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Ellis County

Driving in Ellis County

Ellis County's highways are home to an estimated 156,028 private and commercial cars. This figure represents about 0.67% of all automobiles registered in the state of Texas.

About 82% of adult drivers drive alone to work in Ellis County, with more than half of those commutes lasting more than 30 minutes.

It is believed that approximately 20% of Texas drivers are uninsured, with 31,000 uninsured automobiles in Ellis County alone.

Auto Insurance Analysis:

  1. About 150,000 automobiles registered in Ellis County require insurance coverage. Private Auto, Commercial Auto, Auto Liability, Commercial Transportation, Inland Marine, and other types of insurance may be required depending on the type of vehicle and its intended purpose.

  2. Over 100,000 drivers are commuting daily, this is one of the reasons why auto insurance expenses in Ellis County are greater than those in less densely populated counties. There are more vehicles on the road when everyone drives their own car, which raises the chances of an accident. As the risk level rises, so does the premium pricing.

  3. Longer daily commutes affect almost 60,000 Ellis County residents, it raises the cost of auto insurance by increasing the amount of time a driver spends on the road and, as a result, increasing the odds of being involved in a car accident.

  4. Uninsured Driver Coverage is becoming increasingly critical in Texas, where 1 out of every 5 drivers is uninsured. Uninsured and underinsured motorist coverage costs Texans over $900 million per year.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas to discuss your auto insurance in Ellis County.

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Car Insurance in Texas

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Ellis County Housing

Ellis County, like the rest of Texas, is primarily occupied by homeowners, with over 73,115 dwelling units, of which 74% are occupied by homeowners and over 14% are rented. The adjacent counties are mostly made up of owner-occupied residences, with Kaufman County leading the way with a nearly 77% owner-occupied rate and Dallas having the lowest rate of 50.

In Ellis County, 1 out of every 7 dwelling units has been experiencing several housing concerns, such as:

  • Overcrowding,
  • lack of plumbing,
  • and kitchen issues.

Housing Insurance Analysis:

  1. Ellis County has over 73,000 housing units that need insurance coverage. At the very least all of them should carry Homeowners or Condo insurance, and/or Business property insurance (for apartment complexes), to safeguard their investment against loss or damages.

  2. With nearly 19,000 rental units in Ellis County, landowners are urged to purchase Landlord Insurance, to protect the property as well as the landlord from potential liability claims brought by renters.

  3. To protect their things from probable damage or loss, tenants are advised to purchase Renters insurance coverage. Renters' insurance is typically inexpensive and covers the tenant's belongings against theft as well as damage caused by fire, smoke, water, and vandalism. Renters insurance may be required by some Ellis County landlords as a condition of the lease.

  4. Ellis County sits inside the Tornado Alley, residents should be aware of the procedures and measures implemented by local agencies. In Ellis County, the months of March, April, and May have the highest chance of tornadoes. As a result, it is recommended for homeowners, landlords, and renters in Ellis County to obtain proper insurance policies against loss and damages.

Contact a Property & Casualty (P&C insurance licensed agent] in the state of Texas for consultation and guidance on Homeowners, Renters, Condo, Flood, and other types of insurance in Ellis County.

A Texas Property and Casualty Insurance Agent:

  • examines your requirements and constraints,
  • investigates the plans available in your area that meet your requirements,
  • offers you with the coverage alternatives that are accessible to you.
  • illustrates how the changes in the options influence you once you begin using each insurance product.
  • aids you in the application procedure

In most cases, the use of an agent’s services has no bearing on the cost of your insurance.

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Residential Insurance in Texas

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Ellis County Health

More than 1 in every 5 adults and 13% of all children lack health insurance in Ellis County. Dallas County has the highest adult uninsured rate among the adjacent counties, at 25%. With a rate of 17%, Kaufman County has the lowest adult uninsured percentage among the neighboring counties. Statewide, Gaines County has the highest number of uninsured adults at nearly 36%, while Loving County has the lowest rate, at only 11.4%. In Texas, the average adult uninsured rate was roughly 20.7% in 2021.

In Ellis County, more than 1 out of every 6 adults has health problems. Amounts to more than 26,000 people.

In Ellis County, 26% of the population does not engage in any form of physical activity.

Around 38% of Ellis County inhabitants are considered obese (with a BMI of 30 or more), which is higher than the Texas average of 31.4%. Dallas and Tarrant Counties have the lowest obesity rate among the bordering counties, with 31% of their population. While Kaufman and Johnson Counties have about 40% of adults who are obese.

At least 3 health insurers in Ellis County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage to obtain, and about 33,000 residents in Ellis County do not have it.

  2. Texas is one of the few states that allows the sale of various health insurance and supplemental products. This makes it easier for Texans to choose coverage that meets their unique needs (both medically and financially): ACA Marketplace health insurance, several types of Short-term insurance (up to three years in coverage), Hospital indemnity, Accident & Health, and so on.

  3. If health insurance is not obtained because it is too expensive, low-income consumers can apply for government subsidies, which can significantly reduce the cost of insurance.

  4. Short-term insurance can be a good way to save money if you don't have any pre-existing conditions. (After a year or more of coverage, some Texas multi-year short-term health insurance policies may cover certain pre-existing diseases).

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available in Ellis County.

A Texas Health Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the locally available plans that fit your needs,
  • provides you with the available options of coverage,
  • explains how the differences between the options affect you once you start using each insurance product,
  • assists you with the application process

The use of a Texas insurance agent is typically free of charge to the policyholder.

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Health Insurance in Texas

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Ellis County Mortality and the End of Life Statistics

Ellis County residents have an average life expectancy of roughly 78.6 years. Among the adjacent counties, Tarrant County has the longest life expectancy (79.3 years old), higher than the Texas’ average of 79.2 years. Henderson has the shortest life expectancy, with a lifespan of 74.9 years. Statewide, Presidio County records the highest life expectancy in Texas, at 88.8, while Donley County has the lowest, at 72.8 years.

In 2022, Ellis County's senior population (aged 65 and up) was estimated to be around 26,000 people.

Life Insurance Facts:

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

  2. Life insurance premiums are determined by the insured's age at the start of the policy. The younger you are when you purchase it, the more money you will save in premiums over the period of the policy.

Motor Vehicle Fatalities in Ellis County

In Ellis County, fatalities from motor vehicles occur at a rate of 13.92 per 100,000 vehicles on the road. This equates to at least 22 fatal collisions each year.

The Texas Department of Transportation (TxDoT) reported 2,838 collisions in Ellis County in 2020, with 42 fatal collisions and 49 resulting fatalities. Alcohol was confirmed to be the primary cause of fatal collisions in nearly 28% of Ellis County traffic fatalities.

Final Expenses – Ellis County Funeral Home Cost

The cost of a funeral in Ellis County varies greatly. While the average funeral cost in Texas is nearly $6,200, Ellis County has the lowest average funeral home price among its immediate neighbors (about $5,000). Dallas County tends to be the most expensive, with an average funeral cost of close to $9,000.

Life Insurance Analysis (continued):

  1. With 46% of Americans dying with less than $10,000 in savings, almost 12,000 Ellis County seniors may be putting an unnecessary and often unbearable financial strain on their family and friends. Rather than grieving their loss, the family must focus on figuring out how to pay. (Note: If you're paying for funeral services using life insurance, most funeral facilities demand that the policy be "assignable").

  2. Aside from the costs of burial, the departed frequently leave behind taxes and other debts for the family to deal with. This is why life insurance is also referred to as Love insurance.

  3. Term Life Insurance and Final Expense Insurance are the most commonly utilized life insurance policies to cover "Final expenses" up to $50,000.

  4. 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.

For consultation and advice about Homeowners, Renters, and Business property types of insurance in Edwards County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

The use of a Texas insurance agent typically does not incur any additional cost to the insured.

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

Life Insurance in Texas

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