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How much is car insurance in Brooklyn?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Brooklyn are about $64 a month more expensive than the rest of New York.
Similarly, Brooklyn residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment for the rest of the U.S. is about is about $182 cheaper than it is 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 numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Brooklyn and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Brooklyn.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Brooklyn, male drivers pay about $19 more a month. Based on the chart above, you can see that male drivers pay $267 on average, while female drivers typically pay $248 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Brooklyn with a single accident on their record will usually see rates around $309 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $256 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$257|
|15 Years or Older||$246|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Brooklyn, with drivers paying around $223 per month for auto insurance.
SUV drivers will see rates of about $228 for auto insurance, while car owners usually pay around $283 per month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. In Brooklyn, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$274|
Generally, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Brooklyn can be as much as $72 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$243|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $10 a month more than those who own their own home in Brooklyn. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Brooklyn, NY
Recent trends in car insurance for Brooklyn drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Brooklyn, the rates for car insurance declined from 2017-2018, when they reached a low of $164. This shifted in 2019, when rates began to increase. They hit a high of $317 in 2021, and finished at $220 in 2022.
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 a monthly rate, car insurance companies will consider a variety of factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking availability
- Rate of crime
- Total amount of drivers in the community
- Local laws
- Road safety
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
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. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Brooklyn.
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Brooklyn Insurance FAQs
What factors affect car insurance quotes in Brooklyn?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, 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?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Brooklyn?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Brooklyn or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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