Gwinnett County

Gwinnett County - Health Statistics and Analysis

The whole state of Georgia has an average of 19 percent uninsured adult rate, which is lower than Gwinnett County’s 21 percent uninsured adults. In the neighboring region, Hall County has the highest percentage of uninsured adults, while the lowest is in Forsyth County.

Colquitt County records the highest uninsured adult rate statewide, with nearly 30%, while Oconee County is observed to have the lowest rate, at around 11%.

Around 19 percent of adults in Gwinnett County encounter health problems. More than 29 percent of the Gwinnett County population do not engage in physical exercises or activities. Approximately 32 percent of the adults residing in Gwinnett County are obese (with a BMI of 30 or more), which is lower than the Georgia state average of 33 percent. In the area, the lowest percentage of adults with obesity is found in Forsyth County (27%), while the highest is in Rockdale County (38%).

In 2022, 116,525 Gwinnett County residents were registered in Medicare, with the following utilization:

At least 11 health insurance companies provide inexpensive and often subsidized ACA health insurance in Gwinnett County, on and off the federally-operated Georgia health insurance marketplace. In 2022, around 62 thousand Gwinnett County residents were enrolled in private individual-market ACA plans.

Health Insurance Analysis

1. Health insurance is the most essential insurance coverage, and more than 184 thousand adults residing in Gwinnett County lack this necessity.

2. Health insurance in Gwinnett County: Georgia is among the states that allow the sale of several types of health insurance and supplemental health insurance. This makes it easier for Gwinnett 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 Gwinnett County are generally advised to apply for government health insurance subsidies, which can substantially 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 Gwinnett County residents. Offerings of health insurance coverage and its costs may differ between zip codes.

Gwinnett County - Driving Statistics and Analysis

Gwinnett County’s roadways are home to around 764,407 business and private vehicles. This is equivalent to around 9% of all registered vehicles in Georgia state.

An estimated 77 percent of adults in Gwinnett County drive to and from their work alone, and over half of those travels last longer than 30 minutes each way.

Motor Vehicle Crashes in Gwinnett County

Vehicular accidents in Gwinnett County statistically result in deaths at a rate of 9 per 100 thousand vehicles on the road: around 66 fatal crashes per year.

In 2021, the Georgia Department of Transportation (GDOT) reported 27,285 vehicular accidents in Gwinnett County that led to 11,052 injuries and 70 fatalities. On the other hand, 160 motorcycle crashes were recorded that same year which led to 121 injuries and 7 fatalities.

Over 24% of casualties in Gwinnett County are caused by alcohol-impaired driving.

Auto Insurance Analysis

1. Approximately 764 thousand automobiles registered in Gwinnett County need insurance coverage: Property Damage and Bodily Injury Liability are required for all 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 Gwinnett County: around 460 thousand local vehicles share the roads of Gwinnett 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 92 thousand motor vehicles in Gwinnett 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 Gwinnett County, contact a proficient Property & Casualty (P&C) insurance agent licensed in the state of Georgia.

Gwinnett County - Housing Statistics and Analysis

In Gwinnett County’s estimated 327,949 residences, most of them are owner-occupied, which is similar to the majority of the entire Georgia state’s residential marketplace where 65% of its homes are occupied by homeowners. In the area, Forsyth County has the highest proportion of owner-occupied homes, while Fulton County has the highest in renters.

Across the state of Georgia, Chattahoochee County leads in the percentage of residences for rent, nearly 76%, while the lowest tenancy is found in Harris County, with just 11%.

Roughly 17 percent of residences in Gwinnett County experience problems with housing, overcrowding, poor plumbing, issues with the kitchen. In 15 percent of homes, residents spend more than half of their earnings on housing.

Housing Insurance Analysis

1. Around 330 thousand homes in Gwinnett 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 111 thousand housing units in Gwinnett 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 Gwinnett County: 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 Gwinnett 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 Gwinnett County, contact a Property & Casualty (P&C) insurance agent licensed by the state of Georgia.

Gwinnett County - End of Life Statistics and Analysis

Compared to the state average of Georgia (77 years), Gwinnett County shows higher average life expectancy at nearly 81 years old. Looking at the neighbors, Walton County has the lowest average among the group, while Forsyth County shows the longest life spans, not just in the area, but also across the state of Georgia.

Statewide, Miller County has the lowest average life expectancy, at 69.5 years old.

In 2022, there were an estimated 103 thousand senior residents (65 and older) in Gwinnett County.

Life Insurance Facts

1. In 2022, 47% of Americans did not have an active life insurance policy of any type.

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 duration of the policy.

3. Around 15 percent of the adults in Gwinnett County smoke, and this lifestyle will likely affect the life insurance costs of close to 105 thousand adults who may have to pay up to 4 times more 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.

Gwinnett County - Funeral Expenses Statistics and Analysis

Gwinnett County has an average funeral price of around $6,300, which is above the state average of Georgia ($5,900). Among the neighboring counties, Rockdale County has the highest average cost for a funeral ($9,600), while the least expensive is in Forsyth County, averaging $5,500. Statewide, Jones County has the highest average price for a funeral, more or less $11,700, while the lowest is in Jefferson County, with an average of $4,000.

Life Insurance Analysis

1. With 46% of Americans dying with savings of less than $10,000, more than 47 thousand seniors living in Gwinnett 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 frequently, 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 Gwinnett County: To find out more about life insurance options and to get life insurance policy quotes in Gwinnett County, consult with a knowledgeable state-licensed and seasoned life insurance professional who has access to multiple insurers and plan types for comparison.

Gwinnett County - Business

Commercial insurance needs differ between each of the estimated 26 thousand business establishments in Gwinnett County, as part of the Peachtree Corners metro area. The largest job-creating sectors are:

• Retail Trade

• Health Care & Social Assistance

• Manufacturing

Commercial Insurance Analysis

1. Every business in Gwinnett 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. 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.

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

4. Manufacturing businesses usually require insurance coverage for:

   • Employees’ health and safety

   • Production facilities and property

Product liability coverage protects the manufacturer itself if their product hurts the consumer and a claim or a lawsuit is filed against the company.

To evaluate your business insurance needs in Gwinnett 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.

Gwinnett County - Insurance Help

By speaking with an insurance agent licensed to help Gwinnett 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.