McKayla Girardin, Car Insurance Writer
@mckayla_girardin
No, car insurance in New Jersey is not cheaper than in Massachusetts. Massachusetts car insurance rates are an average of $1,789 per year cheaper than New Jersey, in part because Massachusetts 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 New Jersey vs. Massachusetts
Category | New Jersey | Massachusetts |
Good Drivers | $254 per month | $105 per month |
Full Coverage Policy | $625 per month | $327 per month |
Young Drivers (16 to 19-year-olds) | $397 per month | $181 per month |
Older Drivers (55 to 65- year-olds) | $142 per month | $49 per month |
High-Risk Drivers | $241 per month | $108 per month |
Best Company Overall | The General | The General |
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 New Jersey can still find cheap car insurance rates by comparing quotes from several different insurers regularly, taking advantage of available discounts, and having safe driving habits.
To learn more, check out WalletHub's picks for the cheapest car insurance companies in New Jersey and Massachusetts.
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 around $6,080 per year for full coverage car insurance, compared to the national average of $4,211 per year. 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.
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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.
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