Cheapest Car Insurance In Brooklyn, NY 2025

Kemper is the most cost-effective option for minimum coverage car insurance in Brooklyn, with an average monthly rate of $124.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 04 February 2025
Written by Bob Phillips
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The cost of car insurance in Brooklyn, NY, can be all over the place when searching for the most affordable deal.

Those looking for the cheapest liability-only policy should consider Kemper, while Progressive delivers the best full coverage deals. Young drivers, meanwhile, will also save the most with Kemper.

Cheapest Car Insurance Companies In Brooklyn, NY 2025

Cheapest Full Coverage Insurance Rates In Brooklyn: Progressive

Progressive leads in affordability for full coverage car insurance in Brooklyn, with an average cost of $167 per month.

Review the table below to compare average auto insurance costs from Brooklyn’s most affordable providers.

Provider Average Monthly Cost Average Annual Cost
Progressive $167 $2,004
GEICO $280 $3,360
State Farm $323 $3,876
American Family $258 $3,096
Chubb $436 $5,232

Cheapest Car Insurance Rates For Seniors: Progressive

Progressive leads in affordability for senior car insurance in Brooklyn, offering rates as low as $191 per month.

This chart presents a side-by-side comparison of average auto insurance quotes from budget-friendly providers for seniors.

Provider Average Monthly Cost Average Annual Cost
Progressive $191 $2,292
Allstate $296 $3,552
State Farm $352 $4,224
American Family $309 $3,708
Travelers $492 $5,904

Cheapest Liability-only Car Insurance In Brooklyn: Kemper

For Brooklyn drivers seeking cheap minimum coverage, Kemper provides the best deal at just $124 per month.

Check out the table below for an overview of insurance rates across different providers.

Provider Average Monthly Cost Average Annual Cost
Kemper $124 $1,488
Allstate $193 $2,316
State Farm $317 $3,804
Progressive $137 $1,644
Travelers $380 $4,560

Cheapest Auto Insurance For Young Adults in Brooklyn: Kemper

The most budget-friendly car insurance for young adults in Brooklyn comes from Kemper, with average rates of $154 per month.

Check out the table below to compare Brooklyn’s cheapest car insurance options for young adults.

Provider Average Monthly Cost Average Annual Cost
Kemper $154 $1,848
Allstate $252 $3,024
State Farm $377 $4,524
American Family $360 $4,320
Chubb $700 $8,400

Cheapest Rates In Brooklyn For Teenagers: Travelers

In Brooklyn, teens can find the best car insurance deals with Travelers, which costs an average of $440 per month.

The following chart lists the providers offering the lowest insurance costs for teenagers.

Provider Average Monthly Cost Average Annual Cost
Travelers $440 $5,280
State Farm $776 $9,312
Allstate $647 $7,764
GEICO $740 $8,880
Progressive $470 $5,640

Cheapest Car Insurance In Brooklyn For Good Drivers: Kemper

Good drivers in Brooklyn can get car insurance from Kemper at the lowest rates, averaging $124 per month.

The table below shows the average quotes from the most affordable insurance providers for good drivers.

Provider Average Monthly Cost Average Annual Cost
Kemper $124 $1,488
Allstate $193 $2,316
State Farm $317 $3,804
Progressive $137 $1,644
Travelers $380 $4,560

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Cheapest Car Insurance In Brooklyn After A Speeding Ticket: Kemper

If you have a speeding ticket on your record, State Farm offers the cheapest car insurance in Brooklyn, with an average monthly premium of $142.

Below is a table comparing the average car insurance premiums for drivers with a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
Kemper $142 $1,704
GEICO $307 $3,684
American Family $268 $3,216
State Farm $360 $4,320
Chubb $421 $5,052

Cheapest For Drivers With After At-Fault Accident: Kemper

For drivers with an at-fault accident, Kemper provides the most cost-effective car insurance, with an average rate of $162 per month.

Below are the insurance companies that provide the lowest-priced car insurance for drivers with an at-fault accident.

Provider Average Monthly Cost Average Annual Cost
Kemper $162 $1,944
Allstate $230 $2,760
GEICO $307 $3,684
American Family $350 $4,200
State Farm $360 $4,320

Cheapest Rates In Brooklyn For Drivers After A DUI: Progressive

If you’ve had a DUI, Progressive offers the lowest rates in Brooklyn, with an average premium of $171 a month.

The table below highlights the lowest-priced car insurance rates for Brooklyn drivers with a DUI.

Provider Average Monthly Cost Average Annual Cost
Progressive $171 $2,052
State Farm $360 $4,320
Erie $416 $4,992
American Family $334 $4,008
Travelers $478 $5,736

Best Car Insurance Companies In Brooklyn

In Brooklyn, Kemper provides the cheapest car insurance at $124 per month, with Progressive and Allstate offering rates of $137 and $193 a month, respectively.

Below is a ranking of the top 10 car insurance providers in Brooklyn, NY, based on their average monthly rates.

Company Monthly Premium
Kemper $124
Allstate $193
State Farm $317
Progressive $137
Travelers $380
GEICO $260
Safeco $310
Liberty Mutual $566
CSAA $520

Average Rates In Brooklyn – By Vehicle

Your car’s make, model, year, and body type are important factors that influence your insurance rates. Generally, newer vehicles, especially luxury ones with advanced technology and higher replacement costs, result in higher premiums.

Below, you can find the average car insurance rates in Brooklyn based on different vehicles.

Vehicle Average Monthly Rate
Toyota Highlander $242
Nissan Altima $143
Bmw 228xi $487
Chevrolet Blazer $52
Kia Optima $98

Average Cost Of Auto Insurance In Brooklyn – By Zip Code

The crime rates in your zip code help insurers set car insurance rates, so premiums can vary depending on where you live.

You can refer to the table below for the average insurance rates in Brooklyn’s different zip codes.

Zip Code Average Monthly Rate
11233 $340
11225 $336
11216 $334
11212 $403
11207 $336

How Much Is Car Insurance In Other Cities in New York?

The city you live in has a strong influence on your car insurance rates. Insurers look at accident rates, theft, and vandalism, which are generally more common in urban areas, raising your premiums.

To illustrate, car insurance costs in Jamaica are around $442 per month, whereas in Elmira, the average monthly premium is $137.

City Average Monthly Rate
Rochester $156
Albany $155
New York $378
Bronxville $243
Jamaica $442
Alder Creek $146
Great Neck $306
Buffalo $220
Flushing $395
Elmira $137

Average Auto Insurance Rates In Brooklyn – By Age

When it comes to car insurance, age is a key factor in pricing. Younger drivers tend to pay more because of their inexperience and higher likelihood of accidents or violations. Teenagers can expect to pay around $3,869 per year.

By the time drivers reach 25, their insurance premiums typically start to go down, provided their driving record is free of accidents and violations.

Insurance companies often offer the best rates to drivers in their 50s and early 60s, using age to measure experience and risk, which influences how much they pay.

Age Average Yearly Rate
Teenagers $3,869
20s $2,828
30s $2,814
40s $2,663
50s $2,886
60s $2,431
70s $3,694

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Our Methodology

Drawing from a wide-ranging analysis of factors like customer service, pricing, product variety, and reviews from several online sources, I’ve created a comprehensive outlook on car insurance in Brooklyn, NY.

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Quotes Analyzed

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Brands Reviewed

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Years Of Experience

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Research Hours

FAQs

Who has the lowest car insurance rates in Brooklyn?

Kemper offers the cheapest car insurance for the minimum required coverage in Brooklyn, while Progressive provides the lowest rates for full coverage, which includes both collision and comprehensive coverage.

What is the average cost of car insurance in Brooklyn?

Car insurance in Brooklyn typically costs around $190 per month, but your premiums may fluctuate based on your zip code, car specifications, and driving history.

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