Best Auto Insurance Rates in Brooklyn, New York

On average your neighbors pay $171 a month.

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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.

Brooklyn, NYC Average Annual Car Insurance Rates
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
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers. They rent in Brooklyn, NY and own a 2010 Honda Accord. Our rate profiles include currently insured males and females, with a clean driving record and drive less than 10,000 annual miles. Coverage includes New York state liability minimum of $25,000/$50,000/$10,000. And 25/50/10 underinsured motorist coverage with $50,000 personal injury protection. Plus a $500 comprehensive and collision deductible.

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 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 find the cheapest rates.

Best Car Insurance Companies in Brooklyn

These are the most common car insurance companies reported by QuoteWizard users near Brooklyn 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 in Brooklyn

These are the most common car makes and models owned by Brooklyn, NY drivers that used QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Nissan Maxima GLE/GXE/SE
  3. Nissan Altima 2.5 S
  4. Acura MDX
  5. Honda CR-V EX
  6. Toyota Camry LE/XLE/SE
  7. Honda Civic EX
  8. Honda Odyssey EX
  9. Jeep Grand Cherokee Laredo
  10. Hyundai Sonata
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Legal Minimum Insurance Requirement

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.

Minimum coverage only pays for damages to other people, their car, and their property. Minimum coverage does not cover you, your injuries, or your property. If you have minimum coverage and you cause an accident, you're on the hook for your expenses.

Collision coverage pays for damages to your car after an accident. Comprehensive coverage pays for damages that don't involve another car. That includes natural disasters, falling tree branches, theft, and vandalism.

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

If you can afford it, buy comprehensive and collision coverage. You should choose a reasonable deductible. Also consider uninsured/underinsured coverage. This covers damages caused by drivers who have little or no insurance. Finally, medical payment coverage and personal injury protection covers medical costs after an accident.

New York is one of the 12 US states that have a no-fault insurance system. Accident victims can collect benefits from their own insurance companies, regardless of whether the other party is insured. Liability coverage pays for other peoples’ medical and repair bills if you cause a car accident. Personal Injury Protection coverage pays for your medical expenses after an accident, no matter who was at fault.

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

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.

Brooklyn drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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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.


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 43% of the major roads in Brooklyn are in poor condition and 30% are mediocre. These poorly maintained, pothole-filled streets costs drivers $694 annually in extra vehicle operating costs.

Traffic Congestion

TomTom's annual traffic index report says Brooklyn has the third worst traffic congestion in the United States. The average commuter spends an extra 33 minutes per hour stuck in traffic during peak commute times. And 128 hours a year for commutes of 30 minutes.

Moving Violations

Moving violations like drunk driving, accidents, and speeding will make you a high-risk driver with a bad driving record. This will make your car insurance very expensive.

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.

Red Light Cameras

Brooklyn has numerous intersections equipped with red light cameras. This website lists them, and this web page includes information about New York City's red light camera program. It tells you how to pay or fight your red light 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.

Vehicle Theft

Brooklyn reported 1,712 vehicle thefts in 2016. This is a rate of .0.65 thefts per 1,000 residents. This is well below the national average of 2.20 car thefts per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are a great way to lower your rates. Below are some of the many auto insurance discounts available to drivers in Brooklyn, NYC. Get a quote and out which discounts you may qualify for with your current or multiple insurance carriers.

  1. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  2. Are you married or getting married soon? Make sure you ask about the married discount
  3. Maintain at least a B grade point average in school to qualify for the good student discount
  4. 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
  5. Safe driver. If you have a perfect driving record you may qualify for the accident free discount
  6. Live in a safe zip code with low crime. People that live in zip codes with high crime and lots of accidents pay higher insurance rates. Even if they have a good driving history
  7. Drive less. Live close to work and get the low mileage discount
  8. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  9. Take a defensive driving course from an accredited driving safety school
  10. Shop around and compare low-cost Brooklyn auto insurance quotes and see all the discounts you qualify for

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