NJ is I believe the worst in the US. Just recently Allstate increased my insurance by 550$ a year for no reason. I flipped and asked why and all they said was there was a increase to everyone in NJ they had no control of it. I decided to just pay it since im getting rid of the car, and will shop at that point. I just bought a house, just turned 30, and never had a single point, ticket, or accident. So I guess a 1200$ a year policy isn't to far fetched?