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Rockwall County

Driving in Rockwall County

Rockwall County has approximately 90,162 registered vehicles for both commercial and personal use. These registered vehicles make up about 0.4% of all registered vehicles in Texas.

Every day, more than 81% of drivers in Rockwall County commute to work, with roughly three-fourths of those commutes lasting more than 30 minutes.

Over 20% of Texas vehicles are uninsured, which means that Rockwall County could have more than 18,000 uninsured or underinsured vehicles.

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

Auto Insurance Analysis:

  1. More than 90,000 vehicles registered in Rockwall County require auto insurance. Private auto insurance, commercial or farm auto insurance, auto liability insurance, commercial inland marine insurance, and so on are all required. Auto insurance may also be affected by the type of vehicle and its intended use.

  2. Longer daily commutes increase the amount of time a driver spends behind the wheel, which raises auto insurance rates. The more time a driver spends behind the wheel, the more likely he or she will be involved in a car accident.

  3. A large percentage of Rockwall County residents drive alone, contributing to traffic congestion and increasing insurance rates.

  4. 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 Rockwall 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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Rockwall County Housing

Rockwall County's housing market of approximately 42,511 units is split between homeowners (82%) and renters (18%), which is similar to the rest of Texas, where most homes are owner-occupied. The Texas state average for homeowners and renters is split roughly 68/32. The surrounding counties are mostly made up of owner-occupied homes as well, with Rockwall County having the highest homeownership rate, closely followed by Kaufman County with over 76% live-in owners. On the other spectrum is Dallas County, where the housing market is split evenly between live-in homeowners and renters.

More than 1 in 8 housing units in Rockwall County are experiencing overcrowding, lack of plumbing, and/or unsanitary kitchen conditions.

Housing Insurance Analysis:

  1. Over 42,000 housing units in Rockwall County need 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 and condo associations.

  2. Rockwall County has nearly 8,000 rental units, all of which should be insured with Landlord Insurance. Landlord insurance protects both the property and the owner from potential liability issues.

  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.

  4. Because Rockwall County is located in Tornado Alley, all residents should be aware of the procedures and safeguards put in place by local agencies. Rockwall County has experienced 18 tornadoes since 1957. Tornadoes are most likely in Rockwall County in April and May, then in October. As a result, it is recommended that homeowners, landlords, and renters in the county obtain appropriate insurance policies against loss and damage.

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

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Residential Insurance in Texas

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Rockwall County Health

Rockwall County's uninsured health rate (≈15%) is lower than the state average. In Rockwall County, nearly 1 out of every 7 adults and 10% of all children do not have health insurance. This figure is significantly lower than the 20.7% state average (in 2021). Dallas County has the highest uninsured rate among neighboring counties, with approximately a quarter of residents lacking health insurance. Collin County, on the other hand, has the lowest rate of uninsured residents in the area, at less than 13%. Gaines County has the highest rate of uninsured adults in Texas, approaching 36%, while Loving County has the lowest, around 11%.

1 in 7 adults in Rockwall County has a health problem. Nearly a quarter of the population does not engage in physical activity, contributing to almost 1/3 of the population being obese, which is in line with the Texas average of 32%. Kaufman County has the highest obesity rate of any peer county, accounting for a staggering 40% of the adult population. Collin County, on the other hand, is said to have the lowest obesity rate among its neighbors, estimated at 25%.

In Rockwall 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. Health insurance is the most important type of insurance, and nearly 15,000 Rockwall 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 and Individual marketplace health insurance, 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 the 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 Rockwall County, contact a Texas-licensed health insurance agent.

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Health Insurance in Texas

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Rockwall County Mortality and the End of Life Statistics

The average life expectancy in Rockwall County is estimated to be around 80.5 years old, which is higher than the Texas state average of 79.2 years old. Collin County has the highest life expectancy among neighboring counties, at 82.7 years old, and Hunt County has the lowest, at 76.4 years old. Presidio County has the highest average life expectancy rate in the state, at 88.8 years. With a life expectancy of 72.8 years, Donley County has the lowest average.

Rockwall County had nearly 15,000 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 Rockwall County

Annually, roughly 6-7 fatal crashes occur on Rockwall County roads, with a rate of approximately 7.57 fatal crashes per 100,000 vehicles on the road.

Rockwall County had 1,402 crashes in 2020, resulting in 7 fatalities, according to the Texas Department of Transportation (TxDoT). Alcohol was responsible for more than one-third of all traffic deaths.

Final Expenses - Rockwall 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 Rockwall County is close to $8,000. Among neighboring counties, Hunt County has the most affordable funeral service costs (under $6,000), while Collin County has the most expensive funeral service costs (over $9,900).

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that around 7,000 Rockwall County senior citizens may be putting an undue burden on their family and friends with basic funeral expenses. For example, rather than mourning the loss of a loved one, the family may need to 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 Expenses.

If you need consultation and advice on life insurance in Rockwall County, contact an experienced and knowledgeableTexas-licensed life insurance agent, with access to multiple insurers and policy types.

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

Life Insurance in Texas

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