.

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

Contact a Property & Casualty insurance agent licensed in the state of Texas for consultation and advice on Homeowners insurance or Renters insurance in DeWitt County.

DeWitt County Health

With nearly 19 percent uninsured, DeWitt County's health insurance rate is the third-best among its peer counties. This figure is lower than the 21% state average (in 2021). Gonzales County has the highest uninsured rate among neighboring counties with 25% of residents lacking proper health insurance. Goliad County, on the other hand, has the lowest rate of uninsured residents at around 17%. Gaines County has the highest rate of uninsured adults in Texas with almost 36%, while Loving County has the lowest figure at around 11%.

Nearly 1 in 4 adults in DeWitt County has a health problem, and approximately 32% of the population are physically inactive, contributing to 26% of the population being obese. This figure is lower than the Texas average of 32%. Lavaca County has the highest obesity rate among the neighboring counties with 40% followed by Victoria County with 37%. On the other hand, DeWitt County has the lowest obesity rate followed by Karnes County with 27%.

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

Health Insurance Analysis:

  1. The most important type of insurance is health insurance, and more than 3,000 DeWitt County residents do not have proper health insurance coverage.

  2. Texas is one of the states that offers a broader range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-Compliant Group or Individual Marketplace Health Insurance, various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident and Health Insurance, and so on.

  3. Health insurance can be prohibitively expensive, especially for those on low incomes. So, they should apply for government subsidies, which can significantly reduce the cost of insurance. If you do not have any pre-existing conditions, Short-Term Insurance may be an option. (Note: After a full year of coverage, some multi-year short-term plans may cover specific pre-existing conditions.)

Contact a Texas-licensed health insurance agent if you need consultation and advice on health insurance in DeWitt County.

DeWitt County Mortality and the End of Life Statistics 

DeWitt County residents’ average life expectancy is estimated to be at 76.1 years old, which is lower than the Texas state average of more than 79 years old. It is also the shortest figure in its region.

Goliad County residents appear to have the longest life expectancy among neighboring counties, at more than 80 years old. Karnes County residents, on the contrary, have the second-shortest lifespan at 76.5 years. Presidio County has the state's highest average life expectancy rate, at nearly 89 years old. Donley County has the lowest average life expectancy at 73 years old.

DeWitt County had over 4,000 senior (65 and older) residents in 2022.

Life Insurance Facts:

  1. In 2021, 48% of Americans lacked any type of active life insurance policy.

  2. Life insurance premiums are calculated based on the insured's age at the start of the policy, among other factors. So, the younger you are when you purchase it, the less you will have to pay in premiums over the policy period.

Motor Vehicle Fatalities in DeWitt County

Yearly, roughly 3 fatal crashes occur on DeWitt County roads, with a fatal crash rate of 18.13 per 100,000 vehicles on the road.

According to the Texas Department of Transportation (TxDoT), DeWitt County had 283 crashes in 2020, with 5 people killed. Nearly a quarter of all traffic fatalities were caused by alcohol.

Final Expenses - DeWitt County Funeral Home Cost

A traditional funeral service in Texas can cost anywhere between $5,000 and $12,000, which includes the basic service fees, casket, embalming, transportation, viewing, and burial. The average cost of a funeral service in Texas is $6,200, while the cost of a funeral service in DeWitt County is around $7,400. Victoria County has over $7,000 and Goliad County is at $7,000 average funeral home cost.

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

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that some DeWitt County senior residents may be placing an undue burden on their family and friends with basic funeral expenses. Instead of grieving the loss of a loved one, the family must find a way to pay.

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

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