For a 40-year-old driver with a clean record, car insurance in the Town of Brookhaven averages about $298 a month ($3,571 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% above the New York average of $288 a month. Progressive has the lowest full-coverage average of the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $100 a month.
One insurer pulls the Brookhaven average down: Progressive’s full-coverage average for our driver is about $100 a month here. Without Progressive, the other four major insurers we compared average about $347 a month, compared with $298 with it.
The Town of Brookhaven, in Suffolk County, is home to 485,773 people (2020 Census) and takes in villages such as Patchogue and Port Jefferson and hamlets such as Centereach, Coram, Medford and Shirley. It’s Suffolk County’s largest town, reaching from Long Island Sound to the Atlantic.
Our town figures use the 27 ZIP codes of the communities that lie wholly or mostly in the town, so you can look up your own community below.
Cost data comes from the auto rates insurers file with state regulators, priced across 27 ZIP codes in the Town of Brookhaven, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in the Town of Brookhaven averages $3,571 a year, or about $298 a month, for our benchmark driver. Liability-only coverage at New York’s 25/50/10 minimum averages $1,935 a year ($161 a month), and 50/100/50 liability with comprehensive and collision averages $3,359 ($280 a month).
Progressive has the lowest full-coverage average among the five insurers in our Brookhaven rate data. Five of the eight published 2026 statewide New York rate studies we reviewed also rank Progressive cheapest for full coverage, so we name it, though its lead in our data is wider than in those studies. Two of the others put Erie Insurance first and one NYCM Insurance. For liability-only coverage at 25/50/10 limits, averages run from about $44 to $259 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Brookhaven
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $532 | $44 | $1,203 | $100 |
| GEICO | $1,115 | $93 | $2,843 | $237 |
| Allstate | $2,757 | $230 | $3,920 | $327 |
| State Farm | $2,163 | $180 | $4,156 | $346 |
| Travelers | $3,107 | $259 | $5,733 | $478 |
| USAA (military families)* | $1,417 | $118 | $2,047 | $171 |
| NYCM Insurance* | $1,038 | $87 | $2,720 | $227 |
| Erie Insurance* | $1,491 | $124 | $3,240 | $270 |
| Brookhaven average | $1,935 | $161 | $3,571 | $298 |
This table uses Town of Brookhaven ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Long Islanders usually know their community’s name, not their town’s, so this table lists each community by its post office name and ZIP code. Across the 27 communities we price in the Town of Brookhaven, full coverage for our driver ranges from about $254 a month in East Moriches (11940) to $316 in Medford (11763), a gap of $743 a year.
Lowest-priced Brookhaven communities
Highest-priced Brookhaven communities
Search the table for your community or ZIP code. The last column shows how far each one is above or below the town average.
| Community: | ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. Town Average: |
|---|---|---|---|---|---|---|
| Bellport | 11713 | $1,962 | $164 | $3,567 | $297 | About average |
| Center Moriches | 11934 | $1,786 | $149 | $3,350 | $279 | -6% |
| Centereach | 11720 | $1,972 | $164 | $3,614 | $301 | +1% |
| Coram | 11727 | $2,022 | $169 | $3,650 | $304 | +2% |
| East Moriches | 11940 | $1,526 | $127 | $3,052 | $254 | -15% |
| East Setauket | 11733 | $1,922 | $160 | $3,601 | $300 | +1% |
| Farmingville | 11738 | $1,984 | $165 | $3,618 | $302 | +1% |
| Holtsville | 11742 | $1,971 | $164 | $3,574 | $298 | About average |
| Lake Grove | 11755 | $1,965 | $164 | $3,612 | $301 | +1% |
| Manorville | 11949 | $1,553 | $129 | $3,091 | $258 | -13% |
| Mastic | 11950 | $2,004 | $167 | $3,646 | $304 | +2% |
| Mastic Beach | 11951 | $2,011 | $168 | $3,674 | $306 | +3% |
| Medford | 11763 | $2,084 | $174 | $3,795 | $316 | +6% |
| Middle Island | 11953 | $2,053 | $171 | $3,719 | $310 | +4% |
| Miller Place | 11764 | $1,964 | $164 | $3,616 | $301 | +1% |
| Mount Sinai | 11766 | $1,976 | $165 | $3,645 | $304 | +2% |
| Patchogue | 11772 | $1,936 | $161 | $3,536 | $295 | -1% |
| Port Jefferson | 11777 | $1,914 | $160 | $3,579 | $298 | About average |
| Port Jefferson Station | 11776 | $1,974 | $165 | $3,660 | $305 | +2% |
| Ridge | 11961 | $1,937 | $161 | $3,566 | $297 | About average |
| Rocky Point | 11778 | $1,973 | $164 | $3,631 | $303 | +2% |
| Selden | 11784 | $1,956 | $163 | $3,572 | $298 | About average |
| Shirley | 11967 | $2,013 | $168 | $3,683 | $307 | +3% |
| Shoreham | 11786 | $1,880 | $157 | $3,499 | $292 | -2% |
| Sound Beach | 11789 | $1,977 | $165 | $3,620 | $302 | +1% |
| Stony Brook | 11790 | $1,907 | $159 | $3,585 | $299 | About average |
| Yaphank | 11980 | $2,021 | $168 | $3,665 | $305 | +2% |
Ronkonkoma (11779) is split between Brookhaven and Islip, so we leave it out of the town average; it averages about $297 a month. Wading River and Calverton lie mostly in the Town of Riverhead, so they aren’t included. Looking for the hamlet of Brookhaven? Its ZIP code, 11719, isn’t among the ZIP codes we price, so use a nearby community such as Bellport or Shirley as a guide.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $212 a year on average in our Brookhaven data, with the same $500 deductibles. That’s about $18 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
It depends on the insurer. Comparing the same insurers in the same Brookhaven ZIP codes, full coverage averaged $3,605 a year nine months earlier and $3,571 in rates as of Aug. 31, 2026, a 0.9% drop, but only because Progressive cut its Brookhaven average 21.5%. The other four insurers’ average rose 1.0%: Travelers raised its average 6.9% and Allstate cut its 5.1%, while GEICO’s and State Farm’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 3.4%, led by Allstate, which cut its liability-only average 12.9%.
Suffolk County averages $3,608 a year for full coverage in our data, and the Town of Brookhaven costs a little less, the least expensive of the six Long Island towns we cover.
East Moriches and Manorville cost the least of the town’s communities, at about $254 and $258 a month, while Medford averages $316. Prices depend on where in New York you live, not just on your car and driving record.
More New York cities and towns are in the New York rates by city table, and you can compare states on our car insurance rates by state page.
The Town of Islip, to the southwest, averages $322 a month, and the Town of Huntington, to the west, $318. For the statewide picture, see our guide to New York car insurance rates.
Drivers in Brookhaven follow New York’s rules. Every policy must include at least:
Our New York requirements guide covers no-fault benefits, optional coverage, the 2026 law changes and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from New York law and the New York State Department of Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in the Town of Brookhaven averages about $298 a month ($3,571 a year) and liability-only coverage about $161 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 3% above the New York average of $288 a month. Without Progressive, the average is about $347 a month.
Progressive has the lowest full-coverage average in our Brookhaven rate data, at about $100 a month, followed by GEICO at $237 among the five major insurers we compared. For liability-only coverage, averages run from about $44 to $259 a month. Five of the eight published 2026 statewide New York rate studies we reviewed also rank Progressive cheapest for full coverage; two put Erie Insurance first and one NYCM Insurance. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, compared with the other towns we cover. In our data, the Town of Brookhaven averages about $298 a month for full coverage, the lowest of the six Long Island towns we cover, compared with $400 in the Town of Hempstead. East End communities such as Riverhead, about $237 a month, cost less still.
In our data, East Moriches (11940) has the lowest full-coverage average in the Town of Brookhaven, about $254 a month, and Medford (11763) the highest, about $316. The community table on this page lists all 27.
In our Brookhaven data, full coverage (100/300/100 with $500 deductibles) averages about $298 a month and liability-only coverage at 25/50/10 limits about $161, a difference of about $137 a month ($1,636 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New York law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Brookhaven must carry New York’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries ($50,000 and $100,000 when someone dies) and $10,000 for property damage, $50,000 per person in no-fault coverage and uninsured motorist coverage at the same 25/50 injury limits. New York is a no-fault state for injuries, so your own policy pays your medical bills and lost earnings up to that limit, whoever caused the crash.
It depends on the insurer. Comparing the same insurers and ZIP codes, full coverage in the Town of Brookhaven fell 0.9% over the past nine months, from about $3,605 to $3,571 a year, but only because Progressive cut its price 21.5%. The other four insurers’ average rose 1.0%, and Travelers raised its average 6.9%. Liability-only coverage at 25/50/10 limits fell 3.4%.
For our benchmark driver, full coverage in Brookhaven averages about $298 a month. Nearby, Islip averages about $322, Huntington about $318 and Babylon about $346. Brookhaven is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
