Compare Auto Insurance in Brooklyn
Brooklyn, NY is home to many world-famous attractions: Coney Island, the Brooklyn Bridge, classic brownstones, and Prospect Park. Even though Brooklyn is one of the five boroughs of New York City, it has a culture all its own. Brooklyn is so large, that if it were its own city, it would be the nation's fourth largest city. Despite an extensive subway system, many Brooklyn, NYC drivers still need affordable car insurance, and shouldn’t overpay for it.
Average Brooklyn Car Insurance Rates
How much is car insurance in Brooklyn, NY? Residents shouldn't be surprised to learn that insurance here is expensive. The average cost of car insurance in Brooklyn is $1,944.46 a year for men and $2,162.53 for women. The average cost of auto insurance in New York is $1,234.84 per year. The national average cost is $889.01.
Prices may vary depending multiple factors including: your driving record and the number of claims filed in your zip code.
| Coverage | Men | Women |
|---|---|---|
| Liability | $1,368.76 | $1,568.09 |
| Collision | $464.41 | $481.75 |
| Comprehensive | $111.29 | $112.69 |
| Total Cost Per Year | $1,944.46 | $2,162.53 |
| Price Per Month | $162.04 | $180.21 |
| These average rates are based on our sample quote data. 1 | ||
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.
QuoteWizard helps consumers compare insurance quotes from both national companies and local agents. Comparing quotes can help you find cheap car insurance rates near Brooklyn, New York. You could save up to 40% on your premium.
Last year, 24,796 people used QuoteWizard to compare auto insurance quotes in Brooklyn, NY from multiple companies to get the cheapest rates.
Best Car Insurance Companies in Brooklyn, NY
These are the most common car insurance companies reported by QuoteWizard users near Brooklyn, New York last year.
Other popular Brooklyn, NY car insurance companies: Country Financial, 21st Century, MetLife, USAA, American Family, and New York Farm Bureau.
Top 10 Vehicles
These are the most common car makes and models owned by Brooklyn, NY drivers that used QuoteWizard last year.
- Honda Accord EX/LX
- Nissan Maxima GLE/GXE/SE
- Nissan Altima 2.5 S
- Acura MDX
- Honda CR-V EX
- Toyota Camry LE/XLE/SE
- Honda Civic EX
- Honda Odyssey EX
- Jeep Grand Cherokee Laredo
- Hyundai Sonata
Minimum Car Insurance Requirements in Brooklyn, NY
Brooklyn, New York has a minimum coverage requirement known as the 25/50/10 rule. Each driver's policy must include:
- Individual Bodily Injury Liability (BIL): $25,000.
The maximum amount your insurer pays for a person injured in a car accident. - Total Bodily Injury Liability: $50,000.
The total your insurance company pays for every person injured in a car accident. - Property Damage Liability (PDL): $10,000.
The most your insurance carrier pays for property damage caused by a car accident.
Recommended Coverage Levels
It's not a great idea to buy only legal minimum coverage. While it costs less, minimum coverage becomes more expensive if you file a claim. Why? Minimum coverage does not include comprehensive or collision coverage. Plus, it's easy to exceed minimum coverage levels after an accident.
With that in mind, we recommend that Brooklyn drivers buy the following coverage:
- Individual Body Injury Liability: $100,000
- Total Bodily Injury Liability: $300,000
- Property Damage Liability: $100,000
| Zip Code | Monthly Rates | Annual Rates |
|---|---|---|
| 11209 - Bay Ridge | $214 | $2,570 |
| 11201 - Brooklyn Heights / DUMBO | $216 | $2,586 |
| 11231 - Red Hook / Carroll Gardens | $216 | $2,586 |
| 11220 - Sunset Park | $216 | $2,596 |
| 11228 -Dyker Heights | $218 | $2,620 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. 2 | ||
| Zip Code | Monthly Rates | Annual Rates |
|---|---|---|
| 11212 - Brownsville | $293 | $3,516 |
| 11207 - East New York | $289 | $3,466 |
| 11233 -Crown Heights | $289 | $3,466 |
| 11213 - Crown Heights | $287 | $3,446 |
| 11225 - Lefferts Garden | $287 | $3,406 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. 2 | ||
Brooklyn Drivers
A recent report by Allstate Insurance says, Brooklyn drivers are much worse than average. Brooklyn ranked 116th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 8.3 years.
Driving Conditions
The weather, driving, and road conditions strongly influence insurance rates. Areas with bad driving conditions often report more accidents, leading to rising insurance rates.
Weather
You might be surprised to learn that a city as far north as Brooklyn has a humid subtropical climate. Despite cold winters and the occasional, and sometimes powerful, winter storms and nor'easters, the summers are hot and humid. It rains throughout the year, with rainfall averaging 49.9 inches. Between the rain, snow, and ice local roads can be slick year-round.
Road Conditions
A recent study by TRIP shows that 46 percent of the major roads in Brooklyn are in poor condition. Another 23 percent of the roads are mediocre. These poorly maintained, pothole-filled streets costs drivers $719 annually in extra vehicle operating costs.
Traffic Congestion
TomTom's annual traffic index report says Brooklyn has the 49th worst traffic congestion in the world The average commuter spends an extra 34 minutes per day stuck in traffic during peak commute times. And 129 hours a year for commutes of 30 minutes.
Moving Violations
Moving violations like drunk driving, accidents, and speeding can make your insurance company change your status to "non-standard." They can even force you to purchase purchase car insurance policy designed for high-risk drivers. This will make your premium very expensive. Driver's with lots of points on their driver's licence almost always end up needing high-risk policies.
Traffic Tickets
The State of New York DMV website allows you to pay non-criminal traffic citations. It also tells drivers how to request a hearing to contest a ticket.
SR-22 DWI Insurance
A DWI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from local agents and top companies that specialize in Brooklyn DWI insurance.
Car Accident Statistics
Brooklyn officials reported 23,443 car accidents in 2017 resulting in 15,537 injuries and 56 fatalities.
All traffic deaths are a tragic loss, and considering the estimated population of 2,648,771, Brooklyn is a safe city in terms of traffic fatalities per capita.
Vehicle Theft
Brooklyn reported 1,627 vehicle thefts in 2017. This is a rate of .0.61 thefts per 1,000 residents. This is well below the national average of 2.37 car thefts per 1,000 people.
Car Insurance Discounts
Are you looking for more affordable car insurance? Discounts are a great way to lower your rates. Below are some of the many discounts available to drivers in Brooklyn, NYC.
- Are you one of the 13.5 percent of Brooklyn residents over the age of 65? If so, you could qualify for either the senior discount or the 55 and retired discount
- If you're one of the 38.6 percent of Brooklyn households with married couple living together, make sure you ask about the married discount
- Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single carrier can save you up to 25 percent of your total auto insurance bill
- Even though only 6.1 percent of the drivers in New York are uninsured, it's still a good idea to take a defensive driving course. You'll be ready to handle dangerous situations and many insurers offer a discount to drivers that complete these programs
- Shop around. Comparing Brooklyn auto insurance rates will help you find all the discounts you qualify for
Rate Methodology
1 We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.
2 Auto insurance rate data was provided by Quadrant Information Services. Rates are based on a driver profile of a 35-year-old, owning a 2015 Toyota Camry, drives less than 10,000 annual miles, good credit, clean record, and state minimum liability of 25/50/10. Rates are an average of the top 10 insurance companies in the state of New York.
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