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New Jersey drivers see among biggest car insurance premium increases

NEW, an online resource to educate consumers on auto, home, health, and life insurance, Tuesday revealed the 10 states that experienced the most significant increases in car insurance premiums.

Rates are going up for most drivers. The average cost of car insurance premiums nationwide rose from $1,355 in 2016 to $1,585 in 2022, jumping nearly 17 percent.

South Carolina, New Jersey, Missouri and several other states suffered even greater increases in premium costs, according to’s research. In some states, residents saw their premiums escalate by more than 50% since 2016.

There are several reasons why car insurance premiums rise faster in some states than others. For example, population size, the number of claims in an area, and state laws affect insurance rates, said John McCormick, editorial director for

“Insurers often use localized information to set rates,” McCormick said. “They even consider if a particular area is prone to severe weather damage.”

The 10 States Seeing the Biggest Car Insurance Premium Hikes:

State 2016 Average Rate 2022 Average Rate % Increase
South Carolina $1,263 $2,068 63.74%
New Jersey $1,353 $2,214 63.64%
Missouri $1,158 $1,807 56.04%
South Dakota $1,052 $1,631 55.04%
North Carolina $963 $1,451 50.67%
Nebraska $1,117 $1,654 48.08%
Texas $1,308 $1,884 44.04%
Montana $1,224 $1,731 41.42%
California $1,527 $2,119 38.77%
Maine $920 $1,264 37.39%


While the price of car insurance is heading up in many states,’s research finds there are also a handful of states, including Connecticut and Pennsylvania, where residents saw their premiums decrease.

Jay Edwards

Born and raised in Northwest NJ, Jay has a degree in Communications and has had a life-long interest in local radio and various styles of music. Jay has held numerous jobs over the years such as stunt car driver, bartender, voice-over artist, traffic reporter (award winning), NY Yankee maintenance crewmember and peanut farm worker. His hobbies include mountain climbing, snowmobiling, cooking, performing stand-up comedy and he is an avid squirrel watcher. Jay has been a guest on America’s Morning Headquarters,program on The Weather Channel, and was interviewed by Sam Champion.

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