up button arrow
logotype
https://texasinsurance.org is a privately owned website that is not owned or operated by any government agency

Jones County

Driving in Jones County

Jones County has approximately 15,645 registered vehicles for both commercial and personal use. These vehicles account for about 0.07 percent of all registered vehicles in Texas.

Every day, nearly 79 % of Jones County drivers drive alone to work, with nearly half of those commutes lasting more than 30 minutes.

Because approximately 20% of Texas vehicles are uninsured, Jones County may have more than 3,000 uninsured or underinsured vehicles.

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

Auto Insurance Analysis:

  1. Roughly 16,000 vehicles in Jones County are required to have auto insurance. Private auto Insurance, Commercial or Farm Auto Insurance, Commercial Inland Marine Insurance, and other types of insurance could be obtained. The type of vehicle and its intended use may also have an impact on auto insurance coverage type.
  2. Most of the roads in Jones County are rural, and these kinds of roads have less traffic and less potential for vehicular collision. Meanwhile, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Jones county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal.
  3. Uninsured Driver Coverage is becoming increasingly important in Texas because one out of every five drivers is uninsured or underinsured. Every year, Texans spend more than $900 million on Uninsured and Underinsured Motorist coverage.

If you need Auto insurance in Jones County, contact a Property & Casualty insurance agent who is licensed in the state of Texas.

Texas Insurance Information Portal.svg

Car Insurance in Texas

Read more

Jones County Housing

Jones County's housing market of approximately 7,488 units is split between homeowner-occupied homes (75%) and renter-occupied properties (25%). This is similar to the rest of Texas, where most homes are owner-occupied. The Texas state average for homes occupied by the owners is roughly 62%. The surrounding counties are mostly made up of owner-occupied homes as well, with Callahan County having the highest homeownership rate with more than 82%, followed by Shackelford County with nearly 80%. On the other hand, Taylor County has the lowest rate with 58%, which means that almost every other property is a rental.

More than 1 in 10 housing units in Jones County is experiencing overcrowding, lack of plumbing, and/or unsanitary kitchen conditions.

Housing Insurance Analysis:

  1. Jones County has 7,000 housing units that could use property insurance. All housing units should have Homeowner's Insurance to protect the owner's property from loss or damage (Homeowners or Condo). Business Property Insurance covers apartment complexes, while condo associations buildings themselves are covered by Business condo association insurance.

  2. Jones County has nearly 2,000 rental units, all of which are likely insured with Landlord Insurance. Landlord insurance protects both the property and the owner from potential liability claims.

  3. Tenants typically purchase Renters Insurance to protect their belongings from potential damage or loss. The standard Renter's Insurance policy covers theft and damage caused by water, fire, smoke, and vandalism. Landlords may also require renter's insurance as a condition of the lease.

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

Texas Insurance Information Portal.svg

Residential Insurance in Texas

Read more

Jones County Health

In Jones County, only 1 out of every 5 adults and 11% of all children do not have health insurance. This figure is lower than the 20.7% state average (in 2021). Haskell County has the highest uninsured rate among the neighboring counties, with around 27% of residents lacking proper health insurance. Callahan County, on the other hand, has the lowest rate of uninsured residents at around 18%. Gaines County has the highest rate of uninsured adults in Texas, approaching 36% while Loving County has the lowest, around 11%.

Nearly 1/4 of the adults in Jones County have a health problem, and around 25% of the population does not engage in physical activity, contributing to 29% of the population being obese, which is lower than the Texas average of 31%. Callahan County has the highest obesity rate compared to its peer counties at 39%, while Stonewall County has nearly a half of that figure (≈20%), making it the lowest in the surrounding area.

In Jones County, at least 2 insurers provide affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important type of insurance, and more than 3,000 Jones County residents do not have it.

  2. Texas is one of the states that provides a broader range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-Compliant Group or Individual Marketplace Health iInsurance, 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 prohibitively expensive, particularly for those with low incomes, so they are advised to apply for government subsidies, which can significantly reduce or even almost eliminate the out-of-pocket cost of insurance. Short-Term Insurance may be an option if you do not have any pre-existing conditions. (Keep in mind that some multi-year short-term plans may cover specific pre-existing conditions after a full year of coverage.)

If you need consultation and advice on health insurance in Jones County, contact a Texas-licensed health insurance agent.

Texas Insurance Information Portal.svg

Health Insurance in Texas

Read more

Jones County Mortality and the End of Life Statistics 

The average life expectancy in Jones County is around 78 years old, which is lower than the Texas state average of over 79 years old. Shackelford County has the longest life expectancy among neighboring counties, at 82.3 years old, which is 4 years longer than Jones County, while Taylor County has the shortest average of 75.6 years old. Presidio County has the highest average life expectancy rate in the state, at 88.8 years, and with a life expectancy of 72.8 years, Donley County has the lowest average.

Jones County had more than 3,000 senior (65 and older) residents on record as of 2022.

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 Jones County

Annually, roughly 6 fatal crashes occur on Jones County roads, with a rate of 37.23 fatal crashes per 100,000 vehicles on the road.

Jones County had 141 crashes in 2020, resulting in 5 fatal deaths, according to the Texas Department of Transportation (TxDoT). Alcohol was responsible for almost 22% of all traffic deaths in the county.

Final Expenses - Jones County Funeral Home Cost

A traditional funeral service in Texas can cost anywhere between $5,000 and $12,000, which includes the basic service fees, casket, embalming, transportation, viewing, and burial. The average cost of a funeral service in Texas is $6,200, while the cost of a funeral service in Jones County is closer to $5,700. Callahan County has an average of $5,500, and Taylor County is closer to $5,800.

Across the entire state of Texas, Polk County has the most expensive funeral cost average at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.

Life Insurance Analysis:

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

  2. Aside from burial costs, the deceased may have left behind 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.

If you need consultation and advice on life insurance in Jones County, contact a knowledgeable Texas-licensed life insurance agent.

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

Life Insurance in Texas

Read more