Cheap Car Insurance in Brooklyn, NY

Brooklyn, one of New York City’s five boroughs, is known for its diverse neighborhoods, vibrant arts scene, and historic landmarks. It is located across the East River from Manhattan and is the city’s second-largest borough after Queens.

Brooklyn offers rich cultural experiences at the Brooklyn Museum and Brooklyn Academy of Music. Outdoor lovers can explore Prospect Park, Brooklyn Bridge Park, and Coney Island. Basketball fans can catch the Brooklyn Nets and New York Liberty games. With diverse neighborhoods, Brooklyn offers something for everyone.

According to statistics from the New York City Police Department, Brooklyn has the highest number of motor vehicle collisions among the five boroughs. While car insurance is legally required under New York State law, it also provides crucial financial protection against accidents, theft, and liability for drivers navigating the city’s busy streets.

Discover important information about car insurance in New York, such as typical monthly rates and the penalties for driving without insurance.

In Brooklyn, the average monthly cost for the minimum state-required insurance is $181, while full-coverage insurance is roughly $416 per month—more than twice as much. In comparison, the average national cost for minimum coverage is $64 per month, with full coverage comes in around $220 per month.

What Does It Mean if New York Is a No-Fault State?

New York is a no-fault state. This means all NY drivers must carry Personal Injury Protection (PIP) insurance. This coverage pays for medical expenses after a car accident, regardless of fault.

However, being in a no-fault state does not eliminate liability—liability insurance still applies, but PIP covers medical costs directly.

How Many Fatal Accidents Happen in Brooklyn?

New York experiences an estimated 10-11 million car crashes every year. Most of these accidents only lead to property damage, but approximately 1,100 lead to death. Brooklyn is located in Kings County in New York city. Kings County reported 58 fatal accidents in 2023, with 27 pedestrians among the fatalities. Eleven of the fatal accidents involved bicycles and 13 involved motorcycles. This illustrates how important it is to avoid distracted driving at all times, but especially when in areas where there is heavy pedestrian and bicycle traffic mixed in with motor vehicles.

The most common causes of car accidents are:

Any driver with a registered vehicle in New York must carry a minimum liability car insurance.

According to the New York State Department of Motor Vehicles, the following minimum limits are required:

Brooklyn, NY, does not take it lightly if you are caught driving without insurance. Hefty penalties can be expected:

New York car insurance agents consider several factors when determining your monthly premium.

You are legally required to file an accident report for any car accident that leads to injury or death or causes more than $1,000 of damage, even to your car or property. Not filing the accident report within 10 days of the accident can lead to your license being suspended.

Once you file the report, the accident will show up on your New York driving record. However, whether or not you are at fault for the accident will not appear on your driving record.

After contacting the DMV, you still need to contact your insurance company about the accident if you plan to file a claim for damages. Contact your insurance company as soon as possible so they can create their report while your memory is fresh.