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Health Statistics and Analysis - Mercer County

Mercer County 11%
Burlington County 7%
Hunterdon County 6%
Middlesex County 11%
Monmouth County 8%
Somerset County 7%

In Mercer County, over 11% of the adult population lack proper health insurance coverage. This rate is identical to the New Jersey State average, and is the highest compared to its adjacent neighbors (tied with Middlesex County). Hunterdon County, on the other hand, posts the lowest uninsured adult rate, not only in the region but across New Jersey as well.

With Hunterdon County having the lowest uninsured rate statewide, the highest rate is reported in Passaic County, averaging 17%.

At least 4 health insurance companies offer affordable and frequently subsidized ACA health insurance to the residents of Mercer County, on and off the state-operated New Jersey’s official health insurance marketplace.

Health Problems

Nearly 17% of adults in Mercer County have health problems:

Health Factors % of Population
Adults who smoke 15%
Higher than average alcohol consumption 16%
Lack sufficient sleep 39%

Furthermore, around 28% of the population in Mercer County fail to participate in daily physical activities, which is a contributing factor as to why 31% of residents are considered obese (with a BMI of 30 or more).

Mercer County’s obesity rate is the highest among its surrounding counties and the New Jersey state average.

Mercer County 31%
Burlington County 30%
Hunterdon County 28%
Middlesex County 26%
Monmouth County 29%
Somerset County 26%
State Average 26%


In 2022, 66,773 Mercer County residents were enrolled in Medicare, with the following utilization:

Mercer County Medicare Utilization:

MEDICARE PLAN TYPE Usage Among Eligible Users
Original Medicare 57%
Medicare Advantage 43%
Original Medicare Part A and Part B 46%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 43%
Medicare Part D (Medigap) 99%
Medicare Advantage Prescription Drug Plan 51%
Source: Data.CMS.gov

Health Insurance Analysis

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Driving Statistics and Analysis - Mercer County

Around 256,716 personal and business-used vehicles are registered in Mercer County. This number accounts for over 4% of all the vehicles in the State of New Jersey.

Over two-thirds of Mercer County’s adult drivers travel to work unaccompanied, and around 33% of those commutes take more than an hour a day.

Motor Vehicle Crashes in Mercer County

Automobile fatalities in Mercer County happen at a rate of 7 per 100,000 vehicles on the road. About 1 in 5 vehicular fatalities in Mercer County are caused by alcohol-impaired driving.

According to the New Jersey Department of Transportation (NJDOT), in 2020, there were 7,495 crashes recorded in Mercer County, and as reported by the New Jersey State Police (NJSP), 20 of those incidents were fatal: 21 total deaths.

Mercer County - Auto Insurance Analysis

Over a quarter of a million cars registered in Mercer County need insurance coverage

Auto Insurance Required in Mercer County

Liability Coverage Pays damages for causing the accident
Personal Injury Protection (PIP) Pays your and your passenger's medical expenses
Uninsured Motorist Coverage Protects the insured in an accident with uninsured or underinsured vehicle
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Residential Property Statistics and Analysis - Mercer County

Mercer County 64% 36%
Burlington County 75% 25%
Hunterdon County 84% 16%
Middlesex County 64% 36%
Monmouth County 74% 26%
Somerset County 76% 24%
State Average 64% 36%

Mercer County’s estimated 146,314 residential properties are mostly inhabited by the owners (64%), as opposed to renters (36%). Mercer County’s homeownership rate is one of the lowest among its adjacent counties and is tied with the New Jersey State average. Among its neighbors, Middlesex County is tied for the lowest homeownership rate in the region, while Hunterdon County reports the highest owner-occupied rate in the region and throughout the State of New Jersey.

While Hunterdon County reports the highest proportion of owner-occupied homes in the state , Hudson County has the most rental units (≈68%).

Around 18% of dwelling units in Mercer County experience housing problems like overcrowding, inadequate plumbing, or kitchen issues. In 1 out of 6 homes, residents allocate over 50% of their income to housing expenses.

Mercer County Housing Insurance Analysis

Close to 150 thousand housing units in Mercer County need insurance coverage:
≈ 92,000 Homeowner

Occupied Dwellings

HOMEOWNERS Insurance At a minimum, all owners of residential properties should have property insurance to protect the underlying financial investment from possible loss or damage.
CONDO Insurance
COMMERCIAL PROPERTY Insurance (for multi-unit properties)
≈ 54,000 Rental Units LANDLORDS Insurance Landlords obtain insurance which covers the property itself and from the possible liability claims arising from the tenants and their guests.

If you rent out your home, basic homeowners insurance is not enough.

RENTERS Insurance in Trenton Tenants buy renters insurance coverage to protect their belongings from possible damage or loss while residing in a rented space. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism.

Most landlords in Mercer County require Renters insurance as a condition of the lease.

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Commerce and Insurance in Mercer County

Largest Job-Creating Sectors in Mercer County
Educational Services
Health Care and Social Assistance
Professional, Scientific & Technical Services

Mercer County is home to nearly 10 thousand business establishments, each with varying commercial insurance needs.

Commercial Insurance Analysis

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End of Life Statistics and Analysis - Mercer County

NEIGHBORING COUNTY Average Life Expectancy
Mercer County 79.3
Burlington County 79.1
Hunterdon County 83.2
Middlesex County 80.6
Monmouth County 79.8
Somerset County 81.9

In Mercer County, residents have an average lifespan of 79.3 years old, which is almost at par with the New Jersey State average of 79.5. Among Mercer County’s neighbors, the shortest life expectancy is observed in Burlington County, while Hunterdon County records the longest average in the region and statewide.

In contrast to Hunterdon County, the shortest average life span in the state is seen in Salem County, at 74 years.

In 2022, there were approximately 59,000 seniors (65 and older) residing in Mercer County.

Life Insurance Facts

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Funeral Expenses Statistics and Analysis in Mercer County

For a traditional funeral, Mercer County residents spend an average of around $8,000, which is higher than New Jersey State’s average of $6,900, and the highest among its immediate neighbors. On the other hand, Somerset County has the least expensive funeral in the region, at $6,200, followed by Burlington County, with $6,900.

In the entire state of New Jersey, Cape May County holds the highest cost of a funeral, at $8,300, while Salem County has the least expensive, averaging $5,300.

Life Insurance Analysis

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Most Common Life Insurance in Mercer County

Typical Use Life Insurance Policy Type
Burial Insurance

(Death Benefit of up to $50,000)

Term Life
Final Expense Insurance
Death benefit of over $50,000 - $500,000 at the lowest cost Term Life
Lifelong protection, Retirement Planning, Living Benefits, Cash Value accumulation, Tax-free access to CV, and Death Benefit Indexed Universal Life (IUL)