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Johnson County

Driving in Johnson County

An estimated 144,716 private and commercial vehicles call the roads of Johnson County their home.

Almost 88% of adult drivers in Johnson County commute to work by themself, and more than 1/2 of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which can be close to 29,000 vehicles in Johnson County alone.

Auto Insurance Analysis:

  1. Nearly 145 thousand vehicles registered in Johnson County need some type of insurance coverage. Depending on the type of vehicle and its use, the required insurance may be Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc. Liability coverage is a MUST for all vehicles.

  2. Over 96,000 drivers commuting daily is one of the reasons why auto premium costs in Johnson County tend to be higher, compared with less densely populated counties. Everyone driving a separate vehicle means that there are more vehicles on the road, which increases the likelihood of a collision. The risk goes up, so do the premium prices.

  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.

For consultation and advice about auto insurance in Johnson County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Johnson County Housing

The majority of the approximately 66,772 housing units in Johnson County are privately owned (73%), with the remaining (27%) as rental units. The Texas average is closer to a 62/38 split. Comparing Johnson County to the neighbors, the highest number of renters per available housing unit is in Dallas County, where almost 50% of housing is for rent. Meanwhile, Parker County, Hood County, and Somervell County are all 78-80% owner-occupied.

More than 1 in 8 of the housing units in Johnson County are experiencing housing problems due to overcrowding, lack of plumbing, or issues with the kitchen.

Housing Insurance Analysis:

  1. Nearly 67 thousand housing units in Johnson County need insurance coverage. At a minimum, all of them should have Homeowners or Condo insurance, and/or Business property insurance (for apartment complexes) to protect their investment from loss or damage.

  2. With over 18 thousand housing units in Johnson County as rentals, landlords are advised to obtain Landlord Insurance, which covers the property itself and the possible liability claims arising from the tenants.

  3. Tenants are advised to obtain Renters Insurance coverage to protect their belongings from possible damage or loss. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Johnson County may require Renters insurance as a condition of the lease.

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

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Residential Insurance in Texas

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Johnson County Health

Johnson County’s uninsured rate of 20% is just a percent lower than the Texas state average. Compared to the neighbors in the area: Parker County has the least number of residents without proper health insurance (17%), while the highest at 25% of Dallas County’s residents lack this essential protection.

More than 26,000 residents in Johnson County are experiencing poor health. The lack of physical exercise is one of the major factors of poor health conditions in Johnson County, where 29% of the residents do not participate in exercises on a regular basis. That lack of physical exercise is reflected in the obesity of 39% of Johnson County residents. Compared to its neighbors, Hill County has the highest percentage of physically inactive residents (over 36%), while the lowest is in Dallas with around 23%.

At least 3 health insurers in Johnson 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 insurance coverage and nearly 32 thousand residents of Johnson County lack this necessity.

  2. Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. This makes it easier for Texas residents to obtain coverage that fits their specific needs (both medically and financially): Group or Individual ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If health insurance is not being purchased due to unaffordability, low income consumers are advised to apply for government subsidies, which can substantially lower (if not almost eliminate) the cost of insurance for the insured.

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

For consultation and advice about health insurance in Johnson County contact an experienced health insurance agent who has access to all types of health insurance coverage available in Texas .

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Life Insurance in Texas

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Johnson County Mortality and End of Life Statistics

The average life expectancy of Johnson County residents is 77.1 years old, which is lower than the Texas state average of 79.2. Comparing the neighboring counties: Dallas County sees the highest average life expectancy in the area, at 79.1 years old, while Hill County’s expected average life span is the lowest among the neighbors at 76.4. The highest life expectancy in Texas is seen in Presidio County, at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.

In 2022, there were over 26,000 senior residents (65 and older) in Johnson County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have life insurance.

  2. Life insurance premiums are based on the age of the insured when the policy begins. The younger you are when you get it, the more you save in premiums over the course of the policy.

Motor Vehicle Fatalities in Johnson County

Motor vehicle fatalities occur at a rate of about 17.04 per 100,000 vehicles on the road in Johnson County. This amounts to an annual average of around 24-25 fatal collisions.

In 2020, the Texas Department of Transportation (TxDOT) reported over 2,212 crashes in Johnson County, with a resultant 20 fatalities. Alcohol has been determined to be the primary cause of fatal crashes in Johnson County in more than 20% of all driving fatalities.

Final Expenses – Johnson County Funeral Home Cost

In Johnson County, the average funeral cost is around $6,000. This is less than the average funeral cost in Texas, which is around $6,200. Ellis County’s funeral home cost is $5,000 which is the lowest cost among its neighboring counties. Parker County has the highest funeral expenses at over $9,000, followed by Dallas County with closer to $9,000.

Life Insurance Analysis (continued):

  1. With 46% of Americans dying with less than $10,000 in assets, over 12,000 Johnson County residents may be putting an unnecessary and frequently painful financial strain on family and friends. Rather than grieving, the family must concentrate on determining how to pay.

  2. Apart from burial fees, the deceased frequently leave behind taxes and other debts for the family to deal with.

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

  4. The most commonly used life insurance products to leave money to the family are variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance.

For a consultation and advice about life insurance options in Johnson County, contact a life insurance agent licensed in the state of Texas. Seek out an agent who has access to multiple insurers and can create comparisons, based on the needs of the client.

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

Life Insurance in Texas

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