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Jim Wells County

Driving in Jim Wells County

Jim Wells County roads are home to approximately 31,688 private and commercial vehicles. This number represents about 0.14% of all vehicles registered in the state of Texas.

Nearly 84% of adult drivers in Jim Wells County drive alone to get to work, and more than half of those trips take more than 30 minutes.

An estimated 20% of Texas drivers are uninsured, which means that there could be more than 6,000 uninsured vehicles in Jim Wells County alone.

Auto Insurance Analysis:

  1. Insurance is required on nearly 32,000 vehicles registered in Jim Wells County. The vehicle's intended purpose and use dictate the type of coverage required: Private Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, and so on. Auto Liability coverage is required for all vehicles on the road.

  2. A longer commute for area residents increases the cost of auto insurance because it lengthens a driver's time on the road and thus increases the likelihood of being involved in a car accident.

  3. Uninsured Driver Coverage is becoming increasingly important in Texas, where one out of every five drivers is uninsured. The cost of uninsured and underinsured motorist coverage in Texas is nearly $900 million per year.

To get a consultation and advice about auto insurance in Jim Wells County, contact a Property & Casualty (P&C) insurance agent licensed in Texas.

Jim Wells County Housing

The approximately 16,510 housing units in Jim Wells County are divided between homeowners (71%) and renters (29%), comparable to the rest of Texas, where the majority of residences are owner-occupied (62/38). The neighboring counties are also predominantly owner-occupied, with Live Oak County having the highest (82%) homeownership and Kleberg County the lowest, with roughly 53% owners and 47% renters.

Nearly 1 out of 6 housing units in Jim Wells County are reportedly experiencing housing problems as a result of high housing costs, overcrowding, a lack of plumbing, or kitchen issues.

Housing Insurance Analysis:

  1. Insurance coverage is needed for almost 17,000 housing units in Jim Wells County. At the very least, all owners of these properties should have Homeowners, Condo, and/or Business property insurance (for apartment complexes), to safeguard the underlying financial investment against loss or damage.

  2. With nearly 5,000 rental units in Jim Wells County, landlords should get Landlord Insurance, which protects both the property and the landlord against potential liability claims by tenants.

  3. Tenants usually purchase Renters Insurance to protect their personal items from probable damage or loss. Typically, renters' insurance covers tenants' belongings against theft and damage caused by fire, smoke, water, and vandalism. Some Jim Wells County landlords may mandate renters insurance as a condition of the lease.

For consultation and advice about Homeowners or Renters insurance in Jim Wells County, contact a Property & Casualty (P&C) insurance agent licensed in Texas.

Jim Wells County Health

Jim Wells County is one of the worst-rated when compared to its neighbors in terms of health insurance coverage, with nearly 1 out of every 5 residents (21.8%) under the age 65 without proper health insurance coverage. The worst rate in the area is in Live Oak County, at over 22%, followed by Duval County at 21.9%, while San Patricio and Brooks Counties both have the lowest, at under 19%. In comparison, Gaines County has the highest rate of uninsured adults in Texas, at nearly 36%, while Loving County has the lowest, at 11%. The average adult uninsured rate in Texas in 2021 was over 20 percent.

In Jim Wells County, nearly 1 in 3 adults (or nearly 9,000 residents) suffer from health problems.

1/4 of the Jim Wells County population do not participate in physical exercise activities.

Around 34% of Jim Wells County residents are considered obese (BMI of 30 or more), which is higher than the Texas average of around 31%. Live Oak County has the lowest obesity rate among neighboring counties, affecting approximately 24% of its residents. On the other hand, San Patricio County residents are considered to be obese at 41%.

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

Health Insurance Analysis:

  1. Health insurance is the most important type of insurance, and over 7,000 residents in Jim Wells County do not have it.

  2. Texas allows the sale of multiple types of health insurance and supplemental products, making it easier for Texans to obtain coverage that fits their need the best: Marketplace ACA health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.

  3. If low-income citizens are unable to obtain health insurance due to the high cost, they should apply for government subsidies, which can drastically reduce the cost of health insurance coverage. If you do not have any pre-existing conditions, you may qualify for short-term insurance. (Note: Short term insurance may cover some pre-existing conditions after a year 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 Jim Wells County.

A Health Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the plans that fit your needs and are available locally,
  • 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.

Jim Wells County Mortality and the End of Life Statistics

Residents of Jim Wells County have an average life expectancy of around 75.4 years, which is significantly lower than the Texas average of 79.2. Among the neighboring counties, Live Oak County reports the longest life expectancy (80 years), while Kleberg, Brooks, and Duval Counties similarly have the lowest life expectancy among the neighboring counties at around 74 years old. Statewide, Presidio County has the highest life expectancy in the state of Texas, at 88.8, while Donley County reports the lowest, at 72.8 years old.

In 2022, Jim Wells County's senior population (65 and older) was estimated at over 6 thousand people.

Life Insurance Facts:

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

  2. Life insurance premiums are calculated based on the insured's age at the start of the policy. The younger you are when you purchase it, the less you will pay in premiums over the course of the policy.

Motor Vehicle Fatalities in Jim Wells County

According to statistics, motor vehicle fatalities occur at a rate of 22.94 per 100,000 vehicles on the road in Jim Wells County, resulting in an average of around 7 fatal crashes per year.

According to the Texas Department of Transportation (TxDoT) report in 2020, there were 643 crashes in Jim Wells County, resulting in 5 fatalities. Alcohol ishe primary contributing factor for around 18% of all driving fatalities in Jim Wells County.

Final Expenses – Jim Wells County Funeral Home Cost

Funeral expenses in and around Jim Wells County vary drastically. The average price of a funeral in Jim Wells County is around $6,800. Among the neighbors of Jim Wells County, Duval County charges a similar average funeral cost as Jim Wells County, while San Patricio County funeral homes may be found to have the lowest average funeral cost among its neighboring counties, at around $5,400.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, the cost of a basic burial can be an issue, imposing an unwanted and frequently unbearable strain on family and friends. Rather than lamenting their loss, the family must concentrate on resolving how to pay. (Note: If you are paying for funeral services using life insurance, most funeral houses require that the policy be "assignable.")

  2. Apart from burial costs, the departed frequently leave their family with unpaid taxes and other problems.

  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 Cash Value life insurance, particularly Whole Life Insurance, 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 life insurance agent licensed in the state of Texas for a consultation and advice about life insurance options available in Jim Wells County.

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