Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Brookhaven, NY
We monitor insurance prices, helping the average driver in Brookhaven save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Brookhaven
The chart below shows the cheapest car insurance company in Brookhaven for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Brookhaven Insurer | Monthly Cost |
|---|---|
| Kemper | $97 |
| Plymouth Rock Assurance | $128 |
| Safeco Insurance | $138 |
| Geico | $144 |
Savings for Every Kind of Brookhaven Driver
Based on our extensive insurance data, we know the average Brookhaven driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $782 per year by choosing the right vehicle insurance company. Some Brookhaven residents are paying out over $2,624 extra every year for auto insurance in Brookhaven. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Brookhaven, NY Savings / Yr. |
|---|---|
$782 |
|
$499 |
|
$997 |
|
$1,008 |
|
$2,470 |
|
$827 |
|
$1,317 |
Brookhaven Car Insurance vs. New York
People living in Brookhaven pay an average of 8.20% more than the typical driver in the state. The average driver in Brookhaven can expect to pay about $1,903 per year, or $2,624 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Brookhaven for most people.
Car Insurance Prices by Brookhaven Neighborhood
Insurance Prices
Where is insurance cheapest within Brookhaven?
The map shows insurance prices in and around Brookhaven, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $343 per year within the city boundaries, with insurance premiums ranging from a high of $2,906 to a low of $2,563. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of Brookhaven.Pick the Best Car Insurance Company for You in Brookhaven
The best car insurance provider for most drivers in Brookhaven
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $782 over the average Brookhaven car insurance company.
The best car insurance provider for Brookhaven drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $499 over the competition.
The best car insurance company for Brookhaven drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $997 better than other car insurance companies.
The best auto insurance for Brookhaven drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,008 less each year.
The least expensive car insurance company for new and young drivers in Brookhaven
In Brookhaven, Progressive costs young drivers $2,470 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Brookhaven
Progressive gave the largest car insurance discounts to married couples, averaging $827 saved each year compared to an average Brookhaven couple's premiums.
The cheapest car insurance in Brookhaven for drivers with bad credit
The best Brookhaven car insurance company for customer service
Nationwide was the best company for customer service in Brookhaven according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Brookhaven, which was better than other insurers.
The cheapest large national provider in Brookhaven
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Brookhaven driver can expect to pay about $183 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Brookhaven, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Brookhaven
What Influences the Cost of Car Insurance in Brookhaven?
On average, car insurance in Brookhaven is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Brookhaven is 43 minutes, which is far more than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Brookhaven are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Brookhaven is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Brookhaven is $159 per month for minimum coverage and $219 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- North Bellport: Insurance costs 7.77% more
- Bellport: Insurance costs 2.55% less
- Shirley: Insurance costs 1.56% more
- East Patchogue: Insurance costs 1.14% less
- Mastic Beach: Insurance costs 2.25% less
- Mastic: Insurance costs 0.04% less
- Yaphank: Insurance costs 6.59% less
- Medford: Insurance costs 2.25% more
- Patchogue: Insurance costs 0.38% less
- North Patchogue: Insurance costs 1.03% less
Cities with Similar Populations
- Grand Ridge: Insurance costs 9.87% less
- Beloit: Insurance costs 41.50% less
- Cooperstown: Insurance costs 14.98% less
- North Collins: Insurance costs 15.97% less
- Northwood: Insurance costs 53.62% less
- Country Lake Estates: Insurance costs 29.23% less
- Grawn: Insurance costs 5.37% more
- Coudersport: Insurance costs 48.32% less
- New Ellenton: Insurance costs 39.44% less
- Euharlee: Insurance costs 32.51% less