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La Salle County

Driving in La Salle County

An estimated 5,890 private and commercial vehicles call the roads of La Salle County their home. This number accounts for approximately 0.03% of all vehicles registered in the entire state of Texas.

Over 86% of adult drivers in La Salle County commute to work by themself, and 28% of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured and about 1,200 vehicles in La Salle County alone are uninsured.

Auto Insurance Analysis:

  1. Nearly 6 thousand vehicles registered in La Salle County need insurance coverage. For all vehicles on the road, Liability Coverage is required because it protects others from the damage you may cause in an accident. Depending on the type of vehicle and its use, the required insurance may be: Private Auto, Commercial or Farm Auto, Comprehensive Coverage, Commercial or Farm Transportation, Inland Marine, etc.

  2. Uninsured Driver Coverage is becoming increasingly important in Texas, where 1 out of every 5 drivers is uninsured. Texans pay roughly $900 million each year in uninsured and underinsured driver coverage.

  3. A sizable portion of La Salle County is rural and roads in rural areas have less traffic and less potential for vehicular collisions. 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. November is the month where most collisions of deers and vehicles happen. Due to this, La Salle County residents should consider Comprehensive Auto coverage, which helps in repairing the damage after hitting an animal.

To discuss your auto insurance in La Salle County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

La Salle County Housing

La Salle County's over 3,000 housing units are divided between homeowners (69%) and renters (21%), similar to the rest of Texas, where the vast majority of residences are also owner-occupied (split at 62% owners, 38% renters). The neighboring counties are mostly owner-occupied as well. McMullen County leads the way, having 76% of their housing units are owner-occupied, followed by Atascosa County (75%), then Zavala County (roughly 72%), while Frio and La Salle County (both about 69%). Meanwhile, Webb County has the most rental units, offering 38% of its housing for rent, the same with Texas’ overall rental percentage.

Over 23% of housing units in La Salle County experience housing problems, overcrowding, lack of plumbing, or issues with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. In La Salle County, there are over 3 thousand dwelling units that need insurance. To safeguard the underlying financial investment from probable loss or damage, all owners of these properties should obtain Homeowners, Condo insurance, and/or Business Property Insurance (for apartment complexes).

  2. With nearly a thousand rental units in La Salle County, landlords purchase Landlord Insurance, which protects the property as well as the landlord from potential liability claims from renters.

  3. Tenants purchase Renters Insurance to protect their things from loss or damage. Renters' insurance is typically inexpensive and covers the tenant's belongings against theft as well as damage caused by fire, smoke, water, and vandalism. Renters insurance may be required by some landlords in La Salle County as a condition of the lease.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in La Salle County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

La Salle County Health

Proper health insurance coverage rate in La Salle County is the second-best among its neighboring counties. 18% of La Salle County residents under 65 years old do not have health insurance coverage which is lower than the Texas’ average (21%). Among the neighboring counties, the highest adult uninsured rate is in Webb County, with 30%. McMullen County has the lowest adult uninsured rate of 14%. The highest uninsured adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County, closer to 11%.

Nearly 1 out of 3 adults in La Salle County report problems with health.

The same as Texas' average, 23% of the La Salle County population do not participate in physical exercise activities.

It is estimated that 24% of the La Salle County residents are considered obese (with a BMI of 30 or more), which is lower than the Texas average of 31.4%. Among the neighboring counties, McMullen County reports the lowest – at 24% of its residents, the same as La Salle County, while 40% of adults from Atascosa County may be considered obese.

At least 1 health insurer in La Salle County offers 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 about 1,200 people in La Salle County do not have sufficient health insurance.

  2. Texas is one of the states that allows different types of health insurance and supplemental health insurance to be sold. This makes it easier for La Salle County residents to choose the coverage that meets their unique needs (both physically and financially): Group or Individual Marketplace ACA health insurance, several types of short-term insurance (up to 3 years in coverage), hospital indemnity insurance, accident & health insurance, and so on.

  3. If health insurance is not obtained because it is too expensive, low-income consumers should apply for government health insurance subsidies, which can substantially reduce the medical expenses.

  4. Short-term health insurance can be a good way to save money if you don't have any pre-existing problems. (Note: After a year or more of coverage, some Texas multi-year short-term health insurance policies may cover certain pre-existing diseases.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available to the La Salle County residents.

La Salle County Mortality and the End of Life Statistics

Average life expectancy for the residents of La Salle County is around 78 years old, which is similar to the Texas average of 79.2. Among the neighboring counties, Atascosa County also has 78 years old life expectancy, the same as La Salle County. Webb County shows longer life span at 80.5, adding more than 2 years on top of La Salle County. The highest life expectancy in the state of 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 more than a thousand seniors (65 and older) living in La Salle County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not have an active life insurance policy of any type.

  2. Premiums for life insurance are determined by the insured's age at the start of the policy, among other factors. The younger you are when you purchase it, the more money you will save in premiums over the life of the policy.

  3. In La Salle County over 16% of its adult residents smoke, compared to non-smokers, the life insurance premiums of those who smoke will likely increase by up to 4 times if this habit is continued. A smoker's life expectancy is regarded to be shorter, making them more of a risk to life insurance carriers.

Motor Vehicle Fatalities in La Salle County

In 2020, Texas Department of Transportation (TxDoT) reported only 96 crashes in La Salle County, with a resultant 1 fatality. Alcohol is determined as the main factor for the fatal crashes in La Salle County in around 22% of all driving fatalities.

Final Expenses – La Salle County Funeral Home Cost

Funeral expenses in and around La Salle County vary drastically. The average price of a funeral in La Salle County is around $5,300. Among the neighbors of La Salle County, Atascosa County reports a $6,600 average funeral cost, while Webb County funeral homes have $5,200 average cost, which is less than the Texas average funeral cost of $6,200.

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

Life Insurance Analysis:

  1. The expense of a basic funeral can be a cause for concern for 46% of Americans who die with less than $10,000 in savings, putting a needless and often terrible strain on family and friends. Rather than mourning their loss, the family must concentrate on determining how to pay.

  2. In addition to the funeral costs, the departed frequently leave behind taxes and other debts for the family to pay.

  3. The most popular life insurance products for paying "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 various forms of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance.

Contact a knowledgeable life insurance agent licensed in the state of Texas for consultation and advice about life insurance in La Salle County. An experienced agent can help you assess your life insurance needs and suggest multiple options for you to choose from, based on the prioritization of the identified needs.