Best car insurance companies in Brooklyn

Geico, USAA and State Farm offer some of the cheapest auto insurance rates in Brooklyn, according to the data Bankrate reviewed provided by Quadrant Information Services. Using these rates and additional factors like customer satisfaction scores from J.D. Power, coverage options and available discounts, we assigned each carrier a Bankrate Score out of 5 points. This comprehensive Score may give you a broad overview of each carrier’s ability to meet your insurance needs.

Insurance company Bankrate Score J.D. Power score (New York region) Average annual premium for full coverage Average annual premium for minimum coverage
Geico 4.4 829/1,000 $2,273 $860
USAA 4.3 891/1,000* $2,982 $1,281
State Farm 4.2 831/1,000 $3,070 $1,653

*Not eligible for official ranking with J.D. Power due to eligibility requirements.

Geico

Geico might appeal to drivers with a few marks on their record, as the carrier typically offers low average rates for high-risk drivers. Geico is one of our 2023 Bankrate Award winners for Best Auto Insurance Company Overall. Although Geico doesn’t have as many endorsement options as some of its competitors, its low average rates in Brooklyn and long list of potential discounts may appeal to drivers looking to save on their premiums.

Learn more: Geico Insurance review

Pros Cons
High financial strength rating from AM Best Limited policy add-on features
Numerous discounts available Does not offer gap insurance

USAA

USAA offers policy options for current military members, veterans and their immediate family. If you meet the eligibility requirements, you will find USAA offers policy coverage options and discounts specifically geared towards military families, although the number of endorsements available may be more limited compared to other carriers. USAA consistently ranks highly with J.D. Power for customer satisfaction, including the highest score in the New York region of the 2022 J.D. Power Auto Insurance Study. However, it should be noted the company is not officially eligible for ranking with J.D. Power due to its eligibility requirements.

Learn more: USAA Insurance review

Pros Cons
Consistently high customer service ratings from J.D. Power Must meet membership requirements
Numerous discounts available No local agents available for in-person policy management

State Farm

State Farm is the largest car insurance company by market share in the U.S. The carrier is our 2023 Bankrate Award winner for Best Auto Insurance Company for High-Risk Drivers, but its options for policy customization and local agent availability may appeal to a wide range of drivers. Potential endorsements include roadside assistance, rideshare coverage and rental car reimbursement. The carrier holds a financial strength rating of A++ (Superior) from AM Best, but coverage is not available in Massachusetts or Rhode Island, which may be an issue for East Coast drivers who move around frequently.

Learn more: State Farm Insurance Review

Pros Cons
Local agents available for in-person service Gap insurance not available
Robust website and mobile app for policy management Average rates may not be as competitive as other carriers in Brooklyn

How to get and keep the cheapest car insurance in Brooklyn

Finding and keeping cheap car insurance may be especially difficult if you live in an area with high average rates, like Brooklyn. However, a few strategies may help you save. You might benefit most from evaluating your carrier and coverage needs when you experience a significant life change like moving, getting married, insuring a teen driver or buying a new vehicle.

  • Shop around. Comparing quotes from different carriers may help you quickly see which company could offer you the lowest rates for your circumstances and coverage needs. Ensuring that each quote you request is for the same coverage types and limits may help you most accurately compare rates.
  • Consider enrolling in a telematics program. Some insurance providers offer telematics or usage-based insurance (UBI) programs, which use a device or mobile app to track your driving behavior. Enrolling in a telematics program and demonstrating safe driving habits may help you save on your premium.