Cheapest Car Insurance Quotes in Brooklyn, NY (2023)

Did you know where you live is one key factor that determines how much you’ll pay for car insurance each month? On average, Brooklyn drivers pay $527 per month for auto insurance, roughly $42 per month less than New York’s state average of $569 per month. Brooklyn drivers face some of the highest average premiums in the country, paying around $6,324 per year for auto coverage. Brooklyn’s population density and congested roads affect the cost of car insurance.

Connecting Lower Manhattan to the Brooklyn Heights neighborhood, the Brooklyn Bridge marks one entrance into all that Brooklyn has to offer. Each day, around 116,000 vehicles, 30,000 pedestrians, and 3,000 cyclists pass through the bridge’s stone arches.^[1]

How much does car insurance cost in Brooklyn?

The cost of car insurance in Brooklyn varies widely because individual factors and company policies influence costs. You should compare quotes online with multiple companies to get the best rate possible for your needs. 

Insurify data scientists analyzed the latest insurance rates in Brooklyn to help identify the lowest rates. Drivers can expect to pay between $127 per month for the cheapest liability-only coverage and $853 for the most expensive full-coverage policy.

• Cheapest liability-only coverage in Brooklyn: Kemper 

• Cheapest full-coverage insurance in Brooklyn: Kemper

• Cheapest insurance for new/young drivers in Brooklyn: Kemper

See More: Cheap Car Insurance in New York

Average cost of auto insurance in Brooklyn

The average driver in Brooklyn will pay around $527 per month for auto insurance. Drivers with liability-only coverage spend an average of $502 per month, while drivers with full coverage can expect to pay an average of $551 per month.

Cheapest car insurance in Brooklyn: Kemper

At $218 per month, Kemper offers the cheapest full-coverage insurance in Brooklyn. Kemper also provides the lowest liability insurance rate, at $127 per month. When shopping for car insurance, you should know that numerous factors affect the cost of your premium. Common elements considered include the type of policy you choose (full coverage, collision, liability, etc.), where you live, your driving record, your age, and your credit score.

How much car insurance do you need in Brooklyn?

To legally drive in Brooklyn, you’ll need to follow New York’s state minimum requirements for car insurance. New York requires all vehicle owners (whether they use the car or not) to have a minimum level of coverage.

New York City is a no-fault state, which means that both parties must submit claims to their insurance companies after an accident, regardless of fault. New York requires a more robust amount of minimum coverage than many other states, which increases the overall cost of premiums in the state but provides drivers with more insurance protection.

The minimum insurance requirements for drivers in Brooklyn, New York, include the following:

• $25,000 per person and $50,000 per accident for bodily injury: This insurance covers medical payments and other injury-related costs for anyone that’s not in the policyholder’s car in the event of an accident.

• $10,000 per accident for property damage: If you’re found at fault, this coverage can pay for damages to the other person’s vehicle or personal property. Property damage coverage also covers legal fees if you’re sued following an accident.

• $50,000 per accident for personal injury protection (PIP): A PIP policy covers medical expenses for the policyholder. Your plan may also allow you to get compensation for lost work or funeral costs.

• $25,000 per person and $50,000 per accident for uninsured/underinsured motorist bodily injury: Not all drivers will have enough insurance to cover expenses in an accident, and some choose to drive without any coverage. This insurance provides additional coverage if you’re involved in an accident with an uninsured or underinsured driver.

You should be prepared to show your driver’s license and proof of insurance when registering your vehicle, if you’re involved in an accident, or if an officer stops you for a traffic violation. 

New York DMV information

The New York DMV is a helpful resource for residents and drivers. The DMV offers services like driver’s license renewal, registration, ticket payment, and access to driving records. You’ll need to visit a branch in person for some services, but you can complete many tasks using the online portal.^[2] The below services can all be completed online:

• Address changes

• Registration renewal

• License renewal

• Order replacement of lost ID or driver’s license

• Schedule road test

• Pay fees and tickets

• Order license plates

• Find an accident report

• Vehicle title replacement

Tips for getting cheap car insurance in Brooklyn

Saving money on car insurance takes some time, but you can lower your monthly premium in a few different ways. Common tactics for reducing your insurance costs include bundling your home and auto policies, looking for discounts through membership organizations, and increasing your deductible. Comparing rates from multiple insurers is one of the best ways to save money on insurance. Reviewing various coverage options from different companies will make finding the best coverage for your budget more manageable. 

See More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Brooklyn

Multiple factors influence the cost of insurance, including your age. Insurers consider age and driving history when determining insurance rates. Young drivers with less experience tend to receive higher rates than drivers over the age of 25. Auto rates typically decrease as drivers age but may increase slightly for drivers in their 70s and 80s.

Cheapest car insurance for young drivers in Brooklyn

Young drivers in Brooklyn will pay a higher rate than middle-aged and senior drivers due to their inexperience. Young drivers can save money on their auto insurance policy by driving in vehicles with extra safety features, looking for discounts for good grades, and practicing safe driving habits. The table below includes the average rates for full-coverage policies from auto insurers in Brooklyn.

See More: Cheapest Car Insurance for Drivers Under 21

Cheapest car insurance for middle-aged drivers in Brooklyn

Middle-aged drivers see much lower rates than drivers under 30. You can lower your rates even more by bundling your home and auto policies and looking for discounts through your employer or other local organization. Find average rates for full-coverage insurance in Brooklyn below.

Cheapest car insurance for senior drivers in Brooklyn

Older drivers could see lower rates than younger drivers, but slightly higher rates than middle-aged drivers. You can help reduce the cost of your policy by taking a defensive driving course and looking for discounts through AARP or other local programs with senior benefits. Take a look at average rates for full-coverage insurance from different insurers in the area.

How credit scores affect cheap car insurance in Brooklyn

Some states, including New York, allow insurance companies to use your credit score to help determine whether they’ll provide you coverage and what your rate will be. Insurance companies can create “insurance scores.” Though similar to credit scores, they aren’t quite the same. Instead of focusing on your ability to repay debt, an insurance score shows how likely you are to file a claim. Insurance companies can use information from your credit report — including your score, foreclosures, bankruptcies, and late payments — to determine your risk as a customer.^[3]

Customers with good and excellent credit scores will likely qualify for lower insurance rates than those with poor credit history.

Credit scores, three-digit numbers typically between 300 and 850, show lenders how risky you are as a borrower. Lenders can choose from multiple scoring companies for your credit score. While some deviations between scoring models exist, most are within a similar range. According to FICO, one of the most popular credit-scoring tools, credit scores fall into the following ranges:

• Poor: <580

• Fair: 580–669

• Good: 670–739

• Very Good: 740–799

• Exceptional: 800+

The following table outlines the average cost of full-coverage policies in Brooklyn based on the customer’s credit score.

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Brooklyn

Your driving record directly affects the cost of your insurance premiums. Drivers with a history of at-fault accidents, speeding tickets, and charges for driving under the influence (DUI) earn higher rates than those with clean records. Insurers view past incidents and claims filed as indicators of risk. Some companies may choose not to offer coverage to higher-risk drivers. In addition to accidents and risky behavior, some habits, like the time you spend commuting, could affect your rates. Drivers who spend less time in their cars often pay a lower premium.

Cheapest car insurance with an accident in Brooklyn: Kemper

As you’ll notice in the table below, drivers in Brooklyn face increased insurance premiums following an accident. Take a look at how different auto insurers in Brooklyn increase rates for policyholders.

Cheapest car insurance with a DUI in Brooklyn: Travelers

Auto insurance policyholders with a DUI typically receive the highest average rates in Brooklyn, due to the serious nature of driving under the influence. Compare average rates from different auto insurers below.

Cheapest car insurance with a speeding ticket in Brooklyn: Kemper

Though speeding tickets tend to be less serious than accidents and DUIs, a speeding ticket usually leads to increased rates for drivers. See how auto insurers in Brooklyn compare below.

Car insurance in other New York boroughs and cities

Insurance rates can vary greatly from city to city, even within the same state. Here’s a look at car insurance rates in some other New York boroughs and cities:

• Cheap Auto Insurance Quotes in Bronx, NY

• Cheap Auto Insurance Quotes in Buffalo, NY

• Cheap Auto Insurance Quotes in New York City, NY

• Cheap Auto Insurance Quotes in Staten Island, NY

• Cheap Auto Insurance Quotes in Yonkers, NY

How to save on car insurance in Brooklyn

Car insurance can be a costly monthly bill — especially if you live in Brooklyn. But you could save a lot of money on your premiums in several ways. Here are a few tips you should consider to lower your bill:

• Compare rates from multiple insurers. You can use numerous tools to find personalized quotes from various insurance companies using your personal information. Getting quotes from several companies with different coverage options will help you find the insurer that best fits your needs.

• Take a defensive driving course. Completing a driving safety course often results in cheaper premiums. For example, you can save 10% off your auto insurance bill by taking a defensive driving course with the New York Safety Council. Once you take the course, submit the certificate of completion to your insurance company, and they’ll hopefully apply the discount.

• Bundle policies. Most insurers offer bundling discounts. Your auto insurance company likely offers a renters or homeowners insurance policy that you can bundle with your auto insurance policy. You’ll pay both bills at once, which simplifies your monthly budget.

• Look into loyalty and safe driving discounts. Ask your insurance company if it offers safe driving discounts or loyalty discounts when you renew your policy. This is a quick way to potentially save a little money on your next coverage period. If not, you can shop around for potential savings elsewhere.

• Ask about payment discounts. Consider how you pay your insurance bill. Many insurers offer a discount if you pay for six months of coverage up front. You may also qualify for a discount by setting up automatic payments.

• Look into good student discounts. If you have a teenage driver, check with your insurance company to see if it offers discounts for students on the honor roll.

• Research affinity-based discounts. Check with your employer or union organization to see if any companies offer discounts to your employer or for your profession. If you’re a veteran, a teacher, an AARP member, or you have AAA, you may qualify for other discounts.

Brooklyn driving conditions

Prepare to face some challenges if you want to drive in Brooklyn, as it’s home to more than 2.7 million residents. Even though New York residents own 30% fewer vehicles on average than the rest of the country, more than 1.9 million vehicles drive in the metropolitan area.^[4]

Located just across the river from Manhattan and a short drive away from the John F. Kennedy International Airport, Brooklyn is a place where residents can expect heavy traffic year-round. New York regularly gets a lot of snow in the winter and occasionally sees major storms in the summer, which also affects drivability.

Car accident statistics

The New York City government is working to create a safer driving experience for families and residents of the city through Vision Zero, a city-sponsored initiative to reduce preventable crashes through education, better engineering, and traffic law enforcement. The city reports that an estimated 3,000 New Yorkers are injured or killed in serious traffic accidents each year, and the No. 1 injury-related death for children under the age of 14 in the city is being hit by a vehicle.

Find local Brooklyn agents

Brooklyn car insurance FAQs

Brooklyn drivers face some of the most expensive car insurance rates in the country. Find answers to commonly asked questions about Brooklyn car insurance below.