Cheap Auto Insurance Quotes in Bronx, NY (January 2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Empire State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

A majority of New Yorkers use public transportation, avoiding costly tolls and parking prices in the process. But for those with cars, having car insurance is something they can’t just skip out on.

Forty percent of Bronx dwellers drive, and although this statistic seems to suggest it would make for easier driving in and around the city, it’s still gridlock everywhere you look. But even when your car is standing still, you need insurance. Getting quality coverage fast makes life much, much easier in this city.

Car Insurance in Bronx, NY

The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Bronx, NY to find you the cheapest quotes in the area.
Liberty MutualProgressiveState Farm

Cheapest Car Insurance in Bronx, NY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Bronx, NY

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Bronx. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

New YorkNew York CityBrooklynStaten IslandBuffaloBronx
Click here to learn about car insurance quotes and save on your current policy.

Bronx, NY Driving Facts


Minimum Car Insurance Requirements in NY

The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liablilty insurance requirements in New York are: 

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

  • $50,000 personal injury protection (PIP) per person per accident

New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.

What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily per person
  • $50,000 uninsured/underinsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Bronx Car Insurance Rates by Driver Age

Motorists in the Bronx know that their insurance rates could very well differ from their friends across town. While location is one factor that insurance companies use in setting rates, a driver’s age is also considered. Twentysomething drivers in the Bronx cost almost twice as much to insure as those in their 30s. Why? Because statistics show that mature drivers make fewer driving mistakes. Insurance premiums in the Bronx decline as you age, with those in their 70s paying the cheapest rates on average, at $334 monthly.

Driving History
No Violation$399
Speeding Ticket$386
At-Fault Accident$415
Failure to Stop for Red Light / Stop Sign$271

Bronx Car Insurance Rates by Driving and Accident History

Driving carefully is a must in the Bronx, especially when you consider the damage an at-fault accident can do to your insurance premiums. While motorists without any offenses on their driving record pay an average of $398 per month in car insurance premiums, those who have an accident attached to their driving record shell out an average of $16 more per month for the same coverage. Though typically it takes three to five years to clear your record of a driving mistake and recoup better rates, it’s definitely worth the wait!

Bronx Car Insurance Rates by Credit Tier

"While your driving record signals your risk level to insurance companies, so does your financial reputation. Believe it or not, your credit score can influence your monthly insurance premiums just as much as your age and the kind of car you drive. \nKeeping up with your score can help you reduce car insurance rates in the long run. Bronx drivers with a poor credit score pay nearly three times as much in monthly insurance premiums as those with an excellent credit history."

Bronx, NY DMV Information

Both a Bronx License Center and a Bronx Registration Center are available to drivers in the Bronx. The license center is located at 1350 Commerce Avenue, while the registration center is located at 696 East Fordham Road. Though in-person services are available at both locations, you can easily take care of most driver services online. For those looking to register their vehicles, the Department of Motor Vehicles Document Guide is a handy online reference you can use to make sure you have the right paperwork in place before you get there.

Public Transportation in Bronx, NY

Getting around this 42-square-mile borough on public transportation can be done, but it takes some planning. Many of New York City’s subway trains passing through Manhattan end or begin their journey in the Bronx—there are six lines stopping at 70 stations there. You can also catch a taxi in the area, but they aren’t as plentiful as in Manhattan. When all else fails, you can still catch an Uber.

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

Insurify Insights: How Bronx Drivers Measure Up

Honda Accord
Most Popular Car in
Bronx, NY
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bronx drivers measure up to their fellow New York motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Bronx

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bronx drivers rank 36 in the number of car accidents per driver across all cities in New York.

  • Rank within state: #36
  • Percent of drivers in Bronx with an accident: 4.96%
  • Drivers in Bronx, NY with an accident in their driving history paid on average 0.21% more than drivers with a clean record

Speeding in Bronx

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Bronx drivers rank 34 in the number of speeding infractions per driver.

  • Rank within state: #34
  • Percent of drivers in Bronx with a speeding ticket: 4.24%
  • Drivers in Bronx, NY with a speeding ticket in their driving history paid on average -94.51% more than drivers with a clean record

DUI/DWIs in Bronx

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bronx drivers rank 32 in the number of DUI’s per driver across all cities in New York.

  • Rank within state: #32
  • Percent of drivers in Bronx with a DUI: 0.98%
  • Drivers in Bronx, NY with a DUI in their driving history paid on average 2.74% more than drivers with a clean record

Rude in Bronx

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, Bronx drivers rank 12 in rude driving infractions.

  • Rank within state: #12
  • Percent of drivers in Bronx with a reckless driving violation: 1.54%
  • Drivers in Bronx, NY with a reckless driving violation in their driving history paid on average -81.86% more than drivers with a clean record.

Safest Drivers in Bronx

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Bronx drivers rank 1 in clean driving records across all cities in New York.

  • Rank within state: #1
  • Percent of drivers in Bronx with clean record: 90.13%

Failure to Yield the Right of Way in Bronx

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Bronx drivers rank 7 in failure to yield violations per driver across all cities in New York.

  • Rank within state: #7
  • Percent of drivers in Bronx with a failure to yield violation: 0.38%
  • Drivers in Bronx, NY with a failure to yield violation in their driving history paid on average 2700% more than drivers with a clean record

Reckless Drivers in Bronx

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, Bronx drivers rank 11 in the number of reckless driving offenses per driver.

  • Rank within state: #11
  • Percent of drivers in Bronx with a reckless driving offense: --%

Most Popular Vehicle in Bronx

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bronx is the Honda Accord.

How to get the best and cheapest car insurance in Bronx, NY

Your chances of catching a foul ball at Yankee Stadium aren’t very high, but put yourself out in traffic and you’ll be doing great if you don’t have at least one fender bender in a few years’ time. It’s better to take a chance catching that ball than getting on the road without insurance.

You have to admit that sometimes the stats are stacked against you. But not when you’re buying auto insurance. Insurify lets you use statistics to your advantage by quickly crunching the numbers for you and turning you on to the best car insurance rates you can come by.

FAQs - Bronx, NY Car Insurance

How old do you have to be to have a license in NY?

New York has a multistage licensing program. While certain steps are different between New York City and New York State, when a teenager turns 16, they can apply for a learner’s permit. After having a learner’s permit for at least six months, teens may apply for a junior driver’s license, followed by an unrestricted license once they turn 17.

Do I have to be a U.S. citizen to get a driver’s license in NY?

You can drive in New York State with a valid driver’s license from another country. You do not need to apply for a New York State driver’s license unless you become a New York State resident. As of December 16, 2019, the Driver’s License Access and Privacy Act, or Green Light Law, allows you to drive legally in New York if you’re undocumented. You’ll have to prove your name, date of birth, and residency. You must still pass the permit and licensing tests.

How can I get cheaper auto insurance in NY?

There are lots of factors that go into auto insurance pricing—some you can control better than others. Things like your age, gender, credit score, even marital status can affect cost—not to mention the ZIP code in which you live. In New York, there is a driver safety course called Point and Insurance Reduction Program (PIRP) that is offered, which, when taken, can shave up to four points off your driving record (points also help insurance companies decide what to charge you). Discounts like bundling your car insurance with other policies, having safety features on your car, or even a life change like getting married could also send lower rates your way.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Full starFull starFull starFull starFull star
3688 Reviews

Insurify is rated 4.8 out of 5 based on 3688 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!