Cheapest and Best Car Insurance Companies in Brooklyn, NY

Kemper and Progressive lead in Brooklyn, offering the cheapest liability-only and full coverage car insurance. Erie stands out as the best overall provider, providing a perfect blend of affordability and service, while Travelers is a close second. People seeking a balance between cost and quality will find these options appealing.

If you're on a budget or a new driver, you might look for the cheapest car insurance in Brooklyn. However, if you value robust coverage and customer service, focus on the best Brooklyn car insurance. Balancing cost and quality ensures you get the right coverage for your needs.

The cheapest car insurance companies in Brooklyn for minimum liability coverage are:

• Kemper: $122 monthly ($1,458 annually)
• Progressive: $135 monthly ($1,623 annually)

This coverage meets the state's minimum liability requirements and includes a $250 deductible.

If you want to explore more options for minimum liability car insurance in Brooklyn, you can simply toggle the filter below to browse and find the best fit for your needs.

The cheapest full coverage car insurance companies in Brooklyn are:

• Kemper: $118 monthly ($1,411 annually)
• Progressive: $162 monthly ($1,967 annually)

These averages reflect a full coverage policy with 100/300/100 policy limits and a $1,000 deductible. If you're looking for more full coverage car insurance options in Brooklyn, simply adjust the filter below.

Full coverage insurance is a term used to describe a combination of insurance protections for your vehicle. It typically includes:

• Liability Insurance: Covers the costs if you're responsible for injuring someone or damaging their property.
• Collision Insurance: Pays for damage to your car if you collide with another vehicle or object, regardless of fault.
• Comprehensive Insurance: Protects against damages not caused by a collision, such as theft, vandalism, natural disasters or hitting an animal.

It's important to note that "full coverage" isn't a standardized term, so the exact coverage can vary between insurance providers. Always review the specific details of a policy and consider additional coverages like uninsured/underinsured motorist protection or medical payments coverage to tailor the policy to your needs.

On average, the cheapest car insurance companies in Brooklyn after an offense are:

• Kemper: $139 monthly ($1,673 annually)
• Progressive: $168 monthly ($2,012 annually)

These rates are for a minimum coverage policy for a driver with a speeding ticket. Toggle the filter below to find average insurance costs based on your driving offense.

The impact of a ticket on your driving record can be more than just a temporary inconvenience. On average, the cost of car insurance after a ticket or an accident may rise by 34%, and this effect could linger on your premiums for approximately three years. It's a reminder that responsible driving ensures safety and keeps insurance costs manageable.

If you find yourself facing a DUI, the financial implications can be even more significant. Car insurance costs could soar by 86% after such an incident. This mark on your record might stay with you for five to 10 years or, in some cases, indefinitely. Insurance providers view this as a sign of a high-risk driver, and to balance the potential risk of claims payouts, they often charge higher premiums.

The best car insurance companies in Brooklyn, balancing quality service at affordable rates, are:

• Erie: MoneyGeek Score of 99 out of 100 ($3,338 per year)
• Travelers: MoneyGeek Score of 98 out of 100 ($4,710 per year)

We recommend considering these providers if you value both customer experience and reasonable policy costs.

While affordability is undoubtedly a significant factor in choosing the best car insurance, it's good to recognize that the cheapest option isn't always the best. Your overall protection and insurance experience should be at the forefront of your decision-making process.

Especially if you live in high-risk areas, selecting a provider with an extensive list of add-on coverages might save you headaches and money in the long run. For instance, if you rely heavily on your car, a provider that offers rental reimbursement could be a lifesaver. If you reside in a state prone to severe weather, an insurance provider with a robust, comprehensive insurance policy can protect you from unexpected costs.

Car insurance is more than just a legal requirement; it's a personal financial safety net. When you invest in quality coverage, you typically get more than you pay for. It's about finding the right balance between cost and coverage, ensuring you're well-protected without overstretching your budget.

Shopping around yearly, maximizing car insurance calculators and taking advantage of discounts are great ways to get the best coverage at the lowest possible price.

The car insurance companies in Brooklyn with the best customer service are:

• Chubb: MoneyGeek satisfaction score of 4.7 out of 5 ($5,214 per year)
• Erie: MoneyGeek satisfaction score of 4.6 out of 5 ($3,338 per year)

The National Association of Insurance Commissioners (NAIC) has developed a Complaint Index that reports complaint trends for insurance companies, providing helpful data for consumers comparing policies.

Customer service in car insurance is an aspect that's easy to overlook — until you need to file a claim.

Choosing a car insurance company with top-notch customer service can make a significant difference in your overall experience, especially during stressful times like after an accident. While you may be primarily focused on coverage options and costs when selecting a policy, the quality of customer service can be a game-changer when you need assistance.

When you need to file a claim, having a responsive, empathetic and efficient customer service team can streamline the process, reducing stress and confusion. They can guide you through the necessary steps, answer your questions and ensure the prompt handling of your claim.

Look for insurance that you can afford but also has good service. Talk to different companies to find the best deal. Think about what coverages you need, like help if you have an accident. Insurance might cost more in Brooklyn because there are many cars and more accidents.

Where you live can change how much you pay. So, understanding your area can help you choose the best insurance. Whether you've lived in Brooklyn for a long time or just moved, the right car insurance helps keep you and your car safe.

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.

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.