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Tyler County

Driving in Tyler County

Approximately 17,008 private and commercial vehicles call the roads of Tyler County their home. This number accounts for roughly 0.07% of the total cars registered in Texas.

Around 81% of adult drivers in Tyler County travel to and from work alone, and more than 2 out of 5 of those commutes last for more than half an hour.

Approximately 20% of Texas drivers are uninsured, and roughly 3,400 vehicles in Tyler County alone are uninsured.

Auto Insurance Analysis:

  1. More than 17 thousand vehicles registered in Tyler county require some type of insurance coverage. The basis of the insurance premiums depends on the type of vehicle and usage. The required insurance may be: Personal Auto, Farm Transportation, Inland Marine, Comprehensive Coverage, etc.

  2. Most of Tyler County roads are rural. Rural roads have less traffic and less potential for vehicular collision. Meanwhile, rural areas are more prone to animals getting in the way of moving cars. Most crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Tyler county residents should consider Comprehensive Auto coverage, which helps repair the damage after hitting an animal.

  3. Uninsured Driver Coverage is becoming more important, with 20% of drivers uninsured in Texas. Texans spend roughly $900 million each year to pay for Uninsured and Underinsured Auto Coverage.

To know more about your auto insurance options in Tyler County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Tyler County Housing

Much like most of Texas, Tyler County’s approximately 11,093 housing units are dominated by owners occupying the property, with nearly 84% versus 16% for renters. This is the highest percentage of homes occupied by owners among its neighboring counties, with Hardin County coming in second at 81% to 19%. Angelina County offers the highest percentage of its housing (34%) for rent.

Roughly 1 in 7 housing units in Tyler County encounter housing problems like plumbing issues, overcrowding, or kitchen problems. In about 15% of homes, residents spend more than half of their income on housing.

Housing Insurance Analysis:

  1. Over 11 thousand housing units in Tyler County require insurance coverage. All owners of these properties should have Homeowners, Condo Insurance, and/or Business Property Insurance (for ) to safeguard the underlying financial investment from possible loss or damage.

  2. With nearly 2 thousand housing units in Tyler County listed as rentals, owners of these properties procure Landlord Insurance to cover the property from possible liability claims arising from the tenants.

  3. To protect the tenant’s property from possible damage or loss, they obtain Renters Insurance. Average renters’ insurance is affordable, and it covers the tenant’s property from burglary and damages caused by fire, smoke, water, and vandalism. Some landlords in Tyler County may require Renter's insurance as part of the lease conditions.

For inquiries and other information about Homeowners, Renters, Condo, Flood and different residential insurance in Tyler County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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Tyler County Health

Tyler County is the third worst-rated in its neighboring counties in terms of proper health insurance, with 20% of its population not having proper coverage. The county with the highest adult uninsured rate among its immediate neighbors is Polk County with 23%, while Hardin County ranks the lowest with 16%. In the entire state of Texas, Gaines County has the highest rate at 36%, while the lowest rate is reported in Loving County at 11.4%. In 2021, Texas's average adult uninsured rate was around 20.7%.

Over 21% of adult residents in Tyler County report health problems, which is roughly 3,700 people.

Roughly 36% of residents in Tyler County do not engage in physical exercise activities, which is possibly why around 42% of the population in the County has problems with obesity (with a BMI of 30 or more). This figure is higher than the Texas average of 31%. Looking at its peer counties, Jasper County rates the highest with 44%, while Hardin County has the lowest with 37%.

At least three health insurers in Tyler County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. More than 3 thousand residents of Tyler County do not have the most important insurance coverage, which is health insurance.

  2. The sale of multiple types of health insurance and supplemental products is allowed in the state of Texas. This makes it easier for residents to acquire coverage that fits their specific needs (both medically and financially): Various types of Short-term insurance (up to 3 years in coverage), Group or Individual Marketplace ACA health insurance, Hospital Indemnity, Accident & Health, etc.

  3. Low-income consumers are advised to apply for government subsidies if they are unable to afford health insurance. This will substantially lower the cost of insurance.

  4. Short-term insurance is an alternative option if you wish to save money and do not have any pre-existing conditions. (*Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Reach out to a state-licensed knowledgeable Texas health insurance professional with access to various health insurance options available in Tyler County.

A Texas Health Insurance Agent:

  • Examines your insurance and health needs and limitations
  • Explores the plans in your area that best suit your needs
  • Lays out available options of coverage
  • Describes the effect of the different options once the insurance policy becomes active
  • Helps you with the process of application
  • Does not influence your cost of insurance. (agent’s service is paid by the insurer)
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Health Insurance in Texas

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Tyler County Mortality and the End of Life Statistics

In Tyler County, the average life expectancy for residents is roughly 75.7 years old, lower than the Texas average of 79.2. Among its immediate neighbors, Angelina County has the longest life span at 76.3, while the shortest is in Polk County with 73.7 years. In the entire state of Texas, Presidio County has the highest life expectancy at 88.8 years, while the lowest life span is in Donley County, at 72.8 years old.

More than 4,800 seniors (65 and older) lived in Tyler County in 2022.

Life Insurance Facts:

  1. 47% of Americans did not have an active life insurance policy in 2022.

  2. Throughout the policy, life insurance premiums allow you to save more if you get it at a younger age. It is based on the age of the insured when the policy begins.

Motor Vehicle Fatalities in Tyler County

Vehicular fatalities in Tyler County statistically occur at a rate of 29.24 per 100,000 vehicles, resulting in an average of five fatal crashes yearly.

In 2020, the Texas Department of Transportation (TxDoT) reported 214 crashes in Tyler County, resulting in seven fatalities. Alcohol is determined as the main factor for the fatal crashes in Tyler County in nearly 14% of the total vehicular fatalities.

Final Expenses - Tyler County Funeral Home Cost

Tyler County has the second-highest cost within its area in terms of average funeral expenses at $8,500. Polk County reports the highest average funeral cost, not just in the region, but in the entire state, with an average of almost $11,000, while Jasper County has the least expensive cost at $5,800. The state’s average funeral price is around $6,200.

Life Insurance Analysis:

  1. 46% of Americans die with a savings of not more than $10,000, and over 2 thousand Tyler County senior residents could be placing an unnecessary financial burden on friends or family. They may have no time to grieve as they must look for a way to pay for the funeral. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased also frequently leaves taxes and other debt behind for the family to take care of aside from the burial costs.

  3. Usually, Term Life Insurance and Final Expense Insurance are the most used life insurance policies to cover “final expenses” up to $50,000.

  4. The most common life insurance policies to leave money to the family are: Term Life Insurance and variations of Permanent Life Insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

Talk to an experienced and licensed Texas insurance professional about life insurance options in Tyler County. Knowledgeable insurance agents with access to multiple insurers can help you evaluate your needs and then offer you different solutions to fill them.

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

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

Life Insurance in Texas

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