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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Brooklyn car insurance costs an average of $443 per month — significantly higher than the New York state average of $170 per month, according to our data. That breaks down to $385 per month for liability insurance and $501 per month for full coverage.
Some of the main reasons for Brooklyn’s extremely high rates are its population density and heavy traffic. These factors create an environment likely to result in insurance claims — so insurers charge higher rates. Even so, Brooklyn drivers can still find affordable coverage if they know where to look. Use this guide to find the cheapest car insurance companies in Brooklyn.
AAA offers the cheapest car insurance in Brooklyn, at $213 per month.
Brooklyn drivers must have liability insurance before getting behind the wheel.
Safeco has the cheapest rates for senior drivers in Brooklyn.
Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Brooklyn | $385 | $501 | $443 |
| New York state | $153 | $187 | $170 |
| National average | $92 | $176 | $135 |
The average cost of car insurance in Brooklyn is $443 per month, according to Compare.com data. Brooklyn drivers pay an average of $385 per month for liability insurance and $501 for full coverage — figures well above the national average of $92 and $176 per month, respectively.
But keep in mind that your personal car insurance rate will likely differ since insurance companies determine rates differently. Things like your age, your driving record, and even your ZIP code can affect your premium. That’s why it’s important to compare quotes from multiple companies before buying a policy.
Get Brooklyn's cheapest rates in minutes.
While Brooklyn’s expensive average rates might be daunting, you can still find affordable car insurance with the right companies, and there are plenty of good options to choose from across the NYC metro area.
To start your search, we’ve highlighted the three cheapest insurance companies in Brooklyn in the table below, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| AAA | $213 |
| Safeco | $220 |
| Liberty Mutual | $295 |
We found that AAA has the cheapest car insurance in Brooklyn, with an average rate of $213 per month. That being said, it might not be the cheapest option for you.
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One insurance company won’t be the best option for everyone — each driver has a different driving record, and each insurer has a different way of setting rates. Your goal should be to find the right coverage for your needs at a price you can afford. Don’t just settle for the cheapest option, either — it may not always be the best fit.
Fortunately, Brooklyn drivers have plenty of great choices. Below, we’ve selected three car insurance companies that offer the best policies for certain kinds of drivers.
Average premium: $213 per month
Compare.com Rating: 4.28 out of 5
Among the cheapest rates in Brooklyn
Award-winning roadside assistance program
Need an AAA membership to buy insurance
Can’t buy policies online
AAA offers the cheapest car insurance in Brooklyn, according to Compare.com data. One of the few negatives with this insurer is that you need to be an existing AAA member to get car insurance through the company, but that only costs $65 per year. It’s also worth noting that AM Best gave AAA an A (Excellent) rating, indicating it has good reliability in paying out claims.
Average premium: $226 per month
Compare.com Rating: 4.59 out of 5
Among the cheapest rates for senior drivers
Easy-to-use telematics program
Few available discounts
More complaints than average
Safeco offers seniors policies for only $220 per month, among the cheapest rates for the age group. While the company has more complaints than average, according to the National Association of Insurance Commissioners (NAIC), AM Best gave it an A (Excellent) rating, so it’s great at paying out claims.
Average premium: $295 per month
Compare.com Rating: 4.62 out of 5
Plentiful discounts and insurance products
RightTrack program rewards safe drivers
Far more complaints than average
May be more expensive than other insurers
Liberty Mutual is a good option for Brooklyn drivers who want to take advantage of discounts. It offers several of them, including good student, violation-free, and multi-policy discounts, among numerous others. AM Best also gave the company an A (Excellent) rating.
That said, one of the major drawbacks of the Boston-based insurer is that it has a high number of complaints filed with the NAIC.
Find the best Brooklyn insurer for your needs.
How much coverage you choose to buy will directly affect your premiums. Most states require only liability car insurance — you’ll need to meet your state’s minimum limits before hitting the road.
Liability policies are the cheapest option, but they don’t offer much protection — they only pay for medical expenses and property damage you cause to other drivers, not your own.
Check out the table below for liability coverage rates from Brooklyn’s top insurers, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| AAA | $175 |
| Safeco | $178 |
| Liberty Mutual | $249 |
Our research found that AAA has the cheapest liability-only coverage in Brooklyn, at $175 per month.
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Full-coverage car insurance is a standard policy type that includes liability insurance, as well as collision and comprehensive coverage. These added coverages pay for repairs and replacement to your own vehicle after accidents or other collisions.
While full coverage is usually optional, your lender will likely require you to buy it if you have a loan or lease. But even if you don’t need to meet that requirement, purchasing it is usually a good idea because vehicle repairs can get expensive quickly. In fact, the Insurance Information Institute reports that the average collision claim cost nearly $6,000 in 2022.
Check out the table below for full-coverage rates from Brooklyn’s top insurers, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| AAA | $249 |
| Safeco | $261 |
| Liberty Mutual | $340 |
We found that AAA has the cheapest full-coverage premiums of any insurer in Brooklyn, at $249 per month.
Your age is a major factor that insurers consider when setting your rates. Insurers charge younger drivers the most since they’re the least experienced, while older drivers pay the least. But fortunately, if you keep a clean driving record, your car insurance rates should go down as you get older.
Check out the table below to see how much your rates can change with age, according to Compare.com data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $693 | AAA | $337 |
| 20s | $421 | AAA | $219 |
| 30s | $396 | AAA | $200 |
| 40s | $384 | AAA | $196 |
| 50s | $359 | AAA | $180 |
| 60s | $313 | AAA | $152 |
| 70s | $288 | Safeco | $171 |
Teens pay the most of any age group for insurance, by far. They have minimal experience behind the wheel, so insurers consider them much more likely to file a claim than any other age group and charge them higher rates. Young drivers actually have a fatal crash rate about three times as high as drivers older than 20, according to the Centers for Disease Control and Prevention (CDC).
Teen drivers in Brooklyn pay an average monthly rate of $693 for car insurance, but AAA offers policies for much cheaper — $337 per month.
Seniors pay some of the cheapest car insurance rates in Brooklyn, mainly due to their extensive experience behind the wheel. Insurers see them as safe drivers who are unlikely to file a claim. But once driving impairments — such as slowed reaction time and poor vision — come into play around age 70, rates can creep back up.
Senior drivers in Brooklyn pay an average of $288 per month, according to our research. Safeco offers the cheapest policies to seniors, at just $171 per month.
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Your driving record is the most significant indicator when it comes to your car insurance rates. It gives your insurance company the best indicator of how likely you are to cause an accident and file a claim.
For example, if you have two speeding tickets and an at-fault accident on your record, you’re going to pay a whole lot more than someone with a clean record.
Check out the table below for a look at how rates can change based on your driving record, according to Compare.com data.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $385 | AAA | $198 |
| Speeding ticket | $433 | AAA | $234 |
| At-fault accident | $432 | AAA | $249 |
| DUI | $509 | AAA | $285 |
Even minor tickets can have an effect on your car insurance rates because insurers see tickets as an indication that you’re not a safe driver. A single speeding ticket increases rates by 27% nationally, according to Compare.com data.
Brooklyn drivers pay $433 per month after a speeding ticket, on average, but AAA has the cheapest rates, at $234 per month.
An at-fault accident almost always ends up increasing your rates because insurers see this as an indicator that you’re likely to file another claim in the future. National average premiums increase by 34% after an at-fault accident, according to Compare.com data.
Brooklyn drivers pay an average of $432 per month after an at-fault accident, according to our data. AAA has the cheapest rates for Brooklyn drivers with a recent at-fault accident, at $249 per month.
Driving under the influence (DUI) is an extreme violation and always results in a major rate increase. In addition, the state will suspend your license, and your insurer will likely drop you. On top of that, premiums increase by an average of 50% nationally following a DUI conviction, according to Compare.com data.
Brooklyn drivers pay $509 per month after a DUI, according to our research. That’s a huge increase over the $385 per month drivers with a clean record pay.
Still, you can find a better deal with companies like AAA. It has the cheapest rates for Brooklyn drivers with a DUI, at just $285 per month.
Get cheaper rates, regardless of driving record.
New York requires every driver to have a minimum amount of liability insurance coverage. If you want to drive in the Empire State, you must have at least the following coverage limits:
$25,000 in bodily injury liability (BI) insurance per person and $50,000 for an injury that results in death of one person
$50,000 in BI insurance per accident and $100,000 for an injury that results in death of two or more people
$10,000 in property damage liability insurance per accident
$25,000 in uninsured motorist (UM) coverage per person
$50,000 in UM coverage per accident
Visit the New York Department of Financial Services website if you want to learn more about the state’s auto insurance rules and regulations.
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You can save money on car insurance in several ways if you live in Brooklyn. Check out the following money-saving tips for your next auto insurance policy:
Keep a clean driving record. Driving safely to keep your record blemish-free is the best way to get cheap car insurance.
Pay for a garage spot. Insurers consider where you park your car overnight. If you park it on the street, it’s much more likely to get damaged, and your rates may increase. But keep in mind that this is likely only worth it if the cost of parking doesn’t outpace the potential insurance savings.
Apply for discounts. Ask your insurance company or insurance agent what car insurance discounts you qualify for — you could be missing out on some serious savings.
Bundle policies. Bundling your auto and home insurance policies with the same insurer could save you hundreds. This can even occasionally work with life insurance and renters insurance.
Raise your deductible. Consider increasing your comprehensive and collision deductibles — your insurance premiums will decrease if you do. Just know that you’ll pay more out of pocket when you need to file a claim.
Compare car insurance quotes. Always compare auto insurance quotes from multiple insurance companies before choosing a policy. It’s the only way to ensure you’re getting the best deal possible.
Compare personalized quotes from Brooklyn's top insurers.
If you still have more questions about Brooklyn car insurance, check out the answers to some of the most commonly asked questions below.
AAA has the cheapest car insurance in Brooklyn, with an average cost of $213 per month, according to Compare.com data.
Car insurance in Brooklyn costs $443 per month, on average, according to Compare.com data. Drivers pay an average of $385 per month for liability coverage and $501 per month for full coverage.
The state of New York requires drivers to have $25,000 in bodily injury liability insurance per person, $50,000 in bodily injury liability per accident, and $10,000 in property damage liability. It also requires $25,000 per person and $50,000 per accident in uninsured motorist coverage and $50,000 per person and $100,000 per accident for injuries resulting in death.
You risk various penalties if you drive without insurance in Brooklyn. If you get into a car accident without an active insurance policy, the DMV will suspend your license and registration for a year and can fine you up to $1,500. You’ll also have to pay a $750 fee to get your license back.
Car insurance in New York City costs an average of $440 per month, according to our data. That breaks down to $383 per month for liability insurance and $496 for full coverage.
World Population Review, “Brooklyn, New York Population 2024,” accessed August 28, 2024.
AM Best, “AM Best Rating Services,” accessed August 28, 2024.
New York State Department of Financial Services, “Minimum Auto Insurance Requirements,” accessed August 28, 2024.
Insurance Information Institute, “Auto insurance basics—understanding your coverage,” accessed August 28, 2024.
Centers for Disease Control and Prevention, “Risk Factors for Teen Drivers,” accessed August 28, 2024.
National Association of Insurance Commissioners, “Consumer Insurance Search Results,” accessed August 28, 2024.
New York State Department of Motor Vehicles, “Auto Liability Insurance,” accessed August 28, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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