Cheap Auto Insurance Quotes in Bronx, NY (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Bronx, NY

Here are the cheapest carriers in Bronx for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Bronx. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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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.

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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.

Driver's AgeAvg. Monthly Cost
teens$0
20s$718
30s$387
40s$371
50s$369
60s$338
70s$335
80s$397
Driving HistoryAvg. Monthly Cost
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."

Credit TieAvg. Monthly Cost
Excellent$305
Good$412
Average$451
Poor$540

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Bronx stacks up for the state of New York:

honda
Honda Accord
Most Popular Car in
Bronx, NY
suspended licenses
#20
Cities with Most
Suspended Licenses Rank

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.