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NJ, overall as a state, has the highest car insurance premiums in the United States. I don't know whether insurance in North Jersey is lower or higher than in South Jersey.
NJ, overall as a state, has the highest car insurance premiums in the United States. I don't know whether insurance in North Jersey is lower or higher than in South Jersey.
The rates also vary according to crime statistics. If you live in an area (inner city for example) that has a higher rate of auto thefs then your rates will be higher. Since there are a greater number of large inner cities etc in northern NJ I would expect the overall rate for northern NJ to be higher than southern NJ.
Rates are quite high by comparison to most areas--its the legacy of the NJ no-fault system. But one of the few good things the state legislature has done recently is reform auto insurance so that rates are beginning to trend down. I have been shopping around for new insurance and have found the options to be much better than they were a few years ago (both in cost and the companies serving NJ).
Overall, I would say the cost in most of the state is comparable to other high-cost metro areas like Philadelphia, Detroit, and Washington DC. (Which is to say, not cheap at all.)
OMG we have great driving records and my car insurance went up again..and I have to raise my homeowners insurance...it doesnt matter what part of Jersey your in the rates are all the same...and with all these weather problems in other states I was told by my friend who owns a state farm agency in Monmouth they are going to be raising rates again for homeowners...
Actually, car ins rates are HIGHER in South Jersey (not by too much, but definately higher, only because the accident level is SO much higher. South Jersey is VERY rural, most speed limits are 50 (with most people going 60) - so unfourtanitely, when an accident occurs, it's quite often deadly - so yes, rates are somewhat lower in North Jersey! Personally, I'd rather pay the extra money - for the higher quality of life!
Figure it out............your NOT in North Jersey.("who may pay a "tad" bit less than you") ..... in Central Jersey (who pays a just a little bit less than her friend in South Jersey (but hey, her friend in South Jersey lives a MUCH BETTER LIFE!!!!!!!! God Bless Them!!!!!!!
We just moved from Hudson County to Bergen County and our insurance went down by almost $700. So, it definitely depends on the area.
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