McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Car insurance is cheaper in Florida than New Jersey, on average, though the difference is very small. Florida car insurance rates are an average of $10 per year cheaper than New Jersey car insurance rates, but New Jersey is typically less risky for drivers due to lower rate of car accidents and weather-related vehicle damage.
Average Monthly Cost of Car Insurance in Florida vs. New Jersey
| Category | Florida | New Jersey |
| Good Drivers | $193 per month | $192 per month |
| Full Coverage Policy | $557 per month | $507 per month |
| Young Drivers (16 to 19-year-olds) | $315 per month | $310 per month |
| Older Drivers (55 and 65-year-olds) | $98 per month | $101 per month |
| High-Risk Drivers | $167 per month | $195 per month |
| Best Company Overall |
Note: Rates are an approximation based on a driver with minimum coverage. The “high-risk” category represents a driver with a DUI on their record. Where not noted, the driver is assumed to be a 45-year-old man. Actual rates will vary.
Drivers in both Florida and New Jersey can find cheap car insurance rates by comparing quotes from several different insurers regularly, taking advantage of available discounts, and driving safely.
To learn more, check out WalletHub's picks for the cheapest car insurance in Florida and New Jersey.
People also ask
Why is New Jersey car insurance so expensive?
Car insurance in New Jersey is expensive because it's a no-fault state with the highest population density of any state in the country. In New Jersey, you can expect to pay approximately $6,080 per year for full coverage car insurance or $2,303 per year for minimum coverage. Car insurance in New Jersey is more expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance is steadily increasing,...
read full answer by Anamarie Waite, Car Insurance WriterHow can I get cheaper car insurance?
The best way to get cheaper car insurance is to compare quotes from multiple companies and then switch to whichever insurer offers the coverage you want at the cheapest rate. Other ways to get cheaper car insurance include taking advantage of discounts, improving your driving record, and raising your credit score.
10 Ways to Get Cheaper Car Insurance
1. Compare quotes every 6-12 months.
Every car insurance company calculates premiums slightly differently,...
read full answer by WalletHub, Financial CompanyWhere can I compare car insurance quotes?
You can compare car insurance quotes by getting prices directly from GEICO, State Farm, and Allstate, then using a comparison site like Experian to see how other insurers’ rates compare. It’s best to get quotes directly from the biggest insurers because they do not allow third-party sites to offer quotes on their behalf.
You can also use WalletHub’s analysis to help you choose a car insurance company. WalletHub makes it easy to compare major...
read full answer by Catherine C Ford, WriterDid we answer your question?
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