You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout liveliness ’ s fiscal travel. Bankrate ’ s column team writes on behalf of YOU – the reviewer. Our goal is to give you the best advice to help you make bright personal finance decisions. We follow rigid guidelines to ensure that our editorial message is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. sol, whether you ’ re reading an article or a follow-up, you can trust that you ’ re getting credible and dependable data. We value your trust. Our deputation is to provide readers with accurate and indifferent information, and we have editorial standards in position to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the data you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a rigorous column policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the mighty fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — then you can feel confident about which provider is correct for you. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ re putting your interests first. All of our subject is authored by highly dependent professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a retentive track record of helping people make chic fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making action and giving people assurance in which actions to take next. While we adhere to strict editorial integrity, this post may contain references to products from our partners. hera ‘s an explanation for how we make money. This contentedness is powered by HomeInsurance.com ( NPN : 8781838 ). For more data, please see our Insurance disclosure. Auto policy premiums in Brooklyn are some of the costly in the United States, but this does not make it impossible to find the best, cheap rates. With drivers in Brooklyn paying an modal price of $ 2,970 per annum for minimum coverage, and $ 6,188 for broad, finding multiple ways to save is advantageous for drivers and their wallets. Bankrate reviewed several carriers to find which ones offer the cheapest policy rates in Brooklyn while besides offering high customer service ratings and other advantages for drivers .
Best car insurance companies in Brooklyn
The best car policy companies in Brooklyn not entirely offer competitive rates for minimal or fully coverage, but the carriers besides receive impressive customer satisfaction ratings in the 2020 U.S. Auto Insurance Study for Customer Satisfaction in the New York region. Some of these carriers, such as Geico and State Farm, offer digital tools — such as a highly rated mobile app — to make policy management and claims filing vitamin a easy as possible.
*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions
Geico
Geico has been insuring drivers for over 75 years, and now offers a complete lineup of coverage options and discounts for drivers of all ages. not alone does Geico score high on the customer satisfaction ratings with J.D. Power, but the fiscal ratings are equally impressive. Geico scores the highest A++ possible with AM Best and earns an AA+ rate with Standard & Poors – both indicating the highest charge of fiscal strength and stability .
USAA
USAA offers policy options for stream members of the military, veterans and immediate syndicate of servicemembers. If you meet the eligibility requirements, you will find USAA offers numerous policy coverage options and discounts, specifically geared towards military families. USAA systematically ranks high with customer serve satisfaction ratings, including the highest score in the New York region for the 2020 J.D. Power Score .
State Farm
State Farm not merely provides a wide range of coverage options, but the possible discounts are evenly numerous. As the largest provider of car policy in the United States, State Farm works with a assortment of vehicles and budgets. Plus, the mobile app offers extra appliance, allowing you to purchase a policy, add on coverages, resign claims or muster wayside aid .
New York Central Mutual
New York Central Mutual, or NYCM, is another car policy carrier with high ratings with the 2020 J.D. Power score. In addition to potent customer service, NYCM offers a fully crop of policy coverage options, including wayside aid. Plus, NYCM offers a long list of possible discounts, such as Defensive Driving, guard equipment and good grades to name a few. The A+ fink with AM Best confirms the fiscal strength of the company excessively .
Cheapest car insurance in Brooklyn
As mentioned, the average rates in Brooklyn are $ 2,970 annually for minimum coverage, and $ 6,188 per annum for wide coverage, which is much higher than the average price of cable car policy overall in the state of matter of New York. In general, New York drivers average $ 1,062 per year for minimal policy, and $ 2,321 for full moon – which are besides some of the highest rates among all the states. Car policy in Brooklyn is besides higher compared to the integral U.S., where the averages are $ 625 for minimal coverage and $ 1,674 for full. Bankrate reviewed respective local and national carriers to find ones offering the cheapest indemnity rates in Brooklyn. Progressive offers some of the least expensive rates among the major carriers, but ranks concluding in the 2020 J.D. Power survey for drivers in New York. Geico offers competitive rates, a well as numerous discounts and coverage options. If you prefer the agentive role network model, Erie offers less expensive rates and relies on a net of over 13,000 agents for the optimum customer avail have .
| Insurance Company | Average Annual Premium for Minimum Coverage | Average Annual Premium for Full Coverage |
|---|---|---|
| Progressive | $1,642 | $2,416 |
| Geico | $2,103 | $3,830 |
| Erie | $2,160 | $4,217 |
| USAA | $2,116 | $4,772 |
| Allstate | $3,364 | $5,665 |
Brooklyn insurance requirements
Drivers in Brooklyn are required to carry minimum liability indemnity, including :
- $10,000 for property damage for a single accident
- $25,000 for bodily injury and $50,000 for death for a person involved in an accident
- $50,000 for bodily injury and $100,000 for death for two or more people in an accident
New York is considered a “ no-fault ” state of matter. This means all drivers in the state of New York must file a call with their car indemnity provider after an accident, no matter which party is ruled at blame.
only purchasing the minimum could put you in a fiscal hazard and extra coverage may be required if you do not instantaneously own your car. For case, most lenders not merely require you to add comprehensive examination and collision coverage if you lease or finance your car, but numerous lenders besides require you to purchase break insurance besides .
Car insurance discounts in Brooklyn
Since cable car policy in Brooklyn costs well-above the national average, finding the best cable car policy discounts can help offset share of the higher coverage costs. fortunately, there are numerous discounts available for drivers in Brooklyn, including :
- Safety equipment: If your vehicle is equipped with enhanced safety features such as anti-lock brakes, airbags, an anti-theft system and regular seatbelt use, then you may qualify for additional discounts.
- New car discount: If you drive a newer car, you may be eligible for a new car discount.
- Safe driver: If you agree to participate in a telematics program, such as connecting an app to your smartphone while you are driving, your good driving habits are recorded and you may qualify for extra savings.
- Good grades: If you are a student and bring home good grades, many carriers reward you with additional discounts on your premiums.
Taking advantage of as many discounts as potential is a great means to save on your premiums. The discounts mentioned above are alone a small sample of what you may be eligible to receive through your mailman. If you are looking for farther savings, consider raising your deductible, which lowers the cost of your premiums. besides, shopping around and comparing quotes from multiple carriers is a bright way to ensure you are paying the lowest amount for premiums .
Frequently asked questions
What is the best car insurance company in Brooklyn?
There are several factors to consider when you are trying to find the best car indemnity company in Brooklyn. Considerations such as customer overhaul ratings, fiscal stability, digital assets, coverage options and discounts are all authoritative .
How much does car insurance in Brooklyn cost?
The average monetary value of car policy in Brooklyn is $ 2,970 for minimum coverage and $ 6,188 for a full moon policy. however, your rates are based on a number of personal factors, including senesce, gender, zip code code, fomite and driving history, plus your credit score. This means the best way to find out the exact cost is to obtain a individualized quote.
Methodology
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive criminal record, good recognition and the following full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverages that meet each state ’ s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and driveway 12,000 miles per annum. These are sample rates and should be used for comparative purposes alone. Your quotes may be different .