New Yorkers Are Better Drivers, but New Jerseyans Pay Less for Car Insurance

Lisa Steuer McArdle
· 3 min read
New York
New Jersey
—it’s a classic rivalry familiar to those who live locally, specifically in the New York City area closest to where the two states meet.
Some say this rivalry dates back to the 1700s, when New York and New Jersey fought over the placement of state lines. There was also a court battle between the states in the 1990s over which one owns Ellis Island, the historic gateway to America (and it was ruled to belong mostly to New Jersey).
So residents of New Jersey might be happy to know that there’s at least one other win they can claim over New Yorkers. According to our data here at
, New Yorkers are better drivers, but they also pay more for
car insurance
than New Jersey drivers.
New Yorkers seem to be overpaying for car insurance.

New York vs New Jersey driving violations

Jerry reviewed more than 574,000 car insurance quotes for drivers in all states on the east and west coasts. We sourced the data from our more than 1 million total customer quotes provided between July 2020 to July 2021.
Our data indicates that New Jersey drivers have 17% more violations than New York drivers.
In fact, our data shows that 37% of New Jersey drivers have violations, while 20% of New York drivers do.
In addition, the most popular violation for New Yorkers was failure to obey traffic signs. The other states—on both the east and west coat—were most often cited for speeding.
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New York vs New Jersey car insurance cost

But while New Yorkers may be better drivers than New Jerseyans, the latter is a winner in another area—car insurance cost.
Our data also indicated that those New York drivers pay more for car insurance than New Jersey.
On average, New Jerseyans pay on average $281 monthly for car insurance, while New Yorkers pay about $400.
When we compared East Coast to West Coast as a whole, we found that East Coasters pay, on
average, 45% more on average per month than West Coasters. So while New Jersey may have cheaper car insurance costs than New York, it’s still cheaper in other states.
All figures are based on drivers that have no violations.

New York car insurance costs increase

Unfortunately for New Yorkers, this is nothing new. They have actually paid some of the highest car insurance rates in the country in recent years, according to the
Insurance Information Institute
In fact, between 2013 and 2017, New Yorkers saw car insurance rates jump by 14% and go to 34% higher than the national average.

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