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Jasper County

Driving in Jasper County

Jasper County has around 27,772 registered private and commercial vehicles. This amounts to 0.12% of all the cars registered in the whole state of Texas.

Over 82% of adult drivers in Jasper County drive to work alone, and less than half of those commutes last longer than 30 minutes.

An estimate of 20% of all the drivers in Texas is uninsured. This means that over 5,000 are possibly uninsured in Jasper County.

Auto Insurance Analysis:

  1. Almost 28 thousand automobiles registered in Jasper County need some kind of insurance coverage and the type is determined based on the type of vehicle and usage. The required insurance may be: Farm Auto, Farm Transportation, Collision Coverage, Comprehensive Auto, Gap Coverage, etc. Liability coverage is required for all vehicles on the road.

  2. Over 8 thousand residents have longer commutes, which magnifies the possibility of getting involved in a vehicular accident, increasing the cost of auto insurance.

  3. Uninsured Driver Coverage is becoming increasingly important, with 1 out of 5 drivers uninsured in Texas. Texans spend approximately $900 million yearly to pay for Uninsured and Underinsured Auto Coverage.

To receive expert advice about auto insurance in Jasper 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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Jasper County Housing

Similarly to the majority of Texas, Jasper County’s 17,849 is mostly occupied by homeowners by roughly 77% against 23% for Renters. Neighboring counties are also dominated by homeowner-occupied properties, with Sabine County leading by 88% and almost 12% of housing listed for rent. Angelina County is found at the bottom of this list, with only 66% of homes occupied by the owners.

Roughly 1 in 10 housing units in Jasper County encounters housing problems like poor plumbing, overcrowding, or kitchen issues. In around 15% of homes, residents spend more than half of their income on housing.

Housing Insurance Analysis:

  1. Nearly 18 thousand housing units in Jasper County require insurance coverage, to safeguard the financial investment from possible loss or damage. At a minimum, all properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes).

  2. Approximately 4,000 of these housing units in Jasper County are rentals, and landlords procure Landlord Insurance to cover the property from liability claims arising from the tenants.

  3. To safeguard the tenant's assets from possible damage or loss, they are advised to get Renters Insurance coverage. Average renters’ insurance is cheap and covers the tenant’s property from theft and damages caused by smoke, water, fire, and vandalism. Some landlords in Jasper County may require Renters insurance as part of the lease conditions.

For consultation regarding Homeowners, Renters, Condo, Flood, and other types of insurance in Jasper 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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Jasper County Health

Jasper County is one of the worst-rated when it comes to proper health insurance coverage compared to its neighboring counties. Nearly 1 out of 5 adults and more than 9% of kids in Jasper County do not have health insurance coverage. Within its neighboring counties, Angelina County has the highest uninsured adult rate with 22%, while Hardin County has the lowest at 16%. The highest uninsured adult rate in Texas is in Gaines County with over 36%, while the lowest rate is in Loving County at around 11%. The average adult uninsured rate in the whole state of Texas is at 21%.

Just over 23% of adults in Jasper County report health problems. That is almost 6,300 residents.

In Jasper County, 34% of its population does not engage in physical exercise activities.

Among its peer counties, they are the second-highest in percentage of residents with obesity (with BMI of 30 or more) at 44%, which is higher than the Texas average of 31%. Orange County records the highest at 46%, while Sabine County reports the lowest at 27% obesity rate.

At least 3 health insurers in Jasper County provide cost-effective and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Almost 5 thousand Jasper County residents do not have health insurance, which is the most vital insurance type.

  2. Texas is one of the states that allow the sale of various health insurance and supplemental products. This makes it less difficult to acquire coverage that fits their specific needs (both medically and financially): Various types of Short-term insurance (up to 3 years in coverage, Marketplace ACA health insurance, Hospital Indemnity, Accident & Health, etc.

  3. Low-income consumers are advised to apply for government subsidies if they cannot pay for health insurance. This way, the cost of insurance becomes more affordable.

  4. Short-term insurance can supply a substitute saving path. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Explore your insurance needs with a state-licensed Texas health insurance professional with access to various health insurance options available in Jasper 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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Jasper County Mortality and the End of Life Statistics

Life expectancy in Jasper County is averaging at 74.9 years old, lower than the Texas average of 79.2. Within its nearby counties, Newton County has the highest life expectancy average of 76.9, while Orange County holds the lowest at just over 74 years. In the whole state of Texas, Presidio County has the highest life expectancy at 88.8 years, while the lowest is in Donley County, at 72.8 years old.

Oer 7,000 seniors (65 and older) resided in Jasper County in 2022.

Life Insurance Facts:

  1. 48% of Americans did not have any active life insurance policy in 2021.

  2. The age of the insured when the policy begins is the basis of the life insurance premium rate. So getting it as early as possible allows you to save more in premiums throughout the policy.

Motor Vehicle Fatalities in Jasper County

In Jasper County, motor vehicle fatalities happen at a rate of 26.47 per 100,000 vehicles on the road: 7.35 fatal crashes per year.

The Texas Department of Transportation (TxDoT) reported 580 crashes in Jasper County, resulting in 10 deaths. Alcohol is one of the main reasons for these fatal crashes in Jasper County, resulting in10% of all driving fatalities.

Final Expenses - Jasper County Funeral Home Cost

In and around Jasper County, funeral costs vary significantly. The average funeral price in Jasper County is estimated at almost $6,000. Newton County holds the highest funeral cost at approximately $8,600, while San Augustine County is the lowest at $5,200 - much lower than the state’s average of $6,200.

Life Insurance Analysis:

  1. Roughly 46% of Americans that pass away have a savings of less than $10,000. This means that over three thousand Jasper County senior residents may be placing an additional financial burden of funeral costs on their family and friends. Instead of grieving their loss, they may have to find ways to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased could also leave taxes and other debts behind for the family to shoulder.

  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 standard 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 Live (IUL) insurance, and Final Expense.

Talk with a licensed Texas insurance professional about life insurance options in Jasper County.

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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