The family-owned Mexican restaurant literally across the street from the nearest Chipotle sells their burritos starting at 7.99, 9.99 if you want to add a full side order of rice and beans. I can get two full meals for almost the same price as Chipotle. Sounds like OP’s local places are ripping them off.
I wouldn't really call it ripping me off if that's what they need to set their prices at in order to survive. NJ is an expensive state so it's not really surprising. I was just using a couple of the closest places to me in the suburbs as an example. If I were to go into a city like New Brunswick which has a large hispanic population and a ton of local places then there are definitely spots with cheaper options but there are still a ton that are more expensive than Chipotle.