Cheapest Car Insurance Quotes in Brooklyn

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399,755 Policies Sold

Brooklyn Car Insurance

^$ 110

/mo

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.

Table of Contents

How Much Is Car Insurance in Brooklyn

The car insurance rate in Brooklyn is $2583 for a six-month policy, which is $1554 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1386, 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

$2583

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Brooklyn

1st place: Kemper

At $1386 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $1835 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1850 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, NY is Kemper, offering policies at just $1386 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1835.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3860 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, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1386	$236
New York Central Mutual Fire	$1835	$306
Progressive	$1850	$311
American Family	$2146	$361
NYCM	$2251	$379
Erie	$2698	$449
Nationwide	$2713	$462
USAA	$2728	$459
State Farm	$3383	$570
Travelers	$3564	$600
Allstate	$3860	$650

Key Takeaways

Way's key takeaways about car insurance in Brooklyn

The auto insurance costs in Brooklyn fall around $1386 for six months.
The cheapest auto insurance company in Brooklyn is New York Central Mutual Fire.
Teen drivers pay the highest rate in Brooklyn at $1968 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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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.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Brooklyn. Their Average 6 Month Premium is $655. Preferred Mutual is the most expensive at $1729 for the same period.

Cheapest Liability Coverage in Brooklyn, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$655	$110
NYCM	$685	$115
Kemper	$806	$133
Progressive	$954	$161
American Family	$969	$163
USAA	$1177	$198
Nationwide	$1252	$208
Erie	$1581	$269
State Farm	$1835	$309
Travelers	$1968	$331
Allstate	$2058	$346
Utica National	$1431	$243
Preferred Mutual	$1729	$289

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 Kemper at $236 per month and $1386 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brooklyn, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1386	$236
New York Central Mutual Fire	$1835	$306
Progressive	$1850	$311
American Family	$2146	$361
NYCM	$2251	$379
Erie	$2698	$449
Nationwide	$2713	$462
USAA	$2728	$459
State Farm	$3383	$570
Travelers	$3564	$600
Allstate	$3860	$650

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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, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Brooklyn, New York, may be increasing due to several external factors. New York 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
20s	National Grange Mutual	$1413
30s	National Grange Mutual	$1007
40s	National Grange Mutual	$969
50s	National Grange Mutual	$984
60s	National Grange Mutual	$1059
70s	National Grange Mutual	$1453

Cheapest Car Insurance Rates for Teen Drivers in Brooklyn,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Brooklyn at $156 per month. At $11689 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$939	$156
American Family	$1132	$191
NYCM	$1893	$319
Progressive	$2997	$505
New York Central Mutual Fire	$3266	$545
USAA	$5994	$1009
Nationwide	$7829	$1305
Travelers	$9691	$1631
Allstate	$10482	$1765
State Farm	$11689	$1968

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Brooklyn.

As young drivers face the highest rates in Brooklyn, National Grange Mutual offers the cheapest auto insurance rates at $1413 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, Chubb is the cheapest car insurance provider. At $2013 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 Progressive, offering rates of around $12987 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$2013	$336
Kemper	$2103	$356
Nationwide	$2713	$452
USAA	$3757	$640
NYCM	$3921	$653
Erie	$4249	$723
American Family	$4995	$833
Allstate	$5113	$861
State Farm	$5294	$891
Mercury	$6217	$1057
Travelers	$6350	$1069
Progressive	$12987	$2186

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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, NY, 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 Kemper and American Family, offering $1162 and $1192, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1446.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1162	$193
American Family	$1192	$201
NYCM	$1446	$243
Erie	$1581	$269
Chubb	$1744	$291
Progressive	$1908	$321
New York Central Mutual Fire	$2206	$369
USAA	$2369	$399
Nationwide	$3564	$595
Allstate	$3594	$605
State Farm	$4340	$730
Travelers	$4413	$743
Utica National	$1431	$243
Preferred Mutual	$1446	$241

Brooklyn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brooklyn NY. For example, the car insurance in Brooklyn after a DUI increases to $1790 for a six month policy. While the rate increases by $284 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	$3145	$525
One Med/PIP claim	$3145	$535
One comp claim	$3175	$530
Two comp claims	$3205	$545
Two Med/PIP claims	$3205	$535
Not-at-fault accident	$3220	$547
Failure to show documents	$3266	$545
Failure to wear a seat belt	$3281	$557
Driving with expired registration	$3311	$552
At-fault accident - less than $1000	$3326	$565
Cell phone violation	$3326	$555
Child safety restraint	$3326	$565
Driving without lights	$3326	$555
Failure to stop at a red light	$3326	$565
Failure to yield	$3326	$555
Following too closely	$3326	$565
Illegal turn	$3326	$555
Improper passing	$3326	$565
Passing school bus	$3326	$555
Texting while driving	$3326	$565
Wrong way/wrong lane	$3326	$555
Driving too slowly	$3356	$570
Speeding in school zone	$3356	$560
At-fault accident - $1000-$2000	$3368	$572
Speeding 11 - 15 MPH over limit	$3429	$572
Speeding 6 - 10 MPH over limit	$3429	$582
Operating a vehicle without permission	$3489	$582
Open container	$3534	$600
In 65 MPH zone	$3682	$615
Speeding 16 - 20 MPH over limit	$3727	$635
Speeding 21 - 25 MPH over limit	$3860	$643
At-fault accident - greater than $2000	$4159	$708
Reckless driving	$4443	$740
Racing	$4621	$786
Driving with a suspended license	$4787	$798
Refusal to submit to a chemical test	$4889	$831
DUI	$4935	$823
Leaving scene of an accident/hit and run	$5010	$851

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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 American Family at $1132 for a six-month policy. However, it can be as expensive as $5055 with companies like State Farm.

Brooklyn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$1132	$191
Kemper	$1192	$203
Progressive	$1446	$243
NYCM	$1820	$306
New York Central Mutual Fire	$2683	$447
USAA	$2861	$482
Allstate	$4249	$715
Travelers	$4367	$735
Nationwide	$4428	$738
State Farm	$5055	$851

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 American Family at $999. However, it can be as expensive as $5128 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Brooklyn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$999	$171
Kemper	$999	$166
Progressive	$1237	$208
NYCM	$1654	$276
USAA	$2251	$384
Nationwide	$3102	$517
State Farm	$3356	$570
Travelers	$4905	$818
Allstate	$5128	$871

Car Insurance Price Trends in Brooklyn, New York

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 $620 in December compared to $622 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Brooklyn dipped to $213 in December, compared to $221 in November. This represents an decrease of $8 when comparing December and November.

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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 $2660 for a six-month policy, insuring your car at 11229 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
11229	$2660	$447
11207	$2660	$447
11206	$2660	$447
11228	$2608	$438
11209	$2634	$442
11208	$2660	$447
11221	$2660	$447
11220	$2660	$447
11201	$2634	$442
11223	$2660	$447
11222	$2608	$438
11203	$2634	$442
11225	$2634	$442
11224	$2608	$438
11205	$2608	$438
11204	$2634	$442
11226	$2660	$447
11230	$2660	$447
11218	$2634	$442
11217	$2608	$438
11239	$2582	$434
11219	$2660	$447
11232	$2608	$438
11210	$2634	$442
11231	$2608	$438
11212	$2634	$442
11234	$2660	$447
11211	$2660	$447
11233	$2660	$447
11236	$2660	$447
11214	$2660	$447
11213	$2634	$442
11235	$2660	$447
11238	$2634	$442
11216	$2634	$442
11237	$2608	$438
11215	$2634	$442

Frequently Asked Questions

How much is car insurance in Brooklyn?

The car insurance in Brooklyn is $110 per month, which is higher than the national average.

What is the cheapest car insurance in Brooklyn?

The cheapest car insurance in Brooklyn is $236 per month for full coverage.

How much is car insurance in Brooklyn for teenagers?

Car insurance for teenagers costs $939 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 $1029 for a six-month policy. It will cost around $434 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.

Cheapest Car Insurance Quotes in Brooklyn

Why you can trust Way?

How Much Is Car Insurance in Brooklyn

Avg. Car Insurance in Brooklyn

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Brooklyn

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Brooklyn Car Insurance Rates by Company

Cheap Car Insurance Companies in Brooklyn, NY

Way's key takeaways about car insurance in Brooklyn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brooklyn

Cheapest Liability Coverage in Brooklyn, NY

Cheapest Full Coverage Car Insurance in Brooklyn

Cheapest Full Coverage Car Insurance Quotes in Brooklyn, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brooklyn by Rating Factor

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

Car Insurance Premiums by Age in Brooklyn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brooklyn,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Brooklyn.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Brooklyn

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

Brooklyn Car Insurance Rates by Violation

Brooklyn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brooklyn after a DUI

Brooklyn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brooklyn after Speeding ticket

Car Insurance Price Trends in Brooklyn, New York

Average Car Insurance Cost in Brooklyn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brooklyn, NY

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources