Find Car Insurance in Brooklyn, N.Y.

What You Should Know About Car Insurance in Brooklyn, NY

Spanning just shy of 70 square miles, Brooklyn is the most populated of the five Boroughs of New York City. Its nearly 2.5 million residents form a group about as diverse as they come, which is no surprise. Ever since the first settlers — a group of Dutch farmers — arrived in 1636, the region has been a destination for immigrants from all over the world, forming the backbone of Brooklyn’s modern-day attitude of acceptance of others. Just a short drive from the world-famous Manhattan, economic opportunities abound and entertainment, nightlife, cuisine, and attraction options are endless.

Spend a relaxing day in the Brooklyn Botanic Garden, take the kids to the world-renowned Coney Island’s Luna Park, and watch a Nets game at the Barclays Center. You will never run out of things to do in Brooklyn. Get in touch with an expert InsureOne agent for the best auto insurance at the best price in New York, and drive to the action in this bustling borough, knowing that you are covered if you get into an accident as you make your way around town.

How Much Does Car Insurance Cost in Brooklyn, New York?

Car insurance in New York is a necessity but a costly one. The average premium cost for a full coverage policy is $3,139 per year, and a minimum liability policy runs about $1,371. To put that in perspective, the national average for full coverage is $2,014, and the minimum liability is $622.

Why Is Insurance in Brooklyn So Expensive?

Insurers look at many statistics as they prepare your quote for coverage. One of them is the likelihood of getting into an accident. Brooklyn is a densely populated area with lots of cars and traffic. The city is also subject to a significant amount of snow and rain, conditions that could lead to accidents and cost your insurer money should you file a claim.

Affordable Car Insurance Rates Comparison by Cities in New York

Formulating an insurance quote includes a host of variables that help insurers determine their risk. Where you live is one of the details that heavily influence your premiums, which is why rates vary by city, as shown in the chart below.

City	Full Coverage Insurance	Liability Insurance Coverage
Brooklyn	$447	$190
Bronx	$426	$173
Manhattan	$285	$117
Queens	$348	$160
Staten Island	$311	$145

How Bundling Your Car and Homeowners Insurance Can Save You Money in Brooklyn

Given the high cost of coverage in Brooklyn, it makes sense to try to reduce your bill through various discounts insurers offer. If you get your auto and homeowners insurance from the same insurer, you can cut your premiums by as much as 25% through a discount called “bundling,” which simply means getting multiple policies from the same company.

There are other reasons why you should bundle your home and auto coverage, including the fact that you only have to deal with one insurer instead of two when you apply for your policies and pay your monthly or yearly bills. Although a lot of work goes into getting a high bundling discount, your expert InsureOne agent takes care of all the price shopping for you. Your agent will deliver a personalized package of policies that covers your specific needs at the most affordable prices available.

What Types of Car Insurance Discounts Are Available in Brooklyn?

While bundling policies might lower your premiums significantly, do not stop there because insurers offer many other discounts for which you may qualify. Look at these examples, and ask your InsureOne agent if they have any others that might work for you:

• Paid-in-full discount
• Paperless billing discount
• Auto-pay discount
• Safety feature discount
• Military discount

Notable Car Insurance Laws in Brooklyn

Individual municipalities rely on the state guidance for insurance laws. The state of New York has many policies that affect Brooklyn drivers. The following are some examples.

What Are the Mandatory Car Insurance Requirements in Brooklyn?

Each state requires drivers to carry a minimum amount of coverage, the limits of which vary by state. In addition to the usual bodily injury and property damage protection other states require, New York mandates that drivers obtain coverage for injuries caused by other drivers who are at fault. These are the minimum coverage requirements in New York:

• $25,000 for bodily injury per person/$50,000 for fatal crashes
• $50,000 for bodily injury per accident/$100,000 for fatal crashes
• $10,000 property damage per accident
• $50,000 Personal Injury Protection (no-fault)
• 25/50/10 uninsured motorist coverage

What Is the Penalty for Driving Without Insurance in Brooklyn?

New York drivers who do not have an auto policy are required to turn in their plates and registration to the Department of Motor Vehicles. The punishment for driving while uninsured in New York varies based on the circumstances but could be pretty severe and include the following:

• Up to $1,500 in court fines
• Possible vehicle impoundment
• Possible imprisonment
• Possible license revocation
• If revoked $750 civil penalty fee to restore your license

Do Brooklyn-Specific Laws Play a Role in Determining Your Insurance Premiums?

Insurers use many variables to help them determine their risk for each client they insure. New York does not allow employment status, occupation, or education levels to affect your coverage rates, but here are some of the factors insurers may use:

• Age: Younger drivers, especially teens, pay the highest rates. As they gain experience and become more responsible, rates will gradually decrease.
• Driving experience: If a driver starts driving in their 20s, 30s, or later, they will pay higher rates initially since they do not have any experience on the road.
• Mileage: Drivers who are on the road a lot are more likely to get into an accident and will pay higher rates than others.
• The cost of your vehicle: The more your vehicle costs, the more it will cost your insurer to pay to replace it, so they will increase your premiums to compensate for the potential risk.
• Claims history: Statistics show that drivers who have filed claims in the past are more likely than others to do so in the future, prompting insurers to charge them higher premiums.

Typical Driving Conditions in Brooklyn

Brooklyn has around 2.5 million residents living in just under 70 square miles. It is one of the state’s most urban areas, where you might experience constant red lights and congestion on the local roads throughout the day but especially during rush hour. Visibility and slippery roads can be an issue at times since Brooklyn gets an above-average amount of rain and a fair share of snow compared to other cities.

How Many Car Accidents Happen in Brooklyn Per Year?

Crashmapper.org reports a total of 38,398 crashes in New York City in 2024. Below you can see how Brooklyn compares to the other four NYC boroughs.

City	Total Crashes
Brooklyn	11,720
Bronx	5,621
Manhattan	5,615
Queens	10,223
Staten Island	1,770

How Many Uninsured/Underinsured Motorists Are in Brooklyn?

In 2022, 10.8% of New York drivers were uninsured, based on stats from the Insurance Information Institute. Drivers who do not have proper coverage can cause significant, unrecoverable damage. Ask your InsureOne agent about the importance of obtaining uninsured/underinsured motorist coverage as a means of protecting yourself financially should such a driver crash into you.