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Gillespie County

Driving in Gillespie County

There are 21,324 private and commercial vehicles that call the roads of Gillespie County their home. This amounts to approximately 0.09% of all the cars registered in the entire state of Texas.

Around 72% of adult drivers travel to work alone in Gillespie County, and over 22% of those commutes last for over half an hour.

Approximately 20% of Texas drivers are uninsured, and over 4,000 vehicles in Gillespie County alone may be uninsured.

Auto Insurance Analysis

  1. More than 21 thousand registered vehicles in Gillespie County require some type of insurance coverage. What kind depends on the type of vehicle and usage. The options for auto insurance may be: Commercial or Farm Transportation, Commercial or Farm Auto, Auto Liability, Comprehensive Coverage, Inland Marine, Gap Coverage, etc.

  2. Uninsured Driver Coverage is becoming increasingly crucial, with 1 out of 5 drivers uninsured in Texas. Texans spend nearly $900 million each year to pay for Uninsured and Underinsured Auto Coverage.

To learn more about your auto insurance in Gillespie 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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Gillespie County Housing

Much like most of Texas, Gillespie County’s 13,547 (est.) housing unit market is dominated by homeowner-occupied properties with 72% versus 28% for Renters. The neighboring counties also mainly consist of homes occupied by the owners, with Blanco County leading at roughly 79% owner-occupied rate while Mason and Kerr Counties have the least live-in owners, offering nearly 30% of housing units for rent.

Approximately 1 out of 6 housing units in Gillespie County encounter housing problems like plumbing issues, overcrowding, or kitchen problems. In about 15% of homes, residents spend more than half of their income on housing alone.

Housing Insurance Analysis

  1. Over 13 thousand housing units in Gillespie County need insurance coverage. All owners of these properties should have Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) to safeguard the underlying financial investment from possible damage or loss.

  2. With nearly 4 thousand homes in Gillespie County as rentals, landlords obtain Landlord Insurance, which covers the property itself and the possible liability claims arising from the tenants.

  3. To safeguard their property from possible damage or loss, tenants are generally advised to obtain Renters Insurance coverage. Average renters’ insurance is affordable and usually covers the tenant’s belongings from theft and damages caused by smoke, fire, water, and/or vandalism. Renters Insurance is one of the lease conditions from some landlords in Gillespie County.

For inquiries and other information about Homeowners, Renters, Condo, Flood and different types of insurance in Gillespie County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

A Texas P&C Insurance Agent:

  • Examines your needs and limitations
  • Explores the plans in your area that best suit your needs
  • Lays out available options of coverage
  • Describes the effect of the different options once the insurance policy becomes active
  • Helps you with the process of application
  • Does not influence your cost of insurance. (agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Gillespie County Health

Gillespie County is rated the second-worst within its neighboring counties in terms of proper health insurance coverage. Together with Kerr and Kimble County, roughly 24% of their respective populations do not have proper coverage. Roughly 17% of children in Gillespie County do not have health insurance coverage. Among the peer counties, Mason County holds the highest uninsured rate at 29%, while Kendall County has the lowest percentage at 17%.

The highest uninsured adult rate in the state of Texas is in Gaines County with approximately 36%, while Loving County has the lowest at 11.4%. As of 2021, Texas's average adult uninsured rate was around 20.7%.

Nearly 18% of adults (3,800 residents) in Gillespie County report problems with their health.

Approximately 28% of the Gillespie County residents do not engage in physical exercise activities, which may be one of the reasons why 24% of residents are also considered obese (with a BMI of 30 or more). This percentage is lower than the Texas average (31%). Among the neighboring counties, Kendall County holds the highest rate of obesity (34%), while Blanco County has the lowest - 22%.

At least two health insurers in Gillespie County provide less expensive and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis

  1. Almost 5 thousand residents of Gillespie County do not have the most crucial insurance coverage, which is Health insurance.

  2. Multiple types of health insurance and supplemental products are offered in Texas. Residents of Texas have the convenience of obtaining coverage that fits their specific needs (both medically and financially); Group or Individual Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Low-income consumers are advised to apply for government subsidies, which can substantially lower the cost of insurance.

  4. Short-term insurance may provide an alternative option if you do not have a pre-existing condition. (*Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Talk with a state-licensed Texas health insurance professional with access to multiple health insurance options available in Gillespie County.

A Texas Health Insurance Agent:

  • Examines your needs and limitations
  • Explores the plans in your area that best suit your needs
  • Lays out available options of coverage
  • Describes the effect of the different options once the insurance policy becomes active
  • Helps you with the process of application
  • Does not influence your cost of insurance. (agent’s service is usually paid by the insurer)
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Health Insurance in Texas

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Gillespie County Mortality and the End of Life Statistics

Gillespie County residents have an average life expectancy of 80.7 years old, slightly higher than the Texas average of 79.2. Kendall County shows the longest life span at 81.6 years among the nearby counties, while Kimble County has the shortest life expectancy at 75.3 years. Presidio County has the highest life expectancy in Texas at 88.8 years, while Donley holds the lowest expected life span at 72.8 years old.

More than 8,000 seniors (65 and older) lived in Gillespie County in 2022.

Life Insurance Facts:

  1. An average of 48% of Americans did not have any kind of life insurance policy in 2021.

  2. You can save more money if you get a life insurance policy at a younger age. Premiums are based on the age of the insured when the policy begins, among other factors

Motor Vehicle Fatalities in Gillespie County

Motor vehicle fatalities in Gillespie County occur at a rate of 20.3 per 100,000 vehicles on the road, averaging four fatal crashes per year.

In 2021, Texas Department of Transportation (TxDoT) reported 413 crashes in Gillespie County, resulting in 5 fatalities. Alcohol is determined as the main factor for the fatal crashes in Gillespie County in over 26% of the total vehicular fatalities.

Final Expenses - Gillespie County Funeral Home Cost

There is a drastic difference between funeral expenses in and around Gillespie County. The average funeral cost is around $5,000, which is significantly less than the state average of $6,200. Among the neighbors, Blanco County has the highest average funeral cost at about $9,000, while Kerr County has the lowest with $3,000.

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

Life Insurance Analysis

  1. 46% of Americans die with less than $10,000 savings, which means almost 4 thousand Gillespie County senior residents could be placing an additional financial burden of funeral costs on their families. Those affected may not have any time to grieve as they need to find ways to pay for the funeral. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable.”)

  2. Aside from the burial cost, the family may also need to take care of the unpaid taxes and other debts that the deceased left. Life insurance is love insurance.

  3. The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term life insurance and Final Expense Insurance.

  4. The most common life insurance policies to leave money to the family are Term Life Insurance and variations of Permanent (Cash Value) Life Insurance: Whole, Indexed Universal Life, and others.

Talk to a licensed Texas insurance professional who has access to multiple life insurance options in Gillespie County. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.

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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