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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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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.
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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.
Updated November 20, 2024
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Table of contents
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.
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.
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 |
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Nancy
November 18, 2024
Checking for Better Rate
Jim
November 12, 2024
Typical
Kenneth
November 5, 2024
Excellent
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.
Numerous coverage options and discounts
Gap insurance available
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 |
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
Sarah
November 10, 2024
Too Expensive
Bonnie
November 2, 2024
The Price of Car Insurance
Harris
October 31, 2024
Just Fine
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.
Excellent financial strength rating from A.M. Best
Discounts for safe driving
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 |
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
Steven
November 19, 2024
I'll Stay with Them, No One Can Beat Them!
Lesley
November 16, 2024
Disappointed
Joyce
November 14, 2024
Unfair Pricing
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.
Three types of accident forgiveness
Loan/lease payoff coverage
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 |
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 |
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
*Quotes generated for Insurify users in and around Brooklyn, New York within the last 10 days. Last updated on November 20, 2024
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 |
|
Property damage liability |
|
Personal injury protection |
|
Uninsured/underinsured motorist coverage |
|
For more robust protection, you can purchase additional optional coverage, such as:
Roadside assistance
If you’re stranded on the side of the road, this coverage pays for tows, lockout assistance, jump-starts, and more.
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.
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.
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 |
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 |
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 |
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 |
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 |
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.
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
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% |
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
- 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.
Related articles
More cities in New York
Sources
- City of New York Police Department. "Motor Vehicle Collision Report Statistics Citywide."
- New York State Department of Financial Services. "Minimum Auto Insurance Requirements."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- New York State Department of Motor Vehicles. "Penalties for alcohol or drug-related violations."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
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.
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
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.