Key Takeaways
- NY Central Mutual has the cheapest average rate for both minimum- and full-coverage car insurance in Brooklyn.
- Brooklyn drivers pay an average of $147 a month for full-coverage car insurance. This is 8% higher than the state average of $136 a month.
In this article
The cheapest car insurance companies in Brooklyn
- Overall cheapest provider: NY Central Mutual
- Cheapest for drivers with a DWI: Progressive
Most Brooklyn drivers find the cheapest car insurance rates with NY Central Mutual. It charges $35 a month for minimum coverage and $71 a month for full coverage, on average. These rates are 58% and 52% lower than the city's average rates for minimum- and full-coverage car insurance, respectively.
Progressive has the cheapest rate for Brooklyn drivers with a driving while intoxicated (DWI), charging $77 a month. Compare this to the city's average rate for full-coverage car insurance after a first-offense DWI charge, which is $239 a month.
Brooklyn car insurance state minimums
New York state law requires drivers to carry at least the following amounts of car insurance:
| Coverage type | Coverage minimums |
|---|---|
| Bodily injury liability per person | $25,000 for bodily injury/$50,000 for death |
| Bodily injury liability per accident | $50,000 for bodily injury/$100,000 for death |
| Property damage liability | $10,000 per accident |
Cheapest minimum-coverage auto insurance rates in Brooklyn: NY Central Mutual
NY Central Mutual has the cheapest rates in Brooklyn for minimum-coverage car insurance, with an average rate of $35 a month. Progressive is the second-cheapest provider at $43 a month.
| Company | Average monthly rate |
|---|---|
| NY Central Mutual | $35 |
| Progressive | $43 |
| USAA | $59 |
| GEICO | $90 |
| Travelers | $114 |
| State Farm | $122 |
| Allstate | $127 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
See how much you could save with a new car insurance policy
Cheapest full-coverage auto insurance rates in Brooklyn: NY Central Mutual
NY Central Mutual has the cheapest rates for full-coverage car insurance in Brooklyn, charging an average of $71 a month.
| Company | Average monthly rate |
|---|---|
| NY Central Mutual | $71 |
| Progressive | $73 |
| USAA | $107 |
| GEICO | $165 |
| State Farm | $182 |
| Travelers | $212 |
| Allstate | $219 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Full-coverage car insurance combines liability, comprehensive and collision coverages. You may be able to add medical payments and other types of coverage as well.
Cheapest car insurance for drivers with a prior incident
NY Central Mutual has the cheapest full-coverage rates for Brooklyn drivers with a speeding ticket or accident on their insurance records. Progressive has the best rates for drivers with a DUI.
Cheapest for drivers with a speeding ticket: NY Central Mutual
If you have a speeding ticket on your record in Brooklyn, NY Central Mutual has the cheapest average rate of $71 a month. Progressive is next at $75 a month.
| Company | Average monthly rate |
|---|---|
| NY Central Mutual | $71 |
| Progressive | $75 |
| USAA | $117 |
| State Farm | $201 |
| GEICO | $212 |
| Travelers | $244 |
| Allstate | $271 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
In New York, a speeding ticket stays on your insurance record for four years. During this window, you'll probably see your rates go up. Your rates will go up even more if you get another ticket in that time.
Cheapest for drivers with an at-fault accident: NY Central Mutual
Drivers in Brooklyn with an accident on their records find the cheapest car insurance with NY Central Mutual, at an average rate of $71 a month. This is for full coverage; if you buy minimum coverage, your costs should be lower.
| Company | Average monthly rate |
|---|---|
| NY Central Mutual | $71 |
| Progressive | $73 |
| USAA | $117 |
| State Farm | $201 |
| GEICO | $212 |
| Allstate | $219 |
| Travelers | $264 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for Brooklyn drivers with a DWI: Progressive
Progressive has the cheapest auto insurance rates for Brooklyn drivers with a first-offense DWI, charging an average of $77 a month. NY Central Mutual carries the next-lowest rate at $108 a month.
| Company | Average monthly rate |
|---|---|
| Progressive | $77 |
| NY Central Mutual | $108 |
| USAA | $154 |
| State Farm | $201 |
| Travelers | $268 |
| Allstate | $310 |
| GEICO | $553 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DWI on his driving record. | |
While a DWI may usually only stay on your insurance record for three to five years, insurers in New York may consider your record for up to 10 years in New York. If they do, you may expect higher premiums.
Other penalties for a first-offense DWI in New York include:
- $500 to $1,000 in fines
- Maximum one-year jail term
- Six-month license revocation
Cheapest car insurance for senior drivers: NY Central Mutual
For senior drivers in Brooklyn looking for auto insurance, NY Central Mutual has the cheapest average rate of $67 a month. Progressive is the next-lowest at $70 a month.
| Company | Average monthly rate |
|---|---|
| NY Central Mutual | $67 |
| Progressive | $70 |
| USAA | $103 |
| State Farm | $162 |
| GEICO | $175 |
| Travelers | $220 |
| Allstate | $243 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Seniors pay more for car insurance than many younger demographics, mostly due to loss of reflex time as we age. Teenagers still pay more in premiums, as seen below.
Get cheap car insurance in Brooklyn
Cheapest car insurance for young drivers: NY Central Mutual
Teens in Brooklyn get the most affordable rates for car insurance from NY Central Mutual, at $148 a month. Progressive is the second-cheapest auto insurance provider, charging an average of $240 a month.
| Company | Average monthly rate |
|---|---|
| NY Central Mutual | $148 |
| Progressive | $240 |
| USAA | $433 |
| Allstate | $603 |
| State Farm | $609 |
| Travelers | $614 |
| GEICO | $639 |
| Rates are for an 18-year-old male with a clean driving record. | |
Due to less experience driving, teens pay high car insurance rates compared to older drivers. If you have a teen driver living in your home, getting them on an adult's policy will probably save money overall. Your rates will go up, but it should still be cheaper than if you and the teen driver bought separate policies.
Cheapest car insurance for married drivers: Progressive
Married drivers in Brooklyn pay the lowest rates for car insurance with Progressive, which charges an average rate of $59 a month for full coverage. NY Central Mutual comes in second at $69 a month.
| Company | Average monthly rate |
|---|---|
| Progressive | $59 |
| NY Central Mutual | $69 |
| USAA | $96 |
| GEICO | $168 |
| State Farm | $182 |
| Travelers | $212 |
| Allstate | $234 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Car insurance providers often see married drivers as being safer drivers, and therefore a lower risk. As such, married drivers tend to see lower rates.
Car insurance laws in Brooklyn
No-fault requirements
New York is what's known as a no-fault state. This means that your own PIP coverage takes care of your medical bills and related costs after a car accident, regardless of who was at fault. If you caused the accident, you are financially responsible for the damages. In this case, your liability insurance covers the expenses caused. You're also responsible for any medical costs that exceed the PIP limits of other drivers involved.
CARCO inspection
New York law requires cars purchased within the state to complete an inspection that documents the physical existence of the vehicle, as well as its current condition, security systems and other factors. You must have this inspection done within two weeks of buying a vehicle. This inspection normally only takes a few minutes, a brief questionnaire and some photos.;
The report that follows is then sent to your car insurance provider. Failure to complete the inspection can result in suspension or denial of auto insurance coverage. If your car has less than 1,000 miles on the odometer, you are not required to get the inspection.
Diminished value claims
In New York, you have three years to file a claim for a car accident with the at-fault party's insurance provider. Diminished value claims law in New York helps cover the recouping of expenses from a car that has depreciated in value after an accident, even if it is repaired to whole status.;
New York law limits property damage recovery through diminished value claims to $10,000. It offers no coverage for accidents involving an uninsured or underinsured motorist. Most car insurance policies exclude diminished value, but it can be pursued in a third-party claim.
Frequently asked questions
The average cost of full-coverage auto insurance in Brooklyn is $147 a month. This is 8% higher than the state's average rate of $136 a month.
NY Central Mutual has the overall cheapest car insurance rates for most demographics in Brooklyn. Progressive has the cheapest rates for drivers with a first-offense DWI and married drivers.
Drivers in Brooklyn are required by law to have 25/50/10 car insurance coverage. This means their policies need at least the following limits:
- Bodily injury liability per person: $25,000 for bodily injury/$50,000 for death
- Bodily injury liability per accident: $50,000 for bodily injury/$100,000 for death
- Property damage liability: $10,000 per accident
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Brooklyn, NY.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.;
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
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