Brooklyn, NY is home to many world-famous attractions: Coney Island, the Brooklyn Bridge, classic brownstones, Prospect Park-- the list goes on. Even though Brooklyn is one of the five boroughs of New York City, it has a culture all its own. In fact, Brooklyn is so large, that if it were its own city, it would be the fourth largest city in the country. Despite an extensive subway system, many Brooklyn, NYC drivers still need affordable car insurance, and shouldn’t overpay for it.
Average Brooklyn Car Insurance Rates
How much is car insurance in Brooklyn, NY? Residents shouldn't be surprised to learn that insurance here is expensive. Average car insurance rates in Brooklyn are significantly higher than the national average.
The average cost of car insurance in Brooklyn is $1,944.46 a year for men and $2,162.53 for women. This is about double the $1,205.03 per year paid for average auto insurance in New York. The national average annual cost is $866.31.
How much you pay may vary depending multiple factors including: your driving record and the number of claims filed in your zip code.
| Coverage | Men | Women |
|---|---|---|
| Liability | $1,368.76 | $1,568.09 |
| Collision | $464.41 | $481.75 |
| Comprehensive | $111.29 | $112.69 |
| Total Cost Per Year | $1,944.46 | $2,162.53 |
| Price Per Month | $162.04 | $180.21 |
| Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in Brooklyn, NY owning a 2010 Honda Accord. Our rate profiles include currently insured males and females, with a clean driving record and drive less than 10,000 annual miles. Coverage includes New York state liability minimum of $25,000/$50,000/$10,000 and 25/50/10 underinsured motorist coverage with $50,000 personal injury protection and a $500 comprehensive and collision deductible. | ||
QuoteWizard helps consumers compare insurance quotes from both national companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Brooklyn and save up to 40% on your premium.
Last year, 24,796 people used QuoteWizard to compare auto insurance quotesin Brooklyn, NY from multiple companies, and find the cheapest rates.
Top 10 Vehicles in Brooklyn
This is our list of the most common car makes and models owned by Brooklyn, NY drivers that used QuoteWizard last year.
- Honda Accord EX/LX
- Nissan Maxima GLE/GXE/SE
- Nissan Altima 2.5 S
- Acura MDX
- Honda CR-V EX
- Toyota Camry LE/XLE/SE
- Honda Civic EX
- Honda Odyssey EX
- Jeep Grand Cherokee Laredo
- Hyundai Sonata
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Best Car Insurance Companies in Brooklyn
These are the most common car insurance companies reported by QuoteWizard users living in Brooklyn last year.
- Geico
- Allstate
- Progressive
- State Farm
- Liberty Mutual
- AIG
- Nationwide
- Esurance
- Farmers
- AAA
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Other popular Brooklyn car insurance companies: Country Financial, 21st Century, MetLife, USAA, American Family, Travelers, Hartford, Safeco, and New York Farm Bureau.
Brooklyn Drivers
According to a recent report published by Allstate Insurance when it comes to safe driving, Brooklyn drivers are much worse than average. Brooklyn ranked 151st out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 7.7 years, 29 percent higher than the national average.
Driving Conditions
Some of the factors affecting insurance rates are the driving conditions including weather, road repair, and traffic congestion.
Weather
You might be surprised to learn that a city as far north as Brooklyn has a humid subtropical climate. Despite cold winters and the occasional, and sometimes powerful, winter storms and nor'easters, the summers are hot and humid. It rains throughout the year, with rainfall averaging 49.9 inches. Between the rain, snow, and ice local roads can be slick year-round.
Road Conditions
According to a recent study by TRIP, 43% of the major roads in Brooklyn are in poor condition and 30% are mediocre. These poorly maintained, pothole-filled streets costs drivers $694 annually in extra vehicle operating costs.
Traffic Congestion
According to TomTom's annual traffic index report, Brooklyn has the third worst traffic congestion in the United States. The average commuter spends an additional 33 minutes per hour stuck in traffic during peak commute times and 128 hours a year for commutes of 30 minutes.
Moving Violations
Moving violations like drunk driving, at-fault accidents, running stop signs, and speeding will give you a bad driving record and could flag you as a high-risk driver. This will make your car insurance very expensive.
Traffic Tickets
The State of New York DMV website allows you to pay non-criminal traffic citations, tells drivers how to request a hearing to contest a ticket, and provides helpful traffic court information.
Red Light Cameras
Brooklyn has numerous intersections equipped with red light cameras. This website lists them, and this web page includes information about New York City's red light camera program and provides instructions on how to pay or fight your automated red light ticket.
SR-22 DWI Insurance
A DWI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from local agents and top companies that specialize in Brooklyn DWI insurance.
Vehicle Theft
Brooklyn reported 2,188 vehicle thefts in 2014. This is a rate of .83 per 1,000 residents. This is well below the national average of 2.16 per 1,000.
Legal Minimum Insurance Requirement
Brooklyn, New York has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least the following three components:
- Individual Bodily Injury Liability (BIL): $25,000.
The maximum your insurance company will pay for an individual person injured in a car accident. - Total Bodily Injury Liability: $50,000.
The most your carrier will pay in total for every person injured in a car accident. - Property Damage Liability (PDL): $10,000.
The max your insurer will pay for property damage caused by a car accident.
New York is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their own insurance companies, regardless of whether the other party is insured. Liability coverage pays for other peoples’ medical and repair bills if you cause a car accident. Personal Injury Protection coverage pays for your medical expenses after an accident, regardless of who was at fault.
The policy must be in the name of the vehicle's registered owner and the coverage must remain in effect as long as the registration is valid even if you don't use the vehicle.
Save With Car Insurance Discounts
Are you looking for cheap car insurance? Discounts are a great way to lower your rates. Below are some of the many auto insurance discounts available to drivers in Brooklyn, NYC. Get a quote and out which discounts you may qualify for with your current or multiple insurance carriers.
- If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
- Are you married or getting married soon? Make sure you ask about the married discount
- Maintain at least a B grade point average in school to qualify for the good student discount
- Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
- Safe driver. If you have a perfect driving record you may qualify for the accident free discount
- Live in a safe zip code with low crime. People that live in zip code with high crime and more than its fair share of accidents pay higher rates even if they have a good driving history
- Drive less. Live close to work and get the low mileage discount
- Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
- Take a defensive driving course from an accredited driving safety school
- Shop around and compare low-cost Brooklyn auto insurance quotes and see all the discounts you qualify for
Sources:
New York State DMV - Tickets Received in New York
Mean Streets 2014 - WNYC
Brooklyn Crime Rates
National Highway Traffic Safety Administration
Brooklyn - Wikipedia
New York City Transportation Issues
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