We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”

Cheapest Car Insurance Quotes in Brooklyn

  • Finding the cheapest car insurance quotes in Brooklyn shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
  • We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
Landmark
406,175 Policies Sold
Brooklyn Car Insurance
$ 34

/mo

Sara Sam
Written by Sara Sam
Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

How Much Is Car Insurance in Brooklyn

The car insurance rate in Brooklyn is $1176 for a six-month policy, which is $305 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $481, making it a popular choice for budget-conscious drivers. Rates in Brooklyn can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Brooklyn

$1176

National Average

$1278

Cheapest Car Insurance Companies in Brooklyn

1st place: American Family

At $481 for a six month policy, American Family offers the cheapest auto insurance rates in the city. 

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $602 for a six-month policy, making it one of the cheapest to insure with. 

3rd place: Westfield

Westfield offers auto insurance rates at $682 for six months, making it the third cheapest auto insurance company in Brooklyn.

Brooklyn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brooklyn, IL is American Family, offering policies at just $481 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $602.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1268 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brooklyn drivers find the best deals.

Cheap Car Insurance Companies in Brooklyn, IL

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $481 $82
Auto-Owners Insurance Co $602 $100
Westfield $682 $116
Travelers $873 $147
Country Financial $930 $157
Erie $1083 $182
USAA $1291 $217
Auto-Owners $1331 $224
Progressive $1364 $230
State Farm $1467 $247
Farmers $1612 $274
Allstate $2318 $390
Hanover $1268 $211
Key Takeaways

Way's key takeaways about car insurance in Brooklyn

  • The auto insurance costs in Brooklyn fall around $481 for six months. 
  • The cheapest auto insurance company in Brooklyn is Mercury.
  • Teen drivers pay the highest rate in Brooklyn at $78 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Brooklyn

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Brooklyn are given below. 

Mercury provides the cheapest minimum car insurance coverage in Brooklyn. Their Average 6 Month Premium is $201. AAA is the most expensive at $344 for the same period. 

Cheapest Liability Coverage in Brooklyn, IL

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $201 $34
Westfield $216 $36
Auto-Owners Insurance Co $257 $43
American Family $273 $46
Erie $336 $57
Travelers $369 $62
Auto-Owners $377 $63
Country Financial $377 $63
USAA $466 $78
State Farm $497 $84
Progressive $521 $88
Allstate $770 $130
Farmers $1003 $170
Hanover $240 $41
AAA $344 $58

Cheapest Full Coverage Car Insurance in Brooklyn

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Brooklyn is American Family at $82 per month and $481 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Brooklyn, IL

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $481 $82
Auto-Owners Insurance Co $602 $100
Westfield $682 $116
Travelers $873 $147
Country Financial $930 $157
Erie $1083 $182
USAA $1291 $217
Auto-Owners $1331 $224
Progressive $1364 $230
State Farm $1467 $247
Farmers $1612 $274
Allstate $2318 $390
Hanover $1268 $211

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Brooklyn Instantly!

Average Car Insurance in Brooklyn by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Brooklyn, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Brooklyn, Illinois, may be increasing due to several external factors. Illinois has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Brooklyn's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs. 

Cheapest Car Insurance Rates for Teen Drivers in Brooklyn,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Brooklyn at $43 per month. At $458 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Westfield $257 $43
American Family $297 $50
Mercury $297 $50
Auto-Owners Insurance Co $321 $54
Farmers $521 $86
Country Financial $1459 $246
Travelers $1524 $257
Erie $1732 $292
USAA $2630 $443
Auto-Owners $2871 $489
Progressive $4042 $680
State Farm $4996 $841
Allstate $5453 $918
AAA $458 $78

Teen Car Insurance Rates in IL by Age

viewmore

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Brooklyn, Mercury is the cheapest car insurance provider. At $305 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Brooklyn is Farmers, offering rates of around $3922 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $305 $51
Westfield $401 $68
American Family $505 $86
Hanover $537 $89
Travelers $963 $162
Country Financial $1083 $182
Progressive $1339 $225
USAA $2373 $396
Erie $2583 $439
Auto-Owners $3673 $612
Allstate $4203 $714
State Farm $6271 $1045
Farmers $3922 $667

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Brooklyn.

Car Insurance Rates with An Accident in Brooklyn

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Brooklyn, IL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Brooklyn

The cheapest car insurance companies after an at-fault accident in Brooklyn include American Family and AutoOwners Insurance Co, offering $321 and $336, respectively. AAA is an expensive provider with an average six-month premium of $570.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $321 $54
Auto-Owners Insurance Co $336 $57
Westfield $344 $58
Mercury $441 $76
Farmers $657 $109
Travelers $810 $136
Erie $1003 $169
Country Financial $1067 $180
State Farm $1347 $227
USAA $1443 $243
Auto-Owners $1508 $251
Progressive $2037 $343
Allstate $3953 $666
AAA $570 $97

Brooklyn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brooklyn IL. For example, the car insurance in Brooklyn after a DUI increases to $1107 for a six month policy. While the rate increases by $297 for a six-month policy in the case of a speeding ticket.  

Brooklyn auto insurance quotes by violations

Accident/Violation Avg. 6 Mo Premium Avg. Monthly Premium
None $1323 $220
One Med/PIP claim $1331 $227
Not-at-fault accident $1404 $234
One comp claim $1435 $244
Two Med/PIP claims $1435 $239
Failure to wear a seat belt $1539 $262
Driving without lights $1555 $259
Child safety restraint $1563 $266
Two comp claims $1563 $261
Failure to show documents $1588 $270
Speeding 6 - 10 MPH over limit $1620 $270
Driving with expired registration $1628 $277
Speeding 11 - 15 MPH over limit $1661 $277
Driving too slowly $1669 $284
Failure to yield $1669 $278
Illegal turn $1669 $284
At-fault accident - less than $1000 $1683 $281
Failure to stop at a red light $1683 $286
Following too closely $1683 $281
Speeding 16 - 20 MPH over limit $1692 $288
Speeding in school zone $1692 $282
Improper passing $1700 $289
Wrong way/wrong lane $1700 $284
Cell phone violation $1732 $294
Texting while driving $1732 $289
Passing school bus $1748 $297
In 65 MPH zone $1756 $293
Speeding 21 - 25 MPH over limit $1773 $301
Operating a vehicle without permission $1805 $301
At-fault accident - $1000-$2000 $1917 $325
At-fault accident - greater than $2000 $1948 $325
Open container $2013 $343
Reckless driving $2334 $389
Racing $2357 $401
Driving with a suspended license $2406 $401
Refusal to submit to a chemical test $2422 $412
DUI $2430 $405
Leaving scene of an accident/hit and run $2454 $417

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Brooklyn after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Brooklyn.

The cheapest car insurance premiums in Brooklyn are offered by Mercury at $305 for a six-month policy. However, it can be as expensive as $3440 with companies like Farmers.

Brooklyn car insurance quotes with a DUI

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $305 $51
American Family $321 $54
Travelers $859 $144
Progressive $1034 $174
Erie $1235 $208
Country Financial $1435 $242
USAA $1972 $332
State Farm $2029 $342
Auto-Owners $2141 $365
Allstate $3401 $572
Farmers $3440 $585

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Brooklyn are offered by Westfield at $257. However, it can be as expensive as $6303 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Brooklyn after Speeding ticket

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Westfield $257 $43
Auto-Owners Insurance Co $289 $49
Mercury $313 $53
American Family $321 $54
Hanover $385 $65
Erie $802 $135
Country Financial $963 $162
Travelers $1219 $203
Auto-Owners $1235 $211
State Farm $1547 $258
USAA $1708 $290
Progressive $1748 $292
Allstate $3641 $620
Farmers $6303 $1050

Car Insurance Price Trends in Brooklyn, Illinois

Car insurance rates in Brooklyn have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Brooklyn dipped by $228 in January compared to $261 of December. In other words, there has been an decrease by $33 when you compare January and December.

The average cost of liability insurance in the Brooklyn dipped to $69 in January, compared to $72 in December. This represents an decrease of $3 when comparing January and December.


Our Insurance Agent Experts
Wilson Mathew Nechikat
Principal
View Profile
Anthony Luu
Senior Director of Insurance Operations
View Profile
business-owner-image
Ezra Peterson
Senior Director of Insurance
View Profile
Danny Herrera
Head of Commercial Insurance
View Profile

Frequently Asked Questions

How much is car insurance in Brooklyn?

Down icon

The car insurance in Brooklyn is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Brooklyn?

Down icon

The cheapest car insurance in Brooklyn is $82 per month for full coverage.

How much is car insurance in Brooklyn for teenagers?

Down icon

Car insurance for teenagers costs $257 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Brooklyn?

Down icon

The average cost of car insurance is $871 for a six-month policy. It will cost around $197 per month to insure your car in Brooklyn.

Is car insurance expensive in Brooklyn?

Down icon

Car insurance can be expensive in Brooklyn if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Brooklyn can be affordable.

What is the best car insurance in Brooklyn, IL?

Down icon

The best car insurance company in Brooklyn IL is American Family, offering $481 for a six-month policy.

Tired of Insane Auto Insurance Bills? Us Too!

Cut auto insurance costs in Brooklyn right now.

Find Car Insurance Rates in Cities Near Brooklyn, IL

Data Sources