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New Jersey is the 5th-most-costly state in which to own a car

New Jerseyans spend $2,421 a year just to operate a car, according to a study by Bankrate, an online financial site.

But it nothing to do with gas costs and is all about insurance.

At $1,244 a year, New Jerseyans have the second-highest average car-insurance costs, after Louisiana, which racks up an average cost of $1,277. In most states, drivers pay less than $1,000 a year in insurance. New Jersey also has the highest repair costs in the country, at $393 on average. When it comes to gasoline prices, New Jersey drivers pay an average of $783 a year – lower than all but New York, Washington, DC, Alaska and Pennsylvania.

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