Cheapest Car Insurance In Brooklyn, NY 2026
Kemper offers the cheapest liability-only car insurance in Brooklyn, with an average rate of $216 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Brooklyn, NY, the options can vary greatly.
For those seeking the cheapest liability-only coverage, Kemper emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that Kemper offers the best rates for full coverage policies. While Kemper offers the cheapest car insurance rates for young drivers.
Key Takeaways
Brooklyn’s cheapest liability-only car insurance company is Kemper.
Car insurance in Brooklyn costs an average of $177 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Brooklyn – Kemper
Kemper is the cheapest car insurance company for minimum coverage car insurance in Brooklyn, with an average monthly cost of $216.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $227 | $2,724 |
| Kemper | $216 | $2,592 |
| Liberty Mutual | $233 | $2,796 |
| Progressive | $228 | $2,736 |
| State Farm | $221 | $2,652 |
Cheapest Full Coverage Insurance In Brooklyn – Kemper
Kemper has the cheapest car insurance rates for full coverage. Their quotes average $217 a month in Brooklyn.
The table below compares average auto insurance quotes from affordable insurers in Brooklyn.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $223 | $2,676 |
| Kemper | $217 | $2,604 |
| Liberty Mutual | $231 | $2,772 |
| Progressive | $227 | $2,724 |
| State Farm | $220 | $2,640 |
Cheapest Car Insurance For Senior Drivers – Kemper
Kemper offers the cheapest car insurance policy for seniors in Brooklyn, at an average rate of $214 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $226 | $2,712 |
| GEICO | $220 | $2,640 |
| Kemper | $214 | $2,568 |
| Liberty Mutual | $232 | $2,784 |
| State Farm | $222 | $2,664 |
Cheapest Car Insurance In Brooklyn For Teenagers – Kemper
Teenage drivers in Brooklyn can find the cheapest quotes from Kemper, with average monthly premiums of $286.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $315 | $3,780 |
| GEICO | $302 | $3,624 |
| Kemper | $286 | $3,432 |
| Progressive | $326 | $3,912 |
| State Farm | $309 | $3,708 |
Find Affordable Brooklyn Rates
Cheapest Car Insurance In Brooklyn After A Speeding Ticket – Kemper
Kemper offers the cheapest car insurance in Brooklyn, with average rates of $211 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $219 | $2,628 |
| Kemper | $211 | $2,532 |
| Liberty Mutual | $226 | $2,712 |
| Progressive | $222 | $2,664 |
| State Farm | $214 | $2,568 |
Cheapest For Drivers With After At-Fault Accident – Kemper
Kemper offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $213 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $226 | $2,712 |
| Kemper | $213 | $2,556 |
| Liberty Mutual | $238 | $2,856 |
| Progressive | $247 | $2,964 |
| State Farm | $222 | $2,664 |
Cheapest Rates In Brooklyn For Drivers After A DUI – Safeco
Safeco offers the cheapest rates for drivers after a DUI in Brooklyn, with average monthly premiums of $226.
Drivers in Brooklyn with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $247 | $2,964 |
| Kemper | $234 | $2,808 |
| Progressive | $254 | $3,048 |
| Safeco | $226 | $2,712 |
| State Farm | $241 | $2,892 |
Best Car Insurance Companies In Brooklyn
Drivers in Brooklyn can find the most affordable insurance with USAA for $211 a month. Brooklyn drivers might want to also consider Kemper at $217 a month, or GEICO at $228 per month.
Shown below are the top 10 car insurance companies in Brooklyn, NY, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $266 |
| Erie Insurance | $241 |
| GEICO | $228 |
| Kemper | $217 |
| Liberty Mutual | $273 |
| MetLife | $249 |
| Nationwide | $237 |
| Progressive | $246 |
| State Farm | $233 |
| USAA | $211 |
Average Car Insurance Cost In Brooklyn
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Brooklyn is $177 per month, compared to the New York state average of $177, and the national average of $158 per month.
| Area | Average Monthly Rate |
| National | $158 |
| New York | $177 |
| Brooklyn | $177 |
Average Auto Insurance Rates In Brooklyn – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $7,345 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $7,345 |
| 20s | $3,629 |
| 30s | $3,279 |
| 40s | $3,114 |
| 50s | $2,957 |
| 60s | $2,847 |
| 70s | $3,022 |
Average Car Insurance Rates In Brooklyn – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Brooklyn for different vehicles.
| Vehicle | Average Monthly Rate |
| Audi A6 | $274 |
| Chevrolet Suburban | $287 |
| Honda Odyssey | $254 |
| Hyundai Ioniq | $266 |
| Nissan Leaf | $249 |
Find Affordable Brooklyn Rates
Average Cost Of Auto Insurance In Brooklyn – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Brooklyn.
| Zip Code | Average Monthly Rate |
| 11226 | $327 |
| 11201 | $314 |
| 11207 | $338 |
| 11215 | $307 |
| 11211 | $321 |
How Much Is Car Insurance In Other Cities In New York?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in Buffalo can expect to pay around $126 per month for car insurance, while residents of New York City pay an average rate of $152 per month.
| City | Average Monthly Rate |
| Buffalo | $126 |
| Binghamton | $147 |
| New York City | $152 |
| Rochester | $133 |
| Schenectady | $130 |
| Staten Island | $144 |
| Syracuse | $132 |
FAQs
Who has the lowest car insurance rates in Brooklyn?
The lowest car insurance rates in Brooklyn are offered by Kemper for the minimum coverage required by the State of New York and Kemper for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Brooklyn?
The average cost of car insurance in Brooklyn is about $177 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Brooklyn, NY.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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