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Get Cheap Car Insurance in Gravesend-Sheepshead Bay, Brooklyn, NY

We monitor insurance prices, helping the average driver in Gravesend-Sheepshead Bay save up to 32.6% on car insurance.

 

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The Cheapest Minimum Coverage in Gravesend-Sheepshead Bay

The chart below shows the cheapest car insurance company in Gravesend-Sheepshead Bay 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.

 
Gravesend-Sheepshead Bay Insurer Monthly Cost
Kemper $119
Plymouth Rock Assurance $158
Safeco Insurance $170
Geico $178

Savings for Every Kind of Gravesend-Sheepshead Bay Driver

The table shows how much the average auto insurance customer in Gravesend-Sheepshead Bay might save by following our recommendations.

Based on our extensive insurance data, we know the average Gravesend-Sheepshead Bay 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 $964 per year by choosing the right vehicle insurance company. Some Gravesend-Sheepshead Bay residents are paying out over $3,232 extra every year for auto insurance in Gravesend-Sheepshead Bay. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Gravesend-Sheepshead Bay, Brooklyn, NY Savings / Yr.
Drivers with good records
$964
Drivers with accidents
$614
Drivers with speeding tickets
$1,228
Drivers with a DUI conviction
$1,242
Young drivers
$3,043
Married drivers
$1,018
Drivers with bad credit
$1,622

Gravesend-Sheepshead Bay Car Insurance vs. Brooklyn

People living in Gravesend-Sheepshead Bay pay an average of 33.29% more than the typical driver in the state. The average driver in Gravesend-Sheepshead Bay can expect to pay about $2,344 per year, or $3,232 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Gravesend-Sheepshead Bay for most people.

Car Insurance Prices by Gravesend-Sheepshead Bay Neighborhood

Gravesend-Sheepshead Bay, Brooklyn, NY map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Gravesend-Sheepshead Bay?

The map shows insurance prices in and around Gravesend-Sheepshead Bay, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $952 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,535 to a low of $2,583. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Northeast parts of Gravesend-Sheepshead Bay.

Pick the Best Car Insurance Company for You in Gravesend-Sheepshead Bay

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Gravesend-Sheepshead Bay insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Gravesend-Sheepshead Bay

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $964 over the average Gravesend-Sheepshead Bay car insurance company.

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We use the average good driver, paying $189 per month, as our baseline for pricing in Gravesend-Sheepshead Bay. Kemper, Erie Insurance, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Gravesend-Sheepshead Bay drivers with accidents on their records

In Gravesend-Sheepshead Bay getting into an accident will raise premiums an average 5.2% for a yearly cost of $3,411. That's $179 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $614 over the competition.

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The best car insurance company for Gravesend-Sheepshead Bay drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $1,228 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Gravesend-Sheepshead Bay, tickets raise premiums on new quotes about $697. If you have a speeding ticket, we recommend Progressive, Kemper, and Plymouth Rock Assurance for savings that beat the average insurance cost of $3,929 per year.

The best auto insurance for Gravesend-Sheepshead Bay drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,445 per year in auto insurance premiums, which was $1,213 more than a driver with no major issues. Progressive, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Progressive may cost the average person with a DUI about $1,242 less each year.

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The least expensive car insurance company for new and young drivers in Gravesend-Sheepshead Bay

In Gravesend-Sheepshead Bay, Progressive costs young drivers $3,043 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Gravesend-Sheepshead Bay. With an average cost of $9,523 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Progressive try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Gravesend-Sheepshead Bay

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $111. State Farm, Geico, and Progressive provided the largest discounts to couples living in Gravesend-Sheepshead Bay.

Progressive gave the largest car insurance discounts to married couples, averaging $1,018 saved each year compared to an average Gravesend-Sheepshead Bay couple's premiums.

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The cheapest car insurance in Gravesend-Sheepshead Bay for drivers with bad credit

People with poor credit saved an average of $1,622 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $2,051 every year. Premiums for people with poor credit were about $5,283 in Gravesend-Sheepshead Bay. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Allstate, and Plymouth Rock Assurance.

The best Gravesend-Sheepshead Bay car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Gravesend-Sheepshead Bay, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Gravesend-Sheepshead Bay.

Nationwide was the best company for customer service in Gravesend-Sheepshead Bay according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Gravesend-Sheepshead Bay, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Gravesend-Sheepshead Bay. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Gravesend-Sheepshead Bay

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 53% of Gravesend-Sheepshead Bay residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Gravesend-Sheepshead Bay driver can expect to pay about $183 per month.

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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 Gravesend-Sheepshead Bay, 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.
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Auto Insurance Prices in and Around Gravesend-Sheepshead Bay

What Influences the Cost of Car Insurance in Gravesend-Sheepshead Bay?

On average, car insurance in Gravesend-Sheepshead Bay 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 neighborhood are influenced by the following factors:

  • The average commute time in Gravesend-Sheepshead Bay is 59 minutes, which is far more than average for a driver in the city.
  • 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 Gravesend-Sheepshead Bay are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Gravesend-Sheepshead Bay is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Gravesend-Sheepshead Bay is $195 per month for minimum coverage and $269 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Gravesend-Sheepshead Bay driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Gravesend-Sheepshead Bay with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.