Who would have guessed?
as is Massachusetts? No wonder no one believes in statistics anymore!
Nov 23, 2016 at 8:10am Edited
I do know from personal experience that insurance rates are higher in Essex Co. than rates in less heavily populated counties, and NJ has a lot of those. The statistics take this all into account.
eta - But Pa. is very rural, other than the Pittsburgh and Philadelphia areas, so go figure.(Might be all those pick-ups on the roads. 
)
The statistics for Mass. were based on numbers before @RobB moved back.
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NJ is one of the best states for driving.
https://twitter.com/BrianSozzi/status/801384699214106624/photo/1?ref_src=twsrc%5Etfw