Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best cheap car insurance in Brooklyn for 2024
Edited by
Reviewed by
Edited by
Reviewed by
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Brooklyn
To identify the best car insurance companies in Brooklyn, Bankrate’s team looked at several variables, starting with the latest average premium data available from Quadrant Information Services. In addition to pricing data, we considered factors like customer service, as seen in satisfaction scores from J.D. Power, complaint index scores from the National Association of Insurance Commissioners (NAIC) and AM Best financial strength ratings, as well as coverage options and available discounts. Based on all these factors, our team assigned each carrier a Bankrate Score on a five-point scale. Combined with pricing data, this score offers a quick snapshot of how well each of these carriers meets its customers’ needs in Brooklyn.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: With a Bankrate Score of 4.4 for auto insurance, Progressive is among the best insurance companies for drivers in New York. We found that Progressive’s premiums are among the lowest in Brooklyn, including affordable rates for drivers with higher risk factors such as teens and drivers with past violations, earning it a 2024 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers. Progressive works with an extensive network of local insurance agents in Brooklyn along with user-friendly mobile and online tools.
Why Progressive may be best for full coverage: In our analysis of premium data, Progressive offered the lowest average rates for full coverage of any major New York insurance company. In addition to standard coverage options, Progressive also offers some full coverage add-ons that may not be available from other carriers, such as custom parts and equipment coverage, pet injury coverage and a deductible savings bank.
| Bankrate Score | 4.4 |
| J.D. Power | |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Tying with Progressive for the highest Bankrate Score on our list, Geico offers full and minimum coverage policies at rates well below the Brooklyn average. With special perks and discounts for safe drivers as well as active-duty military members and veterans, Geico may be one of the most affordable auto insurance providers for many drivers in Brooklyn. Geico ranked third in New York State for customer satisfaction according to the 2023 J.D. Power U.S. Auto Insurance Study, and tied for 2024 Bankrate Awards for Best Auto Insurance Company Overall and Best Budget Auto Insurance Company.
Why Geico may be best for digital policy management: With a single insurance agent located in Brooklyn, Geico may not be the best fit for drivers who prefer to work with a local agent. But for anyone who would rather manage their insurance policy from their smartphone, Geico’s top-rated mobile app and intuitive online tools could be a major advantage. Geico ranked second for customer service in J.D. Power’s 2023 U.S. Insurance Digital Experience Study.
| Bankrate Score | 4.4 |
| J.D. Power | |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: A strong network of local agents and a robust slate of discounts earn State Farm a place among the best Brooklyn auto insurers. State Farm also ranked second for customer satisfaction in New York in J.D. Power’s 2023 U.S. Auto Insurance Study. However, it’s worth noting that State Farm’s average minimum coverage premiums were well above the borough’s average in our analysis.
Why State Farm may be best for discounts: Although State Farm’s average rates are slightly higher than those of our other featured carriers, its generous New York discount list could offset costs for many Brooklyn drivers. The most powerful discounts Brooklyn drivers may be eligible for from State Farm include the Drive Safe & Save telematics discount (up to 30 percent) and an accident prevention course discount (10 percent). State Farm also offers four distinct discounts for drivers under age 25.
| Bankrate Score | 4.3 |
| J.D. Power | |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Erie made our list: As a super-regional carrier only available in 12 states and Washington, D.C., Erie is the smallest insurer on our list, but its record for above-average customer service, along with premiums below the Brooklyn average, earns it a place among the best insurers in the borough. In J.D. Power’s 2023 customer satisfaction study, Erie scored well above average in most of the regions where it’s available, and the NAIC reports a low rate of customer complaints.
Why Erie may be best for claims: Erie ranks second in the nation for claims satisfaction, according to the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Erie ranked fourth nationwide and first in the northeast on the CRASH Network’s 2024 Insurer Report Card, a survey of auto repair shop owners regarding insurers’ claims handling practices. Combined with a financial strength rating of A+ (Superior) from AM Best, these data points indicate that Erie may outperform other carriers when it comes to satisfying customers’ claims.
| Bankrate Score | 4 |
| J.D. Power | |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Allstate made our list: Allstate scored above average in the New York region in the 2023 J.D. Power U.S. Auto Insurance Study and offered some of the most affordable premiums in our analysis of Brooklyn rate data. Robust coverage options and a strong slate of available discounts, including some less-common discounts like a responsible payer discount, could make Allstate an attractive choice for many drivers. Allstate also has one of the most generous student discounts of any major carrier, with savings available for high school and college students with grades as low as a B- or 2.7 GPA.
Why Allstate may be best for bundled policies: Allstate drivers who own or rent their home in Brooklyn can bundle these policies with their auto coverage for discounted premiums. In addition to its strong ratings as an auto insurance provider, Allstate tied for the 2024 Bankrate Award for Best Home Insurance Company overall, making it one of the best home insurance companies for Brooklyn drivers who want to manage multiple insurance policies in a single place.
| Bankrate Score | 3.9 |
| J.D. Power | |
| AM Best score | A+ |
Bankrate's trusted insurance industry expertise
Read our full methodologyBankrate’s insurance editorial team is made up of licensed insurance agents and other insurance professionals with combined decades of industry experience. In order to ensure our recommendations are based on the most up-to-date information, we source average premium data from Quadrant Information Services, using the latest data available in a given month.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Brooklyn
According to Bankrate’s analysis, Utica National, Progressive and Geico are the cheapest car insurance companies for minimum coverage in Brooklyn. Keep in mind that these rates are based on a 40-year-old driver with a clean driving record, and individual premiums could vary based on a range of rating factors. To identify the cheapest New York insurers for your individual risk profile, be sure to compare personalized quotes in addition to the average rates shown below.
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
$2,065
|
$3,358
|
|
|
$2,470
|
$4,938
|
|
|
$2,209
|
$5,102
|
|
|
$2,762
|
$5,711
|
|
|
$4,047
|
$6,265
|
How much is car insurance in Brooklyn, NY?
The average cost of car insurance in Brooklyn, NY in July 2024 is $6,030 per year for full coverage and $2,734 for minimum coverage, based on an adult driver with a clean driving record. That’s roughly 64 percent more than the New York state average for full coverage and 72 percent more than the state average for minimum coverage. Compared to the national average cost of full coverage car insurance, Brooklyn drivers pay about 161 percent more more.
However, individual rates vary based on a wide range of factors, from age and credit record to driving record and claims history. While average data can show general trends, comparing rates based on your individual profile is the most accurate way to predict your insurance costs in Brooklyn.
Brooklyn rates for teens
Teen drivers carry a higher level of risk for insurers, since drivers aged 16 to 19 have a statistically high rate of motor vehicle accidents and violations. Staying on a parent’s policy could significantly reduce the financial burden of auto insurance for a Brooklyn teen. According to our research, an 18-year-old driver in Brooklyn pays an average of $12,137 per year for a standalone full coverage policy, but a married couple with an 18-year-old on their policy pay just $9,513 per year.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
Utica National
|
$2,075
|
$2,075
|
|
$2,917
|
$2,536
|
|
|
$3,567
|
$3,433
|
|
|
$3,882
|
$3,380
|
|
|
$5,204
|
$5,031
|
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$6,967
|
$6,072
|
|
|
$7,186
|
$6,550
|
|
|
$8,211
|
$7,873
|
|
|
$10,620
|
$9,060
|
|
|
$12,138
|
$11,766
|
Brooklyn rates for young drivers
As drivers move into their early 20s, two things typically happen: many young adults move to a new permanent address outside of their parents’ home, and insurance companies begin to lower rates as drivers approach age 25. On average, a 25-year-old driver in Brooklyn pays $7,063 per year for their own full coverage policy, compared to $10,636 for a standalone policy at age 20.
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
Utica National
|
$2,431
|
$1,826
|
|
$3,508
|
$2,193
|
|
|
$3,822
|
$2,388
|
|
|
$4,528
|
$2,454
|
|
|
$4,902
|
$3,360
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$6,493
|
$3,884
|
|
|
$8,930
|
$5,494
|
|
|
$10,370
|
$6,779
|
|
|
$10,940
|
$5,219
|
|
|
$10,975
|
$6,946
|
Brooklyn rates for adults
Auto insurance rates typically stabilize during adulthood, as drivers establish more experience on the road. At age 30, the average Brooklyn driver pays $6,343 per year for full coverage; the same driver will pay an average of $5,970 per year at age 50.
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
Utica National
|
$1,590
|
$1,590
|
$1,377
|
|
$2,056
|
$2,065
|
$1,940
|
|
|
$2,250
|
$2,209
|
$2,130
|
|
|
$2,461
|
$2,470
|
$2,577
|
|
|
$2,712
|
$2,513
|
$2,443
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$3,482
|
$3,358
|
$3,076
|
|
|
$4,921
|
$4,938
|
$5,109
|
|
|
$5,191
|
$5,102
|
$4,822
|
|
|
$6,150
|
$5,711
|
$5,245
|
|
|
$6,366
|
$6,265
|
$5,962
|
Brooklyn rates for senior drivers
Car insurance rates for seniors are typically the lowest of any age group, but insurers may begin to increase premiums for drivers in their 70s. Around that age, the risks associated with decreased vision, slower reaction times and greater medical fragility can present higher potential costs to insurers. On average, a 70-year-old driver in Brooklyn pays $6,362 per year for full coverage insurance, compared to $6,024 at age 60.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
Utica National
|
$1,377
|
$1,447
|
|
$1,832
|
$1,976
|
|
|
$2,176
|
$2,390
|
|
|
$2,257
|
$2,358
|
|
|
$2,527
|
$3,073
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$1,832
|
$3,260
|
|
|
$2,257
|
$5,513
|
|
|
$2,588
|
$5,413
|
|
|
$2,687
|
$5,273
|
|
|
$3,732
|
$5,734
|
The cheapest car insurance in Brooklyn by driving record
Insurance companies use age as a predictor of driving risk, but your New York driving history will provide a concrete record of your on-road safety. If insurers see accidents or convictions when they check your motor vehicle report (MVR), they’ll likely charge a higher rate to account for the likelihood that you’ll need to file a claim.
Car insurance with a speeding ticket in Brooklyn
A New York speeding ticket conviction can cause your insurance rates to increase at renewal. On average, a Brooklyn driver with a single speeding ticket conviction pays $6,426 per year for full coverage — 7 percent more than drivers with clean records.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
Utica National
|
$1,590
|
$10,978
|
|
$2,100
|
$3,409
|
|
|
$2,315
|
$5,358
|
|
|
$2,771
|
$5,790
|
|
|
$2,901
|
$7,279
|
Car insurance after an accident in Brooklyn
If you’re found at fault in a car accident, your insurance premiums will typically rise for a few years to account for the added risk on your profile. A Brooklyn driver with a single at-fault accident pays 6 percent more for full coverage, on average, than a driver with a clean record, for an annual total of $6,401.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
Utica National
|
$1,590
|
$10,978
|
|
$2,101
|
$3,424
|
|
|
$2,315
|
$5,358
|
|
|
$2,470
|
$4,938
|
|
|
$2,762
|
$5,711
|
Car insurance after a DUI in Brooklyn
A DUI conviction can cause your auto insurance premiums to shoot up. On average, a Brooklyn driver with a DUI conviction pays 58 percent more for full coverage and 59 percent more for state minimum coverage when compared to the borough-wide average. The table below shows some of the Brooklyn carriers with the cheapest rates for coverage after a DUI.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$2,138
|
$3,473
|
|
|
$3,054
|
$6,635
|
|
|
Utica National
|
$3,728
|
$19,045
|
|
$4,027
|
$9,596
|
|
|
$4,452
|
$9,050
|
Minimum coverage requirements in Brooklyn
All drivers in Brooklyn must carry at least the following required minimum coverage:
- $25,000 bodily injury liability per person and $50,000 death per person
- $50,000 bodily injury liability per accident and $100,000 death per accident
- $10,000 property damage liability per accident
- $50,000 personal injury protection (PIP)
- $25,000 statutory uninsured motorist bodily injury per person
- $50,000 statutory uninsured motorist bodily injury per accident
Supplemental uninsured/underinsured motorist coverage is available, and many insurance professionals recommend raising liability limits beyond the minimum required by New York’s insurance laws. In addition, if your vehicle is financed or leased, your lender will likely require that you carry collision and comprehensive coverage for the length of your contract.
These minimum requirements contribute to New York’s high insurance rates compared to other states. Shopping around with the best cheap car insurance companies in Brooklyn can make those coverage adjustments more affordable.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
