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Gregg County

Driving in Gregg County

The highways of Gregg County are home to approximately 98,050 private and commercial vehicles. This figure represents approximately 0.42% of all vehicles registered in Texas.

More than 84% of drivers in Gregg County commute alone to work, with nearly 1 out of every 4 of those commutes taking more than 30 minutes on average.

According to estimates, 20% of Texas drivers are uninsured, resulting in a total of almost 20,000 possibly uninsured vehicles in Gregg County.

Auto Insurance Analysis:

  1. Gregg County has more than 98 thousand registered vehicles, all of which are required to be covered by auto insurance. It is possible that the type of insurance required will differ depending on the type of vehicle and its intended use, such as Private Auto, Commercial Auto, Non-owner Car Insurance, and so on. Liability coverage is required for each vehicle on the road.

  2. Having more than 61 thousand drivers commuting daily is one of the reasons why auto premium costs in Gregg County tend to be higher when compared to counties with a lower population.

3.  With 1 out 5 drivers uninsured in Texas, Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a consultation and advice on auto insurance in Gregg County.

Gregg County Housing

Gregg County's approximately 53,007 housing units are divided between homeowners (59%) and landlords (41%), similar to the rest of Texas where most homes are owner-occupied. The Texas state average is split almost 5-3 between homeowners and landlords respectively. Owners occupy the majority of the properties in the neighboring counties as well, with Upshur County leading the way with almost 79% of the housing being owner-occupied while Gregg County closing behind.

Nearly 1 in 6 housing units in Gregg County has housing concerns, such as overcrowding, a lack of plumbing, or kitchen troubles. Around 15% of households spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. There are over 53 thousand housing units in Gregg County that should have insurance coverage. It is recommended that they acquire at the very least Homeowners, Condo, and/or Business property insurance (for apartment complexes) to protect the owners of the property from loss or damage.

  2. With almost 22,000 rental units in Gregg County, landlords are encouraged to purchase Landlord Insurance, which protects the property as well as the landlord from potential liability claims brought by renters.

  3. To protect their things from possible damage or loss, tenants should purchase Renters insurance coverage. Theft and damage caused by fire, smoke, water, and vandalism are normally covered by standard renters' insurance. Some Gregg County landlords may make renter's insurance a condition of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a no-cost professional consultation and advice on home insurance in Gregg County.

Gregg County Health

Gregg County has a higher rate (≈22) of proper health insurance coverage compared to the Texas average (≈21%) and seems to have the lowest rate among its immediate neighbors. More than 1 out of 5 adults and over 11% of all children in Gregg County do not have proper health insurance coverage. Smith County (21%) has the second-highest rate of adult uninsured residents among neighboring counties, while Upshur County (<19%) has the lowest. Rusk County, on the other hand, has an adult uninsured rate that is exactly the same as the state's overall average. Gaines County has the highest uninsured adult rate in the state of Texas, at more than 36%, while Loving County has the lowest, at roughly 11%, across the state.

Almost 1 in 4 adults in Gregg County report problems with health. That is almost 21,000 people.

In Gregg County, over 23% of the residents do not participate in daily physical activity, which results in a slightly higher than normal level of obesity among the population.

Obesity is prevalent in Gregg County, with over 34% of residents having a BMI of 30 or higher, significantly higher than the Texas average of around 31%. Upshur County has the lowest obesity percentage among neighboring counties, with nearly 30% of residents obese, compared to Harrison and Rusk Counties, which had obesity rates of approximately 40-45%, in which may be considered obese.

At least 2 health insurers in Gregg County offer affordable and frequently subsidized ACA health insurance on and off the state health marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage and almost 24,000 residents of Gregg County lack this necessity.

  2. Texas is one of the states that allow residents to purchase a variety of health insurance and supplemental plans, making it easier for them to get coverage that fits each person’s particular set of needs: Marketplace ACA health insurance, various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, and others.

  3. If low-income residents are unable to purchase health insurance due to the high cost, they should apply for government subsidies, which can drastically reduce the cost of insurance. If you do not have any pre-existing problems, short-term insurance can be an excellent option to save money. (Note: Some short-term insurers may cover select pre-existing conditions after a year or more of coverage.)

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

A Texas health insurance agent analyzes your needs, researches the available options, explains the differences between those options, and assists you with the application process.

Gregg County Mortality and the End of Life Statistics

Gregg County residents report an average life expectancy of 75.5 years, which is lower than the state average of 79.2 years. Smith County has the longest life expectancy (78.1 years) among the neighboring counties, gaining nearly 3 years over Gregg County. Presidio County has the longest life expectancy in Texas, with an average of 88.8 years, while Donley County has the lowest, with an average of 72.8 years.

In 2022, the Gregg County senior (65+ years old) population was estimated at almost 20,000.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not own a life insurance policy.

  2. The premiums for life insurance are calculated based on the insured's age at the time of coverage's commencement. The younger you are when you acquire the policy, the more money you will save in premiums over the course of the policy's period of coverage.

Motor Vehicle Fatalities in Gregg County

Mortality rates from motor vehicle fatality deaths in Gregg County are 20.11 per 100,000 vehicles on the road. This translates to approximately 19-20 fatal crashes every year on average.

Texas Department of Transportation (TxDoT) reported 2,879 total crashes in Gregg County in 2020, with 27 fatalities as a result. A total of more than 22% of all driving fatalities in Gregg County are attributed to alcohol use as the primary cause of the accident.

Final Expenses - Gregg County Funeral Home cost

The cost of a funeral in and around Gregg County varies fractionally. The average cost of a funeral in Gregg County is approximately $6,500, making it one of the typical average costs in the surrounding area. Among the neighbors, Smith County has the highest average funeral cost, at over $7,600, while funeral homes in Rusk County have the lowest average funeral cost, at roughly $5,900. On the other hand, Upshur and Harrison Counties have similar average costs to Gregg County, as well as being near the Texas average funeral cost of $6,200.

Life Insurance Analysis:

  1. Considering that 46% of Americans die with less than $10,000 in savings, the expense of a basic funeral can be an issue for the family members and friends of almost 9,000 seniors in Gregg County. Rather than grieving their loss, the family may have to focus on figuring out how to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Beyond the costs of burial, the deceased frequently leave behind taxes and other debts for their loved ones to deal with after they pass away.

  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.

Contact a state-licensed life insurance professional for a consultation and advice on life insurance options available in Gregg County.

A Texas life insurance agent: analyzes your needs, researches the locally available options that fit your needs, explains how the differences between the available options may affect your decision, and assists you with the application process. The use of a Texas insurance agent typically does incur additional costs to the insured.