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Lee County

Driving in Lee County

Lee County has approximately 13,763 registered vehicles for both commercial and personal use. These automobiles make up about 0.06% of all registered vehicles in Texas.

More than 76% of Lee County drivers commute alone to work every day, with more than half of those commutes lasting more than 30 minutes.

Approximately 20% of Texas vehicles are uninsured. Hence, Lee County may have nearly 3,000 uninsured or underinsured vehicles.

In Texas, having liability car insurance is required as "proof of financial responsibility," and driving without it is illegal.

Auto Insurance Analysis:

  1. Almost 14,000 vehicles in Lee County are required to carry auto insurance. Other types of insurance, such as Private Auto Insurance, Farm Auto Insurance, Commercial Inland Marine Insurance, and others, may be required. Auto insurance may also be affected by the type of vehicle and its intended use.

  2. The majority of Lee County's roads are in rural areas. Rural roads have less traffic and a lower risk of a collision. Meanwhile, animals are more likely to get in the way of moving cars in rural areas. The majority of animal-related crashes in Texas occur twice a day, from 5-8 a.m. and again from 6 p.m. to midnight. In November, there is the greatest chance of colliding with a deer. As a result, residents of Lee County should consider Comprehensive Auto coverage, which aids in the repair of damage caused by an animal collision.

  3. Because one out of every five drivers in Texas is uninsured or underinsured, Uninsured Driver Coverage remains important. Texans spend nearly $900 million per year on Uninsured and Underinsured Motorist coverage.

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

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Car Insurance in Texas

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Lee County Housing

Lee County's housing market of approximately 7,966 units is split between homeowner-occupied homes (81%) and properties inhabited by renters (19%). This is similar to the rest of Texas, where most homes are owner-occupied (62%). The surrounding counties are mostly made up of owner-occupied homes as well, with Fayette County having the highest homeownership rate with nearly 82% followed by Lee County. On the other hand, Williamson County has the lowest rate, with 68% owners and 32% of real estate for rent.

Close to 1 out of every 6 housing units in Lee County are experiencing overcrowding, lack of plumbing, and/or substandard kitchen conditions.

Housing Insurance Analysis:

  1. Lee County’s almost 8,000 housing units need insurance coverage. To protect the owner's property from loss or damage, all housing units should have Homeowners Insurance (Homeowners or Condo). Apartment complexes and condo associations are covered by Business Property Insurance and Business condo association insurance.

  2. Lee County has almost 2,000 rental units, all of which could be covered by Landlord Insurance. Landlord insurance safeguards both the property and the owner against potential liability claims.

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

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

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Residential Insurance in Texas

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Lee County Health

Lee County's health insurance rate is the second worst-rated among its peer counties with more than 22% of adults and 12% of all children not having proper health insurance coverage. This figure is higher than the 20.7% state average (in 2021). Bastrop County (22.7%), Lee County coming in second, followed by Fayette County, with 21.6% of residents lacking proper health insurance. Williamson County, in contrast, has the lowest rate of uninsured residents at around 12%. Gaines County has the highest rate of uninsured adults in Texas at 36%, while Loving County has the lowest, around 11%.

Over 1 out of 5 adults in Lee County has a health problem, and nearly 27% of the population does not engage in physical activities, contributing to 38% of the population being obese, which is higer than the Texas average of 31%. Bastrop and Burleson Counties have the highest obesity rates of any peer county at 42%, and 47%, respectively. In contrast, Fayette County has the lowest obesity rate at 24%.

In Lee County, at least 5 insurers provide affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. The most important type of insurance is health insurance, and over 3,000 Lee County residents do not have proper coverage.

  2. Texas is one of the states that offers a broader range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-Compliant Group or Individual Marketplace Health Insurance, various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident and Health insurance, 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 costs 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 Lee County, contact a Texas-licensed health insurance agent.

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Health Insurance in Texas

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Lee County Mortality and the End of Life Statistics 

Lee County's average life expectancy is estimated to be nearly 78 years old, which is lower than the Texas state average of more than 79 years old. Williamson County appears to have the longest life expectancy among the neighboring counties, at 82 years old, longer by 4 years compared to Lee County. Milam County, on the other hand, seems to have the shortest life expectancy at 77 years old. Presidio County has the state's highest average life expectancy rate, at nearly 89 years old. Donley County has the lowest average life expectancy at 73 years old.

In 2022, Lee County had over 3,000 senior (65 and older) residents.

Life Insurance Facts:

  1. In 2022, 47% of Americans lacked any type of life insurance policy.

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

Motor Vehicle Fatalities in Lee County

On Lee County roads, approximately 4-5 fatal crashes occur each year, with a fatal crash rate of 33.64 per 100,000 vehicles on the road.

According to the Texas Department of Transportation (TxDoT), Lee County had 271 crashes in 2020, resulting in 4 fatalities. More than 23% of all traffic fatalities were caused by alcohol.

Final Expenses - Lee County Funeral Home Cost

An average 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 Lee County is at $5,800. In the region, Williamson County seems to have the most expensive funeral cost at almost $7,200, while Bastrop County has the lowest, at under $5,000.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that roughly 1,500 Lee 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.

  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 Expense (FE).

To get consultation and advice on life insurance in Lee County, contact a knowledgeable Texas-licensed life insurance agent with access to multiple insurers and options to choose from.

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

Life Insurance in Texas

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