Cheapest Auto Insurance in the Bronx, New York (2024)

CSAA offers the cheapest car insurance in the Bronx, with rates starting at $216 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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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 July 14, 2024

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Cheapest recent rates near Bronx, New York

Recent Bronx, New York car insurance prices for Nissan , and more.

*Quotes generated for Insurify users in and around Bronx, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Bronx, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of liability car insurance in the Bronx is $391, according to Insurify data. Drivers in the Bronx pay significantly more for auto insurance coverage than other drivers in the United States. The national average for liability car insurance is $105 per month, and the state average is $155 per month.

A few factors that likely play a role in these elevated car insurance costs are higher-than-average crime rates, cost of living, and population density.[1]

Such elevated rates make saving money on your car insurance even more important. Here’s how to compare quotes and find affordable coverage in the Bronx.

Quick Facts
  • CSAA, Safeco, and Liberty Mutual offer the cheapest car insurance in the Bronx.

  • The average rate for full coverage in the Bronx is $425 per month.

  • New York is a no-fault state and requires drivers to carry personal injury protection coverage.

3 of the cheapest car insurance companies in the Bronx

The best auto insurance company for you will depend on your budget, the level of protection you’re looking for, your driving history, your age, and more. It’s important to note that insurers score these factors differently. That’s why it’s important to compare quotes from at least three to five insurers before selecting your next policy.

As you begin your search, here are three of the cheapest car insurance companies in the Bronx that you might consider.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Safeco8.3$333$223Liability coverage
Liberty Mutual7.7$439$318Teachers
CSAA7.6$310$216AAA members
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for liability coverage: Safeco

Compare personalized, real-time quotes
User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
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.
$162/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.
$181/mo

Safeco is the best option for liability insurance in the Bronx. While CSAA has the lowest rates, it has a membership requirement. Safeco is available to the general public and comes in second place in terms of affordability. Liability car insurance is required to drive legally in New York, so if you’re looking for cheap car insurance in the Bronx, Safeco is a great option to consider.

Pros
  • Safe driving discounts with RightTrack program

  • Claims-free cash back available

Cons
  • Must work with an independent agent

  • Low rating on Trustpilot[2]

Read more driver reviews of Safeco
Virginia - July 13, 2024
Verified

Expensive

I feel like it's just getting too expensive.

James - July 13, 2024
Verified

Insure ME

It's easy to apply and interact with Safeco. The overall coverage and price make it one of the best companies I have dealt with.

Lance - July 8, 2024
Verified

Excellent

I'm satisfied with their service, I'm just looking for a better price.

Best insurer for teachers: Liberty Mutual

Compare personalized, real-time quotes
User Reviews
2.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7/10
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.
$190/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.
$276/mo

The New York City Department of Education and the Bronx Borough Office serve 365 schools. Liberty Mutual is the best car insurance option for teachers working in the Bronx, thanks to its unique benefits and discounts for educators. Not only will you get savings on auto insurance coverage, but you’ll also have a $0 deductible if your vehicle gets vandalized at school or a school-related event. The $0 deductible also applies if you’re involved in a collision while driving on school business. Plus, you’re covered for up to $2,500 in theft protection if school materials are stolen from your car.

Pros
Cons
  • Complaints on Better Business Bureau (BBB) website about the claims process

  • Low rating on Trustpilot

Read more driver reviews of Liberty Mutual
Wanda - July 13, 2024
Verified

Wanda

Excellent company.

Melinda - July 13, 2024
Verified

Stay Away from Liberty Mutual

Liberty Mutual starts out with reasonable rates, but then the rates double.

John - July 13, 2024
Verified

Fair

They raised my premium to a point where I could not afford it.

Best insurer for AAA members: CSAA

Compare personalized, real-time quotes
User Reviews
3.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.6/10
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.
$126/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.
$189/mo

New York State has 2.7 million AAA members.[3] Drivers who are AAA members can get auto insurance coverage with CSAA in the Bronx. The company offers the lowest rates in the Bronx for liability and full coverage.

Pros
  • A (Excellent) financial strength rating from AM Best

  • Multiple discounts available

Cons
  • Only available to AAA members

  • Low rating on BBB website[4]

Read more driver reviews of CSAA
Judy - July 11, 2024
Verified

They should not base their rates on your car's mileage, but rather on your experience as a driver. It doesn't seem fair for the amount I pay. It seems like AAA has forgotten that experience counts and they charge you for accidents you didn't commit. Thank you.

They should not base their rates on your car's mileage, but rather on your experience as a driver. It doesn't seem fair for the amount I pay. It seems like AAA has forgotten that experience counts and they charge you for accidents you didn't commit. Thank you.

Evelyn - July 10, 2024
Verified

AAA Consistently Raises Premiums

Every year, we have experienced substantial increases.

Taylor - July 9, 2024
Verified

Average

Good, except for the fact that my prices are going up when they're supposed to go down.

How to get the cheapest car insurance in the Bronx

Your ZIP code, driving history, age, gender, and more all influence your car insurance premiums. Some of these factors are outside your control, but here are some things you can do to lower your rates:

  • Bundle insurance policies. Carrying multiple insurance policies with a single company can lower costs. You can bundle your auto insurance with homeowners or renters insurance to reduce your costs for each policy.

  • Compare discounts. Every insurer offers a different array of discounts. They can include discounts for safe driving, affiliation (such as working in the military or federal government), using alternative fuel if you have an electric or hybrid vehicle, and more. Before you choose a policy, review which discounts you qualify for from each insurer, as these discounts can affect your overall premiums significantly.

  • Drive safely. Your history behind the wheel is one of the biggest indicators of the premium you’ll pay. Watch your speed and avoid distracted driving to give yourself the best chance to stay incident-free.

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Cheapest liability-only car insurance in the Bronx: CSAA

New York’s Vehicle and Traffic Law requires drivers in the state to get liability car insurance. Liability coverage consists of bodily injury and property damage coverage. It covers the injuries and damages suffered by the other party in an accident you cause.

While this option may be the most affordable, it won’t cover any of your expenses in an accident.

The average cost of liability coverage in the Bronx is $391 per month, and you can see a collection of average rates from top insurers in the table below.

Insurance CompanyAverage Monthly Quote
CSAA$216
Safeco$223
Liberty Mutual$318
Midvale Home & Auto$319
Progressive$375
Erie$506
Bristol West$620
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.

Cheapest full-coverage car insurance in the Bronx: CSAA

Full-coverage car insurance typically includes liability coverage, collision coverage, and comprehensive coverage. This coverage protects your vehicle if you’re involved in an accident or the victim of fire or theft.

Full coverage is also more expensive than liability coverage because it offers more robust protection. The average rate for full-coverage car insurance in the Bronx is $425 per month, and you can find a collection of average monthly quotes from different insurers in the table below.

Insurance CompanyAverage Monthly Quote
CSAA$310
Safeco$333
Midvale Home & Auto$429
Liberty Mutual$439
Progressive$553
Bristol West$714
Erie$746
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.

Cheapest recent rates near Bronx, New York

Recent Bronx, New York car insurance prices for Nissan , and more.

*Quotes generated for Insurify users in and around Bronx, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Bronx, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in New York

All drivers in New York must obtain liability coverage. This minimum coverage includes bodily injury and property damage liability and keeps you in good standing on the road. If you have a lapse in liability insurance coverage, you could get your driver’s license and registration suspended.

New York is what’s called a no-fault state. Because of this, the state requires personal injury protection (PIP) so each driver (regardless of fault) can get medical costs covered. New York also requires uninsured motorist coverage. This can provide an extra layer of protection if you’re in a car accident with an uninsured driver or are the victim of a hit-and-run.

The table below shows the minimum coverage levels required to drive in New York.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person ($50,000 for death of one person) / $50,000 per accident ($100,000 for death of two or more people)
Property damage liability$10,000 per accident
Personal injury protection$50,000 per person
Uninsured motorist coverageEqual to amounts of liability coverage

While the table below illustrates the state’s minimum requirements, you may want to enhance your protection with a few elected coverages, like those listed below.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Collision coverage

    Adding collision coverage to your insurance policy reimburses you for property damage if you’re involved in an auto accident or hit an object, such as a pole, guardrail, or tree.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    When you get comprehensive coverage, you’re protected from damage unrelated to a collision. Examples include theft, fire, and flood.

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    Gap coverage

    If your car is totaled in an accident and you owe more on the vehicle than its current value, gap insurance covers the difference.

Cheapest car insurance for drivers with an incident

An incident on your driving record can raise your car insurance premiums, but every incident has a different effect. Getting a speeding ticket or other type of moving violation typically has a smaller effect than an at-fault car accident or driving under the influence (DUI).

But all these incidents raise your risk profile and boost the likelihood of another incident, leading to higher premiums.

Here, you can see the cheapest car insurance for drivers in the Bronx with an incident and how rates fluctuate based on the incident.

Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Bristol West$620$699$702$823
CSAA$216$243$244$287
Erie$506$571$573$672
Liberty Mutual$318$358$360$422
Midvale Home & Auto$319$360$362$424
Progressive$375$423$425$498
Safeco$223$252$253$297
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.

Average cost of car insurance by age

Your age matters when shopping for car insurance. Among age groups, teen drivers have the highest car insurance rates. Data shows that teens consistently engage in risky behaviors while driving.

But while those first driving years are very expensive, rates drop as you age until age 70, when rates typically go back up. This is due to risks related to aging.

Here, you can see the average cost of insurance by age for drivers in the Bronx.

AgeAverage Monthly Quote
Teens$540
20s$489
30s$440
40s$430
50s$392
60s$347
70s$326
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 Cheap Car Insurance in the Bronx

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Bronx car insurance quotes by credit tier

New York state allows insurance companies to use your credit history as part of their underwriting criteria. The insurance company must disclose that they’re doing so and must also notify you if your rates are higher due to your credit, according to the Department of Financial Services in New York.

Based on the data shown below, you can see a significant difference between drivers with excellent credit and drivers with poor credit in the Bronx. So if you’re looking for cheap car insurance in the Bronx, improving your credit can be a smart move.

Rates by Credit Tier

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.

Bronx car insurance FAQs

If you still have questions about how to find the cheapest car insurance in the Bronx, this additional information may help as you research your coverage options.

  • How much is car insurance in the Bronx?

    The average rate for liability car insurance in the Bronx is $391 per month, and the average for full-coverage insurance is $425. The Bronx’s high rates are due, in part, to elevated crime levels, a higher cost of living, and increased population density.

  • Which company has the cheapest car insurance in the Bronx?

    CSAA offers the cheapest car insurance in the Bronx, with a liability rate of $216 per month and a full-coverage rate of $310. But you must have a membership with AAA to purchase this coverage. Safeco and Liberty Mutual also offer lower rates than many other competitors in the area, at $223 and $318 for liability coverage and $333 and $439 for full coverage.

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

    CSAA, Liberty Mutual, and Safeco are three of the top insurers in the Bronx. These companies offer the lowest premiums in the area, and each is known for financial stability, discounts offered, and customer service. Keep in mind that the best insurer for you may be another altogether. That’s why it’s important to compare quotes from several insurers to find the best policy to match your needs.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "QuickFacts Bronx County, New York."
  2. Trustpilot. "Safeco Insurance."
  3. AAA New York State. "Statement of AAA New York State before the Joint Legislative Public Hearing on the 2019- 2020 Executive Budget Proposal for Transportation."
  4. Better Business Bureau. "CSAA."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

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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