Best cheap car insurance in Brooklyn
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Drivers in Brooklyn pay some of the highest premiums in the country and well-above the national average. The average price of car insurance in Brooklyn for full coverage is $5,171 per year, or $431 monthly, while minimum coverage averages $2,332 per year. With these average costs, drivers in Brooklyn may need to find as many ways to save on their premiums as possible. Bankrate has reviewed several carriers to see which ones are offering the most affordable rates for drivers in Brooklyn and found Geico, USAA and State Farm stand out among the numerous carriers we analyzed.
Best car insurance companies in Brooklyn
To determine which car insurance companies in Brooklyn offer the most affordable options, Bankrate reviewed the latest rates provided by Quadrant Information Services. Additionally, each carrier was assigned a Bankrate score, which is based on a five-point scale and is determined by using a comprehensive approach. Several factors are reviewed for the score, including third-party ratings for customer service and financial strength.
|Insurance company||Bankrate Score||J.D. Power score (New York region)||Average annual premium for full coverage||Average annual premium for minimum coverage|
*Not eligible for official ranking with J.D. Power due to eligibility requirements.
Geico has been insuring drivers for over 75 years and offers a complete lineup of coverage options and discounts for drivers of all ages. Not only does Geico score high in its customer satisfaction ratings with J.D. Power, but its financial strength ratings from AM Best and S&P are equally impressive. Although Geico has a more limited offering of add-on features, Geico scores the highest A++ possible with AM Best and earns an AA+ rating with Standard & Poors – both indicating the highest level of financial strength and stability.
Learn more: Geico Insurance review
|High financial strength rating||Limited policy add-on features|
|Numerous discounts available||Does not offer gap insurance|
USAA offers policy options for current members of the military, veterans and immediate family of servicemembers. If you meet the eligibility requirements, you will find USAA offers policy coverage options and discounts specifically geared towards military families, although the number of endorsements available are more limited compared to other carriers. USAA consistently ranks high with J.D. Power for customer service satisfaction ratings, including the highest score in the New York region for the 2022 J.D. Power Score, although it should be noted the company is not officially eligible for ranking with J.D. Power due to its eligibility requirements.
Learn more: USAA Insurance review
|Consistently high customer service ratings from J.D. Power||Must meet membership requirements|
|Numerous discounts available||Limited endorsements|
State Farm not only provides several coverage options, but the possible discounts are equally numerous. As the largest provider of auto insurance in the United States, State Farm works with a variety of vehicles and budgets. Plus, the mobile app offers additional convenience, allowing you to purchase a policy, add on coverages, submit claims or summon roadside assistance. Drivers in Brooklyn should also note State Farm does not offer gap insurance, although it does have Payoff Protector (which is similar), but only for drivers financed through State Farm Bank.
Learn more: State Farm Insurance Review
|Multiple customer service options||Gap insurance not available|
|Complete policy management in app or online||Did not offer the cheapest car insurance rates in Brooklyn on our list|
How to get and keep the cheapest car insurance in Brooklyn
Finding cheap car insurance rates in Brooklyn can be challenging and once you do find them, maintaining them can be another challenge. Even still, it is possible for most to find relatively affordable premiums. You may want to consider regularly updating your policy as your personal circumstances (such as a change of address, marriage or having children) change.
- Shop around. Getting multiple quotes from providers is a fantastic way to easily see how variable the rates are from one provider to another. Getting multiple quotes helps you choose the provider that is best for your budget and provides the coverage options most suited for your needs.
- Keep a clean driving record. Staying accident-free and maintaining a clean driving record keeps you safer on the road and may save you money. Many carriers offer discounts and incentives to drivers who are free from moving violations or at-fault accidents. You may also qualify for lower rates by enrolling in a telematics program where your safe driving habits are recorded and, if you qualify, you are rewarded with better rates.
Frequently asked questions
There are several factors to consider when you are trying to find the best car insurance company in Brooklyn. Considerations such as customer service ratings, financial stability, digital assets, coverage options and discounts are all important, and may weigh differently for different people. Obtaining several quotes from different companies may be the best way to find the best car insurance for you.
Brooklyn has an extremely high population density, with currently around 3.6 million licensed drivers in New York City. With the higher population, there is an increased likelihood of accidents, crime and other risk-factors impacting car insurance. The increase in population puts pressure on car insurance rates, which is likely one of the main reasons why rates are well-above the national average.
Drivers in Brooklyn must carry a minimum of 25/50/10 personal liability and statutory uninsured motorist liability coverage, plus $50,000 in personal injury protection (PIP) to legally drive. However, drivers may want to consider adding other coverages, such as greater liability protection, for more robust financial protection. If you lease or finance a vehicle, the lender may require additional coverage as well, such as collision, comprehensive and gap insurance.
Bankrate utilizes Quadrant Information Services to analyze 2022 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 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 2020 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.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2020 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.