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


Health Statistics and Analysis - Salem County

Salem County 10%
Cumberland County 15%
Gloucester County 7%

About 10% of Salem County’s adult population do not have proper health insurance coverage. This number is slightly lower than the New Jersey State average of 11%. Among the neighboring counties, Cumberland County has the highest uninsured rate, while Gloucester County has the lowest percentage of uninsured adults.

In the entire state, Hunterdon County appears to have the biggest number of adults with proper health insurance coverage, with less than 6 percent uninsured rate. Meanwhile, 17 percent of Passaic County adult residents are uninsured.

There are at least 4 health insurance companies that offer affordable and frequently subsidized ACA health insurance to Salem County residents, on and off the state-operated New Jersey’s official health insurance marketplace.

Health Problems

Almost 19% of adults in Salem County report problems with health:

Health Factors % of Population
Adults who smoke 20%
Higher than average alcohol consumption 18%
Lack sufficient sleep 39%

On top of these, 32% of the Salem County population are physically inactive, which could have contributed to the obesity of around 31% of the adult residents (with a BMI of 30 or more).

Salem County’s obesity rate is higher than the New Jersey average of 26%, but is the lowest among its neighboring counties:

Salem County 31%
Cumberland County 40%
Gloucester County 34%
State Average 26%


In 2022, 14,326 Salem County residents were enrolled in Medicare.

Salem County Medicare Utilization:

MEDICARE PLAN TYPE Usage Among Eligible Users
Original Medicare 65%
Medicare Advantage 35%
Original Medicare Part A and Part B 57%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 35%
Medicare Part D (Medigap) 91%
Medicare Advantage Prescription Drug Plan 60%
Source: Data.CMS.gov

Health Insurance Analysis

Health insurance supplemental analysis, Salem County, NJ.svg

Driving Statistics and Analysis - Salem County

In 2022, there were about 43,124 vehicles registred in Salem County, which comprised less than 1 percent of all the registered automobiles in the State of New Jersey.

83% of Salem County adults drive to and from work, and nearly 40% of these drives take more than an hour a day.

Motor Vehicle Crashes in Salem County

Motor vehicle fatalities in Salem County statistically occur at a rate of 15 per 100,000 vehicles on the road. Approximately 1 in 4 fatalities are caused by alcohol-impaired driving.

Per the New Jersey Department of Transportation (NJDOT), 1,401 crashes were recorded in Salem County in 2020. According to the New Jersey State Police (NJSP), the 11 fatal incidents resulted in 14 deaths.

Salem County - Auto Insurance Analysis

Over 43 thousand vehicles registered in Salem County need insurance coverage

Auto Insurance Required in Salem 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
Auto insurance supplemental analysis, Salem County, NJ.svg

Residential Property Statistics and Analysis - Salem County

Salem County 69% 31%
Cumberland County 66% 34%
Gloucester County 80% 20%
State Average 64% 36%

Salem County has the fewest estimated residential properties in the state of New Jersey (≈27,579 homes in 2022). About 69% of its residential dwellings are inhabited by the owners themselves, while 31% are rental units. Compared to the New Jersey State average, Salem County has a higher owner-occupied percentage. In the neighboring counties, Gloucester County tops the chart with 80% of its housing units occupied by the owners. Statewide, Hunterdon County has the highest percentage of owner-occupied homes (≈84%), while Hudson County has most of its residences listed for rent (≈68%).

Nearly 18% of housing units in Salem County experience housing problems, overcrowding, substandard plumbing, or kitchen issues. In 18% of homes, residents spend more than half of their household income on housing.

Salem County Housing Insurance Analysis

Almost 28 thousand residential units in Salem County need insurance coverage:
≈ 19,000 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)
≈ 8,000 Rental Units LANDLORDS Insurance Landlords obtain insurance which covers the property itself and the possible liability claims that the tenants and their guests might demand.

For those renting a home, basic homeowners insurance is not enough.

RENTERS Insurance in Pennsville Township Tenants buy renters insurance coverage to protect their belongings from possible damage or loss while residing in a rented house. Average renters’ insurance does not cost much and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism.

Most landlords in Salem County require Renters insurance as a prerequisite to the lease.

Salem County’s proximity to the Atlantic Ocean makes it vulnerable to the wind and flood damages brought about by hurricanes and storms, which typically occur between June and November. Every resident of Salem County should know the safety procedures and guidelines set by county and state agencies. Homeowners, landlords, and renters in Salem County should secure appropriate insurance coverage to protect their property from wind and water damages, and even total loss.

Residential insurance supplemental analysis, Salem County, NJ.svg

Commerce and Insurance in Salem County

Largest Job-Creating Sectors in Salem County
Health Care and Social Assistance
Educational Services

There are over 1 thousand business establishments in Salem County, each with varying commercial insurance needs.

Commercial Insurance Analysis

Commercial insurance supplemental analysis, Salem County, NJ.svg

End of Life Statistics and Analysis - Salem County

NEIGHBORING COUNTY Average Life Expectancy
Salem County 74.0
Cumberland County 74.6
Gloucester County 77.2

The average life expectancy for Salem County residents is 74 years, which is the shortest in the entire state. New Jersey’s average lifespan of 79.5 years is longer than the average life expectancy of all the people residing in the region, with Gloucester County still shy by over 2 years.

Hunterdon County has the longest average lifespan across the state, with 83.2 years.

In 2022, there were approximately 12,000 seniors (65 and older) residing in Salem County.

Life Insurance Facts

Life Insurance Facts, Salem County, NJ.svg

Funeral Expenses Statistics and Analysis in Salem County

The average funeral cost in Salem County is around $5,300, which is the state’s lowest average. Among the three peer counties, Cumberland County has the most expensive funeral services at $7,000. Across New Jersey, the average funeral cost is $6,900, while Cape May County has the highest, closer to $8,300.

Life Insurance Analysis

Life insurance supplemental analysis, Salem County, NJ.svg

Most Common Life Insurance in Salem 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)