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Grimes County

Driving in Grimes County

Grimes County has an estimated 23,761 registered vehicles, which represents roughly 0.10% of all vehicles registered in the state of Texas.

In Grimes County, nearly 81% of adult drivers use their automobiles for commuting. Each working day, more than half of Grimes County's commuter vehicles spend at least 30 minutes on the road.

It is unlawful to drive in Grimes County, as well as the entire state of Texas, without liability car insurance, which serves as "proof of financial responsibility." With approximately 20% of Texas drivers uninsured, or underinsured, there could be nearly 5,000 of such vehicles in Grimes County alone.

Auto Insurance Analysis:

  1. Nearly 24 thousand vehicles are registered in Grimes County, all of which require some type of insurance coverage. The following insurance coverages may be necessary, depending on the type of vehicle and its intended use: Collision Coverage, Gap Coverage, Ride-Sharing Coverage, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc.

  2. With one in five drivers in Texas being uninsured, having Uninsured Driver Coverage is critical. By operating their vehicles without insurance, these high-risk drivers are considered a liability to other road users. If you are caught driving without insurance, you will face a fine. If you are a repeat offender your vehicle may be impounded, and your license may be suspended. To protect themselves from this threat, Texans spend around $900 million on Uninsured and Underinsured Auto Coverage annually.

Consultation and advice concerning auto insurance in Grimes County are available by speaking with a knowledgeable Texas Property & Casualty (P&C) insurance agent.

Grimes County Housing

Grimes County has approximately 11,931 housing units, leading the local area with over 76% of the homes occupied by homeowners versus just 24% by renters. The neighboring counties are also largely composed of owner-occupied homes, with two notable exceptions: Maddison and Washington Counties have the next highest homeownership rates after Grimes County at over 74%, significantly higher than the Texas average of around 62%. Meanwhile, Brazos County has the lowest homeownership rate among the neighboring counties, with just 47% of homes with live-in owners and 53% of real estate for rent. The runner up for the highest percentage of real estate for rent is in Walker County, where the split is 51/49 in favor of the owners.

In Grimes County, nearly 1 out of 7 housing units is having serious housing problems, such as:

  • Increasing housing cost
  • Lack of plumbing facilities
  • Overcrowding, or
  • Lack of proper kitchen facilities

Housing Insurance Analysis:

  1. Nearly 12 thousand housing units in Grimes County could use some type of insurance. At a minimum, all owners of these properties should obtain Homeowners, Condo, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from loss or damage.

  2. Nearly 3 thousand housing units are up for rent in Grimes County. Landlords of these properties can protect their investments by obtaining Landlord Insurance. If a tenant brings a liability claim against the landlord, the policy will protect the landlord financially.

  3. Additionally, tenants can protect themselves by getting Renters Insurance, which is significantly less expensive than homeowner's insurance. Renters insurance covers theft/loss of personal property and damage caused by vandalism, smoke, sewer backup, flooding, or fire. Additionally, it helps protect a tenant from liability in the event that someone is injured on the property. Typically, landlords in Grimes County will want renters to get insurance prior to signing the lease.

Consultation and advice concerning residential insurance coverage types in Grimes County are available by contacting a Texas licensed Property & Casualty (P&C) insurance agent.

A Texas P&C Insurance Agent:

  • analyzes your needs and limitations,
  • 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
  • does not affect your cost of insurance. (agent’s service is paid by the insurer)

Grimes County Health

The proper health insurance coverage rate in Grimes County is lower than the Texas state average. Almost 23% of Grimes County residents under the age of 65 do not have health insurance coverage, which is higher than the state-average of around 21%. Madison County has the highest adult uninsured rate (24%) among the neighboring counties, followed by Waller County (23.9%). Montgomery County, on the other hand, has the lowest rate of adult uninsured residents in the area, with around 17%. With a rate of 36% among adults under the age of 65, Gaines County has the highest uninsured rate in the state, while the lowest is found in Loving County (11.4%).

Nearly 1 in 4 adults (almost 6,000) in Grimes County report having health disorders.

30% of the population of Grimes County does not engage in any form of physical activity on a regular basis.

Around 41% of Grimes County residents are considered obese (with a BMI of 30 or more), making it the highest among its neighboring counties, which is also significantly higher than the Texas average of 31.4. Among the neighboring counties, Montgomery County reports the lowest obesity rate (29%).

At least 4 health insurers in Grimes County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most critical type of insurance coverage, yet nearly 6,000 people in Grimes County do not have this essential coverage.

  2. Texas is one of the states that permits the sale of a variety of health insurance and supplemental products. This makes it easier for Texans to find coverage that meets their individual requirements (both medically and financially): Marketplace ACA health insurance, various types of Short-term insurance (up to three years of coverage), Hospital Indemnity, Accident & health insurance, and so forth.

  3. If low-income consumers are unable to obtain health insurance due to financial constraints, they are usually recommended to apply for government subsidies, which can significantly reduce the cost of insurance.

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

Consultation, advice, and assistance in purchasing health insurance in Grimes County are available by discussing it with a knowledgeable health insurance agent licensed in the state of Texas.

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

Grimes County Mortality and the End of Life Statistics

Grimes County's average life expectancy is 76.7 years, lower than the Texas state average of 79.2. Among Grimes County’s neighbors, Brazos County has the highest life expectancy, at 81 years, while Madison County has the lowest, at 75.9. Presidio County, with an average age of 88.8 years, has the highest life expectancy in the state, while Donley County has the lowest, with an average age of 72.8 years.

In 2022 there were more than 5,000 seniors (65 and older) residing in Grimes County.

Life Insurance Facts:

  1. According to research in 2021, about 48% of Americans did not have any life insurance coverage.

  2. Premiums for life insurance are determined by the insured's age at the time the policy begins. This means that the younger you are when you get coverage, the more money you can save in the long run on premiums.

  3. Basic life insurance is relatively inexpensive and ensures that the individual's beneficiaries receive the agreed-upon death payments.

Motor Vehicle Fatalities in Grimes County

Traffic fatalities in Grimes County occur at a rate of 25.70 per 100,000 vehicles on the road, resulting in an annual total of approximately 6 fatal crashes.

532 crashes were reported in Grimes County by the Texas Department of Transportation (TxDoT) in 2020, with a total of 11 fatalities as a result. Alcohol was confirmed as the primary contributing factor in 30% of fatal crashes in Grimes County.

Final Expenses – Grimes County Funeral Home Cost

Funeral expenses differ from county to county based on issues such as the transportation of remains, cost of a casket, and the chosen service. In 2022, the total cost of a funeral in Grimes county was estimated at $6,400, which is above the state average of $6,200. Among the neighbors of Grimes County, Montgomery County reports the highest average funeral cost, of over $7,300, while Washington and Brazos Counties funeral homes may be found for nearly the same price as the state’s average of $6,200. Waller County tends to have the lowest average cost in the area, at approximately $5,000.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, seniors could be placing the unnecessary and frequently unbearable financial burden on family and friends. The family's primary focus could be on resolving the debt, instead of mourning their loss. (Note: If you are paying for funeral services using life insurance, most funeral houses require that the policy be "assignable.")

  2. In addition to the cost of the funeral, the deceased often leave their loved ones with the financial weight of unpaid taxes and bills.

  3. Term Life Insurance and Final Expense Insurance are two policies that can help you cover “final expenses”, usually as high as $50,000.

  4. For common insurance policies that ensure you leave money behind for your relatives, consider Term Life Insurance, Whole Life insurance, and Indexed Universal Life (IUL) insurance.

To find out more about life insurance options in Grimes County, speak with a knowledgeable licensed Texas life insurance professional with access to multiple insurers and plan types.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.