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The average cost of auto insurance in New Jersey has fallen to #12 when compared to rates in the rest of the country.

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Chevrolet Volt (Alex Wong/Getty Images)

At one time New Jersey used to be at the top of the list. But after reforms spearheaded by former Governor James McGreevey and the introduction of competition into the market, rates have tumbled.

Acecording to the survey by the website  insure.com, the most expensive auto insurance in the country is found in Louisiana. “Louisiana drivers who get in accidents file more bodily injury claims than drivers in other states,” explained ays R. Parke Ellis, president-elect of the Independent Insurance Agents & Brokers of Louisiana and chairman of Gillis, Ellis & Baker Inc. in New Orleans.”Louisiana also has a high rate of comprehensive claims, which include damage from natural disasters.”

Maine is ranked at the bottom of the list with an average of $934 per year thanks to the rural nature of the state. “Maine’s tight restrictions on young drivers and its graduated licensing program for new drivers also likely help keep accidents (and rates) down, says Sheila Sawyer, president of the Maine Insurance Agents Association.

 


2013 state rankings of car insurance rates (insure.com)

Rank State Avg. annual premium*
1 Louisiana  $  2,699
2 Michigan  $  2,520
3 Georgia  $  2,155
4 Oklahoma  $  2,074
5 Washington, D.C.  $  2,006
6 Montana  $  1,914
7 California  $  1,819
8 West Virginia  $  1,816
9 Rhode Island  $  1,735
10 Kentucky  $  1,725
11 Connecticut  $  1,723
12 New Jersey  $  1,697
13 Alabama  $  1,667
14 Missouri  $  1,638
15 Massachusetts  $  1,625
16 Pennsylvania  $  1,604
17 Delaware  $  1,586
18 Hawaii  $  1,583
19 Texas  $  1,545
20 Arkansas  $  1,545
21 Maryland  $  1,528
National average  $  1,510
22 North Dakota  $  1,501
23 Wyoming  $  1,496
24 Alaska  $  1,455
25 Utah  $  1,438
26 Kansas  $  1,435
27 Minnesota  $  1,432
28 New Mexico  $  1,431
29 Tennessee  $  1,408
30 South Dakota  $  1,397
31 Oregon  $  1,387
32 Nebraska  $  1,384
33 New York  $  1,369
34 Florida  $  1,364
35 Mississippi  $  1,345
36 Nevada  $  1,341
37 Virginia  $  1,322
38 Illinois  $  1,322
39 South Carolina  $  1,288
40 Colorado  $  1,271
41 Wisconsin  $  1,228
42 Arizona  $  1,227
43 Washington  $  1,226
44 Indiana  $  1,183
45 Vermont  $  1,176
46 Idaho  $  1,133
47 New Hampshire  $  1,112
48 Ohio  $  1,106
49 North Carolina  $  1,085
50 Iowa  $  1,028
51 Maine  $     934
Source: Insure.com.
* Dollar figures shown are an average of insurance rates for more than 750 vehicles in the 2013 model year.


 

 

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