Best Cheap Auto Insurance in the Bronx, New York (2024)

Getting the best car insurance in the Bronx can be expensive, but many insurers offer a range of discounts to lessen your costs.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated March 1, 2024 at 11:00 AM PST

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The best car insurance in the Bronx for you might not be the lowest rate or offer the largest range of coverage options. Instead, the best auto insurance for you depends on your unique coverage needs and budget to find a plan that best matches your goals.

The average cost of car insurance in the Bronx is $623 per month, with average liability-only insurance rates at $591 and average full-coverage rates at $655, according to Insurify data.

However, you can find lower-cost options, even with poor credit scores or a checkered driving history. Here’s how to find them and determine the best car insurance plan to match your needs in the Bronx.

Quick Facts
  • Drivers in New York are required to carry minimum liability insurance coverage.

  • Different driving offenses can raise your premiums, with speeding tickets causing smaller rate increases than at-fault accidents and DUIs. 

  • Car insurance premiums in the Bronx, on average, are more expensive than in many other major metropolitan areas. But rates are lower than those paid in Brooklyn on average.

Best car insurance companies in the Bronx

The best auto insurer in the Bronx is the one that you can depend on for the coverage you need at the rate you want. Below, you’ll find some of the top performers based on several different criteria.

Find Car Insurance in the Bronx

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Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Insurance CompanyBest ForAverage Quote: Liability OnlyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
ProgressiveOverall$5354.1
SafecoBest value$3013.8
TravelersMost affordable$2524.3
Liberty MutualCommuters$5043.8
Midvale Home & AutoFamilies$3883.2
State FarmStudentsN/A4.4
GEICOBusiness ownersN/A4.3
Bristol WestHigh-risk drivers$9162.2
FarmersLuxury-car ownersN/A3.8
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best car insurance overall: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$248/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$363/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Help lower my cost.

Reine - December 4, 2023
Verified

Excellent customer service.

Cheryl - December 3, 2023
Verified

Best overall insurance cost with options to easily change as needed.

Jeffrey - December 3, 2023
Verified
Read our Progressive review

Drivers in the Bronx insured with Progressive pay an average of $535 per month for liability-only insurance. Although it’s a more expensive option compared to some competitors, its high IQ Score of 4.3 makes it one of the industry’s top-rated insurers.

However, drivers in the Bronx who need specific car insurance perks might be unhappy that Progressive only lists 12 on its website. Progressive also has a lower-than-average J.D. Power score for customer satisfaction.[1]

Pros
  • Long history in the auto insurance industry

  • Snapshot telematics program rewards good driving

  • Coverage that travels with you

Cons
  • Higher-than-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC)[2]

  • Specific eligibility criteria for accident forgiveness programs

  • Large insurer lacks boutique service feel

Best value car insurance in the Bronx: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$146/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$216/mo

Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.

Pros
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

Safeco provides the best value insurance for Bronx drivers, according to Insurify data. Its average rate for liability-only insurance is $301 per month — one of the lowest rates available in the Bronx. Safeco also has a high IQ Score of 3.8, setting it apart from many competitors.

Safeco is one of the cheapest car insurance companies in the Bronx and might be a better fit for some drivers than picking the cheapest option.

Although it has below-average customer service ratings and offers fewer discounts than competitors, its small yet significant perks — like diminishing deductibles, claim-free cash back programs, and access to a Guaranteed Repair Network — offer exceptional value.

Pros
  • Backed by Liberty Mutual

  • A.M. Best rating of A[3]

  • Offers strong discount potential

Cons
  • Limited discounts

  • Low customer service ratings

  • Larger insurer lacking boutique service feel

Most affordable car insurance in the Bronx: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$406/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$595/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

Superior customer service.

Susan - November 25, 2023
Verified

They are the best.

David - November 15, 2023
Verified

I have no tickets and no accidents, yet my premiums keep going up every year.

Deborah - October 26, 2023
Verified
Read our Travelers review

Travelers is the most affordable option for drivers in the Bronx, especially for those who qualify for one or more of its 12 available discounts.

Drivers in the Bronx insured with Travelers pay an average of $252 per month for liability-only insurance. The company also has a high IQ Score, making this affordable car insurance company a top choice.

Pros
  • Lowest rates available

  • A++ A.M. Best rating[4]

  • Above-average J.D. Power score[1]

Cons
  • Rates may vary depending on driver profile

  • No mileage-based discounts

  • Below-average customer satisfaction ratings

Best car insurance in the Bronx for commuters: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$207/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$285/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

The only thing is pricing and checking with other carriers for pricing!!! Liberty Mutual has all of them beat.

William - December 1, 2023
Verified

Wasn't consistent with price from year one to year two.

Lester - November 30, 2023
Verified

Best service there is.

H - November 27, 2023
Verified
Read our Liberty Mutual review

When it comes to commuter car insurance in the Bronx, Liberty Mutual can be a good fit for certain drivers. Its customizable coverage options allow drivers to select coverages based on their needs, such as collision, comprehensive, and gap coverage.

Liberty Mutual does have low J.D. Power customer satisfaction ratings, though it compensates with a number of safe driver discounts.

Drivers in the Bronx insured with Liberty Mutual pay an average of $504 per month for liability-only insurance, which is lower than the city average of $591. The company has a higher IQ Score of 3.8.

Pros
  • Discounts for safe drivers

  • Accident forgiveness program

  • Customizable coverage

Cons
  • Lower J.D. Power rating[1]

  • No rideshare coverage available

  • Average customer satisfaction scores

Best car insurance in the Bronx for families: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$212/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$281/mo

Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.

Pros
  • Backed by the financial strength of American Family

  • Optional gap insurance and roadside assistance available

Cons
  • Can’t get a quote online – must call an agent

  • Poor customer reviews with Better Business Bureau

Midvale isn’t the cheapest car insurer in the Bronx, but its mid-range rate is still lower than many of its competitors’ rates. Discount options for good students, paperless payments, and multiple products and vehicles offer savings for multiple members of the family.

Drivers in the Bronx insured with Midvale Home & Auto pay an average of $388 per month for liability-only insurance. The company has an IQ Score of 3.2, which is lower than average. Midvale’s B+ score from the Better Business Bureau (BBB) is also below the A rating that many competitors have.

Pros
  • Offers family-focused discounts

  • Optional coverages available, like emergency roadside assistance

  • More affordable monthly rate than many competitors

Cons
  • Doesn’t have the cheapest coverage options in the Bronx

  • B+ BBB rating with negative reviews[5]

  • Lower-than-average IQ Score

Best car insurance in the Bronx for students: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$115/mo

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

State Farm is a national insurer that has a strong financial rating through A.M. Best and a long-standing reputation in the industry. When it comes to insuring students, State Farm offers discounts for drivers age 25 and younger, students with good grades, and another for students who are away at school.

State Farm has a 4.4 IQ Score, the second-highest score out of 42 insurers Insurify rated.

Pros
  • Two discounts for qualifying drivers younger than 25

  • A.M. Best rating of A++ (Superior)[6]

  • Bundling options

Cons
  • No gap insurance

  • Premiums may be more expensive

  • Limited discounts overall compared to competitors

Best car insurance in the Bronx for business owners: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

GEICO is a national brand that offers a wide range of insurance products, including both car insurance for the Bronx and business insurance. These include options like BOP, CGL, and commercial auto insurance. Many competitors don’t offer business insurance, and GEICO also offers discounts for members of certain business organizations.

GEICO’s 4.3 IQ Score also helps elevate it as a good choice for business owners in the Bronx.

Pros
  • Offers business and auto insurance

  • National coverage

  • A.M. Best rating of A++ (Superior)

Cons
  • Business insurance available through a partner agency

  • Gap insurance not available

  • Poor customer service reviews from Trustpilot[7]

Best car insurance in the Bronx for high-risk drivers: Bristol West

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$405/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$466/mo

Florida-based Bristol West Insurance Company started selling car insurance in 1973. Farmers Insurance now owns the company, which provides private car insurance in 43 states. Bristol specializes in writing policies for difficult-to-insure drivers – for example, those who’ve had a DUI or a lapse in coverage. In addition to liability, collision and comprehensive, Bristol offers optional coverages like rideshare insurance, and rental car coverage. A.M. Best gives Bristol an A rating for financial strength and credit. However, the company has a higher-than average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.

Pros
  • Provides coverage for difficult-to-insure drivers

  • Offers rideshare coverage as an extension of your personal policy

Cons
  • Drivers with moving violations pay very high rates

  • Lower than average customer satisfaction

Overall great service. The price got too high.

Mike - November 14, 2023
Verified

They are a little higher. They don't have roadside options, and for what they charge, it should be included.

DANA - November 9, 2023
Verified

Good company for insurance.

James - November 9, 2023
Verified
Read our Bristol West review

High-risk drivers in the Bronx should look to Bristol West. It works with drivers that other insurers may reject, including those with a DUI, traffic violations, and bad credit.

Drivers in the Bronx insured with Bristol West pay an average of $916 per month for liability-only insurance. This is the highest average rate among the Bronx car insurance companies Insurify compared. It also has one of the lowest IQ Scores, at 2.2.

With high premiums and limited discounts, Bristol West still may be the best for high-risk drivers who can’t secure a liability-only policy elsewhere.

Pros
  • Provides SR-22 filing

  • Offers coverage for drivers with bad credit

  • Accepts customers with negative driving records

Cons
  • High premiums

  • Limited discounts

  • Poor customer service reviews

Best car insurance in the Bronx for luxury-car owners: Farmers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$110/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$250/mo

The seventh largest insurer in the U.S., Farmers has been in business for more than 100 years. The company offers about 30 different types of insurance, including auto, home, renters, flood, earthquake, life, and business insurance. Farmers offers numerous discounts, including for multiple cars, safe driving, anti-theft equipment, and bundling. Swiss insurer Zurich Insurance owns Farmers. With an A rating from A.M. Best for financial stability, Farmers has mixed online reviews from customers, and about four times as many complaints as expected in the National Association of Insurance Commissioners Customer Complaint Index.

Pros
  • Many discounts

  • Robust roadside assistance program

Cons
  • Lower customer satisfaction

  • Tends to have higher premiums than some competitors

For over a month, I have been trying to get just two vehicles on my policy, and they can’t get it right. And they are impossible to get ahold of. Very frustrating.

Joel - December 1, 2023
Verified

As a company, they were wonderful, but they jacked up their rates so high for me to stay with them. They require you to pay two months in advance, which is $500, which was out of my price range. I just don’t understand why they do that.

jessica - November 27, 2023
Verified

They treated me well.

Karen - November 21, 2023
Verified
Read our Farmers review

Farmers is a good choice for luxury-car owners in the Bronx. It has an IQ Score of 3.8 and an A rating from A.M. Best.[8]

Farmers offers collectible and classic car insurance, which is useful for luxury-car owners with vintage rides. Even newer luxury-car models can be catered to with Farmers’ standard insurance offerings, which include customized equipment coverage and original equipment manufacturer coverage.

Pros
  • Offers several discounts

  • Robust roadside assistance

  • Offers collectible auto coverage

Cons
  • No gap coverage

  • Mixed customer reviews

  • Other policies may be more affordable

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information.

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With this information, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for the Bronx drivers.

Learn More: Car Insurance Rates by State

Learn More: Car Insurance Rates by State

How to shop for the best car insurance in the Bronx

When shopping for car insurance in the Bronx, consider your risk level for accidents. You should also consider:

  • If your needs include special optional coverages, like rideshare insurance

  • Customer service and satisfaction reviews

  • The methods of communication an insurer uses or doesn’t use

The best car insurance in the Bronx may not be the cheapest rate or the largest insurer; rather, it’ll be the one that most accurately serves your needs.

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How to get the cheapest car insurance in the Bronx

Finding the cheapest car insurance in the Bronx requires hard work and research. Some companies offer lower rates than others based on your unique driving history and coverage needs. However, you can immediately lower your car insurance in several ways, including:

  • Take advantage of low-mileage discounts.

  • Reduce your coverage limits.

  • Raise your deductible.

  • Keep your driving record clean.

  • Compare rates regularly.

Just because you have an affordable policy now doesn’t mean it’ll be the cheapest rate by next year. Insurer rates change, and so does your driving profile. Shopping around with other insurers allows you to see if you qualify for a lower rate.

Liability-only vs. full-coverage insurance in the Bronx

As a driver in the Bronx, you must meet New York’s minimum liability insurance coverage required by law. This coverage pays for the damages you cause during an at-fault accident and includes:

  • $10,000 for property damage per accident

  • $25,000 for bodily injury and $50,000 for death per person

  • $50,000 for bodily injury and $100,000 for death for two or more people per accident

If you use public transportation to commute or you don’t own a vehicle, you may only need liability coverage. If you commute to work, you may want to purchase a full-coverage policy.

Full-coverage policies include collision coverage, which pays for damage to your vehicle when you cause an accident or hit something like a telephone pole, and comprehensive coverage, which pays for damage from incidents like extreme weather or vandalism.

Loretta Worters, vice president of media relations for the Insurance Information Institute, notes that congested areas like the Bronx have a greater risk of accidents and threats than less-congested areas.

“It’s important to have comprehensive coverage to protect your car from vandalism, something that happens often in places like the Bronx,” she says. “Comprehensive also helps cover theft of the car itself, stolen car parts (airbags and catalytic converters are a big target today), or damage caused by the break-in, like broken windows or door locks.”

Here’s a look at the cheapest auto insurance in New York by policy type. You’ll see that Travelers is immensely cheaper than Bristol West, likely because Bristol West works with high-risk drivers, while Liberty Mutual and Progressive are priced similarly.

Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full Coverage
Travelers$252$240
Safeco$301$405
Midvale Home & Auto$388$452
Liberty Mutual$504$628
Progressive$535$630
Bristol West$916$1,134
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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New York car insurance rates by driving and accident history

Nearly every traffic violation, at-fault accident, and claim will affect your insurance rates. While some insurers have programs like accident forgiveness or discounts for safe driving, you should be aware of how heavily certain incidents can affect your rates.

For example, a speeding ticket will likely raise your rates because speed is often a contributing factor in car crashes and vehicle fatalities. An at-fault accident is more serious to insurers because the incident is more severe and expensive for the insurer.

Driving under the influence of drugs or alcohol, even prescribed medications, will often increase your rates dramatically because these substances impair your ability to drive. Many accidents and deaths are caused by incidents in which one driver is driving under the influence.

Here’s a look at average monthly quotes for the cheapest car insurance in New York based on driving and accident history.

Insurance CompanyClean RecordAt-Fault AccidentDUISpeeding Ticket
Travelers$240$343$477$321
Safeco$405$579$805$542
Midvale Home & Auto$452$646$899$605
Liberty Mutual$628$898$1,250$842
Progressive$630$902$1,255$845
Bristol West$1,134$1,622$2,257$1,520
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

The Bronx car insurance quotes by credit tier

New York law allows auto insurers to create credit-based insurance scores when assessing premiums for policyholders. Many factors influence these scores, one of which is your credit score. Drivers with excellent or good credit scores typically get a lower rate than drivers with poor credit scores.

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The Bronx car insurance rates by driver age

Age is another important factor affecting insurance rates. In the Bronx, the average cost of car insurance decreases as drivers age, until they reach the later years of life.

This is because drivers younger than 20 are statistically more likely to be involved in a fatal crash. You may also see rates rise slightly for senior drivers; this is because drivers older than 70 have a higher crash rate than middle-aged drivers.[9]

Age GroupAverage Monthly Quote
Younger than 25$943
20s$676
30s$581
40s$560
50s$497
60s$448
70s$464
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in the Bronx?

The average cost of car insurance in the Bronx is $623 per month, which is more expensive than places like Chicago, Los Angeles, and Atlanta. Insurance in the Bronx is also more expensive than in other New York cities, though Insurify data shows that drivers in Brooklyn tend to pay more per month.

CityAverage Monthly QuoteCompared to the Bronx
Rochester$267-57%
Buffalo$362-42%
Staten Island$531-15%
New York$545-13%
Brooklyn$6677%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find local Bronx agents

  • L M Insurance & Financial Services LLC; Daniel Lopez Brokerage 

    200 Emerson Ave,
    Bronx, NY 10465
  • Discovery Brokerage LLC 

    1178 E Gun Hill Rd,
    Bronx, NY 10469-2900
  • Morea Agency LLC 

    2964 Middletown Rd,
    Bronx, NY 10461-5310
  • Champion Insurance Brokerage Inc 

    1418 Williamsbridge Rd,
    Bronx, NY 10461
  • David S Ash 

    890 Garrison Ave,
    Bronx, NY 10474
  • Key Brokerage, LLC 

    912 Soundview Ave,
    Bronx, NY 10473
  • Clara O Mendoza 

    2010 Williamsbridge Rd,
    Bronx, NY 10461-1603
  • BKB Insurance Agency LLC 

    981 Morris Park Ave Apt 2,
    Bronx, NY 10462-3117
  • Finest Agency Inc. 

    1734 White Plains Rd,
    Bronx, NY 10462-3897
  • Scovotti Insurance Agency

    1717 Crosby Ave,
    Bronx, NY 10461
View more

The Bronx car insurance FAQs

Looking for more information about car insurance in the Bronx? You can find answers to your biggest questions here.

  • How much is car insurance in the Bronx?

    The average cost for liability-only insurance in the Bronx is $591 per month; for full-coverage, it’s $655 per month, according to Insurify data.

  • Who has the cheapest car insurance in the Bronx?

    Travelers, Safeco, and Midvale Home & Auto have the cheapest liability-only and full-coverage policies in the Bronx, according to Insurify data. These monthly rates range from $252 for clean policies to $899 for records with DUIs. However, local agencies like DCAP Insurance might be able to offer a lower rate.

    You might be quoted a rate above or below these averages, which is why the best way to find the cheapest car insurance in the Bronx is to compare multiple quotes at once.

  • What are the best car insurance companies in the Bronx?

    Travelers is one of the best car insurance companies in the Bronx, with a high IQ Score of 4.3, A++ A.M. Best rating, and an average rate of $252 per month.

    Progressive has an A+ A.M. Best rating with an average rate of $535 per month and a 4.1 IQ score, while Liberty Mutual is an A+ BBB accredited business with a 3.8 IQ Score and $504 monthly average rate.

  • Is car insurance cheaper in the Bronx than in other areas?

    Car insurance is cheaper on average in the Bronx than in areas like Brooklyn, according to Insurify data. However, it’s significantly more expensive than cities like Rochester and Buffalo.

  • Is New York a no-fault state?

    Yes, New York is a no-fault state. This means that all drivers are required to hold personal injury protection (PIP) insurance to pay for injuries to everyone injured in your car and any pedestrians, regardless of who’s at fault.

Sources

  1. J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds." Accessed May 24, 2023
  2. National Association of Insurance Commissioners. "Results by Complaint Index." Accessed May 24, 2023
  3. A.M. Best. "Safeco Insurance Company of America." Accessed May 24, 2023
  4. A.M. Best. "AM Best Affirms Credit Ratings of The Travelers Companies, Inc. and Its Main Subsidiaries." Accessed May 24, 2023
  5. Better Business Bureau. "Midvale Home & Auto." Accessed May 24, 2023
  6. A.M. Best. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Most of Its Subsidiaries." Accessed May 24, 2023
  7. Trust Pilot. "GEICO." Accessed May 24, 2023
  8. A.M. Best. "AM Best Affirms Credit Ratings of Members of Farmers Insurance Group." Accessed May 24, 2023
  9. Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed May 24, 2023
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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