Best Auto Insurance Rates in Brookhaven, New York

On average your neighbors pay $103 a month.

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Brookhaven, New York, is a small town that sits on the coast of the Long Island Sound and the Atlantic Ocean. It’s filled with historic charm. It also offers residents and visitors attractions like the Suffolk Sports Hall of Fame, the Bellport-Brookhaven Historical Society, and the Swan River Schoolhouse Museum.

Much like how Brookhaven is in the business of preserving history, QuoteWizard is in the business of preserving—or at least providing—affordable car insurance rates.

Average Brookhaven Car Insurance Rates

How much is car insurance in Brookhaven, NY? Residents shouldn't be surprised to hear car insurance costs more in Brookhaven than it does in many other parts of the US. Average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.

Prices vary depending on your driving record and zip code, so you may pay less.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
Total Cost Per Year $1,234.84
Price Per Month $102.90
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Brookhaven, New York and save up to 40% on your premium.

Last year, many local residents used QuoteWizard to compare car insurance quotes in Brookhaven, NY from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Brookhaven, NY

This is our list of the most common car insurance companies reported by QuoteWizard users living in Brookhaven, New York last year.

Top 10 Vehicles

These are the most common car makes and models owned by Brookhaven, NY drivers requesting quotes through QuoteWizard last year.

  1. Cadillac Escalade ESV
  2. Ford F150
  3. Ford F20 Super Duty
  4. Toyota Tundra
  5. Nissan Altima
  6. Dodge Avenger SE
  7. Toyota Corolla LE/L/PR/S/ SPL
  8. Subaru Impreza WRX STI
  9. BMW M Roadster
  10. Ford Mustang
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Minimum Car Insurance Requirements in Brookhaven, NY

Brookhaven, New York has a minimum coverage requirement known as the 25/50/10 rule, which means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your provider will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

The policy must be in the name of the vehicle's registered owner and the coverage must remain in effect as long as the registration is valid even if you don't use the vehicle.

Driving Conditions

Driving conditions like weather and traffic congestion can influence Brookhaven insurance rates.

Brookhaven drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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The climate in Brookhaven is humid and warm. Summers here are hot, and residents enjoy as many as 208 days with at least partial sunshine annually. Rainfall is evenly distributed throughout the year, with an average of 107 days seeing some amount of precipitation. Being in the Northeast, snow is not uncommon. In fact, Brookhaven receives around 28.5 inches in a typical year.

Road Conditions

According to a recent study by TRIP, 38% of the major roads in and around the state of New York are in poor condition. Another 42% are in mediocre or fair condition. These poorly maintained streets cost drivers throughout the state $6.3 billion annually.

Brookhaven drivers have to deal with similarly imperfect conditions. In particular, they have to deal with potholes—that are caused by the area’s freezing winters and hot summers. To report a pothole in Brookhaven, call 1-800-Pot-Hole.

Moving Violations

Some of the moving violations that can give you a bad driving record and raise your insurance rates: speeding tickets, running red lights, accidents, and drunk driving.

Traffic Tickets

The Suffolk County Traffic and Parking Violation Agency website allows you to pay non-criminal traffic citations, tells drivers how to request a hearing to contest a ticket, and provides helpful traffic court information.

Drunk Driving Accidents and Fatalities

Brookhaven reported 155 car crashes involving alcohol in 2014. These accidents caused 75 injuries and 29 fatalities.

SR-22 DWI Insurance

A DWI conviction will require you to obtain an SR-22 form. To get the lowest rate for the most expensive type of coverage, get a quote and compare rates from top companies that specialize in Brookhaven DWI insurance.

Car Accident Statistics

Brookhaven officials noted 8,559 car crashes in 2016 resulting in 4,737 injuries.

Traffic Fatalities

Brookhaven reportd 39 fatal auto crashes in 2016 resulting in 53 deaths. This works out to a fatality rate of 10.89 per 100,000 residents. All traffic deaths are a tragic loss, and considering the estimated population of 486,599 Brookhaven is a safe city in terms of traffic fatalities per capita..

Vehicle Theft

Suffolk County residents have reported 1,230 motor vehicle thefts in 2014.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways for drivers to lower their rates. Below are some of the many auto insurance discounts available to drivers in Brookhaven, NY. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. Live in a safe neighborhood with low crime. People that live in zip codes with high crime and poor driving conditions file more insurance claims
  2. Remove full comprehensive coverage from your policy
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Enroll in a defensive driving course at an accredited driving school
  5. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  6. Maintain at least a B grade point average in school to qualify for the good student discount

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