The state of New York requires all licensed drivers to have some level of car insurance covering their vehicle. Car insurance provides you with financial protection against damage or injury that you or your car receive during a traffic collision or other incidents. It’s not only legally required to have, but it’s also a means of having a peace of mind while on the road.
Car insurance doesn’t have to be overly pricey, either, and if you live in Brooklyn, you may have the option of cheaper rates. In New York, you’ll find the following minimum coverage limits:
- $50,000 PIP
- $25,000 bodily injury liability per person
- $10,000 property damage liability per accident
- $50,000 liability for death per person
- $100,000 liability for death per accident
- $50,000 bodily injury liability per accident
- $50,000 UMBI per accident
- $25,000 UMBI per person
Now that you know what you’re required to have for insurance, here’s all you need to know about where you can find cheap car insurance in Brooklyn, which companies offer good rates, and all the coverage types that you can receive with each company.
Types of Insurance Coverages
Here are the four types of standard car insurance coverage options that you can choose from:
Liability
Liability coverage can pay for any damages or injuries that you cause while you’re driving, up to the limits of your policy. You’ll have bodily injury liability, which pays for someone else’s medical expenses if you’re liable for the car accident. You’ll also have property damage liability, which pays for damage to someone else’s car or someone else’s property if you’re liable.
Collision
Collision coverage can cover the cost of repairs to your car or for a replacement car if you’re in a collision with another car, tree, fence, or other large object. This type of coverage pays for all repairs or replacements after your deductible.
Uninsured/Underinsured
Uninsured and underinsured coverage can cover bodily injury or motorist property damage. If an at-fault driver doesn’t have insurance, but you have insurance, your insurance will pay for your expenses, including bodily injury or property damage-related expenses. If an at-fault driver’s insurance coverage has limits, but you have underinsured insurance, your insurance will pay for the expenses.
Comprehensive
Comprehensive coverage can cover your car in events that are out of your control, such as natural disasters, theft, or vandalism. If you experience any of these things, this type of coverage will pay for all damages.
Cheap Insurance Options in Brooklyn
Brooklyn drivers can find great deals on car insurance. It’s important to note that coverages, deductibles, and limits vary based on your zip code, driving record, and the number of cars on your policy. Here are several cheap insurance options you can find in Brooklyn and all that they cover:
Progressive
Progressive offers affordable car insurance options for drivers in Brooklyn with many coverage items, including:
- Liability (bodily and property damage)
- Collision
- Comprehensive
- Medical payments
- Rental car reimbursement
- Custom parts and equipment value
- Loan/lease payoff
- Deductible savings bank
- Roadside assistance
- Rideshare coverage
For full car insurance coverage, if you have a good driving record, you can pay about $2355 a year, or about $196 a month. You can get a quote from Progressive online to learn what your specific premium payment will be. If you bundle car insurance with other coverage, such as house insurance, you can save 4%.
State Farm
State Farm offers some cheap insurance coverage options for the following items:
- Collision
- Comprehensive
- Liability ( Bodily and property damage)
- Emergency roadside assistance
- Rideshare
- Rental
- Uninsured motorist
- Medical payments
- Underinsured motorist
If you want full car insurance coverage, you can expect to pay about $2544 a year, or $212 a month, if you have a clean driving record. Different types of coverage can provide you with different levels of financial protection, so it’s important to choose coverage that you feel would best benefit you. You can get a quick quote online to see what you, specifically, would pay each month.
Geico
Geico offers affordable insurance coverage options for a number of items, including:
- Liability (bodily and property damage)
- Medical
- Collision
- Comprehensive
- Emergency road service
- Rental reimbursement
- Mechanical breakdown
- Underinsured motorist
- Uninsured motorist
If you’d like full car insurance coverage, you can expect to pay about $2461 a year, or $205 a month, if you’re determined a good driver. You can get a car insurance quote online to learn how much you’d pay Geico each month based on your prior driving history, the number of cars on your policy, and other factors.
Allstate
Allstate is another car insurance provider that offers insurance coverage options for the following:
- Collision
- Liability (b odily and property damage)
- Medical payments
- Roadside
- Personal injury protection (PIP)
- Underinsured motorist
- Uninsured motorist
- Personal umbrella policy
- Rental reimbursement
With Allstate, you can expect to pay something similar to $3721 a year, or $310 a month, depending on if you’re a high-risk driver, cover multiple people under your policy, or have add-ons, for full car insurance coverage. You can get a fast and free quote online to determine how much you’d spend on insurance each month with Allstate. You also have the option of bundling insurance packages, such as bundling car insurance and renter’s insurance, for instance, if you’d like. You may be able to receive a discount if you do.
NYCM
NYCM is another insurance agency that offers affordable car insurance for drivers in Brooklyn. This company offers insurance coverage options for the following:
- Liability (b odily and property damage)
- Optional Basic Economic Loss (OBEL)
- Supplementary Uninsured Motorist
- Medical payments
- Collision
- Personal Injury Protection (PIP)
- Statutory Uninsured Motorist
You can expect to pay about $3272 a year, or $273 a month, with NYCM car insurance if you have a clean driving record and choose a standard insurance plan. If you’d like, you can get a quote online to learn exactly what you’d pay each month for car insurance based on your driving record and the package you choose.
There you have it: your cheapest car insurance options in Brooklyn. You can get quotes from each insurance company and compare them side-by-side to see which one will be most affordable for you based on your current driving situation, where you live, and how you drive. If we missed any of the cheapest car insurance options for drivers in the Brooklyn area, let us know in the comments, and we’ll be sure to check it out and add it to our list.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
