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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
The average cost of car insurance in the Bronx is $287 per month for liability insurance and $415 per month for full coverage. This is higher than the New York State average of $153 per month for liability coverage and $243 per month for full coverage.
New York City as a whole, Long Island City, Brooklyn, and Queens all have lower average premiums than the Bronx. In fact, the Bronx has higher average rates than most other cities in New York.
The higher rates in the Bronx make sense because it has a higher population density than New York City and Queens, which adds to risk factors like traffic congestion and slightly longer commute times. The Bronx also has higher per-capita rates of vandalism and property crime than Brooklyn and Queens.
Cheap liability quotes in the Bronx start at $116/mo.
Erie has the cheapest liability insurance quotes, on average, in the Bronx. Drivers in New York must have minimum liability coverage of at least $25,000 per person and $50,000 per accident in bodily injury coverage and $10,000 in property damage coverage.[1] New York drivers also need personal injury protection and uninsured motorist coverage.[2]
Erie is the cheapest insurer, on average, for full-coverage insurance. A full-coverage insurance policy with comprehensive and collision coverage can provide peace of mind and financial security for drivers in the Bronx.
The Cross Bronx Expressway, one of the busiest highways in the country, has 150,000 daily commuters and is currently undergoing significant roadwork. Beyond covering you during your daily commute, a full-coverage policy can pay to replace your personal property in the event of vehicle theft and vandalism.
Here’s a look at the cheapest liability-only rates and the cheapest full-coverage rates in the Bronx.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Erie | $116 | $212 |
| USAA | $121 | $222 |
| Travelers | $141 | $259 |
| State Farm | $165 | $302 |
| Allstate | $175 | $319 |
| Nationwide | $176 | $322 |
| GEICO | $181 | $334 |
The Bronx has the highest average car insurance rates in New York, with Mount Vernon and Brooklyn trailing the most closely behind. Binghamton and Schenectady in upstate New York have the lowest average rates in the state, likely in part thanks to the lower population densities and respective average commute times of 19 and 22 minutes.
Below, you can see how average auto insurance prices in other areas of New York City’s other four boroughs, and the rest of the state, are often lower than rates in the Bronx.
City | Average Monthly Quote |
|---|---|
| Binghamton | $111 |
| Bronx | $351 |
| Brooklyn | $316 |
| Buffalo | $188 |
| Long Island | $282 |
| New York City | $262 |
| Rochester | $122 |
| Schenectady | $113 |
| Staten Island | $221 |
| Syracuse | $149 |
| Utica | $145 |
| Yonkers | $266 |
Despite having a relatively low rate of underinsured and uninsured motorists, New York State is still one of the most expensive U.S. states for car insurance. And the Bronx is the most expensive area for car insurance in the state, due to several risk factors.
Residents in the Bronx have 20% more serious injuries from traffic incidents per capita than the rest of the New York City area, according to data analysis from nonprofit Transportation Alternatives.[3]
It’s a good idea to exercise caution as a driver or pedestrian in the Bronx. Avoid distractions, like your phone or other electronic devices, when behind the wheel. If you’re stuck in traffic, be aware of impatient drivers who may get frustrated with the heavy congestion and delays caused by the 164,000 Bronx residents commuting to work each day.
The Bronx has nearly 1,000 parking spaces in municipal parking fields and garages, providing some commuters with the opportunity to park and complete a longer commute via public transit. If you decide to park in a lot, you should weigh the risks of sharing a space with many other vehicles. A full-coverage policy can help protect your vehicle in the event of an accidental side swipe or rear-end collision.
It’s also worth noting that even though the NYC Department of Sanitation plows roadways when two inches of snow falls, freezing rain and slick roads can still cause car accidents in the Bronx.
In the Bronx, 3% of drivers have an at-fault accident, 3% have a speeding ticket, and 0.5% have a driving while intoxicated (DWI) conviction on their driving record, according to Insurify data. Having violations on your record will typically lead to a premium increase, especially in New York.
New York is a no-fault state for car insurance, which means your insurance company pays for your lost wages and medical expenses following a car accident, even if you’re not at fault.[4]
Certain violations in New York result in specific fines and penalties. For example, drivers who commit a first DWI offense face a mandatory fine between $500 and $1,000, a six-month license suspension, and potential jail time.[5]
Here’s how much auto insurance coverage in the Bronx costs, on average, by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $351 |
| Speeding ticket | $426 |
| At-fault accident | $502 |
| DWI | $623 |
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Senior drivers pay the lowest average monthly rates, which is good news for the 16% of the Bronx’s population aged 65 and older.
In contrast, teen drivers in the Bronx pay the highest average rates by age group. If you’re the parent of a teen driver, you should ask your insurance agent how your new driver can potentially lower premiums. In some cases, an insurer may provide discounts for teens who complete the New York Safety Program (NYSP) Driver Improvement Course or earn good grades.
The following table shows the average auto insurance rates for Bronx drivers at all age levels.
Age | Average Monthly Quote |
|---|---|
| Teens | $510 |
| 20s | $426 |
| 30s | $390 |
| 40s | $360 |
| 50s | $330 |
| 60s | $241 |
| 70+ | $317 |
The information below can help you make a smart decision when looking for the best auto coverage in the Bronx.
Erie is the cheapest car insurance company in the Bronx, with an average liability-only insurance rate of $116. USAA and Travelers are two other affordable insurers in the Bronx.
The average cost of car insurance in New York City is $262, Insurify data shows. Average monthly rates by coverage level are $191 for liability coverage and $332 for full coverage.
Maintaining a clean driving record and an excellent credit report can help you earn lower car insurance rates. Young drivers in the Bronx can potentially save on car insurance by completing the NYSP Driver Improvement Course. All drivers can look into saving by bundling their auto policy with renters insurance or another insurance product.
Erie has the lowest average rates in the Bronx, but the best company for you will meet your insurance needs and budget. For example, USAA may be the best insurance company for the 21,000 veterans living in the Bronx. But it’s always a good idea to compare quotes and coverage choices from multiple auto insurers to find the best rates.
Yes. Many insurance companies offer auto insurance discounts for homeownership, bundling auto and homeowners insurance, and using mobile app telematics. Ask your insurance agent about what discounts you may qualify for.
New York City has one of the highest rates of vehicle theft in the country, which can significantly increase rates in the area. The city’s five boroughs also all have dense populations and a fair amount of traffic congestion, which increases risks for car accidents and other property damage.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.