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Galveston County

Driving in Galveston County

There are an estimated 274,259 private and commercial automobiles on Galveston County's roads. This equates to around 1% of all automobiles registered in Texas.

In Galveston County, almost 82% of drivers drive alone to work, with more than half of those journeys lasting more than 30 minutes.

Uninsured drivers account for 20% of Texas drivers, with possibly around 55,000 vehicles uninsured in Galveston County alone.

Auto Insurance Analysis:

  1. Over 270,000 vehicles are registered in Galveston County, all of which require insurance. The sort of insurance required is determined by the vehicle's make and model, as well as its intended use. Private Auto, Commercial Auto, Auto Liability, Commercial Transportation Inland Marine, and so on are all options.

  2. Over 175,000 individuals traveling every day is one of the reasons why Galveston County's vehicle insurance premiums are higher than in less densely populated counties. The likelihood of an accident increases as the number of cars on the road increases, and as the risk increases, so do premium rates.

  3. Long daily commutes affect more than 88,000 Galveston County automobiles, raising the cost of auto insurance since the length of time a driver spends on the road raises the risk of a car accident.

  4. In Texas, where one out of every five drivers is uninsured, uninsured driver coverage is becoming increasingly important. Texans pay nearly $900 million each year in uninsured and underinsured driver coverage.

Contact a Texas-licensed Property & Casualty (P&C) insurance agent to discuss your auto insurance in Galveston County.

Galveston County Housing

Like the rest of Texas, the majority of Galveston County's 161,316 housing units are owner-occupied. Galveston County housing is split between homeowners (68%) and renters (32%), higher homeowner’s rate compared to the Texas state average closer to 62/38 split. Chambers County, with almost 83% of the surrounding counties that are primarily owner-occupied, is in the lead. While Harris County is behind with 55% homeownership.

Almost 1 in every 7 housing units in Galveston County experiences housing problems such as high housing cost, overcrowding, lack of plumbing, or several kitchen issues.

Housing Insurance Analysis:

  1. Almost 160,000 dwelling units in Galveston County require insurance coverage. They should all have Homeowners or Condo insurance and/or Business property insurance (for apartment complexes) at the absolute least, to safeguard the underlying financial investment from loss or damage.

  2. With approximately 50,000 rental units in Galveston County, landlords are encouraged to purchase Landlord Insurance, to protect the property as well as themselves from potential liability claims brought by renters.

  3. Tenants are encouraged to acquire Renters Insurance coverage to protect their belongings from damage or loss. Standard renters' insurance usually covers theft and damage caused by fire, smoke, water, and vandalism. Some landlords in Galveston County may make renters insurance a condition of the lease.

  4. Due to its proximity to the Gulf of Mexico, Galveston County is one of the most vulnerable areas in the state to being hit by a stray storm or hurricane. In addition to being prepared and knowing what to do in the event of a major hurricane in Galveston County residents need to understand how the danger of a hurricane affects their home insurance coverage.

A Texas-licensed Property & Casualty (P&C) insurance agent can help you with your home insurance needs.

Galveston County Health

With 1 in 6 adults and 11% of children without health insurance, Galveston County has one of the lowest uninsured rates among its surrounding counties (≈17%). With a rate of more than 24%, Harris County has the highest adult uninsured rate among adjacent counties. On the other hand, Chambers County has the lowest uninsured rate with under 16%. Statewide, Gaines County has the highest proportion of uninsured adults (almost 36%), while Loving County has the lowest rate (11.4%). The average adult uninsured rate in Texas was at 20.7 percent in 2021.

In Galveston County, about 1 out of every 5 adults has health difficulties.

Nearly 26% of Galveston County citizens do not participate in any type of physical exercise. In comparison to the surrounding counties, it has the highest obesity percentage among its population (≈ 35%), which is higher than the Texas average of 31.4%. Harris County has the lowest obesity rate among adjacent counties, at nearly 30%.

Galveston County has at least 3 health insurers that offer ACA health insurance that is both affordable and regularly subsidized, both on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important type of insurance, and almost 52,000 people in Galveston County do not have it.

  2. Texas is one of the states that allows residents to purchase a variety of health insurance and supplemental products, making it easier for them to get coverage: ACA Marketplace health insurance, Various types of Short-term insurance (with up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Consumers with low incomes are encouraged to apply for government subsidies that will significantly reduce the cost of insurance.

  4. Short-term insurance might be a good way to save money if there are no pre-existing conditions. (After a year or more of coverage, some Texas multi-year short-term health insurance policies may cover certain pre-existing conditions.)

For a consultation and information on health insurance in Galveston County, contact a qualified health insurance agent in the state of Texas.

A Texas Health Insurance Agent:

  • analyzes your needs and restrictions,
  • gathers information on the locally available plans that suit your needs,
  • provides you with the available options of coverage,
  • explains how the variations between the options affect you once you begin using each type of insurance
  • assists you with the application process

Galveston County Mortality and the End of Life Statistics

Galveston County residents have an average life expectancy of 78 years, which is the lowest among its neighbors and a year less than the Texas average of 79.2 years. With a life expectancy of 79.9 years, Denton County has the highest life expectancy among the adjacent counties.

As of 2022, Galveston County had an estimated 51,960 senior (65 and older) residents.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have any 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 life of the policy.

Motor Vehicle Fatalities in Galveston County

Motor vehicle fatalities occur at approximately 13.33 per 100,000 cars on the road in Galveston County. This equates to 36-37 fatal crashes every year.

According to a report from the Texas Department of Transportation (TxDoT), in 2020 Galveston County had 6,479 crashes, resulting in 39 fatalities. Several variables contribute to these occurrences, including the large number of traffic in the region, and almost 1/3 of these deaths were tied to drinking and driving.

Final Expenses — Galveston County Funeral Home Cost

Funeral prices vary by county and are influenced by variables such as the transportation of the deceased, the cost of the coffin, and the style of service selected. Funeral expenses in Galveston County average $6,500, which is higher than the state average of $6,200. Among the neighboring counties, Harris County appears to have the most expensive average funeral cost, at over $8,000, while Chambers County may be found the most affordable at under $6,000.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, almost 24,000 Galveston County senior residents could be placing the unnecessary and frequently unbearable financial burden on family and friends.

  2. Aside from funeral costs, the deceased typically leave unpaid taxes and other debts to their loved ones.

  3. The most often utilized life insurance products to cover "final expenses" up to $50,000 are Term Life Insurance and Final Expense Insurance.

  4. Term Life Insurance and Whole Life insurance, especially Indexed Universal Life (IUL) insurance and Final Expense, are the most commonly used life insurance policies for leaving money to family members.

For a consultation and advice about life insurance in Galveston County, contact a Texas-licensed life insurance agent.

A Texas Life Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the available plans in your area that meet your needs,
  • provides you with information about the various types of coverage available,
  • discusses how the distinctions between available choices influence you once you begin using each type of insurance, and
  • assists you through the application process

The use of a Texas insurance agent is usually free-of-charge to the insured.