Cobb County

Cobb County - Health Statistics and Analysis

About 17 percent of adults living in Cobb County under the age of 65 do not have proper health insurance. This is below the Georgia state average of 19 percent. In the region, Fulton County has the lowest percentage among the group, while the highest uninsured rate in the area is in Bartow County.

Colquitt County has the highest uninsured adult rate in the entire Georgia state, nearly 30%, while the lowest, at around 11%, is in Oconee County.

More than 16 percent of adults in Cobb County report health problems. Around 25 percent of the Cobb County population do not exercise regularly. Roughly 31 percent of adults living in Cobb County are obese (with a BMI of 30 or more), which is lower than the Georgia state average of 33 percent. In the area, Fulton County has the lowest percentage of adults with obesity (29%), while the highest is in Douglas County (over 34%).

In 2022, 110,847 Cobb County residents were registered in Medicare, with the following utilization:

At least 11 health insurance companies provide affordable and often subsidized ACA health insurance in Cobb County, on and off the federally-operated Georgia health insurance marketplace. In 2022, almost 50 thousand Cobb County residents were enrolled in private individual-market ACA plans.

Health Insurance Analysis

1. Health insurance is the most essential insurance coverage, and around 120 thousand adults residing in Cobb County lack this necessity.

2. Health insurance in Marietta: Georgia is among the states that allow the sale of several types of health insurance and supplemental health insurance. This makes it easier for Cobb County residents to obtain coverage that suits their specific needs (both medically and financially):

   • Group or Individual Marketplace ACA health insurance,

   • Various types of Short Term insurance (up to 3 years in coverage),

   • Hospital Indemnity insurance,

   • Accident & Health insurance, etc.

3. Low-income health insurance: If health insurance is not being bought due to unaffordability, low-income residents of Cobb County are generally advised to apply for government health insurance subsidies, which can significantly lessen the health insurance cost.

4. If you do not have pre-existing conditions, short-term health insurance may offer an alternative saving path.

Note: Some Georgia multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage.

Discuss your health insurance needs with an expert state-licensed Georgia health insurance professional with access to a variety of health insurance plans available to Cobb County residents. Offerings of health insurance coverage and its costs may differ between zip codes.

Cobb County - Driving Statistics and Analysis

There are around 615,976 private and commercial automobiles registered in Cobb County. This number represents about 7% of all registered vehicles in the state of Georgia.

Around 77 percent of adults driving in Cobb County travel to and from work alone, and more than half of those daily trips last more than half an hour.

Motor Vehicle Crashes in Cobb County

Statistics show that casualties from vehicular accidents in Cobb County occur at an approximate rate of 9 per 100 thousand vehicles on the road: around 56 crashes being fatal yearly.

In 2021, there were an estimated 27,273 accidents in Cobb County that led to 10,413 injuries and 79 fatalities as stated by the Georgia Department of Transportation (GDOT). On the other hand, 248 motorcycle crashes were recorded that same year which led to 208 injuries and 16 fatalities.

Around 21% of casualties in Cobb County are caused by alcohol-impaired driving.

Auto Insurance Analysis

1. Approximately 616 thousand automobiles registered in Cobb County need insurance coverage: Property Damage and Bodily Injury Liability are required for all motor vehicles on the road. Depending on the type of vehicle and its use (commercial or private), the additional required insurance may be:

   • Private Auto,

   • Commercial Auto,

   • Comprehensive Coverage,

   • Non-owners car insurance,

   • Commercial Transportation,

   • Inland Marine,

   • Gap,

   • Ride-sharing,

   • Short-term car insurance, and so on.

2. Car insurance in Marietta: Around 377 thousand local vehicles share the roads of Cobb County on a daily basis, and this is one of the key factors that raise auto insurance premiums in the county. Everyone operating a separate automobile increases the probability of a vehicular collision, which in turn, raises the auto insurance premium rates.

3. With 12 percent of Georgia’s motorists uninsured, it is possible that an estimated 74 thousand motor vehicles in Cobb County do not have sufficient auto insurance coverage. This emphasizes the need for Uninsured Motorist coverage.

To know more about your auto insurance needs and to find affordable car insurance in Cobb County, contact a proficient Property & Casualty (P&C) insurance agent licensed in the state of Georgia.

Cobb County - Housing Statistics and Analysis

Same with most of Georgia state’s residences where 65% of its homes are occupied by homeowners, the majority of the estimated 312,946 homes in Cobb County are also owner-occupied. In the area, Paulding County has the highest percentage of homeowners, while the lowest is found in Fulton County.

Across the state of Georgia, the highest proportion of owner-occupied homes is found in Harris County, over 89%, while Chattahoochee County has the highest proportion of residences for rent (76%).

In Cobb County, approximately 14 percent of homes encounter housing problems, poor plumbing, overcrowding, or issues with the kitchen. In 12 percent of dwellings, residents spend over half of their earnings just on housing.

Housing Insurance Analysis

1. Around 313 thousand homes in Cobb County needed insurance coverage in 2022. At a minimum, all owners of these properties should have:

   • Homeowners,

   • Condo insurance, and/or

   • Business property insurance (for multi-housing units) to protect the underlying financial investment from possible loss or damage.

2. With over 106 thousand housing units in Cobb County as rentals, landlords get Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants and their guests. If you rent your home, your insurer must know about it or your claims can be rejected.

3. Renters insurance in Marietta: Tenants buy Renters Insurance coverage to protect their belongings from possible damage or loss while living 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 Cobb County will require Renters insurance as a stipulation of the lease.

For consultation and to get a quote on Homeowners, Renters, Condo, Flood, and other types of insurance in Cobb County, contact a Property & Casualty (P&C) insurance agent licensed by the state of Georgia.

Cobb County - End of Life Statistics and Analysis

The residents of Cobb County have an average life expectancy of about 80 years old, which is above the Georgia state average (77) and also the highest in the region. Among the neighboring counties, Bartow County has the lowest average life expectancy, followed by Douglas County.

The lowest average life expectancy in the state of Georgia is found in Miller County, at 69.5 years, while the longest life span is in Forsyth County (82.3).

In 2022, there were an estimated 101,106 senior residents (65 and older) in Cobb County.

Life Insurance Facts

1. 47% of Americans did not have an active life insurance policy of any type in the year 2022.

2. Life insurance premiums are based on the age of the insured when the policy starts, among other aspects. The younger you are when you lock in your best rate, the more you save in premiums over the period of the policy.

3. 14 percent of the adults in Cobb County smoke, and this lifestyle will likely affect the life insurance costs of approximately 83 thousand adults who may have to pay up to 4 times compared to non-smokers. A smoker’s life expectancy is considered shorter, making them more of a risk than people who do not smoke.

4. Besides the death benefit, Cash Value life insurance can be used for Living Benefits by the insured while they are still alive, to borrow against it, or even used as a source of tax-free retirement income.

Cobb County - Funeral Expenses Statistics and Analysis

The average price of a funeral in Cobb County is around $8,300, which is significantly higher than the Georgia state average ($5,900) and also the highest among its neighbors. In the area, Fulton County has the most affordable funerals (averaging $6,200), followed by Cherokee County ($6,300). Jones County tends to have the most expensive funerals in the state of Georgia, (≈ $11,700), while Jefferson County is the least expensive ($4,000).

Life Insurance Analysis

1. With 46% of Americans dying with savings of less than $10,000, over 46 thousand seniors living in Cobb County could be placing the unneeded and frequently unmanageable financial burden on family and friends. While grieving their loss, not only does the family need to plan the funeral, but quite often, it also needs to pay for it too.

(Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

2. Besides the burial costs, the deceased frequently leave taxes and other liabilities behind for the family to take care of. Discuss your senior life insurance options with a licensed Georgia life insurance professional.

3. The most commonly used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense (also known as Burial insurance).

4. Indexed Universal Life (IUL) is the most common life insurance policy to use for its living benefits and to help with funding the retirement.

5. The most often used life insurance policies to leave money to the family are the variations of: Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Final Expense (FE), and several Universal Life insurance policies.

Life insurance in Marietta: To find out more about life insurance options and to get life insurance policy quotes in Cobb County, consult with a knowledgeable state-licensed and seasoned life insurance professional who has access to multiple insurers and plan types for comparison.

Cobb County - Business

Commercial insurance needs differ between each of the roughly 21 thousand business establishments in Cobb County, as part of the Marietta metro area. The largest job-creating sectors are:

• Professional, Scientific, & Technical Services

• Retail Trade

• Health Care & Social Assistance

Commercial Insurance Analysis

1. Every business in Cobb County needs some type of insurance based on what it does and the amount of people it employs. The coverage mostly falls into:

   • Commercial Property (real estate, vehicles, equipment, inventory, etc),

   • Business Liability, and

   • Employee Protection and Benefits, such as:

     • Health insurance,

     • Life insurance,

     • Disability insurance,

     • Workers’ Compensation insurance, and

     • Unemployment insurance.

2. Approximately 50 thousand professional services and consulting businesses in the county can benefit from professional liability insurance, also known as Errors and Omissions insurance (E&O insurance), that protects them and their clients in case the professional advice they give causes damages or losses.

3. Retail businesses typically insure all business-owned or leased property and the employees. Besides that, every customer-facing operation typically requires liability insurance, in case the visitor gets hurt on the premises or by using the product.

4. Health care professionals can benefit from Medical malpractice coverage, which protects both the patients and the insured medical professionals.

To evaluate your business insurance needs in Cobb County and to get a commercial insurance quote, speak with a knowledgeable Georgia-licensed commercial insurance agent with access to several insurers and premium financing options. Always try to compare at least 2 or 3 plans before deciding on the coverage.

Cobb County - Insurance Help

By speaking with an insurance agent licensed to help Cobb County’s residents and businesses, expect the agent to do the following for you:

• analyze your needs and restrictions,

• review your current policy to make sure that the coverages are reflective of the current needs and the local insurance market. If updates are needed, the agent help to enact them,

• research the locally available plans that fit your needs and is usually able to find a better deal than what a consumer can find on their own,

• check for available savings and bundling discounts,

• provide you with the available options of coverage,

• explain how the differences between the options affect you once you start using each insurance product,

• assist you with the application process and getting quotes,

• answer all of your questions about coverages and costs - as it pertains to your specific situations

• conduct annual review of your policies, to make sure that the existing coverages meet your current insurance needs.