Nearly 90% of N.J. auto insurers have hiked rates this year. Look for yours on this list.

Ouch.

Seriously, ouch.

New Jersey has approved auto insurance rate hikes for 69 of the state’s 77 carriers so far this year.

The biggest? It went to Vault Reciprocal Exchange, a company that bills itself as an insurer for “affluent individuals and families.” It requested a 38.9% rate hike and was granted a 30% boost, according to data from the state Department of Banking and Insurance.

Farmers Casualty Insurance asked for the highest hike at 40%. It received the second-highest approval at 28.3%.

Next in line was Liberty Mutual, which requested and received a 26.2% increase.

None of the companies responded to requests for comment.

But in recent years, insurance companies have all told a similar story. More incidents of excessive speeding and distracted driving have led to more se