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 - Somerset County

Somerset County 7%
Hunterdon County 6%
Mercer County 11%
Middlesex County 11%
Morris County 6%
Union County 16%

Around 7% of the total adult residents in Somerset County do not have adequate health insurance coverage. This rate is lower than the average in New Jersey State (11%). Among Somerset County’s surrounding neighbors, Union County posts the highest uninsured adult rate, while Hunterdon County reports the lowest rate in the region and across New Jersey State, at under 6%.

With Hunterdon County posting the lowest uninsured adult rate in the State of New Jersey, the highest rate statewide is in Passaic County, averaging 17%.

Health Problems

Over 12% of adults in Somerset County are troubled by health problems:

Health Factors % of Population
Adults who smoke 12%
Higher than average alcohol consumption 21%
Lack sufficient sleep 36%

Additionally, around 21% of the Somerset County population do not engage in physical activities, which is a contributing factor as to why 26% of the adult residents are considered obese (with a BMI of 30 or more).

Somerset County’s obesity rate is identical to the New Jersey average:

Somerset County 26%
Hunterdon County 28%
Mercer County 31%
Middlesex County 26%
Morris County 25%
Union County 28%
State Average 26%


In 2022, 59,962 Somerset County residents were enrolled in Medicare.

Somerset County Medicare Utilization:

MEDICARE PLAN TYPE Usage Among Eligible Users
Original Medicare 68%
Medicare Advantage 32%
Original Medicare Part A and Part B 55%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 32%
Medicare Part D (Medigap) 84%
Medicare Advantage Prescription Drug Plan 60%
Source: Data.CMS.gov

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

Health Insurance Analysis

Health insurance supplemental analysis, Somerset County, NJ.svg

Driving Statistics and Analysis - Somerset County

There are around 229,818 personal and business-used automobiles in Somerset County, which accounts for nearly 4% of all the vehicles in the State of New Jersey.

Around 3 out of 4 adult drivers in Somerset County drive to their place of employment by themselves, and less than half of those drivers are stuck on the road for more than an hour a day.

Motor Vehicle Crashes in Somerset County

In Somerset County, vehicular fatalities happen at a rate of 5 per 100,000 vehicles on the road. Roughly 17% of motor vehicle fatalities in Somerset County are caused by drunk driving.

According to the New Jersey Department of Transportation (NJDOT), in 2020, there were 6,766 crashes recorded in Somerset County, and according to the New Jersey State Police (NJSP), 14 of those incidents were fatal incidents that led to 14 deaths.

Somerset County - Auto Insurance Analysis

Almost 230 thousand cars registered in Somerset County need insurance coverage

Auto Insurance Required in Somerset 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, Somerset County, NJ.svg

Residential Property Statistics and Analysis - Somerset County

Somerset County 76% 24%
Hunterdon County 84% 16%
Mercer County 64% 36%
Middlesex County 64% 36%
Morris County 74% 26%
Union County 59% 41%
State Average 64% 36%

Somerset County’s estimated 128,645 dwelling units are mostly made up of homeowners (76%) as opposed to renters (24%). This homeownership rate is higher than the New Jersey State average.

Looking at its surrounding neighbors, Union County has the lowest owner-occupied rate, while Hunterdon County reports the highest homeownership proportion, both in the region and across the state.

While Hunterdon County leads with the most owner-occupied homes in the state, Hudson County, on the other hand, has the most rental units (≈68%).

In Somerset County, housing problems are present in around 1 in 6 housing units. Some examples are overcrowding, inadequate plumbing, or issues with the kitchen. In about 15% of homes, residents allocate more than 50% of their income to housing expenses.

Somerset County Housing Insurance Analysis

Nearly 129 thousand housing units in Somerset County need insurance coverage:
≈ 98,000 Homeowner

Occupied Dwellings

HOMEOWNERS Insurance All owners of residential properties should have at least property insurance to protect the underlying financial investment from possible loss or damage.
CONDO Insurance
COMMERCIAL PROPERTY Insurance (for multi-unit properties)
≈ 31,000 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 Franklin 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 Somerset County require Renters insurance as a condition of the lease.

Residential insurance supplemental analysis, Somerset County, NJ.svg

Commerce and Insurance in Somerset County

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

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

Commercial Insurance Analysis

Commercial insurance supplemental analysis, Somerset County, NJ.svg.svg

End of Life Statistics and Analysis - Somerset County

NEIGHBORING COUNTY Average Life Expectancy
Somerset County 81.9
Hunterdon County 83.2
Mercer County 79.3
Middlesex County 80.6
Morris County 81.8
Union County 79.8

Somerset County residents have an average life expectancy of 81.9 years, which is longer than the New Jersey State average (79.5). Among the surrounding neighbors, the shortest average life span is seen in Mercer County, while the longest in the region and statewide is in Hunterdon County.

With Hunterdon County reporting the longest average in the entire state of New Jersey, the shortest, on the other hand, is in Salem County, at 74 years.

In 2022, there were over 55,000 seniors (65 and older) residing in Somerset County.

Life Insurance Facts

Life Insurance Facts, Somerset County, NJ.svg

Funeral Expenses Statistics and Analysis in Somerset County

Somerset County residents tend to spend around $6,200 on funeral expenses. This average cost is lower than the New Jersey State average of $6,900 and is the lowest among its adjacent neighbors. Among the counties in the region, Mercer County averages the highest funeral cost, at $8,000, followed by Hunterdon County ($7,900).

In the entire State of New Jersey, Salem County has been observed to have the most affordable funerals, at $5,300, while Cape May County, on the other hand, records the highest average, at $8,300.

Life Insurance Analysis

Life insurance supplemental analysis, Somerset County, NJ.svg

Most Common Life Insurance in Somerset 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)