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

Runnels County

Driving in Runnels County

Around 8,216 registered commercial and personal vehicles call the thoroughfares of Runnels County their home, and this number accounts for 0.04% of all automobiles in Texas.

Roughly 82% of the adult drivers in the county commute daily on their own, and a third of them take at least 30 minutes to complete a one-way trip to or from their place of work.

It is estimated that 1 out of 5 drivers in Texas are uninsured, which could mean almost 2,000 vehicles in Runnels County are uninsured or underinsured.

Auto Insurance Analysis:

  1. Runnels County has over 8 thousand registered automobiles, and they could all use auto insurance coverage. Ride-Sharing Coverage, Collision Coverage, Comprehensive Auto, and Commercial or Farm Transportation are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them. Liability Coverage, on the other hand, is required by law.

  2. Uninsured Driver Coverage is becoming more important to Texas vehicle owners since 20% of its drivers don’t have auto insurance. Texans spend a total of almost $900 million every year on Uninsured and Underinsured Auto Coverage costs.

To get auto insurance advice in Runnels County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas. Many agents may have access to multiple insurers, and they can help you evaluate your needs.

Runnels County Housing

Runnels County’s 5,227 housing unit market is mostly made up of owner-occupied homes (≈71%), just like the majority of Texas (≈62%). Runnels County has the lowest owner-occupied rate in its region, while Newton County has the highest figure at 85%.

Approximately 600 homes in Runnels County experience various housing issues like overcrowding, substandard plumbing, or kitchen-related problems. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. More than 5 thousand homes in Runnels County need insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) to protect the underlying financial investment from damage or even loss.

  2. With almost 2 thousand properties in Runnels County listed for rent, landlords purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. Tenants obtain Renters Insurance to protect their belongings from damage or loss. The average cost of this coverage is usually affordable, and it covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Runnels County include Renters Insurance as a requirement of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for advice and consultation about Homeowners, Renters, Flood, Condo, and other kinds of home insurance in Runnels County.

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences in the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance (Agent’s service is usually paid by the insurer)

Runnels County Health

Around 20% of Runnels County’s population does not have proper health insurance, and this figure is not too far from the state average of 21% (as per 2021 studies). Among the neighboring counties, Shelby County has the highest uninsured rate at 26%, while Jasper County has the lowest figure at 18%.

In Texas, Gaines County has the highest figure for this demographic at 36%. On the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.

Over 23% of residents in Runnels County report problems regarding their health, this means that nearly 2,000 residents in this county are in poor health.

Around 20% of Runnels County’s residents are physically inactive, which contributes to their 19% obesity rate (with a BMI of 30 or more) — this is the lowest percentage in the region. Looking at the adjacent counties, Jasper County has the highest obesity rate at 44%, while Shelby County has the second-lowest obesity rate (≈29%) after Runnels County.

There are at least 4 health insurers in Runnels County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most vital type of insurance, but despite this fact, nearly 2 thousand Runnels County residents do not have proper coverage.

  2. The sale of multiple types of health insurance and supplemental products is permitted in Texas, which makes the shopping process for the best coverage that fits your specific needs (both medically and financially) much easier. Texans can get coverage through Group or Individual Marketplace ACA Health Insurance, Various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Low-income individuals can apply for government subsidies which can significantly lower or even eliminate the costs of health insurance.

  4. Short-Term Insurance is another way to save money if you do not have any pre-existing conditions. (If you have had your policy for a year or more, pre-existing conditions may be covered by some Texas multi-year short-term health insurance.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Runnels County.

Runnels County Mortality and the End of Life Statistics

Runnels County has the second-longest life expectancy in its region, with an average of 76.1 years old — just a couple of years shorter than the Texas average of 79.2 years. Among the neighbors, Newton County has the longest average at 76.9 years old, which is not too far from Runnels County’s average. Shelby and Jasper Counties, on the other hand, have the shortest life expectancy, both at 74.9 years.

Statewide, Presidio County has the highest average at 89 years, and Donley County has the lowest life expectancy rate at 73 years old.

In 2022, there were approximately 2,200 seniors (65 and older) living in Runnels County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not own any kind of life insurance coverage.

  2. Young adults falsely believe that life insurance is the least of their worries. However, should they decide to take out a policy while they are still young, they can save a considerable sum in terms of premiums. Life insurance premiums go up along with the policyholder’s age.

  3. Roughly 19% of Runnels County’s adults smoke, and this habit will spike up the premiums of over 1 thousand residents. A smoker’s life insurance premiums can be up to 4 times more expensive than a non-smoker's, as their life expectancy is deemed shorter.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds as they wish.

Motor Vehicle Fatalities in Runnels County

Motor vehicle fatalities in Runnels County occur at a rate of 24.83 per 100,000 vehicles on the road, averaging 2 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 102 crashes in Runnels County, which led to 6 fatalities. Around 33% of the fatal car crashes in Runnels County involved alcohol.

Final Expenses – Runnels County Funeral Home Cost

The average cost of a funeral in Texas is around $6,200, while families and friends in Runnels County may have to spend $5,200 for the funeral of their loved ones. This figure is tied with Shelby and San Augustine Counties as the most affordable funeral cost average in the region. Meanwhile, Newton County has the most expensive average at $8,700.

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. With 46% of Americans dying with less than $10,000 in assets, the cost of a standard burial for nearly a thousand Runnels County residents could fall on the shoulders of the deceased person’s friends and family. Instead of mourning their loved one’s passing, they may have to focus on figuring out how to pay for the funeral.

  2. On top of burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.

  4. There are different kinds of insurance policies that can help the bereaved family through financial assistance. Such life insurance policies can be Term Life Insurance and variations of Permanent Life Insurance: Whole, Indexed Universal Life, and others.

To get advice regarding life insurance in Runnels County and help lighten the load for your family - reach out to a knowledgeable Texas-licensed life insurance agent with access to multiple insurers. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.