On average your neighbors pay $171 a month.See Your Rates
Brooklyn, NY is home to many world-famous attractions: Coney Island, the Brooklyn Bridge, classic brownstones, Prospect Park-- the list goes on. Even though Brooklyn is one of the five boroughs of New York City, it has a culture all its own. In fact, Brooklyn is so large, that if it were its own city, it would be the fourth largest city in the country. Despite an extensive subway system, many Brooklyn, NYC drivers still need affordable car insurance, and shouldn’t overpay for it.
How much is car insurance in Brooklyn, NY? Residents shouldn't be surprised to learn that insurance here is expensive. Average car insurance rates in Brooklyn are significantly higher than the national average.
The average cost of car insurance in Brooklyn is $1,944.46 a year for men and $2,162.53 for women. This is about double the $1,205.03 per year paid for average auto insurance in New York. The national average annual cost is $866.31.
How much you pay may vary depending multiple factors including: your driving record and the number of claims filed in your zip code.
|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 renting in Brooklyn, NY owning 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 and a $500 comprehensive and collision deductible.|
QuoteWizard helps consumers compare insurance quotes from both national companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Brooklyn, New York and 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, and find the cheapest rates.
This is our list of the most common car makes and models owned by Brooklyn, NY drivers that used QuoteWizard last year.
These are the most common car insurance companies reported by QuoteWizard users living in Brooklyn last year.
Other popular Brooklyn, NY car insurance companies: Country Financial, 21st Century, MetLife, USAA, American Family, Travelers, Hartford, Safeco, and New York Farm Bureau.
According to a recent report published by Allstate Insurance when it comes to safe driving, 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.
Some of the factors affecting insurance rates are the driving conditions including weather, road repair, and traffic congestion.
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.
According to a recent study by TRIP, 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.
According to TomTom's annual traffic index report, Brooklyn has the third worst traffic congestion in the United States. The average commuter spends an additional 33 minutes per hour stuck in traffic during peak commute times and 128 hours a year for commutes of 30 minutes.
Moving violations like drunk driving, at-fault accidents, running stop signs, and speeding will give you a bad driving record and could flag you as a high-risk driver. This will make your car insurance very expensive.
The State of New York DMV 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.
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 and provides instructions on how to pay or fight your automated red light ticket.
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.
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.
Brooklyn, New York has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least the following three components:
New York is one of the 12 US states that have a no-fault insurance system. In no-fault states, 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, regardless of who was at fault.
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.
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.
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