Brooklyn Car Insurance

Saving money on car insurance can be as easy as a walk in Prospect Park.

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Brooklyn Car Insurance

The most populous borough of New York City, Brooklyn is home to the famous Brooklyn Bridge, Coney Island, and hipsters. Lots of hipsters. But in terms of car insurance, Brooklyn is known for some expensive premiums — the average premium in Brooklyn is nearly twice as high as that of the rest of New York state — about 96% higher than the rest of the state and 54% higher than the average premium in the US. So, saving while insuring a vehicle in Brooklyn is an absolute imperative. Let’s get started on how to save on car insurance in Brooklyn.

 

Location6-Month Premium
US$714
New York$1,080
Brooklyn$2,699

 

Average rates by insurance company

As we stated, car insurance rates for Brooklyn are about 96% higher than the average premium for the rest of the state and 54% than the average for the entire US. This has to do with the way insurance companies predict losses in this area. Based on the high population size, crime, weather-related events, and claims history, insurance companies see Brooklyn as a risky place to insure clients. Insurance companies will protect themselves against risk through higher premiums.

Given Brooklyn’s size, we decided to survey 5 zip codes throughout the Borough to see the average rate by insurance company. Here are the results:

average premium in brooklyn by carrier

In a consistent profile (outlined here), we discovered that GEICO was the cheapest company for auto insurance. With an average 6 month premium at $681.75, it was over a thousand dollars cheaper than the city’s average and even less than the state’s! Below is a sum for the average 6-month premium in Brooklyn.

Insurance CompanyAverage 6-Month Premium
Allstate$1,504
Geico$682
Liberty Mutual$1,174
Progressive$1,174
State Farm$2,472

Bear in mind, this data is only representative of our user profile — a 30-year-old male with a 2-year-old Honda Civic. While this profile was created to represent as many different drivers as possible, it's most likely not going to be reflective of you. In order to find the best company for your driving profile, follow our lead and compare with as many companies as possible. Enter your zip code below to get started!

 

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Ways to save

Because living in Brooklyn is clearly pretty expensive, it’s important to save money whenever possible. Here are the ins-and-outs of saving on car insurance.


Double-check for discounts:

A lot of discounts, such as the good driver or the safety equipment discount are built into your user profile (through your VIN or driving record), but you still want to make sure you’re getting all the discounts you’re qualified for. Here are some common discounts:

  • Good driver/Safe Driver
  • Safe equipment discount
  • Paid in full
  • Payment via bank
  • Electronic signature
  • Good student
  • Bundling (auto/renters or home/auto)

These discounts might not seem like a lot, but when you’re paying more than twice the state’s average, every penny counts.

 

Drive Safely

Drive safely is a good idea, no matter where you live. But in Brooklyn, avoiding reckless and dangerous driving can save you thousands a year on auto insurance. Here are some common violations and how much it will raise your premium.

Average Annual Increase by Violation

Violation

Increase to Premium

Texting While Driving

+$35

Speeding in School Zone

+$230

Average Speeding Ticket

+$370

At-Fault Accident

+$1,088

Racing

+$1,145

Reckless Driving

+$1,848

Hit & Run

+$2,752

 

Improve or maintain good credit

While maintaining a good credit score is pivotal for your financial health, it can also be pretty impactful on your insurance premium. Looking at the average premiums for Brooklyn below, the difference between very poor premium (300-579) and excellent (800-850) is nearly $4,000 a year. On average, moving from one credit tier to another can save you an average of $1,370 a year. If your credit score has recently improved, you should consider that a good time to shop for car insurance. As you can see with the data below, there is a lot of variation between credit scores.

average premium by credit score

Bundle any and all policies

Bundling, meaning putting all your insurance eggs in one basket, can save you between $117 and $190 a year on your auto insurance. The reason is pretty simple — insurance companies want more lines of revenue and thus offer you an incentive. Here are some typical savings you can see across Brooklyn.

chart of bundle status

Be smart with your coverage

By this, we are referring to the simple truth that most vehicles do not grow in value over time but depreciate. In terms of insurance, this could mean the coverage you have for your vehicle is no longer necessary. Here's how to find out if you still need full coverage. Typically, if your vehicle is 10 years or older and/or is worth less than $4,000, you do not need comprehensive or collision coverage. Although not required by law, these coverages are designed to protect your vehicle after an accident. But if your vehicle isn't worth much, you might be paying for coverage you do not need. 

If you're unsure of the value of your vehicle, we recommend using Kelley Blue Book and NADA online. If you decide to drop collision and comprehensive, consider adding uninsured motorist property damage coverage. This will protect your vehicle if it's damaged by an uninsured driver or after a hit-and-run.

 

Be smart with your claims

Being smart with your claims means using your collision lightly and sparingly in order to avoid future rate increases. As collision claims are generally considered to be "at-fault" accidents by insurance companies, you can expect your rate to increase at your renewal. For most violations, your rate will be increased for 3 years. You should consider if the amount you would save by filing a claim is worth the value of your premium increase. In Brooklyn, the average increase for an at-fault accident was $1,088 for your first year. As we stated, you should expect this surcharge to stay on your premium for 3 years. Meaning, your total increase on average will amount to well over $3,000. 

If you're unsure of whether or not to file a claim after an at-fault collision-type accident, consider our suggestions:

  • Get an estimate at a local repair shop in Brooklyn.
  • Consider if the value of damage is over $3,263 + your deductible — if it is less than the total out of pocket expenses, it may make sense to file a claim. 

 

Shop around

Your absolute best bet for saving on auto insurance is to follow our lead and compare with as many companies as possible. Because our user profile most likely doesn’t match you, it’s important to see our data as a starting point — where you should begin, but not end, your search for the best auto insurance. Use our comparison app below to see how much you could be saving on car insurance.

Compare over 200 insurance companies at once!

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Additional Resources:

Brooklyn Car Insurance

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