org-table-tab-jumps-over-hlines

org-table-tab-jumps-over-hlines is a variable defined in `org-table.el'.
Its value is

t

Documentation:
Non-nil means tab in the last column of a table with jump over a hline.
If a horizontal separator line is following the current line,
`org-table-next-field' can either create a new row before that line, or jump
over the line. When this option is nil, a new line will be created before
this line.

You can customize this variable.