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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.
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.
Table of Contents
How Much Is Car Insurance in Brooklyn
The car insurance rate in Brooklyn is $1649 for a six-month policy, which is $445 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1018, 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.
At $1018 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1123 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $1171
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, MD is Kemper, offering policies at just $1018 for a six-month term. This is followed by USAA, which has an average six-month premium of $1123.
At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $3280 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.
Way's key takeaways about car insurance in Brooklyn
The auto insurance costs in Brooklyn fall around $1018 for six
months.
The cheapest auto insurance company in Brooklyn is USAA.
Teen drivers pay the highest rate in Brooklyn at $1697 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.
USAA provides
the cheapest minimum car insurance
coverage in Brooklyn. Their Average 6 Month Premium is $415.
Allstate is the most
expensive at $1302 for the same
period.
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 Kemper
at $173 per month and $1018
for six months.
Cheapest Full Coverage Car Insurance Quotes in Brooklyn,
MD
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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, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Brooklyn, Maryland, may be increasing due to several external factors.
Maryland 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.
Car Insurance Premiums by Age in Brooklyn
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Brooklyn,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Brooklyn at $101
per
month. At $10189 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Brooklyn.
As young drivers face the highest rates in Brooklyn, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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,
USAA is
the cheapest car insurance provider. At $1465 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 Allstate, offering
rates of around $3800 for six
months.
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, MD,
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 Erie
and USAA, offering $1163
and $1188,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4484.
Here is a list of driving violations that can increase your car
insurance rates in Brooklyn MD. For example, the car
insurance in Brooklyn
after a DUI increases to $1545 for a six
month policy. While the rate increases by $358 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
$1644
$274
One Med/PIP claim
$1700
$289
Not-at-fault accident
$1766
$295
One comp claim
$1774
$301
Two Med/PIP claims
$1807
$301
Failure to wear a seat belt
$1863
$316
Failure to show documents
$1913
$319
Child safety restraint
$1929
$327
Two comp claims
$1929
$322
Driving with expired registration
$1977
$336
Cell phone violation
$2002
$334
Driving too slowly
$2002
$340
Failure to stop at a red light
$2002
$334
Failure to yield
$2002
$340
Following too closely
$2002
$334
Illegal turn
$2002
$340
Improper passing
$2002
$334
Speeding 11 - 15 MPH over limit
$2002
$340
Speeding 16 - 20 MPH over limit
$2002
$334
Speeding 6 - 10 MPH over limit
$2002
$340
Texting while driving
$2002
$334
Wrong way/wrong lane
$2002
$340
Speeding in school zone
$2026
$338
At-fault accident - less than $1000
$2067
$352
Passing school bus
$2076
$345
Driving without lights
$2084
$355
Open container
$2092
$348
Operating a vehicle without permission
$2115
$360
Speeding 21 - 25 MPH over limit
$2189
$364
In 65 MPH zone
$2392
$407
At-fault accident - $1000-$2000
$2466
$411
At-fault accident - greater than $2000
$2466
$419
Reckless driving
$2815
$470
Racing
$3028
$515
Driving with a suspended license
$3076
$512
Refusal to submit to a chemical test
$3174
$540
DUI
$3189
$532
Leaving scene of an accident/hit and run
$3214
$547
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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 Erie at $977 for a six-month policy.
However, it can be as
expensive as $4825 with companies
like Maryland Auto.
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 USAA
at $1001. However,
it can be as expensive as $3321
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Brooklyn after Speeding ticket
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 rose by
$308 in January
compared to $292 of December. In other words, there has been an increase by $16 when you
compare January and December.
The average cost of liability insurance in the Brooklyn rose to $107 in January,
compared to $105 in December.
This represents an increase of $2
when comparing January and December.
Average Car Insurance Cost in Brooklyn by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Brooklyn. At $3298 for a
six-month policy, insuring
your car at 21225 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Brooklyn?
The car insurance in Brooklyn is $70 per month, which is lower than the national average.
What is the cheapest car insurance in Brooklyn?
The cheapest car insurance in Brooklyn
is $173 per month
for full coverage.
How much is car insurance in Brooklyn for teenagers?
Car insurance for teenagers costs $611 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?
The average cost of car insurance is $1204 for a six-month
policy. It will cost around $277 per month to insure your
car in Brooklyn.
Is car insurance expensive in Brooklyn?
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,
MD?
The best car insurance company in Brooklyn
MD is
Kemper, offering $1018 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Brooklyn, MD
Car Insurance Rates by State in the USA (2025 Update)
Brooklyn Car Insurance
