MONMOUTH COUNTY
Health Statistics and Analysis - Monmouth County
| NEIGHBORING COUNTY | Uninsured Adults |
| Monmouth County | 8% |
| Middlesex County | 11% |
| Mercer County | 11% |
| Burlington County | 7% |
| Ocean County | 9% |
In Monmouth County, the rate of adults that do not have proper health insurance coverage is 8%, which is 3 percentage points lower than New Jersey’s 11% average. Among its adjacent counties, the highest rate is seen in Middlesex County and Mercer County. On the other hand, Burlington County has the lowest proportion of uninsured adults in the area.
In the entire New Jersey, Passaic County has the highest rate (17%) while Hunterdon County has the lowest (6%).
At least 4 health insurance companies offer affordable and frequently subsidized ACA health insurance to the residents of Monmouth County, on and off the state-operated New Jersey’s official health insurance marketplace.
Health Problems
Approximately 14% of Monmouth County adults have health problems:
| Health Factors | % of Population |
| Adults who smoke | 15% |
| Higher than average alcohol consumption | 20% |
| Lack sufficient sleep | 37% |
It also doesn’t help that about 23% of Monmouth County residents do not frequently exercise, which contributes to the county’s 29% adult obesity rate (with a BMI of 30 or more).
Among its peers, Monmouth County’s adult obesity statistic is the highest.
| NEIGHBORING COUNTY | Obesity Rate |
| Monmouth County | 29% |
| Middlesex County | 26% |
| Mercer County | 31% |
| Burlington County | 30% |
| Ocean County | 28% |
| State Average | 26% |
Medicare
In 2022, 132,180 residents of Monmouth County were enrolled in Medicare.
Monmouth County Medicare Utilization:
| MEDICARE PLAN TYPE | % of Eligible Users |
| Original Medicare | 71% |
| Medicare Advantage | 29% |
| Original Medicare Part A and Part B | 61% |
| Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries | 29% |
| Medicare Part D (Medigap) | 81% |
| Medicare Advantage Prescription Drug Plan | 65% |
| Source: Data.CMS.gov | |
Health Insurance Analysis
Driving Statistics and Analysis - Monmouth County
In 2022, there were about 428,308 locally registered vehicles on the roads of Monmouth County. That constituted close to 7% of all vehicles registered in New Jersey.
In Monmouth County, 7 in 10 adults travel to and from their workplaces by driving alone. About 44% of those drivers spend at least one hour a day behind the wheel.
Motor Vehicle Crashes in Monmouth County
The statistical rate at which motor vehicle fatalities happen in Monmouth County is 6 per 100,000 vehicles on the road. A third of driving deaths in the county are attributed to alcohol-impaired driving. This statistic is the highest in the entire state.
According to the New Jersey Department of Transportation (NJDOT), there were 13,058 crashes in Monmouth County in 2020. Per the New Jersey State Police (NJSP), 33 of these crashes were fatal, resulting in 34 deaths.
Monmouth County - Auto Insurance Analysis
| Nearly 430 thousand vehicles registered in Monmouth County need insurance coverage
Auto Insurance Required in Monmouth 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 |
Residential Property Statistics and Analysis - Monmouth County
| NEIGHBORING COUNTY | Homeowners | Renters |
| Monmouth County | 74% | 26% |
| Middlesex County | 64% | 36% |
| Mercer County | 64% | 36% |
| Burlington County | 75% | 25% |
| Ocean County | 80% | 20% |
| State Average | 64% | 36% |
Monmouth County and its surrounding counties follow the statewide trend of having more homeowners than renters. Among Monmouth County’s estimated 264,620 residential dwellings, 74% are inhabited by their owners while 26% are rental homes. In the region, the highest proportion of owner-occupied homes is seen in Ocean County. The lowest, on the other hand, is recorded in Middlesex County and Mercer County, where the homeownership rate is the same as the state average.
The state leader in terms of owner-occupied residential units is Hunterdon County (≈84%). Meanwhile, Hudson County tops the rank for having the most rental units (≈68%).
About 19% of homes in Monmouth County have housing problems, which include poor plumbing, kitchen issues, and overcrowding. In 1 out of 6 houses, residents allocate at least half of their income for housing expenses.
Monmouth County Housing Insurance Analysis
| Over 260 thousand homes in Monmouth County need insurance coverage: | ||
| ≈ 195,000 Homeowner
Occupied Dwellings |
HOMEOWNERS Insurance | At the minimum, all residential property owners should have property insurance to protect their underlying financial investment from possible loss or damage. |
| CONDO Insurance | ||
| COMMERCIAL PROPERTY Insurance (for multi-unit properties) | ||
| MANUFACTURED HOME Insurance | ||
| ≈ 69,000 Rental Units | LANDLORDS Insurance | Landlords obtain insurance to cover their property and themselves from possible liability claims from the tenants and their guests.
If you rent out your home, basic homeowners insurance is not adequate. |
| RENTERS Insurance in Middletown Township | Tenants get renters insurance coverage to protect their belongings from possible damage or loss while in a rented unit. Average renters’ insurance is inexpensive and typically covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism.
Most landlords in Monmouth County add Renters insurance as a lease condition. |
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Given its proximity to the Atlantic Ocean, Monmouth County is vulnerable to the wind and flood damages caused by hurricanes and storms. The highest likelihood of hurricanes forming and wreaking havoc on the county is usually between August and late October. Residents of Monmouth County have to be aware of the safety procedures and guidelines set by county, and state agencies. Moreover, homeowners, landlords, and renters in Monmouth County must get appropriate insurance coverage to protect their property from wind and water damages, and even total loss.
Commerce and Insurance in Monmouth County
| Largest Job-Creating Sectors in Monmouth County |
| Health Care and Social Assistance |
| Educational Services |
| Retail Trade |
Monmouth County’s over 19 thousand business establishments have varying commercial insurance needs.
Commercial Insurance Analysis
End of Life Statistics and Analysis - Monmouth County
| NEIGHBORING COUNTY | Average Life Expectancy |
| Monmouth County | 79.8 |
| Middlesex County | 80.6 |
| Mercer County | 79.3 |
| Burlington County | 79.1 |
| Ocean County | 78.5 |
Monmouth County’s almost 80-year average life expectancy is comparable to New Jersey’s average of 79.5 years. Among its peers, this figure is the second-highest, closely following Middlesex County. The shortest average lifespan in the region is seen in Ocean County.
Across the state, Hunterdon County residents have the longest average life expectancy, (82.3). At 74 years, Salem County residents have the lowest average.
In 2022, there were about 116,000 senior residents (65 and older) in Monmouth County.
Life Insurance Facts
Funeral Expenses Statistics and Analysis in Monmouth County
At $7,500, Monmouth County’s average funeral expenses are higher than the state’s $6,900. This amount is the second-highest among its peers, after Mercer County’s $8,000. Meanwhile, the most cost-effective average is seen in Ocean County ($6,800).
In the entire New Jersey, Cape May County residents spend the biggest amount on funeral expenses ($8,300). Meanwhile, Salem County residents tend to hold the least expensive funerals at $5,300.
Life Insurance Analysis
Most Common Life Insurance in Monmouth 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) |
