I don't accept that as a reasonable answer because there are plenty of other companies offering much better rates in NJ. If they were all in the same ballpark, price-wise, I might agree with you but there is such a large curve of pricing. If it's too costly to offer policies in NJ, don't. But they are in the business to make money so they will offer high premium / minimal coverage auto insurance policies. I get it.

Like I said earlier, Geico is not the company for me.

Per my OP, again, if you think you may be over-paying with Geico...shop around. That's all.

 

I switched from Travelers to Geico while I was living in NJ. Bike has gone down every year, even with a $7,000+ claim in 2010. Auto Ins stays about the same. I just maxxed out my coverage, coming from state minimum, and my payments went up about $20 a month. Bike went up about $50 a yr. I wish I had known this before, I would never have been driving around on state minimum. I still shop around every year, but Geico's still in my glove box. For now anyway, policy re-news in Nov., better start shopping.