Guess what state is the costliest in U.S. for car insurance?

New York is not the most expensive state in the U.S. when it comes paying  auto mobile insurance.  I know you're shocked.  Wait, this is explains it, kind of:  New Jersey is. It actually tops the list of the most expensive place in the U.S. to get automobile insurance, according to a recently released report by the National Association of Insurance Commissioners.  According to 2011 premiums, the most recent year available, New Jersey paid an average of $1,302 per year.  This is about $390 more than the national average.  Other top states were Louisiana($1,282), the District of Colombia($1,274), and New York ($1,234). (Are they sure they got this right?)

However, there are some things contributing to Jersey's rise to the top:

Many New Jersey Insurance Cos. have a giveback dividend program where customers receive annual dividend checks.

New Jersey state insurance consumers overall  tend to buy more coverage and more liability insurance.

Insurance is costlier in high-population areas, and New Jersey is the most densely populated state in the country.

This does shed some light on it, kind of,  but then as a New Yorker and a car owner in Brooklyn I'm really not convinced! 

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