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How much is car insurance in Brooklyn?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Brooklyn are about $5 a month more expensive than the rest of Maryland.
Compared to the national average cost of auto coverage, Brooklyn has higher rates. You can expect to pay about $46 more for your policy in Brooklyn.
While these are the average costs to insure your vehicle in Brooklyn, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've broken down average rates for Brooklyn to help you understand what your policy's monthly premium will cost. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement age 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 $4 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Brooklyn with one accident will pay around $183 a month. Similarly, drivers with one ticket will typically pay around $146 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$116|
|15 Years or Older||$116|
The cheapest vehicles to insure in Brooklyn are usually trucks and vans, with each type typically costing about $108 per month.
Car owners will see a monthly premium of about $133, while SUV owners by and large pay around $120 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Brooklyn, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$136|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Brooklyn, with married couples paying about $32 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 housing situation. In Brooklyn, homeowners can expect to pay around $33 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Brooklyn, MD
Recent trends in car insurance for Brooklyn drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The rates for car insurance in Brooklyn went up from 2017-2020, when they hit a high of $187. This pattern leveled out in 2021, when they began to decrease, and have continued on that path through the present, where insurance rates finished at $106 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 coverage, car insurance companies will review a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of drivers
- General road safety (how many accidents each locality has)
- Amount of off-street parking
- Local laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Brooklyn?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Brooklyn.
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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 driving record, credit score, address, and marital status.
Why is the cost of car insurance in Brooklyn different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Brooklyn?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Brooklyn?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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.
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