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McLennan County

Driving in McLennan County

The roads of McLennan County are home to an estimated 206,492 private and commercial vehicles. This figure accounts for nearly 1% of all vehicles registered in Texas.

In McLennan County, nearly 79% of drivers drive alone to work, with more than half of those trips lasting more than 30 minutes.

Uninsured drivers are estimated to account for 20% of Texas drivers, with over 41,000 uninsured vehicles in McLennan County alone.

Auto Insurance Analysis:

  1. McLennan County requires insurance on over 200,000 registered vehicles. Depending on the type of vehicle and its intended use, the following insurance policies may be required: Private Auto, Commercial Auto, Auto Liability, Commercial Transportation Inland Marine, and so on.

  2. Because everyone drives on their own, there are more vehicles on the road, increasing the possibility of a collision. As a result, premiums are typically raised.

  3. A longer commute increases the cost of auto insurance because it increases the amount of time a driver spends on the road and the likelihood of being involved in a car accident.

  4. Uninsured driver coverage is becoming increasingly important in Texas, where one out of every five drivers is uninsured. The annual cost of uninsured and underinsured motorist coverage in Texas is close to $900 million.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for consultation and advice on auto insurance in McLennan County.

McLennan County Housing

The approximately 96,753 housing units in McLennan County are split between renters (41%) and homeowners (59%). The state average for Texas is closer to a 62/38 split. Owner-occupied homes are also prevalent in surrounding counties, with Bosque County having the highest percentage of almost 77%. While Bell county has the fewest live-in homeowners in the surrounding area with only 54% of the population. As a result of high housing expenses, congestion, a lack of plumbing, or kitchen troubles, nearly 1 to 6 of McLennan County's housing units are facing housing issues.

Housing Insurance Analysis:

  1. Almost 100,000 housing units in McLennan County require insurance coverage. At a minimum, they should all have Homeowners or Condo coverage to protect the property's owners from loss or damage. Apartment complexes and condo associations are covered by Business Property insurance.

  2. Landlords in McLennan County, which has almost 40,000 rental units, should obtain Landlord Insurance, which covers both the property and potential liability claims from tenants.

  3. Tenants should obtain Renters Insurance to protect their belongings from potential damage or loss. Renters' insurance usually protects tenants' belongings from theft and damage caused by fire, smoke, water, and vandalism. Some McLennan County landlords may require renters insurance as a condition of the lease.

Contact a Property & Casualty (P&C) insurance agent in McLennan County for a consultation and advice on Homeowners insurance or Renters insurance.

McLennan County Health

Although McLennan County is not the worst rated in terms of health insurance coverage when compared to its neighbors, nearly one out of every five adults (almost 20%) and approximately 9% of all children do not have health insurance coverage. Among neighboring counties, Bosque County has the highest adult uninsured rate, around 23%, while Coryell County has the lowest, around 16%. In comparison, Gaines County has the highest rate of uninsured adults in Texas, nearly 36%, while Loving County has the lowest, 11%. In 2021, the average adult uninsured rate in Texas was around 21%.

More than one-fifth of McLennan County's adults suffer from a health problem.

Nearly 21% of McLennan County residents are not physically active on a daily basis.

Obesity (BMI 30 or higher) affects roughly 30% of McLennan County residents, which is slightly lower than the Texas average (31%). With approximately 26% of its residents obese, Bosque County has the lowest obesity rate among neighboring counties. Limestone County, on the other hand, has the highest obesity rate of any of its neighboring counties, at nearly 42%.

McLennan County has at least 5 health insurers that provide affordable and frequently subsidized ACA health insurance, both on and off the state marketplace.

Health Insurance Analysis:

  1. Almost 30,000 McLennan County residents do not have health insurance, which is the most important type of insurance.

  2. Texas is one of the states that permits a variety of health insurance and supplemental products, making it easier for residents to obtain coverage: Marketplace ACA health insurance, various types of short-term insurance (up to three years), hospital indemnity, accident, and health insurance, and so on.

  3. If low-income residents cannot afford health insurance, they should apply for government subsidies, which can significantly lower the cost of coverage. Short-term insurance may be an option for you if you don't have any pre-existing conditions. (It should be noted that after a year of coverage, short-term insurance may cover some pre-existing conditions.)

Contact a health insurance agent licensed in the state of Texas for a consultation and advice on health insurance in McLennan County.

McLennan County Mortality and the End of Life Statistics

McLennan County residents live an average of 78.9 years, which is slightly lower than the Texas average of 79.2. When compared to neighboring counties, McLennan County has the highest, while Limestone County has the lowest, with a life expectancy of 75.5 years. Presidio County has the highest life expectancy in Texas (88.8), while Donley County has the lowest (72.8).

The senior population in McLennan County in 2022 was over 32,000 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 lower your premiums will be over the policy's term.

Motor Vehicle Fatalities in McLennan County

Motor vehicle fatalities occur at a rate of 11.04 per 100,000 vehicles on the road in McLennan County, resulting in 27-28 fatal crashes per year.

The Texas Department of Transportation (TxDoT) reported 5,397 crashes in McLennan County in 2020, with 34 fatalities as a result. Alcohol has been identified as the leading cause of fatal crashes in McLennan County, accounting for more than 27% of all traffic fatalities.

Final Expenses – McLennan County Funeral Home Cost

A traditional funeral in Texas can cost anywhere between $5,000 and $12,000, including basic service fees, casket, embalming, transportation, viewing, and burial. The average funeral cost in Texas is $6,200, while the average funeral cost in McLennan County is closer to $6,000. Limestone County has the most affordable funeral services, at less than $5,000, while Bell County has the most expensive, at nearly $7,000.

Life Insurance Analysis:

  1. Basic funeral expenses can be a problem for 46% of Americans who die with less than $10,000 in savings, putting an unnecessary and often unbearable burden on family and friends. Instead of mourning their loss, the family must concentrate on finding a way to pay.

  2. Along with burial costs, the deceased frequently leave behind taxes and other debts for the surviving family to deal with.

  3. Term Life Insurance and Final Expense Insurance are the two most common life insurance policies for covering "final expenses" up to $50,000.

  4. Variations of Term Life Insurance and Cash Value Life Insurance, specifically Whole Life, Indexed Universal Life (IUL) insurance and Final Expense insurance, are the most commonly used life insurance products to leave money to family members.

Contact a life insurance agent licensed in the state of Texas for consultation and advice on life insurance in McLennan County.