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Health Statistics and Analysis - Sussex County

COUNTY Uninsured Adults
Sussex County 6%
Morris County 6%
Passaic County 17%
Warren County 9%

Over 6% of Sussex County’s adult population are without adequate health insurance coverage — which is lower when compared with New Jersey’s State average of 11%.

Looking at the neighbors: Morris County shows similar stats to Sussex, while Passaic County has the highest uninsured rate not only in the region but also in the entire state of New Jersey.

Statewide, Hunterdon County is recorded to have the highest percentage of its residents with proper health insurance coverage, with less than 6% of its adult residents uninsured.

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

Health Problems

Around 13% of adults in Sussex County report problems with health:

Health Factors % of Population
Adults who smoke 15%
Higher than average alcohol consumption 21%
Lack sufficient sleep 36%

In addition, 24% of the Sussex County residents are physically inactive, which is a contributing factor as to why 26% of the adult residents are considered obese (with a BMI of 30 or more).

Sussex County’s obesity rate is at par with the New Jersey average of 26%:

COUNTY Obesity Rate
Sussex County 26%
Morris County 25%
Passaic County 31%
Warren County 32%
State Average 26%


In 2022, 31,034 Sussex County residents were enrolled in Medicare.

Sussex County Medicare Utilization:

MEDICARE PLAN TYPE Usage Among Eligible Users
Original Medicare 69%
Medicare Advantage 31%
Original Medicare Part A and Part B 58%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 31%
Medicare Part D (Medigap) 82%
Medicare Advantage Prescription Drug Plan 60%
Source: Data.CMS.gov

Health Insurance Analysis

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Driving Statistics and Analysis - Sussex County

There are approximately 96,368 registered (private and commercial) vehicles in Sussex County, which accounts for nearly 2% of all the vehicles registered in the State of New Jersey.

Roughly 4 out of 5 of Sussex County’s adult drivers who commute to and from their place of work - drive alone, and almost 59% of those drivers are behind the wheel for more than an hour a day.

Motor Vehicle Crashes in Sussex County

Motor vehicle fatalities in Sussex County statistically occur at a rate of 8 per 100,000 vehicles on the road. Approximately 23% of motor vehicle fatalities in Sussex County are caused by alcohol-impaired driving.

Per the New Jersey Department of Transportation (NJDOT), in 2020, there were 2,409 crashes recorded in Sussex County, and according to the New Jersey State Police (NJSP), 7 of those vehicular collisions led to 7 fatalities.

Sussex County - Auto Insurance Analysis

Over 96 thousand vehicles registered in Sussex County need insurance coverage

Auto Insurance Required in Sussex 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 - Sussex County

COUNTY Homeowners Renters
Sussex County 84% 16%
Morris County 74% 26%
Passaic County 52% 48%
Warren County 73% 27%
State Average 64% 36%

Sussex County has an estimated 62,894 housing properties and about 84% of them are inhabited by their owners, while only 16% are rental units.

Sussex County’s owner-occupied rate is the highest in the region, while the lowest rate is observed in Passaic County, followed by Warren County.

Hunterdon County has the highest proportion of owner-occupied homes in the state (>84%), while Hudson County has the most rental units (≈68%).

Roughly 14% of housing units in Sussex County experience housing problems, overcrowding, substandard plumbing, or kitchen issues. In 13% of homes, residents spend more than 50% of their income on housing.

Sussex County Housing Insurance Analysis

Nearly 63 thousand housing properties in Sussex County need insurance coverage:
≈ 53,000 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)
≈ 10,000 Rental Units LANDLORDS Insurance Landlords obtain insurance that covers the property itself and the possible liability claims arising from the tenants and their guests.

If your home is a rented space, basic homeowners insurance is not enough.

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

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

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Commerce and Insurance in Sussex County

Largest Job-Creating Sectors in Sussex County
Health Care and Social Assistance
Retail Trade
Educational Services

Sussex County is home to over 3 thousand business establishments, each with varying commercial insurance needs.

Commercial Insurance Analysis

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End of Life Statistics and Analysis - Sussex County

COUNTY Average Life Expectancy
Sussex County 78.8
Morris County 81.8
Passaic County 78.9
Warren County 79.1

The average life expectancy for Sussex County residents is 78.8 years old, which is shorter than New Jersey’s average expected life span of around 79.5 years, and the shortest in the region. Looking at its neighbors, Morris County has the longest lifespan and is the only one to exceed the state average.

The longest average life expectancy in New Jersey is 83.2 years old, recorded in Hunterdon County, and the shortest is in Salem County at 74 years.

In 2022, there were approximately 26,000 seniors (65 and older) residing in Sussex County.

Life Insurance Facts

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Funeral Expenses Statistics and Analysis in Sussex County

The estimated average funeral cost in Sussex County is $6,400, which is more affordable than the New Jersey State average of $6,900. Among the three NJ neighbors, Warren County is seen to have the most expensive funerals at an average of $7,300, while Passaic County’s $5,800 average tends to be the most cost-effective.

Across New Jersey, Salem County funeral homes usually charge the most affordable average at $5,300, while Cape May County, on the other hand, has the most expensive average, at $8,300.

Life Insurance Analysis

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Most Common Life Insurance in Sussex 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)