Updated: November 8, 2025
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Kemper offers the cheapest liability-only and full coverage insurance for an average of $1,458 per year and $1,411 per year, respectively.
Erie offers the best car overall car insurance in Brooklyn, but Chubb leads when it comes to customer service.
To balance the cheapest and best Brooklyn car insurance, choose your coverage wisely and take advantage of all discounts. Shop around every year to find the best deal that aligns with your needs.
Kemper offers the most affordable car insurance in Brooklyn for minimum coverage at $122 per month, or approximately $1,458 per year. Progressive is the next most affordable option, costing $135 per month or $1,623 per year.
Both policies meet New York’s minimum liability requirements. They also include a $250 deductible for car damage.
| Kemper | $1,458 | $122 |
| Progressive | $1,623 | $135 |
| Allstate | $2,305 | $192 |
| GEICO | $3,081 | $257 |
| State Farm | $3,786 | $316 |
Kemper offers the most affordable full coverage insurance in Brooklyn at $118 per month ($1,411 per year). Progressive is the next most affordable insurer at $162 per month, or $1,967 per year.
These averages are based on a full coverage policy with 100/300/100 liability limits and a $1,000 deductible. You can adjust the filter below to see more full coverage options and compare rates from other insurers.
| Kemper | $1,411 | $118 |
| Progressive | $1,967 | $164 |
| Allstate | $2,926 | $244 |
| American Family | $3,084 | $257 |
| Erie | $3,338 | $278 |
Car insurance in Brooklyn costs more than in most U.S. regions due to denser traffic, higher accident rates and increased theft risk. New York's no-fault insurance laws and mandatory coverage requirements also contribute to higher premiums throughout the state, including Brooklyn.
Kemper offers the cheapest car insurance in Brooklyn for drivers with a speeding ticket at $139 per month, or about $1,673 per year. Progressive follows at $168 per month, or $2,012 per year.
A single moving violation can increase premiums. This is because insurers view these drivers as higher risk.
| Kemper | $1,673 | $139 |
| Progressive | $2,012 | $168 |
| American Family | $3,190 | $266 |
| Allstate | $3,305 | $275 |
| GEICO | $3,672 | $306 |
Yes, you can switch car insurance after an accident, even with an open claim. But you'll likely pay a cancellation fee. Different insurers offer varying terms and discounts for which you may qualify.
Erie is the best company in Brooklyn with a MoneyGeek score of 99 out of 100 and an average annual cost of $3,338. Travelers follows with a score of 98 out of 100 and an annual premium of $4,710.
Both insurers offer affordability, reliable claims service and customer satisfaction.
Provides both standard and unique coverages, including 24/7 roadside assistance and new or used car replacement options
Features a convenient "Roadside & Rentals" bundle, streamlining multiple services into one package for added value
Automatically includes pet coverage in all auto policies, offering $500 for vet bills after an accident
Offers an add-on for personal items coverage up to $350, available if you have collision coverage
Features a wide range of discounts for all kinds of drivers, including multi-policy discounts, first accident forgiveness and discounts for safety features
No discount for going paperless
Erie offers several features to give you peace of mind on the road. With its "Auto Security" offer, you'll receive the newest model if your new car gets totaled within two years. Erie will replace cars older than two years old with a model that's two years newer.
You can include "Emergency Roadside Service" to your policy for added safety. Available 24/7, this service helps with flat tires, lockouts and dead batteries. You can call for help anytime, even on holidays, and it only costs about $5 per vehicle per year.
After being insured with Erie for three years, you'll qualify for First Accident Forgiveness. This means your premium won't increase after your first at-fault accident.
Lastly, Erie offers windshield repair coverage for minor damages, saving you the hassle and cost of a full replacement.
| Erie | 99 | $3,338 | $278 |
| Chubb | 98 | $5,214 | $434 |
| Travelers | 98 | $4,710 | $392 |
| State Farm | 97 | $3,859 | $322 |
| American Family | 97 | $3,084 | $257 |
Chubb earns the highest customer satisfaction score among Brooklyn insurers, with 4.7 out of 5 and an average annual cost of $5,214. Erie follows closely with a 4.6 out of 5 satisfaction score and a yearly rate of $3,338.
Both companies offer dependable service and consistent claims handling.
Provides OEM coverage
Promises quick claim responses within 24 hours and payouts within 48 hours
Offers unlimited daily rental car coverage, applicable globally
Guarantees lifetime quality for repairs when using a Chubb-certified shop
Higher pricing
Chubb stands out for excellent customer service and claims handling. It's more expensive than other providers, but it's an excellent choice for drivers who value a good insurance experience. If customer service is your top priority, Chubb might be worth the higher cost.
In addition to its service, Chubb offers valuable and unique coverages, including Original Equipment Manufacturer (OEM) coverage, meaning the insurer will pay for quality original parts during repairs. Its lifetime quality repair guarantee at Chubb-certified shops may also save you money over your car's lifespan.
| Chubb | 4.71 | $5,214 | $434 |
| Erie | 4.63 | $3,338 | $278 |
| State Farm | 3.93 | $3,859 | $322 |
| Hanover | 3.88 | $6,696 | $558 |
| GEICO | 3.77 | $3,345 | $279 |
You don’t need to settle for the high price of driving in Brooklyn, NY. There are many factors of car insurance premiums that are within your control.
Choose coverage matching your vehicle's value and use.
Safe driving lowers costs in two ways:
Shopping around yearly saves money on car insurance, even before your contract expires.
Get three quotes and look for discounts.
Common car insurance discounts include:
Combining multiple discounts reduces insurance rates.
Young drivers save money by joining a more experienced driver's policy rather than buying their own.
If you don't drive often in Brooklyn, pay-per-mile insurance saves money. This option charges based on actual miles driven.
This type of insurance monitors your driving habits and can reward safe and responsible driving with lower premiums.
Check with your employer, alumni association or other groups to see if they offer group insurance rates.
Some states allow insurers to consider your credit score when determining premiums.
To drive legally, register your car and get your New York license plate, you will need:
New York operates as a no-fault state, where each driver's insurance covers their own medical expenses and lost wages after an accident, regardless of fault. You must carry Personal Injury Protection (PIP) as part of your policy, which expedites claims and reduces legal disputes.
PIP doesn't cover property damage, so you remain responsible for damages to another person's vehicle or property.
Brooklyn's diverse roads and bustling streets raise many questions about finding the right auto insurance coverage. Dive into MoneyGeek's FAQ section to uncover insights on the area's cheapest and best insurance companies.
Kemper and Progressive offer the cheapest average rates for minimum coverage and full coverage car insurance in Brooklyn. Kemper's minimum coverage costs $122 monthly, while Progressive charges $135 monthly.
For full coverage, Kemper charges $118 monthly, and Progressive charges $162 monthly.
Finding the best car insurance in Brooklyn requires considering affordability, customer service and overall protection.
Erie and Travelers balance quality service with reasonable rates. Shop around, compare quotes and understand your unique needs to find the best fit, whether you prioritize cost, comprehensive coverage or customer service.
Young drivers in Brooklyn can take advantage of various discounts to save on car insurance. Common discounts include:
Looking into options like telematics insurance or joining an existing policy can also help you save money. Ask your provider about available discounts and eligibility requirements to make the most of your savings.
To drive legally in Brooklyn, you'll need specific coverages, including:
New York operates under a no-fault system, meaning each party's insurance covers their own expenses, regardless of fault.
Car insurance shopping means sorting through dozens of companies and conflicting information, so you need research you can trust when making decisions that affect your budget and financial protection. We built our methodology around rigorous data collection from industry authorities and editorial oversight to ensure every rate and recommendation you see reflects accurate, current information.
We use data from hundreds of car insurance companies and draw our analysis from four independent agencies and reputable authorities: AM Best provides insurance companies with credit ratings and data analytics showing which carriers remain financially stable long-term. J.D. Power specializes in insurance industry research, analytics, and rankings measuring customer satisfaction and claims experience. National Association of Insurance Commissioners (NAIC) serves as a regulator protecting consumer interests, providing data and analysis of insurance providers so consumers can make informed decisions. Quadrant Information Services offers car insurance pricing analytics and services based on accurate comparative data across all major insurers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
