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How much is car insurance in Brooklyn?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $11 a month more expensive to insure your vehicle in Brooklyn than it is in the rest of Maryland.
If you're considering relocating to Brooklyn from out of state, you may want to budget a little extra for your insurance. It's about $51 more for coverage in Brooklyn than in the rest of the U.S.
While these are the average car insurance rates for Brooklyn, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've analyzed the average rate for Brooklyn and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates begin to go back up in Brooklyn.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Brooklyn, where female drivers pay around $6 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Brooklyn with a single accident on their record is about $182 a month.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$116|
|15 Years or Older||$120|
In terms of affordable coverage, the cheapest vehicles to insure in Brooklyn are by and large SUVs, at $113 per month.
Truck and van drivers will see rates of about $117 for car insurance, while car owners typically pay around $137 a month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Brooklyn are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$140|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Brooklyn, with married couples paying about $29 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$158|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $38 a month more than drivers who own property in Brooklyn. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Brooklyn, MD
Recent trends in car insurance for Brooklyn drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Brooklyn dropped from 2016-2017, when they hit a low of $110. This changed in 2018, when rates started to rise. They reached a high of $187 in 2020, and finished down in 2021, at $185 per month.
How does Brooklyn compare to neighboring areas?
Why are car insurance rates in Brooklyn different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Total drivers
- Off-street parking availability
- Regional crime rates
- Road Safety (frequency of local car accidents)
- Area laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Brooklyn?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Brooklyn.
Brooklyn Insurance FAQs
What factors affect car insurance quotes in Brooklyn?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Brooklyn different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Brooklyn?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Brooklyn?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Brooklyn or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.