New Jersey Auto Insurance Rates

New Jersey drivers pay more for auto insurance than drivers in any other state.

NJ drivers paid an average of $1,184 in premiums and expenditures to insure each vehicle in 2005, down only about $10 since reforms aimed at increasing competition in the state's auto insurance market were implemented in 2003.

In Pennsylvania, the average auto insurance cost climbed from $726 in 2001 to $850 in 2005. In Delaware, auto insurance premiums increased from an average of $851 in 2001 to $1,028 in 2005. The nationwide average was $829, up from $726 in 200.

Underwriting costs, driving locations, accident rates, traffic density, auto theft statistics, repair costs and state laws can all affect a state's expenditures premiums, which make direct state-to-state comparisons difficult.