120+ more)
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The average cost of state-minimum car insurance coverage in Brooklyn is $254 per month, while the average full-coverage car insurance rate is $378 per month.
Brooklyn’s rates are lower than in the Bronx but higher than those in smaller cities like Syracuse, which has lower rates of accidents and theft. You can compare car insurance quotes to find the best New York car insurance.
High rates in the New York City metropolitan area raise the overall average cost of car insurance in New York State. Kings County, which includes Brooklyn, has a population density of nearly 39,500 people per square mile.[1] Brooklyn’s high population density contributes to traffic congestion and more car accidents, which lead to higher car insurance rates.
The cheapest car insurance company in Brooklyn is Erie, with an average monthly rate of $104 for liability insurance.
Erie is the cheapest company for full coverage, with an average monthly rate of $191.
Brooklyn’s rates are much higher than New York state’s average rates of $153 per month for liability coverage and $252 per month for full coverage.
While New York’s minimum car insurance requirements only include bodily injury liability insurance and property damage liability coverage, it’s a good idea to at least consider full coverage. Brooklyn is one of the densest places in the country, with significant traffic congestion and thousands of pedestrians and cyclists, making collisions and comprehensive damage much more likely.
Check out the table below for the cheapest liability and full-coverage car insurance rates in Brooklyn.
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.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Erie | $104 | $191 |
| USAA | $109 | $200 |
| Travelers | $127 | $233 |
| State Farm | $148 | $272 |
| Allstate | $157 | $287 |
| Nationwide | $159 | $290 |
| GEICO | $163 | $301 |
Liability quotes start at $104/mo.
The Bronx is the most expensive area in New York to get car insurance in, with an average monthly rate of $287 for liability insurance and $415 for a full-coverage car insurance policy. Brooklyn’s car insurance rates are the next most expensive, and much higher than the state average of $153 per month for liability coverage and $252 per month for full coverage.
Brooklyn’s density makes it much more risky for vehicle owners, as drivers have many more opportunities for accidents. The borough has the highest rate of collisions of any borough in New York City, even more so than Manhattan.[2] This increased likelihood of accidents leads insurers to increase rates.
Take a look at the table below to see how car insurance rates vary by city in New York.
City | Average Monthly Quote |
|---|---|
| Binghamton | $111 |
| Bronx | $351 |
| Brooklyn | $316 |
| Buffalo | $188 |
| Long Island | $282 |
| New York City | $262 |
| Rochester | $122 |
| Schenectady | $113 |
| Staten Island | $221 |
| Syracuse | $149 |
| Utica | $145 |
| Yonkers | $266 |
If the subway isn’t an option and you need to drive in Brooklyn, make sure to exercise caution. Brooklyn has narrow streets and a population of nearly 3 million, many of whom walk or take public transportation. Drivers have to be aware of other drivers, cyclists, and pedestrians on every block, so driving slowly is a good idea. You’ll likely experience traffic daily, so make sure to leave enough time to get to your destination.
Parking can be very difficult in Brooklyn, as many people compete for limited spots. You’ll also want to keep your local street-sweeping schedule in mind, as you’ll need to move your car to the alternate side of the street on those days or face fines.[3] Always drive carefully in Brooklyn, stay off your phone, and keep an eye out for pedestrians.
Brooklynites’ driving records have a major effect on their car insurance rates. About 3.9% of Brooklyn drivers have a ticket, while another 3.5% have an accident on their record, according to Insurify data. New York is a no-fault state for car insurance, so your insurance will pay for your own damages, regardless of fault, following an accident.[4] Your insurance will cover your vehicle even if someone borrowing it has an accident.
Another 0.7% of Brooklyn drivers have driving while intoxicated (DWI) convictions, which results in an immediate driver’s license suspension in New York. Depending on whether it’s your first or second DWI offense, the state will revoke your license for between six months and one year, and you’ll pay a fine of $500 to $5,000.[5]
Insurers are already charging very high rates in New York, so if you rack up too many infractions on your driving record, your car insurance rates can quickly become unaffordable. But if you keep a clean driving record, you’ll hopefully see cheaper car insurance rates.
Below, you can see how Brooklyn car insurance rates vary by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $316 |
| Speeding ticket | $384 |
| At-fault accident | $452 |
| DWI | $543 |
Check quotes from 120+ top insurance companies
Teen car insurance in Brooklyn is incredibly expensive, with an average rate of $366 per month for liability coverage and $544 per month for a full-coverage policy.
Car accidents are the top cause of unintentional death and hospitalization for 16- and 17-year-old teens in New York State. These risks are especially high in the summer months when teens are out of school.[6] When you combine this increased risk with Brooklyn’s already increased risks of accidents and vandalism, you end up with expensive rates for new drivers.
Senior drivers in Brooklyn also pay high rates due to the city’s increased risk factors, especially as age-related factors like vision loss and slowed reaction times set in. Fortunately, Brooklyn has a robust subway system and extensive bus routes, allowing residents to live in the city without a vehicle.
Check out the table below to see the cheapest rates for Brooklyn drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $332 |
| 20s | $269 |
| 30s | $232 |
| 40s | $216 |
| 50s | $195 |
| 60s | $147 |
| 70+ | $206 |
Finding the best car insurance in NYC can be challenging. Check out the answers below to some of the most commonly asked questions about auto insurance in Brooklyn.
Car insurance in Brooklyn costs an average of $254 per month for minimum coverage and $378 per month for full coverage. Overall, Brooklyn drivers pay $316 per month for car insurance.
The cheapest car insurance companies in Brooklyn are Erie, USAA, and Travelers. But the cheapest car insurance company for you may be different. Always compare car insurance rates before buying a policy.
In February 2026, 2,100 car accidents occurred in Brooklyn, with three people killed and close to 1,000 people injured, according to data from the New York City Police Department.
Car insurance is expensive in the New York City area because of its high population density, which leads to a high number of accidents and vehicle damage. New York also has a high rate of no-fault insurance fraud. These factors are much lower outside of the city, so if you live in other parts of the state, you’ll likely pay lower rates.
New York Central Mutual (NYCM) may be cheaper than GEICO for some drivers, as it’s a local insurer specializing in providing affordable insurance to New Yorkers. Compare quotes from both NYCM and GEICO before buying an auto policy to see which insurer is right for you.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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.
)
)
)