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Last updated: February 24, 2026Best Cheap Car Insurance in Brooklyn
Progressive, New York Central Mutual, USAA, GEICO, Travelers, and Erie offer some of our favorite coverages for Brooklyn drivers.
Cheapest
Editor's Rating:
4.7/5
4.7/5
Average Monthly Cost in Brooklyn
- Full Coverage: $272 monthly
- Minimum Coverage: $186 monthly
Best for Federal Employees
Editor's Rating:4.2/5
4.2/5
Average Monthly Cost in Brooklyn
- Full Coverage: $326 monthly
- Minimum Coverage: $190 monthly
Best for Military/Veterans
Editor's Rating:5/5
5/5
Average Monthly Cost in Brooklyn
- Full Coverage: $386 monthly
- Minimum Coverage: Data unavailable
Key Takeaways
- Car insurance in Brooklyn is expensive, costing an average of $6,367 annually for full coverage and $3,045 annually for minimum coverage.
- Progressive has the cheapest full and minimum coverage rates in Brooklyn, on average. NYCM and Erie have the strongest customer service records.
- Keep in mind that these rates are averages, and your quoted rates will likely differ based on individual factors like your age and driving record.
Our Top Picks for the Best Cheap Auto Insurance in Brooklyn
- Cheapest: Progressive
- Best for Military/Veterans: USAA
- Best for Federal Employees: GEICO
- Best for Non-Owners: Travelers
- Best for Households with Teen Drivers: New York Central Mutual (NYCM)
- Best for Claims Handling: Erie
Compare the Best Cheap Auto Insurance in Brooklyn
| Company | Full Coverage Annual Avg. in Brooklyn | Minimum Coverage Annual Avg. in Brooklyn | New York Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| Progressive | $3,264 | $2,229 | Below average |
| GEICO | $3,911 | $2,275 | Above average |
| USAA | $4,636 | Data unavailable | Above average |
| Travelers | Data not available | Data not available | Above average |
| New York Central Mutual | Data not available | Data not available | Not rated |
| Erie | $6,214 | $2,906 | Above average |
| Brooklyn | $6,367 | $3,045 | – |
FYI:
New York is a mandatory insurance state, which means you need car insurance to register your vehicle in New York.
Breaking Down the Best Cheap Auto Insurance in Brooklyn
1. Progressive - Cheapest
4.7
Editor's Rating:
- Average Rate for Minimum Coverage
- $59 mo.
- Average Rate for Full Coverage
- $172 mo.
- Cheapest rates in Brooklyn
- Many discounts
- Coverage for DoorDash and Uber/Lyft drivers
Mixed reviews for customer service- Gap insurance won’t necessarily cover full amount owed
Why we chose it
Progressive is the second-largest auto insurance provider in the United States, and offers some of the most affordable rates in Brooklyn. For both minimum and full coverage policies, it has the cheapest rates of all providers reviewed here. It also has below-average rates for drivers with DUIs in New York, as well as other high-risk drivers.
DID YOU KNOW?
Fines for texting and driving in New York can range anywhere from $50 to $450, depending on your prior offenses. You’ll also receive five points to your driving record.
Progressive offers many discounts and advertises that 99 percent of drivers qualify for at least one, meaning customers in Brooklyn can likely lower their premiums even further.
As well as cheaper than average premiums, Progressive offers a robust selection of discount options, including for having continuous coverage, being a homeowner, being a teen driver, and insuring multiple cars.
Who it’s best for
Drivers on a budget, rideshare drivers, drivers with DUIs
Progressive Brooklyn Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $272 | $186 |
| Annually | $3,264 | $2,229 |
| Difference from Brooklyn average | -49% | -27% |
2. USAA - Best for Military/Veterans
5
Editor's Rating:
- Average Rate for Minimum Coverage
- $36 mo.
- Average Rate for Full Coverage
- $122 mo.
- Membership available to children and grandchildren of members
- Non-owner policies available
- Good track record for customer satisfaction
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA offers cheaper than average rates in Brooklyn, without compromising on service. It scored well above average in J.D. Power’s New York customer satisfaction survey, and for claims satisfaction nationally. It also offers non-owner insurance, which is wise to purchase if you don’t own a car, but rent them or participate in carshares (like Zipcar or Turo) frequently.
Who it’s best for
Membership is available to military members, veterans, and their families, which includes spouses, children, and grandchildren. If you or a member of your family is eligible, it’s worth getting a quote.
USAA Brooklyn Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $386 | Data unavailable |
| Annually | $4,636 | Data unavailable |
| Difference from Brooklyn average | -27% | – |
3. GEICO - Best for Federal Employees
4.2
Editor's Rating:
- Average Rate for Minimum Coverage
- $46 mo.
- Average Rate for Full Coverage
- $151 mo.
- Fast online quotes
- Above-average customer satisfaction ratings in NY
- Cheaper-than-average rates
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
GEICO is known nationally and in New York for its cheaper-than-average premiums. In Brooklyn, GEICO is the second-cheapest provider on our list after Progressive. It also has excellent digital tools, offering a seamless online quote process and ways to manage your policy online.
GEICO has a long list of discounts to bring down premiums, but its driver affiliation discounts — with over 500 groups, including businesses, alumni associations, and fraternities and sororities — stand out. Current or retired federal employees may be eligible for a discount of up to 12 percent, while active or retired members of the Military, National Guard, or Reserves may be eligible for a discount of up to 15 percent on certain coverages.
Who it’s best for
Drivers with clean records; federal employees, military members, and members of other affiliate groups; those with poor credit
GEICO Brooklyn Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $326 | $190 |
| Annually | $3,911 | $2,275 |
| Difference from Brooklyn average | -39% | -25% |
4. Travelers - Best for Non-Owners
4.1
Editor's Rating:
- Average Rate for Minimum Coverage
- $57 mo.
- Average Rate for Full Coverage
- $138 mo.
- Above-average customer service in NY
- Affordable non-owner policies
- Wide range of coverage options
- Average satisfaction scores
- Limited agent density in some regions
Why we chose it
In New York City, there is less than one vehicle per household (one of the lowest vehicle ownership rates among major U.S. cities)1, making carshare services a popular transit option in Brooklyn. For Brooklynites who like to get around in rentals, carshares, or borrowed cars, Travelers offers affordable non-owner insurance, which provides liability coverage for injuries and damages you cause to others. It does not cover damage to the vehicle you are driving.
In addition to non-owner insurance, Travelers has many other add-on coverage options, including gap insurance, accident forgiveness, and new car replacement. It also ranked above average for customer satisfaction in New York in J.D. Power’s most recent study.
Who it’s best for
Drivers of new cars, those looking for specialized add-ons like accident forgiveness, people who want to bundle their home/renters and auto policies
5. New York Central Mutual (NYCM) - Best for Households with Teen Drivers
- Strong customer service record
- Network of local agents
- Accident forgiveness program
- Limited footprint
- Agent-only
- Modest mobile tools
Why we chose it
New York Central Mutual, also known as NYCM Insurance, is a regional insurer exclusive to New York State and offers affordable rates and exceptional customer service. While pricing data isn’t available for Brooklyn specifically, it has some of the lowest average rates in New York, including for teen drivers.
Among the coverage options available is new car replacement, which is available for vehicles less than three years old and is particularly valuable if you also have a young driver on your policy, as they are at a higher risk of accidents. NYCM also has an accident forgiveness program for policyholders who have multiple policies and have been with the company for at least three years, or policyholders who have been with the company for at least five years if they don’t bundle.
Who it’s best for
Those who prioritize customer service, young drivers, new car owners
6. Erie - Best for Claims Handling
5
Editor's Rating:
- Average Rate for Minimum Coverage
- $47 mo.
- Average Rate for Full Coverage
- $153 mo.
- Stellar reputation for claims handling
- Independent agents
- Option to lock in your rate
- Agent-only
- Fewer online features
Why we chose it
Erie’s auto insurance coverage is only available in 13 states, including New York. The company earned the fourth spot on the 2026 CRASH Network Report Card with an overall grade of A- and ranked first in J.D. Power’s most recent Auto Claims Satisfaction Study, highlighting its excellent claims service. It also has an excellent financial strength rating from AM Best.
One of Erie’s unique offerings is its RateProtect policy, which is designed specifically with New York customers in mind. Erie RateProtect means your auto insurance rates won’t increase for a small claim like a fender bender. It also provides lower rates over time if your record remains clean. Erie also has a car storage discount, which can help you save money if you won’t be using your car for long periods of time, such as if you’re deployed or living abroad.
Who it’s best for
People who value excellent customer service, drivers storing their vehicles long-term, people looking for robust coverage options
Erie Brooklyn Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $518 | $242 |
| Annually | $6,214 | $2,906 |
| Difference from Brooklyn average | -2% | -5% |
Brooklyn Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – New York2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| Progressive | 634 | C | 673 | 2.79 |
| USAA | 734 | C- | 741 | 3.10 |
| GEICO | 637 | C- | 697 | 1.55 |
| Travelers | 645 | C | 691 | 0.30 |
| New York Central Mutual | 652 | Not rated | Not rated | 0.54 |
| Erie | Not rated | A- | 743 | 1.29 |
| Average | 636 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Brooklyn
Progressive offers the lowest full coverage rates in Brooklyn, with an average annual premium of $3,264. That’s 49 percent cheaper than the borough average. GEICO and USAA have the next-cheapest rates at $3,911 annually and $4,636 annually, respectively.
| Company | Annual Brooklyn Average | Monthly Brooklyn Average |
|---|---|---|
| Progressive | $3,264 | $272 |
| GEICO | $3,911 | $326 |
| USAA | $4,636 | $386 |
| Allstate | $5,069 | $422 |
| Erie | $6,214 | $518 |
| State Farm | $6,995 | $583 |
| Brooklyn average | $6,367 | $531 |
| New York average | $2,882 | $240 |
| U.S. average | $2,356 | $196 |
Cheapest Minimum Coverage Car Insurance in Brooklyn
For minimum coverage car insurance in Brooklyn, Progressive also offers the cheapest rates. Its average annual rate is $2,229, compared to the overall Brooklyn average of $3,045. GEICO also offers competitive rates in the borough.
| Company | Annual Brooklyn Average | Monthly Brooklyn Average |
|---|---|---|
| Progressive | $2,229 | $186 |
| GEICO | $2,275 | $190 |
| Erie | $2,906 | $242 |
| Allstate | $3,074 | $256 |
| State Farm | $4,872 | $406 |
| Brooklyn average | $3,045 | $254 |
| New York average | $1,249 | $104 |
| U.S. average | $722 | $60 |
How Many Car Accidents Happen in Brooklyn?
There were 24,289 car accidents in Brooklyn in 2025, according to the latest NYPD data.6 These accidents resulted in 60 deaths and 13,968 injuries. Of those killed, one was a cyclist, 19 were motorcyclists, and 38 were pedestrians. Brooklyn had the most car accidents of any of the five NYC boroughs in 2025.
Minimum Auto Insurance Requirements in New York
New York State requires that drivers carry auto insurance policies with at least the following minimum coverage limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Death: $50,000 per person/$100,000 per accident
- Property damage liability: $10,000 per accident
- Uninsured motorist coverage: $25,000 per person/$50,000 per accident
- Personal injury protection: $50,000 per person
Because New York is a no-fault state, it requires PIP insurance in addition to the standard liability coverages. Under no-fault systems, each driver’s insurer is responsible for paying for their medical expenses resulting from an accident, even if they were not at fault. PIP insurance helps cover these costs. New York also requires uninsured motorist coverage, which is valuable if you’re in an accident with someone who doesn’t have insurance, as well as death liability coverage.
Frequently Asked Questions
Yes. New York is one of the many states where providers can use credit history when determining premiums. If you have poor credit, you can get quotes from a few different insurers to find the lowest rate for your preferred coverage level.
On average, car insurance in Brooklyn is $531 monthly ($6,367 annually) for full coverage and $254 monthly ($3,045 annually) for minimum coverage.
We found that Progressive and GEICO have some of the cheapest car insurance rates in New York.
Brooklyn has the highest car insurance rates of all the boroughs in New York.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average full and minimum coverage premiums for safe drivers with good credit in Brooklyn. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Personal injury protection: $50,000
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): Customers expect their insurers to handle claims quickly and fairly. We assess insurance companies’ claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Auto Claims Satisfaction Study, and financial strength from sources like AM Best.
- Customer experience (25%): We assess various aspects of the customer experience, including the process of getting a quote and purchasing coverage. We also look at the availability and quality of online and agent support, as well as the website and mobile app user experience. Our analysis uses insights from J.D. Power, the NAIC Complaint Index, BBB ratings, and app store reviews.
- Coverage options (10%): We consider each company’s coverage options and prioritize those with offerings beyond the state-required minimums, like new car replacement, gap coverage, non-owners coverage, and more.
Read more about our ratings and methodology.
Sources
Car Ownership in NYC: By the Numbers. HunterUrban.org. (2022).
https://www.hunterurban.org/wp-content/uploads/2024/06/Car-Light-NYC-Infographics-May-2024.pdfTrust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, JD Power Finds. JD Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmMotor Vehicle Collisions – Crashes. NYC OpenData. (2026, Feb 16).
https://data.cityofnewyork.us/Public-Safety/Motor-Vehicle-Collisions-Crashes/h9gi-nx95/about_data
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