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Wilson County

Driving in Wilson County

Wilson County has an estimated 41,690 registered vehicles. This figure equates to around 0.18% of all automobiles registered in Texas. The most common use of vehicles in the county is transportation to and from work. Individuals who commute alone to work account for nearly 80% of the total in Wilson County, with more than half commuting every day for 30 minutes or more.

20% of Texas drivers are projected to be uninsured, with over 8,000 vehicles uninsured in Wilson County alone.

Auto Insurance Analysis:

  1. Nearly 42,000 vehicles registered in Wilson County are required to have liability insurance. In addition to the state-mandated coverage, the vehicles' intended use may necessitate supplemental insurance. Consider the following types of car insurance: Comprehensive Auto, Collision Coverage, Gap Coverage, Non-owner Car Insurance, Ride-sharing Coverage, Farm Transportation, and others.

  2. Due to the rural nature of the majority of Wilson County's thoroughfares, there is less traffic and hence a lower risk of a vehicular crash. In rural regions, though, animals are more prone to venture out onto the road and come in the way of moving cars. In Texas, the majority of animal-related crashes occur twice daily, between 5-8 a.m. and again between 6 p.m. and midnight. November is the most likely month to collide with a deer. In addition to the state-mandated Liability policy, residents of Wilson County are generally advised to buy Comprehensive Auto coverage. Comprehensive auto insurance will cover the expense of damage repair or a complete replacement of your vehicle if you collide with a deer caught in the headlights.

  3. With 1 out 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.

  4. Longer daily commute, of approximately 25 thousand Wilson 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.

To discuss your auto insurance in Wilson 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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Wilson County Housing

Similarly to the rest of Texas, where the majority of homes are owner-occupied, Wilson County has approximately 18,181 housing units, with over 84% of those units inhabited by homeowners and the remaining 16% by renters. The neighboring counties are mostly composed of owner-occupied residences as well, with Guadalupe County having the second-highest owner-occupied rate at nearly 77% and Bexar County having the lowest at almost 59%.

In comparison to the Texas state average of more than 17%, just over 12% of Wilson County families have significant housing challenges, including the following:

  • The cost of housing is becoming increasingly expensive.
  • Due to a lack of readily available plumbing facilities.
  • Overcrowding, and
  • The absence of adequate cooking facilities.

Housing Insurance Analysis:

  1. There are over 18,000 housing units in Wilson County that require insurance coverage. The owners of this property are encouraged to carry the bare minimum amount of homeowner insurance (which may include Homeowners, Condo, and/or Business property insurance). If an incident or damage covered by this insurance occurs, it will assist the owners in replacing or repairing the building's structure or any of its contents.

  2. Landlord insurance is extremely recommended for almost 3,000 rental properties in Wilson County. Landlord insurance protects landlords against loss of rental income and property damage. If a tenant makes a claim against the landlord for liability, the insurance will cover both the property and the landlord.

  3. Additionally, tenants can protect themselves by purchasing Renters Insurance, which is significantly less expensive than homeowner's insurance. Renters insurance protects against theft and property loss, as well as vandalism, smoke, sewage backup damage, flooding, and fire. Additionally, the agreement protects the renter from liability if someone is injured on the property. Wilson County landlords may occasionally require tenants to acquire renters insurance prior to signing a lease agreement.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Wilson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Wilson County Health

Wilson County's insurance rate is higher than the state average and is the second-highest in the county's neighbors. Around 1 in every 6 adults and more than 10% of all children lack health insurance. Gonzales County has the highest rate of uninsured residents in the neighboring counties, at over 25%, while Guadalupe County has the area's lowest average, at 16%. Gaines County has the highest rate of uninsured adults in Texas, nearly 36%, while Loving County has the lowest at 11.4 percent. In 2021, Texas's average adult uninsured rate was approximately 20.7%.

Nearly 1 in 5 adults in Wilson County has a health concern. That is nearly 8,000 people.

Roughly 32% of Wilson County residents do not participate in any type of physical activity.

Approximately 35% of Wilson County residents are considered obese (with a BMI of 30 or above), which is higher than the Texas average of 31.4%. Atascosa County has the highest rate among the neighboring counties, at over 40%. Karnes County, on the other hand, has the lowest obesity rate (27%).

At least 1 health insurer in Wilson County offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important sort of insurance, and over 7,000 people in Wilson County were without this necessary coverage as of 2022.

  2. Texas offers a diverse choice of health insurance options, making it easier for customers to obtain coverage. Marketplace ACA health insurance, Short-term insurance, Hospital Indemnity, Accident & Health insurance, and other choices are available.

  3. If low-income persons are unable to purchase health insurance due to the cost, they should apply for government subsidies, which can drastically reduce the cost of insurance.

  4. If you do not have any pre-existing medical conditions, Short-term insurance may be a viable option for you to consider. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

To get consultation, information, and help in acquiring health insurance in Wilson County, discuss your needs and goals with a certified Texas health insurance agent.

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Health Insurance in Texas

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Wilson County Mortality and the End of Life Statistics

Wilson County residents have a life expectancy of approximately 79 years, which is similar to the Texas average of 79.2 years. Guadalupe County has the longest life expectancy among its neighboring counties at 80 years old, which is a year longer than Wilson County. Karnes County has the shortest average at 74.5 years old. According to statistical data, Presidio County has the greatest life expectancy in the state at 88.8, while Donley County has the lowest at 72.8 years old.

Nearly 9,000 seniors (age 65 and over) resided in Wilson County as of 2022.

Life Insurance Facts:

  1. According to 2021 research, more than 48% of residents in the United States did not have any type of life insurance coverage.

  2. The cost of life insurance premiums is determined by the insured's age when the policy is initiated. The younger and healthier you are when you start coverage, the less money you will have to pay in premiums over the term of the policy.

  3. Basic life insurance is relatively inexpensive and ensures that the individual's beneficiaries receive the death benefits agreed upon by the parties.

Motor Vehicle Fatalities in Wilson County

Motor vehicle fatalities occur at a rate of 19.80 per 100,000 vehicles on the road in Wilson County, resulting in more than 8 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported over 500 crashes in Wilson County, resulting in 15 fatalities. Alcohol is confirmed to be the primary cause of fatal crashes in more than 14% of all driving fatalities in Wilson County.

Final Expenses – Wilson County Funeral Home Cost

Funeral costs in and around Wilson County vary greatly. The average cost of a funeral in Wilson County is said to be more than $4,800. Among Wilson County's neighbors, Bexar County and Guadalupe County nearly have the same average funeral cost as the Texas average ($6,200), while Atascosa County funeral homes have the highest average funeral cost at over $6,600.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, over 4,000 senior residents may be unnecessarily burdening family and friends. Rather than lamenting their loss, the family may have to focus on resolving the financial situation handed to them. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Apart from funeral expenses, the departed typically leave behind taxes and other debts that the family must pay.

  3. Term life insurance and Final Expense insurance are the two most often utilized types of life insurance plans to cover "final expenses" up to a maximum of $50,000 in coverage.

  4. When it comes to leaving a larger sum of money to the family, the most generally utilized types of life insurance are versions of: Term Life Insurance, Whole Life Insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

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

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