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.
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 |
Find affordable Brooklyn rates
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 |
Find affordable Brooklyn rates
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.
Quotes Analyzed
Brands Reviewed
Years Of Experience
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.