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

Williamson County

Driving in Williamson County

Williamson County has an estimated 506,409 registered automobiles, or about 2.17% of all private and commercial vehicles in Texas, and more than 79% of adult drivers in Williamson County drive alone to work, with over 177,912 of them commuting for 30 minutes or more.

It is estimated that 20% of Texas drivers are uninsured and over 100,000 vehicles in Williamson County alone are uninsured.

Auto Insurance Analysis:

  1. Over 500 thousand vehicles registered in Williamson County need some type of insurance coverage. Depending on the type of vehicle and its use, the required insurance may be Private Auto, Commercial Auto, Auto Liability, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc.

  2. One of the reasons that vehicle premiums in Williamson County tend to be higher than in less densely populated counties is because more than 300,000 drivers are commuting every day. Because everyone is driving their car, there are more vehicles on the road, which increases the likelihood of an accident. As risk increases, so does premium pricing.

  3. Longer daily commute, of approximately 178,000 Williamson County residents, increases the cost of auto insurance because it increases the amount of time a driver spends on the road and thereby increases the chances of getting into a possible car accident.

  4. With 1 out of 5 drivers uninsured in Texas, Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

To discuss your auto insurance in Williamson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Williamson County Housing

Like the majority of Texas, where the majority of homes are owner-occupied, Williamson County's 228,145 housing unit market favors homeowners (68%) over renters (32%). The bordering counties are mostly made up of owner-occupied homes, with Lee County leading the way with almost 81% owner-occupied, while Travis County trailing behind with a 52% homeownership rate.

1 out of every 8 housing units in Williamson County experiences housing problems, overcrowding, lack of plumbing, or issues with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Over 228 thousand dwelling units require insurance in Williamson County. Home and condo owners should at the very least have Homeowners or Condo Insurance to protect themselves against property loss or damage.

  2. With approximately 70,000 rental units in Williamson County, owners of those properties are urged to purchase Landlord Insurance, which protects the property as well as the landlord from potential liability claims brought by renters. Apartment complexes are covered by Business Property insurance.

  3. Tenants can protect themselves by purchasing Renters Insurance, which is substantially less expensive than homeowner's insurance because it only covers the renter’s property. Property theft/loss, vandalism, smoke, sewer backup damage, water, and fire are all covered by renters' insurance. It also protects a tenant from being held liable if someone is injured on the premises.

Discuss your Home insurance needs and options with a state-licensed Property & Casualty (P&C) insurance professional. A Texas P&C insurance agent analyzes your needs, researches viable options of coverage, explains the subtleties between the possible options, and assists you with the application process. The agent usually continues to be the client’s preferred link to the insurer, for the duration of the policy.

Williamson County Health

In Williamson County, nearly 1 in 8 adults do not have health insurance. It also has the lowest rate (approx. 12%) of uninsured residents among its neighbors. Meanwhile, Bastrop County has the highest adult uninsured rate among neighboring counties, at 23%, with Lee County posting the second worst of the group (over 22%).

19% of the Williamson County population do not participate in physical exercise activities.

Around 31% of the Williamson County residents are considered obese (with a BMI of 30 or more), which is slightly lower than the Texas average of 31.4%. Among the neighboring counties, Travis County reports the lowest obesity – at 23% of the residents. On the other hand, Bastrop County has the highest at 42%.

At least 6 health insurers in Williamson County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage and almost 70,000 residents of Williamson County lack this necessity.

  2. Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. This makes it easier for Texans to obtain coverage that fits their specific needs (both medically and financially): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If you do not have pre-existing conditions, Short term insurance may be an option. (Note: Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available in Williamson County.

Williamson County Mortality and the End of Life Statistics

The average life expectancy for the residents of Williamson County is around 82.1 years old, which is higher than the Texas average of 79.2. It is also the county among its neighbors with the highest life expectancy. The county with the lowest life expectancy among its neighbors is Milam County with 76.7. The highest life expectancy in the state of Texas is seen in Presidio County at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.

In 2022 there were 79,802 seniors (65 and older) residing in Williamson County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have an active life insurance policy of any type.

  2. Life insurance premiums are based on the age of the insured when the policy begins. The younger you are when you get it, the more you save in premiums over the course of the policy.

Motor Vehicle Fatalities in Williamson County

Motor vehicle fatalities in Williamson County statistically occur at a rate of 8.43 per 100,000 vehicles on the road: approximately 42-43 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported over 6,605 crashes in Williamson County, with a resultant 43 fatalities. Alcohol has been determined to be the primary cause of fatal crashes in Williamson County in more than 27% of all driving fatalities.

Final Expenses – Williamson County Funeral Home Cost

The average price of a funeral in Williamson County is reported at almost $7,500, which is the highest cost in the surrounding area. Among the neighbors of Williamson County, Travis County is the next county with the highest average funeral cost of almost $6,900, while Milam County has the lowest at $5,000 - which is still lower than the state’s average of $6,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, almost 40,000 Williamson County senior residents could be placing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of.

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

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

Speak with a licensed Texas insurance professional about life insurance options in Williamson County.