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Cheapest car insurance in Brooklyn, New York (Nov 2024)
Cheapest car insurance in Brooklyn, New York (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Brooklyn, New York.
Find Insurance Savings
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Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance quotes in Brooklyn
- Best car insurance companies in Brooklyn
- Best cheap car insurance quotes in Brooklyn
- Car insurance quotes in Brooklyn by rating factors
- How do different factors impact your car insurance costs in Brooklyn?
- Cheap car insurance quotes in Brooklyn after driving violations
- Cheap car insurance quotes in Brooklyn by age
- Cheap car insurance quotes in Brooklyn based on insurance history
- Cheap car insurance quotes in Brooklyn for popular cars
- How to lower car insurance costs in Brooklyn
- FAQs
- Methodology
- Meet our experts
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How to find the cheapest car insurance quotes in Brooklyn
On average,
auto insurance
in Brooklyn costs about $398 per month for minimum coverage liability insurance, and about $589 per month for full coverage insurance. Brooklyn drivers pay 94.5% more than the New York
average. To help drivers learn about their car insurance costs, we created a breakdown of the average cost of premiums in Brooklyn, New York, and the United States.
Coverage type | Brooklyn, NY | New York | United States |
|---|---|---|---|
State minimum | $398 | $122 | $77 |
Full coverage | $589 | $211 | $165 |
The best way to find cheap car insurance in Brooklyn is with the
Jerry
app. Using Jerry, you can compare rates and buy car insurance
in under three hours to help you find your best rates.Best car insurance companies in Brooklyn
To give drivers a clearer look into how the most affordable car insurance companies compare, Jerry conducted the largest insurance survey in the nation. The results: the cheapest insurer varies from person to person.
Since
car insurance quotes
are based on individual factors like your age and driving record, along with each insurer’s individual calculation formula, this is only to be expected. Price isn’t everything either: claim handling and customer service are also important qualities to review when choosing an insurer.
Progressive
, AAA,
Travelers
, and Dairyland
tend to be popular insurers among Brooklyn policyholders. But let’s take a look at how different Brooklyn customers reviewed them on a scale of 0 to 5.Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$96 | $260 | 4.9 | 4.5 | |
$115 | $446 | 5.0 | 4.7 | |
$125 | $381 | 5.0 | 4.2 | |
Gainsco | $135 | $241 | 4.1 | 4.3 |
$141 | $360 | 4.7 | 4.7 | |
$257 | $482 | 4.2 | 4.3 | |
$357 | $544 | 3.9 | 4.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Brooklyn
Drivers in Brooklyn are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.
Cheap minimum liability insurance quotes in Brooklyn
As per New York car insurance laws, Brooklyn drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes:
- $25,000 per person / $50,000 per accident ofbodily injury liability coverage
- $10,000 per accident ofproperty damage liability coverage
- $25,000 per person / $50,000 per accident of bodily injuryuninsured motorist coverage
- $50,000 ofpersonal injury protection
These coverages are commonly referred to as 25/50/10 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
While not all drivers will receive the same quote with all providers, here’s what Brooklyn drivers paid on average with some of the top insurers in the city.
Insurance company | Monthly minimum coverage cost |
|---|---|
$94 | |
Clearcover | $150 |
$174 | |
$236 | |
$271 | |
$357 |
Do you need more than minimum coverage in Brooklyn?
New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Brooklyn drivers.
Additional protection like collision coverage could save you from costs associated with unexpected damages to your car. Increasing liability limits can also help prevent you from paying out of pocket—especially if you’re ever at fault in an accident resulting in a totaled vehicle (or more than one).
The risk of winter storms, heavy rain, and high winds in Brooklyn causing non-collision damage to your car may also make a strong case for adding comprehensive coverage. This type of protection can also keep you financially secure against vandalism and vehicle theft.
For better financial protection in Brooklyn, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.
For better financial protection in Brooklyn, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.
Cheap full coverage car insurance quotes in Brooklyn
New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
- Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
- Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Keep in mind: Most leased or financed vehicles will require collision and comprehensive coverage.
Browse the table below to compare the prices of full coverage policies across insurance providers in Brooklyn:
Insurance company | Monthly full coverage cost |
|---|---|
$326 | |
$381 | |
Clearcover | $382 |
$446 | |
$544 | |
$590 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Car insurance quotes in Brooklyn by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Brooklyn?
How do different factors impact your car insurance costs in Brooklyn?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in Brooklyn:
Cheap car insurance quotes in Brooklyn after driving violations
Your
New York driving history
is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:Cheapest car insurance in Brooklyn after speeding ticket
Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a
speeding ticket
will typically increase your car insurance premiums. Despite this, many drivers with varying speeding tickets have used Jerry to save on car insurance. In Brooklyn, repercussions are different for speeding over the speed limit. The table below demonstrates the average annual cost of car insurance after a speeding ticket, and the average rate Brooklyn drivers experienced.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Speeding | $608 | 23% |
Cheapest car insurance in Brooklyn after DUI
A
DUI violation
will certainly skyrocket your car insurance rate in Brooklyn. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
Here’s what you may pay for car insurance after a DUI in Brooklyn—and what your rates could increase by.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
DUI | $693 | 40% |
Cheapest car insurance in Brooklyn after an at-fault accident
Car accidents
on your claim history can significantly impact your car insurance rates in Brooklyn. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. Even though New York is a
no-fault state
, Brooklyn drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Take a look at how your Brooklyn premiums can change with at-fault accidents in the recent past.
Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
At-fault accident | $578 | 17% |
Cheapest car insurance in Brooklyn after other driving violations
Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Brooklyn.Here’s a list of different driving violations and how they each impact your car insurance costs.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Illegal turn | $500 | 1.2% |
Failure to stop | $561 | 13.5% |
Careless driving | $719 | 45.5% |
Cheap car insurance quotes in Brooklyn by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Brooklyn for young drivers
Car insurance can be high for everyone in Brooklyn, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. Although teen drivers pay significantly higher prices for car insurance in Brooklyn, our data shows that drivers' costs tend to drop as they gain more experience behind the wheel, often resulting in almost average costs by the age of 25:
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
18–21 | $741 | $1,051 |
22–25 | $684 | $919 |
To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.Cheapest car insurance in Brooklyn for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics.
Take a look at the average rates midde-aged drivers pay in Brooklyn for car insurance:
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
26-34 | $410 | $592 |
35-44 | $399 | $542 |
45-54 | $407 | $496 |
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.
Cheapest car insurance in Brooklyn for senior drivers
Similarly, drivers can expect higher premiums once they reach 65+ years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.Check out the table below to see how costs change between drivers 55-64 and 65+ in Brooklyn.
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
55-64 | $360 | $541 |
65+ | $379 | $557 |
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Cheap car insurance quotes in Brooklyn based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. Check out the table below to see how a lapse can influence your premiums:
Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
With coverage lapses | $687 | 39% |
Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 700) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 600).
Here's how much you could pay for car insurance in Brooklyn with different credit scores:
Credit score | Monthly minimum coverage cost |
|---|---|
< 600 | $446 |
601–699 | $358 |
700+ | $260 |
After securing a car insurance policy, the best way to maintain cheap coverage is to build a strong credit score. As your score goes up, your insurance rates should gradually drop.
Cheap car insurance quotes in Brooklyn for popular cars
Your insurance rate is based on multiple factors, including the type of car you drive. If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle.
Here’s what drivers pay on average to insure some of the most popular models in Brooklyn.
Car | Monthly minimum coverage cost |
|---|---|
$406 | |
$473 | |
$475 | |
$494 | |
$566 |
How to lower car insurance costs in Brooklyn
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQs
What is the cheapest car insurance in Brooklyn?
How much is car insurance in Brooklyn?
People living in Brooklyn pay on average $398 per month on state-minimum liability coverage. Full coverage in Brooklyn costs on average $589 per month.
What is the minimum car insurance in Brooklyn, New York?
The state-minimum car insurance in Brooklyn, New York is $25,000 in bodily injury liability per person, $50,000 per accident, and $50,000 for damage to property. These coverages are commonly referred to as 25/50/50 coverage.
What is the best car insurance in Brooklyn?
There is no 'best' insurance provider for all drivers. However,
National General
, Travelers
, and Dairyland
received high overall and customer service ratings from Brooklyn drivers, based on the largest car insurance survey in the nation conducted by Jerry.Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.