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Hays County

Driving in Hays County

Approximately 197,445 vehicles are registered in Hays County for both commercial and private use. These registered vehicles make up nearly one-hundredth of all registered vehicles in Texas.

Almost 80% of adult drivers in Hays County commute to work every day, with more than half of those commutes lasting more than 30 minutes.

Over 20% of Texas vehicles are uninsured, implying that there could be nearly 40,000 uninsured or underinsured vehicles in Hays County.

Car insurance is required in Texas as "proof of financial responsibility", and driving without it is illegal.

Auto Insurance Analysis:

  1. Hays County has approximately 200,000 registered vehicles that require auto insurance. Private auto insurance, commercial or farm auto insurance, auto liability insurance, commercial inland marine insurance, and so on are all required. Auto insurance may also be affected by the type of vehicle and its intended use.

  2. Longer daily commutes can increase auto insurance costs by increasing the amount of time a driver spends on the road. The longer a driver is on the road, the more likely he or she will be involved in a car accident. To summarize, the cost of auto insurance is influenced by the level of risk.

  3. The majority of Hays County residents drive alone, which adds to traffic congestion and raises insurance premiums.

  4. Uninsured Driver Coverage is becoming increasingly important in Texas because one out of every five drivers is either uninsured or underinsured. Every year, Texans spend over $900 million on Uninsured and Underinsured Motorist coverage.

Contact a Property & Casualty insurance agent licensed in the state of Texas if you need consultation and advice on Auto insurance in Hays County.

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Car Insurance in Texas

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Hays County Housing

Hays County's approximately 95,364 housing unit market is split between homeowners (62%) and renters (38%), similar to the Texas state average of closer to 62/38 split. The surrounding counties are mostly made up of owner-occupied homes as well, with Blanco County leading the way with nearly 79% homeownership and Travis County trailing behind with only 52%.

Overcrowding, a lack of plumbing, and/or poor kitchen conditions affect nearly 1 in 5 housing units in Hays County.

Housing Insurance Analysis:

  1. Hays County should insure approximately 100,000 housing units. To protect the owner's property against loss or damage, all housing units should be covered by homeowner's insurance (Homeowners or Condo). Business Property insurance protects apartment complexes and condo associations.

  2. Hays County has over 36,000 rental units, which property owners should insure with Landlord Insurance. Landlord insurance safeguards the property and its owner against potential liability issues.

  3. Renters Insurance is typically purchased by tenants to protect their belongings from potential damage or loss. The standard Renter's Insurance covers theft and damage caused by water, fire, smoke, and vandalism. As a condition of the lease, landlords may also require renter's insurance.

Contact a Property & Casualty insurance agent licensed in the state of Texas for consultation and advice on Homeowners insurance or Renters insurance in Hays County.

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Residential Insurance in Texas

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Hays County Health

Hays County has lower health insurance rates than the state average. Uninsured adults and children account for approximately 17% of the population. This figure is lower than the state average of 20.7% (in 2021). Caldwell County ranks first among neighboring counties in terms of residents without health insurance, with an uninsured rate of about 24%. Comal County, on the other hand, has the lowest uninsured rate, at around 15%. Gaines County, on the other hand, has the highest uninsured adult rate in Texas, nearing 36%, while Loving County has the lowest, around 11%.

Almost one out of every six adults in Hays County has a health problem. Around 17% of the population is physically inactive, contributing to a 32% obesity rate, which is similar to the Texas average of 32%. Caldwell County has the highest obesity rate of any peer county, accounting for 39% of its total adult population. Blanco County, on the other hand, is said to have the lowest obesity rate among its neighbors, at 22%.

There are at least 4 insurers in Hays County that offer affordable and regularly subsidized ACA health insurance, in and out the state marketplace.

Health Insurance Analysis:

  1. The most vital form of insurance is health insurance, and nearly 40,000 Hays County residents do not have it.

  2. Texas is one of the states in the country that offers a broader range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-compliant Group and Individual marketplace health insurance, various types of short-term insurance (up to 3 years in coverage), hospital indemnity, accident and health, and so on.

  3. Health insurance can be extremely costly, especially for those on low incomes, so they should apply for government subsidies, which can significantly reduce the cost of insurance. If you do not have any pre-existing conditions, short-term insurance may be an option. (Please keep in mind that after a full year of coverage, some multi-year short-term plans may cover specific pre-existing conditions.)

Contact a health insurance agent licensed in the state of Texas if you need consultation and advice on health insurance in Hays County.

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Health Insurance in Texas

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Hays County Mortality and the End of Life Statistics

The average life expectancy in Hays County is estimated to be around 80.7 years old, which is higher than the Texas state average of 79.2 years old. Travis County has the longest life expectancy among neighboring counties, at 81.9 years old, more than a year longer than Hays County, while Caldwell County has the shortest, at 77.3 years old. Presidio County, on the other hand, has the highest average life expectancy rate in Texas, at 88.8 years. With a life expectancy of 72.8 years, Donley County has the lowest life expectancy.

In 2022, Hays County had nearly 29,000 senior (65 and older) residents.

Life Insurance Facts:

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

  2. Life insurance premiums are based on the insured's age at the start of the policy, so the younger you are when you get it, the less you will have to pay in premiums over the course of the policy period.

Motor Vehicle Fatalities in Hays County

Each year, approximately 22-23 fatal crashes occur on Hays County roads, at a rate of 11.63 per 100,000 vehicles on the road.

Hays County had 2,532 crashes in 2020, with 29 fatalities, according to the Texas Department of Transportation (TxDoT). Nearly 38% of all traffic fatalities were caused by alcohol.

Final Expenses - Hays County Funeral Home Cost

A traditional funeral in Texas can cost between $5,000 and $12,000, including basic service fees, casket, embalming, transportation, viewing, and burial. In Texas, the average funeral cost is $6,200, while in Hays County, the average funeral cost is nearly $6,000. Hays County has the most affordably priced funeral services among neighboring counties, while Comal County has the most expensive, at $7,000.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that more than 13,000 senior citizens in Hays County may be putting an undue burden on their family and friends with basic funeral expenses. For example, instead of mourning the death of a loved one, the family must find a way to pay.

  2. Aside from the burial costs, the deceased may have left taxes and debts for the family to deal with.

  3. Term Life Insurance and Final Expense Insurance are the most commonly used life insurance policies that cover "final expenses" up to $50,000.

  4. The most common life insurance policies that allow money to be left to family members are: Term Life Insurance and Cash Value Life, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance and Final Expenses.

Contact a life insurance agent licensed in the state of Texas if you need consultation and advice on life insurance in Hays County.

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

Life Insurance in Texas

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