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Gonzales County

Driving in Gonzales County

The residents of Gonzales County, Texas, hadve at least 16,533 cars registered (in 2022). This figure represents around 0.07% of all vehicles registered in the state of Texas. Over 78% of Gonzales County drivers commute to work, and more than 31% commute for more than 30 minutes.
An estimated 20% of Texas drivers are uninsured, with possibly over 3,000 vehicles uninsured in Gonzales County alone.

Auto Insurance Analysis:

  1. Over 16 thousand automobiles registered in Gonzales County need insurance coverage. The required insurance coverage is based on the use of the automobile. Private Auto, Farm Auto, Farm Transportation, and Inland Marine are some types of auto insurance coverage.

  2. Auto Liability Coverage is required by Texas law. If you are caught driving without this minimum mandatory insurance, you will be fined, your vehicle may be seized, and your license may be suspended, depending on how many times you have violated this law.

  3. Uninsured Driver Coverage is becoming more and more important because of the number of uninsured drivers in Texas. Residents of Texas spend nearly $900 million every year on Uninsured and Underinsured Coverage.

  4. Most of the roads in Gonzales County are rural, and these kinds of roads have less traffic and less potential for vehicular collision. Meanwhile, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Gonzales County residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal.
    To discuss your auto insurance in Gonzales 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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Gonzales County Housing

Gonzales County has around 9,216 housing units, with homeowners occupying more than 67% of these units and renters accounting for 33% of the housing market. The average in Texas is closer to a 62/38 split. Gonzales County is tied with Caldwell County having the lowest homeownership rate in its region. Wilson County has the largest percentage of properties inhabited by the homeowners at 84%. The housing markets of the neighboring counties primarily consist of residences occupied by the homeowners.

More than one-fifth of the housing units in Gonzales County are experiencing housing issues due to overcrowding, issues withlack of plumbing, or issues with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Over 9 thousand housing units need insurance coverage in Gonzales County. Homeowner and Condo Insurance, and/or Business property insurance (for apartment complexes) are needed for these housing units for the protection of their investment from damage/loss.

  2. There are over 3 thousand rental units in Gonzales County, and landlords usually have Landlord Insurance which protects the property itself from the tenant's claims.

  3. Tenants should purchase Renters Insurance to protect their valuables from any damage or loss. Renters' insurance is typically inexpensive and covers the tenant's property against theft and damage caused by fire, smoke, water, and vandalism.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Gonzales 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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Gonzales County Health

In Gonzales County, 1 in 4 adults do not have proper health insurance. Among the neighbors, Caldwell County has the highest adult uninsured rate at 26%, with Gonzales County posting the second-worst figure in the group.

The highest uninsured adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County at just 11.4%. As of 2021, the average adult uninsured rate in Texas was around 20.7%.

Over one-fourth of Gonzales County’s adult residents are in poor health (≈4,000 residents).

There are more than 5,000 residents in Gonzales County that are physically inactive. , with 33% of adults are them being obese (with BMI over 30), which is moreless than the state average of 31.4%. Compared to the neighbors, Lavaca County has the highest percentage at 40%, while Fayette County has the lowest figure at 24%.

At leastOnly 1 health insurer in Gonzales County offers affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. The most important insurance coverage is Health Insurance, and over 4 thousand residents of Gonzales County do not have proper coverage.

  2. Texas is one of the states that allows different types of health insurance and additional supplemental plans to be sold. This makes it easier for Texans to choose the coverage that meets their unique needs. These coverages are Group or Individual Marketplace Affordable Care Act (ACA) health insurance, several types of Short-term insurance, Hospital Indemnity, Accident & Health, and so on.

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

  4. Short-term health insurance and the corresponding supplemental policies may give further savings if there are no pre-existing conditions.

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available to the residents ofin Gonzales County.

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Health Insurance in Texas

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Gonzales County Mortality and the End of Life Statistics

The average life expectancy for the residents of Gonzales County is around 77.5 years old, which is lower than the Texas average of 79.2. The county with the highest life expectancy among its neighbors is Guadalupe County at 80 years, while the lowest is in DeWitt County at 76 years old. The highest life expectancy in the state of Texas is seen in Presidio County at 88.8 years, and the lowest expected life span is in Donley County at 72.8 years old.

In 2022 there were an estimated 3,603 seniors (65 and older) residing in Gonzales County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have an active life insurance policy of any type.

  2. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy.

Motor Vehicle Fatalities in Gonzales County

Motor vehicle fatalities in Gonzales County statistically occur at a rate of 26.25 per 100,000 vehicles on the road: approximately 4-5 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported about 424 crashes in Gonzales County, with a resultant 13 fatalities. Alcohol has been determined to be the primary cause of fatal crashes in Gonzales County in approximately 20% of all driving fatalities.

Final Expenses – Gonzales County Funeral Home Cost

The average price of a funeral in Gonzales County is reported at almost $6,500, which is the highest cost in its area. Among the neighbors of Gonzales County, Caldwell County is the next county with the highest average funeral cost of almost $6,200, while Wilson County has the lowest figure at $4,800 - which is significantly lower than the state’s average of $6,200.

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

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, Gonzales County senior residents could be placing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of.

  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 commonly used life insurance policies to leave money to the family are the variations of: Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

Speak with a knowledgeable and licensed Texas insurance professional about life insurance options in Gonzales County.

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

Life Insurance in Texas

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