by 
The Curious Bag
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New Jersey has borne the stigma of being an extremely expensive place to drive, and for good reason. New Jersey's unique features make it almost "perfectly" bad to insure your car.
Identification
New Jersey has very high insurance rates because the state consists of mostly dense, urban areas where residents tend to own and drive their cars frequently, reports CarInsuranceRates.com.
Fun Fact
In 2009, New Jersey again topped the list of average state insurance premiums with $2,501 per car, reports CarInsurance.com.
Features
Urban areas usually come with increased rates of grand theft auto and vandalism, reports CarInsuranceRates. Because of these high insurance premiums, many more drivers forgo insurance, further increasing the average New Jersey resident's insurance rate.
Theories/Speculation
Some critics of the insurance rates in New Jersey, such as governor John Corzine, believe only regulatory caps can lower these premiums, reports CarInsuranceRates.
Tips
CarInsurance.com recommends that motorists compare premiums at different companies; rates in New Jersey can change drastically from year to year. Premiums in 2009, for example, are 13 percent higher than in 2008.
Source:
CarInsurance.com; New Jersey Car Insurance - Auto Insurance Quote in NJ
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