Are your auto insurance rates ridiculous? Depending on where in the state you live, they may not be as bad as you think.


Thinkstock reviewed annual premiums in New Jersey to report on the average cost of car insurance by city and state. Included in the study are auto insurance rates from fifty companies for five types of drivers. They analyzed rates for thirty of some of the largest cities in the Garden State, and found that the overall average cost was $1,982.

Toms River
Toms River grabs the spot of the third cheapest city for auto insurance rates despite being the 8th most populous spot in our study. With miles of shoreline and frontage on the Jersey Shore to drive, motorists will be glad to learn that rates here are an affordable $1,593, about 20% less than the state average.

Long Branch
Coming in at #4 is Long Branch, home to 31,000 residents. Annual costs to insure a car run at $1,602 for Long Beach drivers, from about $900 for a basic policy for single women in their early 20s to $2,300 for married couples in their 30s and 40s.

North Jersey and Camden had the highest rates in the state. See the full report here.

Do you feel you're overpaying for car insurance? Do these stats match up to your situation? Tell us in the comment section below.