It will depend on various factors if your insurance rates will be cheaper in California than in New Jersey. On average though California auto insurance can be more affordable than NJ car insurance.

In 2003, the average insurance premium for a California driver was $950 while in New Jersey the average was $1,365. The national average that year was $914.

The insurance coverages for California and New Jersey are a bit different. While liability limits are both set at 15/30/5, NJ requires $15,000 worth of personal injury insurance (PIP) to be purchased while PIP is an optional coverage in CA.

California proposition 103 established uniform guidelines upon which your auto rates would be determined. The primary factors are:

• The operator's driving safety record;
• The number of miles driven annually;
• The number of years of driving experience.

There are 16 secondary rating factors which may be used in any combination to determine your specific rates and calculate your individual premium based on an insurance company's filing with the CA Department of Insurance (CDI).

Secondary factors include items such as marital status, severity of claims in the geographic area where your car is garaged, vehicle type, etc. So factors including your driving record are considered when determining your insurance rates but there are not insurance eligibility points assigned for things like there are in NJ.

Get an automobile insurance quote for Orange County or other areas of California by clicking here.