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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.

MoneyGeek Logo IconCheapest andBest Car InsuranceBrooklyn, NY
2023

Cheapest and Best Car Insurance in Brooklyn, NY

Key Takeaways

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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.

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Erie offers the best car overall car insurance in Brooklyn, but Chubb leads when it comes to customer service.

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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.

Cheapest Minimum Liability Car Insurance in Brooklyn

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.

Cheapest Minimum Liability Car Insurance in Brooklyn
Company
Annual Premium
Monthly Premium

Kemper

$1,359

$113

Kemper

$1,458

$122

Kemper

$1,561

$130

Progressive

$1,623

$135

Progressive

$1,638

$136

Kemper

$1,698

$142

Progressive

$1,728

$144

Progressive

$1,756

$146

Kemper

$1,781

$148

Progressive

$1,851

$154

Allstate

$2,305

$192

Allstate

$2,480

$207

Allstate

$2,592

$216

American Family

$2,699

$225

Allstate

$2,737

$228

Allstate

$2,750

$229

GEICO

$3,081

$257

GEICO

$3,170

$264

American Family

$3,187

$266

State Farm

$3,386

$282

Erie

$3,513

$293

American Family

$3,664

$305

Erie

$3,727

$311

State Farm

$3,786

$316

State Farm

$3,827

$319

State Farm

$3,980

$332

State Farm

$4,206

$351

GEICO

$4,439

$370

Travelers

$4,479

$373

Travelers

$4,508

$376

Travelers

$4,592

$383

GEICO

$4,682

$390

Travelers

$4,688

$391

Chubb

$4,733

$394

Chubb

$4,860

$405

Travelers

$4,897

$408

Erie

$4,993

$416

GEICO

$5,004

$417

Hanover

$6,043

$504

Hanover

$6,889

$574

Chubb

$7,708

$642

Hanover

$8,303

$692

Mercury

$10,138

$845

Mercury

$11,575

$965

Mercury

$11,711

$976

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HOW MUCH CAR INSURANCE DO YOU NEED IN BROOKLYN?

To drive legally, register your car and get your New York license plate, you will need:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $50,000 personal injury protection per person
  • $50,000 liability for death per person
  • $100,000 liability for death per accident

In a no-fault state like New York, car insurance operates under a system where each party's insurance company covers their own medical expenses and lost wages, regardless of who was at fault in the accident. This means drivers must carry Personal Injury Protection (PIP) as part of their insurance policy, which helps expedite claims and reduce legal disputes. However, it doesn't cover property damage, so drivers may still be held responsible for damages to another person's vehicle or property.

Cheapest Full Coverage Car Insurance in Brooklyn

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.

Cheapest Full Coverage Car Insurance in Brooklyn
Company
Annual Premium
Monthly Premium

Kemper

$1,411

$118

Kemper

$1,488

$124

Kemper

$1,828

$152

Kemper

$1,897

$158

Progressive

$1,967

$164

Kemper

$1,994

$166

Progressive

$2,150

$179

Progressive

$2,243

$187

Progressive

$2,272

$189

Progressive

$2,275

$190

Progressive

$2,377

$198

Kemper

$2,394

$200

Allstate

$2,926

$244

Allstate

$2,994

$250

American Family

$3,084

$257

Erie

$3,338

$278

GEICO

$3,345

$279

GEICO

$3,360

$280

Erie

$3,450

$287

Erie

$3,538

$295

Allstate

$3,541

$295

Erie

$3,598

$300

American Family

$3,683

$307

American Family

$3,684

$307

GEICO

$3,715

$310

Allstate

$3,757

$313

State Farm

$3,859

$322

Allstate

$3,974

$331

American Family

$4,067

$339

State Farm

$4,218

$351

American Family

$4,221

$352

State Farm

$4,305

$359

Allstate

$4,436

$370

State Farm

$4,509

$376

Erie

$4,595

$383

American Family

$4,658

$388

Travelers

$4,710

$392

State Farm

$4,712

$393

Erie

$4,718

$393

Travelers

$4,828

$402

GEICO

$5,053

$421

Kemper

$5,082

$423

Chubb

$5,086

$424

Chubb

$5,112

$426

Chubb

$5,214

$434

State Farm

$5,258

$438

Progressive

$5,627

$469

Travelers

$5,879

$490

Travelers

$5,881

$490

GEICO

$5,969

$497

Travelers

$6,080

$507

Travelers

$6,157

$513

Chubb

$6,171

$514

GEICO

$6,254

$521

Hanover

$6,696

$558

Hanover

$7,620

$635

Allstate

$7,738

$645

Hanover

$7,907

$659

Chubb

$8,265

$689

Chubb

$8,378

$698

Hanover

$8,764

$730

GEICO

$8,819

$735

State Farm

$9,289

$774

Hanover

$9,319

$777

Travelers

$9,938

$828

Hanover

$10,188

$849

Mercury

$10,837

$903

Mercury

$12,269

$1,022

Mercury

$12,479

$1,040

Mercury

$12,691

$1,058

Mercury

$13,063

$1,089

Mercury

$13,679

$1,140

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.

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IS CAR INSURANCE MORE EXPENSIVE IN BROOKLYN?

Car insurance in Brooklyn, NY, tends to be more expensive than in many other states. These higher costs are due to factors such as denser traffic, a higher rate of accidents and an increased risk of theft. Additionally, New York's no-fault insurance laws and mandatory coverage requirements can contribute to the overall higher premiums in the state, including in Brooklyn.

Cheapest Car Insurance in Brooklyn After a Driving Offense

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.

Cheapest Car Insurance in Brooklyn After a Driving Offense
Company
Annual Premium
Monthly Premium

Kemper

$945

$79

Kemper

$1,005

$84

Kemper

$1,092

$91

Kemper

$1,124

$94

Kemper

$1,130

$94

Kemper

$1,164

$97

Kemper

$1,204

$100

Progressive

$1,270

$106

Kemper

$1,309

$109

Progressive

$1,316

$110

Progressive

$1,324

$110

Progressive

$1,328

$111

Progressive

$1,339

$112

Kemper

$1,347

$112

Progressive

$1,376

$115

Progressive

$1,384

$115

Progressive

$1,393

$116

Progressive

$1,413

$118

Allstate

$1,531

$128

Kemper

$1,561

$130

Allstate

$1,597

$133

Kemper

$1,673

$139

Erie

$1,732

$144

Kemper

$1,765

$147

Allstate

$1,777

$148

Allstate

$1,793

$149

Erie

$1,809

$151

Kemper

$1,843

$154

Allstate

$1,854

$155

Kemper

$1,896

$158

Progressive

$1,926

$161

Erie

$1,964

$164

Progressive

$1,974

$165

Kemper

$1,980

$165

Allstate

$1,993

$166

Kemper

$1,998

$167

Progressive

$2,012

$168

Progressive

$2,030

$169

Erie

$2,049

$171

Allstate

$2,050

$171

Progressive

$2,063

$172

GEICO

$2,082

$174

GEICO

$2,082

$174

Allstate

$2,092

$174

Progressive

$2,107

$176

Progressive

$2,116

$176

Chubb

$2,187

$182

Progressive

$2,198

$183

Progressive

$2,214

$185

Kemper

$2,271

$189

American Family

$2,311

$193

Erie

$2,313

$193

GEICO

$2,313

$193

GEICO

$2,313

$193

Allstate

$2,331

$194

Chubb

$2,343

$195

Kemper

$2,360

$197

GEICO

$2,383

$199

GEICO

$2,383

$199

American Family

$2,461

$205

Erie

$2,623

$219

Chubb

$2,632

$219

American Family

$2,720

$227

Allstate

$2,732

$228

Allstate

$2,774

$231

State Farm

$2,777

$231

State Farm

$2,777

$231

State Farm

$2,777

$231

Erie

$2,786

$232

Chubb

$2,829

$236

American Family

$2,895

$241

Erie

$2,900

$242

Erie

$2,935

$245

American Family

$3,036

$253

Allstate

$3,045

$254

Erie

$3,065

$255

American Family

$3,082

$257

State Farm

$3,089

$257

State Farm

$3,089

$257

State Farm

$3,089

$257

American Family

$3,190

$266

American Family

$3,284

$274

Allstate

$3,305

$275

State Farm

$3,358

$280

State Farm

$3,358

$280

State Farm

$3,358

$280

Allstate

$3,385

$282

American Family

$3,431

$286

Hanover

$3,434

$286

Hanover

$3,434

$286

Travelers

$3,454

$288

American Family

$3,460

$288

Travelers

$3,465

$289

Travelers

$3,503

$292

Erie

$3,548

$296

American Family

$3,566

$297

Chubb

$3,568

$297

GEICO

$3,672

$306

GEICO

$3,672

$306

Erie

$3,706

$309

Travelers

$3,713

$309

Erie

$3,717

$310

Travelers

$3,728

$311

Travelers

$3,729

$311

Allstate

$3,737

$311

Allstate

$3,742

$312

Travelers

$3,744

$312

Travelers

$3,763

$314

Travelers

$3,775

$315

Chubb

$3,845

$320

Allstate

$3,851

$321

State Farm

$3,867

$322

State Farm

$3,867

$322

State Farm

$3,867

$322

Chubb

$3,872

$323

Erie

$3,908

$326

American Family

$3,951

$329

American Family

$3,966

$331

GEICO

$3,969

$331

GEICO

$3,969

$331

GEICO

$4,103

$342

GEICO

$4,103

$342

Chubb

$4,154

$346

American Family

$4,165

$347

Hanover

$4,253

$354

Hanover

$4,253

$354

Allstate

$4,264

$355

State Farm

$4,301

$358

State Farm

$4,301

$358

State Farm

$4,301

$358

American Family

$4,303

$359

Hanover

$4,568

$381

American Family

$4,612

$384

Chubb

$4,681

$390

Erie

$4,733

$394

Erie

$4,774

$398

State Farm

$4,787

$399

State Farm

$4,787

$399

State Farm

$4,787

$399

Hanover

$4,856

$405

Hanover

$4,856

$405

Chubb

$4,917

$410

American Family

$4,963

$414

Erie

$4,973

$414

Chubb

$5,037

$420

American Family

$5,144

$429

Travelers

$5,231

$436

Travelers

$5,317

$443

Travelers

$5,437

$453

Travelers

$5,621

$468

Travelers

$5,667

$472

Hanover

$5,682

$474

Travelers

$5,713

$476

Travelers

$5,764

$480

GEICO

$5,782

$482

Travelers

$5,841

$487

Travelers

$5,890

$491

GEICO

$6,037

$503

Chubb

$6,044

$504

Mercury

$6,099

$508

Chubb

$6,281

$523

Mercury

$6,288

$524

Erie

$6,363

$530

GEICO

$6,436

$536

Hanover

$6,463

$539

Hanover

$6,463

$539

Hanover

$6,575

$548

Mercury

$6,734

$561

Chubb

$6,775

$565

Mercury

$7,099

$592

Hanover

$7,305

$609

Hanover

$7,305

$609

Mercury

$7,367

$614

Mercury

$7,519

$627

Mercury

$7,796

$650

Mercury

$7,995

$666

Chubb

$8,321

$693

Mercury

$8,468

$706

Hanover

$8,562

$714

Hanover

$8,571

$714

Hanover

$8,571

$714

Chubb

$8,697

$725

GEICO

$9,646

$804

Hanover

$9,712

$809

GEICO

$9,975

$831

GEICO

$10,655

$888

Chubb

$10,707

$892

Mercury

$10,814

$901

Mercury

$11,409

$951

Hanover

$11,561

$963

Mercury

$11,673

$973

Mercury

$12,520

$1,043

Mercury

$13,109

$1,092

Mercury

$13,171

$1,098

Mercury

$13,743

$1,145

Mercury

$13,772

$1,148

Mercury

$14,410

$1,201

Chubb

$14,609

$1,217

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.

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CAN I SWITCH CAR INSURANCE AFTER AN ACCIDENT?

Yes, you can switch car insurance after an accident, even with an open claim, but you may be charged a cancellation fee. If your current provider raises your premiums due to a stain on your record, it might be a good time to shop around. Different insurers may offer more forgiving terms or discounts you're eligible for. Comparing quotes could lead you to a more budget-friendly option that recognizes your unique situation.

Best Overall Car Insurance in Brooklyn

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.

Erie

pros

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

cons

No discount for going paperless

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Erie Auto Insurance Review
Best Overall Car Insurance in Brooklyn
Company
MG Best Score (out of 100)
Annual Premium
Monthly Premium

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

GEICO

97

$3,345

$279

Progressive

97

$1,967

$164

Hanover

97

$6,696

$558

Allstate

97

$2,926

$244

Mercury

97

$10,837

$903

Kemper

95

$1,411

$118

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.

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Best Car Insurance in Brooklyn for Customer Service

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.

Chubb

pros

Provides OEM coverage, ensuring your car is repaired with original parts

Promises quick claim responses within 24 hours and payouts within 48 hours, minimizing your downtime

Offers unlimited daily rental car coverage, applicable globally, so you're never stranded

Guarantees lifetime quality for repairs when using a Chubb-certified shop

cons

Higher pricing may limit its appeal to budget-conscious drivers

COMPANY HIGHLIGHTS

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.

Best Car Insurance in Brooklyn for Customer Service
Company
Satisfaction Score
Annual Premium
Monthly Premium

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

American Family

3.76

$3,084

$257

Travelers

3.58

$4,710

$392

Mercury

3.44

$10,837

$903

Progressive

3.31

$1,967

$164

Allstate

3.27

$2,926

$244

Kemper

1.17

$1,411

$118

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.

How to Get Cheap Car Insurance in Brooklyn

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.

1

Choose your coverage wisely

If you're driving an old car or can easily pay repair costs out of pocket, you might settle for liability-only coverage. But if you have a new, luxury or expensive-to-repair car, full coverage insurance (including collision and comprehensive insurance) is wise. You don't want to overpay for insurance, but you also don't want to be left with a hefty bill without the right coverage. Choose coverage that matches the value and use of your car.

2

Be a safe driver

There are two ways being a safe driver can lower costs:

  • Clean Driving Records: Drivers without accidents or tickets often get better deals.
  • Safety Discounts: Insurance providers may reward safe drivers with discounts, especially if you drive a car with factory-built safety features.

Generally, the safer you are, the lower your quotes.

3

Shop around regularly

Even before your contract is up, shopping around yearly can save you on car insurance costs. Maintaining a good driving record is often rewarded with more affordable rates. Have a 3-year-old ticket? It might no longer be reflected in your premiums. Are you a young driver? If you've kept safe and have no claims history, your premiums should lower every year as you gain more experience on the road.

4

Compare quotes from at least three different insurers

Each insurance company has different methods and metrics by which they decide your car insurance premiums. If you get three different quotes, you will likely get three very different prices. Taking into account the discounts you're eligible for can drive prices even lower.

5

Look for discounts

Ask about all the discounts you might qualify for, including safe driving or having factory-built safety features. Common car insurance discounts include:

  • Safe Driver Discounts: For drivers with no accidents or violations.
  • Multi-Policy Discounts: Savings for bundling different types of insurance.
  • Multi-Car Discounts: Discounts for insuring more than one vehicle.
  • Good Student Discounts: For young drivers with good grades.
  • Military and Veteran Discounts: For active-duty military, veterans and families.
  • Senior Discounts: Potential savings for older drivers.
  • Early Renewal Discounts: Savings for renewing before expiration.
  • Payment Discounts: For paying in full or setting up automatic payments.
  • Green Vehicle Discounts: For driving hybrid or electric vehicles.
  • Loyalty Discounts: For staying with the same company for several years.
  • Occupational Discounts: For certain professions like teachers or healthcare workers.
  • Safety Feature Discounts: For cars with specific safety features.
  • Defensive Driving Course Discounts: For completing specific driving courses.

Combining multiple discounts may significantly reduce your insurance rates.

6

Add yourself to an existing policy

If you're a young driver, adding yourself to a more experienced driver's policy might be cheaper than having your own.

7

Consider Pay-Per-Mile Insurance

If you don't drive often in Brooklyn, choosing pay-per-mile insurance might save you more money. This option charges you based on the actual miles you drive, potentially offering significant savings if you have a low-mileage lifestyle. If you reduce your driving by carpooling or using public transit, you might qualify for low-mileage discounts.

8

Consider telematics insurance

This type of insurance monitors your driving habits and can reward safe and responsible driving with lower premiums.

9

Explore group insurance plans

Check with your employer, alumni association or other groups to see if they offer group insurance rates.

10

Maintain Good Credit

Some states allow insurers to consider your credit score when determining premiums. Keeping a good credit score might lead to savings.

Frequently Asked Questions

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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