Best Car Insurance Rates in Brooklyn, NY | QuoteWizard

Compare Auto Insurance in Brooklyn

Brooklyn, NY is home to many world-famous attractions : Coney Island, the Brooklyn Bridge, authoritative brownstones, and Prospect Park. even though Brooklyn is one of the five boroughs of New York City, it has a culture all its own. Brooklyn is so large, that if it were its own city, it would be the nation ‘s one-fourth largest city. Despite an across-the-board metro system, many Brooklyn, NYC drivers placid need low-cost car indemnity, and shouldn ’ metric ton overpay for it .

Average Brooklyn Car Insurance Rates

How much is car policy in Brooklyn, NY ? Residents should n’t be surprised to learn that indemnity hera is expensive. The average cost of car indemnity in Brooklyn is $ 1,944.46 a year for men and $ 2,162.53 for women. The average price of car indemnity in New York is $ 1,234.84 per year. The national average cost is $ 889.01 .
Prices may vary depending multiple factors including : your drive commemorate and the number of claims filed in your travel rapidly code .

Brooklyn, NYC Average Annual Car Insurance Rates
Coverage Men Women
Liability $1,368.76 $1,568.09
Collision $464.41 $481.75
Comprehensive $111.29 $112.69
Total Cost Per Year $1,944.46 $2,162.53
Price Per Month $162.04 $180.21
These average rates are based on our sample quote data. 1

The graph below shows the change in average New York indemnity rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car indemnity rates increased from $ 1,111 in 2011 to $ 1,234 in 2015, a jump of $ 123, or 11.12 percentage.

New York average car insurance rates
QuoteWizard helps consumers compare insurance quotes from both national companies and local agents. Comparing quotes can help you find brassy car indemnity rates near Brooklyn, New York. You could save up to 40 % on your premium .
last year, 24,796 people used QuoteWizard to compare car indemnity quotes in Brooklyn, NY from multiple companies to get the cheapest rates .

Best Car Insurance Companies in Brooklyn, NY

These are the most common car indemnity companies reported by QuoteWizard users near Brooklyn, New York last year .
other popular Brooklyn, NY cable car insurance companies : Country Financial, 21st Century, MetLife, USAA, American Family, and New York Farm Bureau .

Top 10 Vehicles

These are the most coarse car makes and models owned by Brooklyn, NY drivers that used QuoteWizard last year .

  1. Honda Accord EX/LX
  2. Nissan Maxima GLE/GXE/SE
  3. Nissan Altima 2.5 S
  4. Acura MDX
  5. Honda CR-V EX
  6. Toyota Camry LE/XLE/SE
  7. Honda Civic EX
  8. Honda Odyssey EX
  9. Jeep Grand Cherokee Laredo
  10. Hyundai Sonata

Minimum Car Insurance Requirements in Brooklyn, NY

Brooklyn, New York has a minimal coverage prerequisite known as the 25/50/10 rule. Each driver ‘s policy must include :

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount your insurer pays for a person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurance company pays for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurance carrier pays for property damage caused by a car accident.

Recommended Coverage Levels

It ‘s not a great estimate to buy only legal minimal coverage. While it costs less, minimal coverage becomes more expensive if you file a claim. Why ? minimal coverage does not include comprehensive or collision coverage. Plus, it ‘s easy to exceed minimum coverage levels after an accident .
With that in heed, we recommend that Brooklyn drivers buy the postdate coverage :

  • Individual Body Injury Liability: $100,000
  • Total Bodily Injury Liability: $300,000
  • Property Damage Liability: $100,000
Cheapest Brooklyn Zip Codes/Neighborhoods
Zip Code Monthly Rates Annual Rates
11209 – Bay Ridge $214 $2,570
11201 – Brooklyn Heights / DUMBO $216 $2,586
11231 – Red Hook / Carroll Gardens $216 $2,586
11220 – Sunset Park $216 $2,596
11228 -Dyker Heights $218 $2,620
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. 2
Most Expensive Brooklyn Zip Codes/Neighborhoods
Zip Code Monthly Rates Annual Rates
11212 – Brownsville $293 $3,516
11207 – East New York $289 $3,466
11233 -Crown Heights $289 $3,466
11213 – Crown Heights $287 $3,446
11225 – Lefferts Garden $287 $3,406
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. 2

Brooklyn Drivers

A holocene report by Allstate Insurance says, Brooklyn drivers are much worse than average. Brooklyn ranked 116th out of 200 cities. While most US drivers go ten years without having an accident, drivers hera are involved in crashes every 8.3 years .

Driving Conditions

The weather, driving, and road conditions strongly influence insurance rates. Areas with bad driving conditions often report more accidents, leading to rising insurance rates.

Weather

You might be surprised to learn that a city as far north as Brooklyn has a humid subtropical climate. Despite cold winters and the periodic, and sometimes herculean, winter storms and nor’easters, the summers are hot and humid. It rains throughout the class, with rain averaging 49.9 inches. Between the rain, snow, and ice local roads can be slick year-round .

Road Conditions

A holocene study by TRIP shows that 46 percentage of the major roads in Brooklyn are in inadequate condition. Another 23 percentage of the roads are mediocre. These ailing maintained, pothole-filled streets costs drivers $ 719 per annum in extra vehicle operate costs .

Traffic Congestion

TomTom ‘s annual dealings exponent report says Brooklyn has the 49th worst traffic congestion in the world The average commuter spends an extra 34 minutes per day stuck in traffic during extremum commute times. And 129 hours a year for commutes of 30 minutes .

Moving Violations

Moving violations like drunk drive, accidents, and speeding can make your policy caller change your status to “ non-standard. ” They can even force you to purchase leverage car insurance policy designed for bad drivers. This will make your premium very expensive. Driver ‘s with lots of points on their driver ‘s license about always end up needing bad policies .

Traffic Tickets

The State of New York DMV web site allows you to pay non-criminal traffic citations. It besides tells drivers how to request a hearing to contest a ticket .

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 phase. Get a quote and compare rates from local agents and exceed companies that specialize in Brooklyn DWI policy .

Car Accident Statistics

Brooklyn officials reported 23,443 car accidents in 2017 resulting in 15,537 injuries and 56 fatalities .
All traffic deaths are a tragic loss, and considering the estimated population of 2,648,771, Brooklyn is a safe city in terms of traffic fatalities per caput .

Vehicle Theft

Brooklyn reported 1,627 vehicle thefts in 2017. This is a rate of .0.61 thefts per 1,000 residents. This is well below the national average of 2.37 car thefts per 1,000 people .

Car Insurance Discounts

Are you looking for more low-cost cable car indemnity ? Discounts are a great way to lower your rates. Below are some of the many discounts available to drivers in Brooklyn, NYC .

Rate Methodology

1 We compared rates from three different indemnity companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean drive phonograph record and drive less than 10,000 annual miles. coverage includes state indebtedness minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies besides include $ 10,000 personal wound protection and a $ 500 comprehensive and collision deductible.

2 Auto insurance rate data was provided by Quadrant Information Services. Rates are based on a driver profile of a 35-year-old, owning a 2015 Toyota Camry, drives less than 10,000 annual miles, adept credit, clean record, and state minimum indebtedness of 25/50/10. Rates are an average of the top 10 policy companies in the state of New York .

Sources:

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