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Health Statistics and Analysis - Monmouth County

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.

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


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

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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
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Residential Property Statistics and Analysis - Monmouth County

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)
≈ 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.

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.

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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

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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

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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

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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)