Brooklyn remains a very ethnically and racially diverse city. It is densely populated, busy and congested at most times. For drivers, Brooklyn can be challenging. As in all of New York City, traffic is heavy, while pedestrians, cyclists and taxis are everywhere.
If you plan to drive in Brooklyn, getting car insurance should be your first stop. Car insurance can protect your finances if you get into an accident or find yourself involved in some other car mishap.
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Cost of Car Insurance in Brooklyn
Did You know? The average cost of Brooklyn car insurance is $198 per month.
Brooklyn auto insurance costs around $198 per month, on average. While car insurance rates are highly personalized, no one should overpay. But approximately 6.1 % of New York drivers are uninsured.
Your insurance rates are based on your unique characteristics, like where you live, what you drive and how far you commute to work each day. If you think your rates are higher than average, it might be time to shop around.
No matter where you live, a Trusted Choice agent will assess your risks and help you find a policy that protects what matters most, at a price you can afford.
Brooklyn Car Insurance Requirements
The roads in Brooklyn are congested and dangerous any time of day. If you are in an accident, you need car insurance to help you pay for the damage and injuries you cause.
Certain types of coverage can also help you if your car is stolen or is damaged by weather or some other mishap.
If you are involved in a serious accident, you need enough coverage to help you recover financially. The minimum coverage required by the state of New York may not be sufficient.
- Bodily Injury Liability: $25,000 per person, $50,000 per accident required
- Property Damage Liability: $10,000 required
- Personal Injury Protection (PIP): $50,000 required
Who Pays if the Accident Wasn’t My Fault?
The driver who caused the accident, of course. But approximately 6.1% of New York drivers are uninsured. Unfortunately, some people drive without car insurance. Without insurance coverage, they probably can’t pay if they are at fault for an accident.
That is why Brooklyn drivers need “uninsured motorist coverage.” If an uninsured driver hits you, uninsured motorist coverage pays to fix your vehicle and helps with your medical bills.
New York has a very low percentage of uninsured drivers compared to other states, but drivers are still required to purchase uninsured motorist coverage.
What Affects the Cost of Brooklyn Car Insurance?
The cost of a Brooklyn car insurance policy is determined by evaluating your personal risk factors, such as the following:
- Your age and gender
- Your ZIP code
- Your history of accidents and claims
- The kind of car you drive
- The number of cars and drivers in your household
If you have a long daily commute or if your city has a high crime rate, you likely will pay more for car insurance than someone who has a shorter commute and lives in a city with a low crime rate.
The type of car you drive is also very important. Cars that cost a lot to repair or replace, such as hybrids or luxury vehicles, will cost more to insure than cars that have more typical repair costs. Most insurance companies offer a variety of discounts that may help to offset some of the costs that you can’t control.
More City Factors that will Affect Your Rate
The more time you spend on the road, the more likely it is that you'll be in an accident. Drivers with longer daily commute times usually pay more for car insurance.
Brooklyn drivers often have extreme commute times that are much longer than the national average. Car insurance rates for many Brooklyn drivers are likely higher as a result.
- National average: 25.4 minutes
- Brooklyn average: 40.5 minutes
Number of Auto Thefts in Brooklyn
- National number of thefts for 1,000 vehicles: 2.94
- Number of thefts for 1,000 vehicles in Brooklyn: 0.65
Car theft is relatively rare in Brooklyn, which is great news for residents. Low rates of auto theft where you live can help to keep your car insurance rates down.
But car theft can happen anywhere no matter where you live. Car insurance helps you pay to repair or replace a stolen or vandalized vehicle, and it pays for any personal belongings that are stolen.
And remember, a few common-sense deterrents can go a long way to prevent auto theft.
- Always lock your car
- Park in well-lit areas
- Consider installing a car alarm or another security device
Find Affordable Car Insurance in Brooklyn
Trusted Choice Independent Insurance Agents take pride in offering affordable, quality car insurance for Brooklyn drivers. Our agents aren't tied down to one carrier. They can get quotes from numerous insurance companies, so you have a variety of affordable policy options.