Best Cheap Auto Insurance in Brooklyn, New York (2024)

Brooklyn drivers pay nearly 42% more for car insurance than drivers in the rest of the Empire State, but drivers may still find good deals with Travelers, Safeco, and Nationwide.

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Cheapest recent rates near Brooklyn, New York

Drivers using Insurify have found quotes as cheap as $119/mo for liability only and $179/mo for full coverage in Brooklyn and other New York cities.

*Quotes generated for Insurify users in and around Brooklyn, New York within the last 10 days. Last updated on November 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Brooklyn, New York within the last 10 days. Last updated on November 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Theresa Stevens
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Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.


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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated November 20, 2024

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Brooklyn is the most populous borough in New York City, with around 2.7 million residents living across 70 neighborhoods.

In June 2023, 2,618 motor vehicle collisions occurred in Brooklyn. This figure surpasses the collision rates in other boroughs, such as Manhattan (1,351), the Bronx (1,204), and Queens (2,148).[1] The population density and higher frequency of accidents in Brooklyn may contribute to its elevated car insurance costs. 

Here’s what to know about finding cheap car insurance in Brooklyn.

Quick Facts
  • Brooklyn drivers pay more for car insurance than other New York drivers — $627 per month for full coverage and $593 per month for liability-only coverage.

  • New York’s minimum car insurance requirements are higher than in other states, which can contribute to elevated insurance premiums.

  • Travelers, Safeco, and Nationwide are among the cheapest insurance companies in Brooklyn, New York. 

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Best car insurance companies in Brooklyn 

Car insurance companies set rates based on various factors, such as your ZIP code, age, driving history, and the year, make, and model of your vehicle. The best auto insurers in Brooklyn offer policies with a good balance of affordability and protection, providing coverage options to meet your unique needs. In other words, when it comes to car insurance, a cheap price shouldn’t be the only motivating factor.

Here are some of the most affordable car insurance companies in Brooklyn.

Best insurer overall: Travelers

User Reviews
4.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$191/mo
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)

Nancy

November 18, 2024

Verified Review

Checking for Better Rate

Really good.

Jim

November 12, 2024

Verified Review

Typical

They were fair but within a month, they raised their premium by over $50.

Kenneth

November 5, 2024

Verified Review

Excellent

Excellent
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Travelers offers some of the cheapest rates for full-coverage and liability insurance in Brooklyn. The company has a long list of potential discounts for its clients, including multi-policy, multi-car, loyalty, and hybrid/electric car discounts.

Travelers is a top-10 writer of personal insurance in the U.S., offering insurance products such as auto insurance, homeowners insurance, renters insurance, and pet insurance. Travelers also offers business insurance and is the second-largest commercial insurance company in the U.S. 

Pros
  • Numerous coverage options and discounts 

  • Gap insurance available

Cons
  • Lower-than-average auto claims satisfaction ranking from J.D. Power

  • Rideshare insurance not available for New York drivers

Best insurer for safe drivers: Safeco

User Reviews
4.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$242/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$272/mo
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco

Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)

Sarah

November 10, 2024

Verified Review

Too Expensive

The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.

Bonnie

November 2, 2024

Verified Review

The Price of Car Insurance

I'm not happy that I'm paying over $100 per month. My car is a 2013 model.

Harris

October 31, 2024

Verified Review

Just Fine

We have only used them for a flat tire change and windshield replacement.
See all Safeco reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Safeco, owned by Liberty Mutual Insurance, offers a variety of coverage options, including liability, collision, comprehensive, new-vehicle replacement, and rental car reimbursement. Safeco also offers unique money-saving features, such as Claims Free Cash Back and a diminishing deductible.

Safeco is particularly beneficial for safe drivers, as discounts are available for accident-free drivers and drivers who take accident-prevention courses.

Pros
  • Excellent financial strength rating from A.M. Best

  • Discounts for safe driving

Cons
  • Can’t request quotes online

  • Must work directly with an agent to purchase insurance

Best insurer for drivers with an at-fault accident: Progressive

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$250/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$371/mo
How drivers feel about Progressive

Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive

Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,794)

Steven

November 19, 2024

Verified Review

I'll Stay with Them, No One Can Beat Them!

They are the cheapest I have found!

Lesley

November 16, 2024

Verified Review

Disappointed

If you want to use the auto pay feature, you have to do snapshot.

Joyce

November 14, 2024

Verified Review

Unfair Pricing

They initially offered a low price, but then added $100 after three months without any notice. I tried to contact them about it, but they either did not answer the phone or responded in a hostile manner. As a result, I had to cancel and find coverage elsewhere.
See all Progressive reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Founded in 1937, Progressive has grown to be the third-largest auto insurance company in the U.S. In addition to auto insurance, Progressive offers homeowners, business, and umbrella insurance.

Progressive may help drivers with an at-fault accident save on car insurance, as it offers three different types of accident forgiveness.

Pros
  • Three types of accident forgiveness

  • Loan/lease payoff coverage

Cons
  • Lower-than-average J.D. Power customer satisfaction ranking

  • Discounts and coverage options vary by state

Cheapest liability-only car insurance in Brooklyn

Liability-only car insurance provides coverage for third-party damages and injuries resulting from a car accident that you cause. It’s important to note that liability-only insurance doesn’t provide protection for you or your vehicle.

Liability-only insurance may make sense if you drive an older vehicle and can afford to repair or replace it on your own in the event of an accident. Liability insurance may appeal to drivers looking to save money, as it’s usually cheaper than other types of insurance coverage.

Here are the cheapest car insurance companies in Brooklyn for liability-only insurance.

Insurance Company
Average Monthly Quote
Travelers$216
Safeco$309
Liberty Mutual$546
Progressive$535
CSAA$518
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Brooklyn

Full-coverage car insurance provides protection over and above the bare-minimum coverage requirements and also includes collision and comprehensive coverages. Full-coverage car insurance is typically more expensive than liability insurance since it offers greater protection.

Though it’s pricier coverage, it helps limit out-of-pocket costs in the event of a car accident. And if you finance or lease your car, your lender or leasing company will likely require you to carry full coverage.

Here are the cheapest car insurance companies in Brooklyn for full-coverage insurance.

Insurance Company
Average Monthly Quote
Travelers$291
Safeco$408
Nationwide$482
Erie$578
USAA$601
Liberty Mutual$610
Progressive$691
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Brooklyn, New York

Drivers using Insurify have found quotes as cheap as $119/mo for liability only and $179/mo for full coverage in Brooklyn and other New York cities.

*Quotes generated for Insurify users in and around Brooklyn, New York within the last 10 days. Last updated on November 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Brooklyn, New York within the last 10 days. Last updated on November 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in New York

Drivers in the state of New York must meet certain requirements for car insurance. New York is a no-fault state, meaning your own coverage pays for your medical bills and other losses after an accident, regardless of who’s at fault for the crash.

Here are the minimum car insurance requirements for New York drivers:[2]

Coverage
Minimum Requirements
Bodily injury liability
  • $25,000 per person ($50,000 for a death) 
  • $50,000 per accident ($100,000 for the death of two or more people)
Property damage liability
  • $10,000 per accident
Personal injury protection
  • $50,000 per person
Uninsured/underinsured motorist coverage
  • $25,000 per person
  • $50,000 per accident

For more robust protection, you can purchase additional optional coverage, such as:

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    If you’re stranded on the side of the road, this coverage pays for tows, lockout assistance, jump-starts, and more.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    This covers the difference between what you owe on your auto loan (or lease) and the car’s value in the event of a total loss.

  • illustration card https://a.storyblok.com/f/162273/x/38dc81ba93/drive-1.svg

    New-car replacement coverage

    This coverage ensures you’ll receive the replacement value of your vehicle rather than the depreciated value if you total your car.

Cheapest car insurance for drivers with an incident

Driving incidents — like at-fault accidents, speeding tickets, and DUIs — are a red flag to insurers and often result in higher rates. When you have a car accident on your record, insurers may view you as a higher insurance risk and adjust your rate accordingly.

Generally, when you file a claim against your insurance policy above a specific amount because of an incident that’s primarily your fault, insurers will increase your premium by a certain percentage, according to the Insurance Information Institute.[3] The exact amount of the increase varies by company and the severity of the incident.

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Cheapest car insurance for drivers with a speeding ticket

Depending on your state’s laws and policies of your insurance company, receiving a speeding ticket may raise your insurance premium. Speeding tickets generally stay on your driving record for three to five years, though the exact timeline varies by state.

Here are the cheapest car insurance companies in Brooklyn for drivers with a speeding ticket.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only 
Travelers$329$244
Safeco$461$349
CSAA$790$585
Progressive$781$605
Liberty Mutual$689$617
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

Being involved in an at-fault accident signals to an insurer that you may pose a higher risk of future accidents. Therefore, insurers adjust your auto insurance rate to account for the added risk.

The amount of the rate hike varies by insurance company. Comparing quotes from multiple companies is key to finding cheaper car insurance after an at-fault accident.

Here are the cheapest car insurance companies for Brooklyn residents with an at-fault accident.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only 
Travelers$323$240
Safeco$453$343
CSAA$776$575
Progressive$767$594
Liberty Mutual$677$606
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How Long Does an Accident Affect Your Car Insurance Rates?

How Long Does an Accident Affect Your Car Insurance Rates?

Cheapest car insurance for drivers with a DUI

Getting a DUI will likely increase your insurance premiums. In New York, driving under the influence can lead to losing your license, fines, and even jail time.

In New York, the severity of the consequences of a DUI depends on several factors, such as your blood alcohol level when you’re pulled over and whether it’s a first or repeat offense.[4]

Here are the cheapest car insurance companies in Brooklyn for drivers with a DUI.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only 
Travelers$439$326
Safeco$616$467
CSAA$1,055$782
Progressive$1,043$808
Liberty Mutual$921$824
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Senior drivers generally have some of the cheapest car insurance rates of any age group. But your rates may start to rise around age 75. Older adults can be more likely to have health issues that affect their driving ability or be seriously injured in a car accident. 

Finding cheap car insurance for seniors can be challenging, but shopping around can help you lock down a reasonable rate. You can also consider pay-per-mile insurance or take a defensive driving course to lower your car insurance costs.

Here are the cheapest car insurance companies in Brooklyn for seniors.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only 
Travelers$221$164
Safeco$310$235
CSAA$531$394
Progressive$525$407
Liberty Mutual$464$415
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Young drivers, particularly teens, tend to pay the most for car insurance because insurers consider them high-risk drivers. Statistics show that teens are more likely to be involved in car accidents than other age groups.[5] Since teens present a higher risk, insurers charge higher premiums to offset the potential costs.

Finding cheap car insurance for teens can take time. Some ways to find cheap rates include staying on your parents’ insurance policy and asking your insurer about good student and driver’s education discounts.

Here are the cheapest car insurance companies in Brooklyn for teens.

Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only 
Travelers$439$326
Safeco$616$467
CSAA$1,055$782
Progressive$1,043$808
Liberty Mutual$921$824
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Brooklyn

Getting cheap car insurance in Brooklyn can be challenging, but you have ways to find lower rates:

  • Shop around. Comparing quotes from multiple insurers is important because average costs and coverage options can vary significantly by auto insurance company. Though it may take more work up front, finding the right policy for your needs is worth it.

  • Take advantage of discounts. One of the most common ways to save money on your insurance premium is with discounts. Ask your insurance agent which discounts you might be eligible for to help lower your coverage costs.

  • Raise your deductible. Your deductible is the amount of money you agree to pay out of pocket when you file a claim before your insurer pays. By increasing your deductible, you agree to take on more financial responsibility in the event of an accident. In exchange, insurers typically lower your rates. But don’t set your deductible so high that you can’t afford to pay it out of pocket if you need to file a claim.

  • Practice safe driving habits. Keep a clean driving record by driving safely. Always use seat belts, obey traffic laws, observe speed limits, and avoid distractions such as texting or talking on the phone while driving.

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Brooklyn car insurance quotes by credit tier

New York allows insurers to consider a driver’s credit history and credit score when calculating insurance rates. Credit scores are a three-digit number between 300 and 850, representing your financial risk to potential lenders. Your credit score comprises several factors, the most important being your payment history and credit utilization.

Here are the credit score tiers, according to FICO:

  • Exceptional: 800+

  • Very good: 740-799

  • Good: 670-739

  • Fair: 580-669

  • Poor: Less than 580

Generally, drivers with excellent or good credit scores receive the best rates, while drivers with poor credit scores pay higher premiums.

Here are the average monthly rates in Brooklyn for each of the following credit tiers:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Brooklyn?

Brooklyn is one of the most expensive areas in New York for car insurance. The average monthly premium is higher in Brooklyn than any other area in New York — including New York City as a whole and the Bronx — according to Insurify data.

The average full-coverage car insurance rate in Brooklyn is $627 a month, which is higher than the New York state average of $436 a month. It’s also significantly higher than the national average of $139 a month.

More cities in New York

Here are some of the average monthly rates in different cities in New York and how they compare to Brooklyn.

City
Average Monthly Quote
Compared to Brooklyn
Albany$257-59%
Bronx$606-3%
Buffalo$390-37%
Jamaica$558-10%
Rochester$303-51%
Schenectady$294-53%
Staten Island$523-16%
Syracuse$331-47%
Yonkers$471-24%
New York City$550-12%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Brooklyn car insurance FAQs

If you’re shopping for car insurance in Brooklyn, New York, this additional information may help as you research your coverage options.

  • How much is car insurance in Brooklyn?

    Car insurance in Brooklyn costs an average of $627 per month for full coverage and $593 per month for liability-only coverage, according to Insurify data.

  • What are the best car insurance companies in Brooklyn?

    With an A++ (Superior) financial strength rating from A.M. Best, competitive rates, and an Insurify Quality (IQ) Score of 8.4 out of 10, Travelers is the best car insurance company in Brooklyn. Other top insurers include Safeco, Nationwide, and Erie.

  • Is car insurance more expensive in Brooklyn or New York City?

    Car insurance in Brooklyn is more expensive than the New York City average. Brooklyn drivers pay $610 per month for car insurance on average, while the New York City average monthly rate is $530.

  • Is New York a no-fault state?

    Yes. New York is a no-fault state. If you’re in an accident, your insurance will cover your medical bills and other damages, regardless of who caused the accident.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. City of New York Police Department. "Motor Vehicle Collision Report Statistics Citywide."
  2. New York State Department of Financial Services. "Minimum Auto Insurance Requirements."
  3. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  4. New York State Department of Motor Vehicles. "Penalties for alcohol or drug-related violations."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
Theresa Stevens
Theresa Stevens

Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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