reply to CGMason14
You need to compare northern NJ with NYC, not all of NJ with all of NY.
That is why it is 'on average'."We then averaged rates for all vehicles in each state to create the rankings of affordable car insurance."--Brian"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain
Which is why it's useless.
Averages does not make it useless imho
It's useless as to whether the OP's car insurance will go up or down when he tells his insurance company the truth.