Cheapest car insurance in The Bronx, New York (May 2024)

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Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

How to find the cheapest car insurance quotes in The Bronx

On average,
auto insurance
in The Bronx costs about $346 per month for minimum coverage liability insurance, and about $529 per month for full coverage insurance. The Bronx drivers pay 88.9% more than the
New York
To help you begin your comparison journey, take a look at the table below to see the average cost of insurance in The Bronx, New York, and the United States.
Coverage type
The Bronx, NY
New York
United States
State minimum
Full coverage
The best way to find cheap car insurance in The Bronx is with
. Using Jerry, drivers can seamlessly
compare quotes and buy car insurance
all in one place. To help you get started, use the table below to see what drivers in your area pay for car insurance before and after shopping with Jerry.

Best car insurance companies in The Bronx

There isn’t a specific provider that serves the best
car insurance
to everyone in The Bronx
To give drivers a clearer look into how the most affordable car insurance companies compare, Jerry conducted the largest insurance survey in the nation. The results: the cheapest insurer varies from person to person.  
car insurance quotes
are based on individual factors like your age and driving record, along with each insurer’s individual calculation formula, this is only to be expected. Price isn’t everything either: claim handling and customer service are also important qualities to review when choosing an insurer.
National General
, and
tend to be popular insurers among The Bronx policyholders. But let’s take a look at how different The Bronx customers reviewed them on a scale of 0 to 5 in terms of cost rating and overall.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in The Bronx

Drivers in The Bronx are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.

Cheap minimum liability insurance quotes in The Bronx

As per New York car insurance laws, The Bronx drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes: 
Here’s an average of what drivers are paying in The Bronx for liability-only policies with some of the biggest insurers in the state.
Insurance company
Monthly minimum coverage cost

Do you need more than minimum coverage in The Bronx?

New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for The Bronx drivers.
Additional protection like collision coverage could save you from costs associated with unexpected damages to your car. Increasing liability limits can also help prevent you from paying out of pocket—especially if you’re ever at fault in an accident resulting in a totaled vehicle (or more than one). 
The risk of winter storms, heavy rain, and high winds in The Bronx causing non-collision damage to your car may also make a strong case for adding comprehensive coverage. This type of protection can also keep you financially secure against vandalism and vehicle theft.
For better financial protection in The Bronx, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.

Cheap full coverage car insurance quotes in The Bronx

New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
Full coverage includes
collision coverage
  • Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
  • Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Typically, leased or financed vehicles require collision and comprehensive coverage.
Browse the table below to see an average of what top providers in The Bronx offer for full coverage policies.
Insurance company
Monthly full coverage cost
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Car insurance quotes in The Bronx by rating factors 

Insurance companies in The Bronx use many rating factors when
deciding your auto insurance premium
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in The Bronx?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in The Bronx:

Cheap car insurance quotes in The Bronx after driving violations

Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include: 

Cheapest car insurance in The Bronx after speeding ticket

Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a
speeding ticket
will typically increase your car insurance premiums.  
Speeding comes in different sizes. In The Bronx, repercussions are different for amount of MPH you were driving over the speed limit. Here’s how much your rates can change with a single speeding ticket in New York.
Monthly coverage cost
Rate increase (%)

Cheapest car insurance in The Bronx after DUI

DUI violation
will certainly skyrocket your car insurance rate in The Bronx. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.
Check out the table below to see just how much a DUI can impact your car insurance rates in New York.
Monthly coverage cost
Rate increase (%)

Cheapest car insurance in The Bronx after an at-fault accident

Car accidents
on your claim history can significantly impact your car insurance rates in The Bronx. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. 
Even though New York is a
no-fault state
, The Bronx drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. This is how your rates could change in The Bronx with an at-fault accident:
Driving record
Monthly coverage cost
Rate increase (%)
At-fault accident

Cheapest car insurance in The Bronx after other driving violations

Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in The Bronx.
Here’s a list of different driving violations and how your rates could be influenced depending on your infraction.
Monthly coverage cost
Rate increase (%)
Illegal turn
Driving too slow
Careless driving

Cheap car insurance quotes in The Bronx by age

Young people and seniors generally face the highest insurance rates. 
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

Cheapest car insurance in The Bronx for young drivers

Car insurance can be high for everyone in The Bronx, but teen drivers between the ages of 18 to 21 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well, prompting insurers to raise prices to combat potentially growing claims costs.
While the cost of car insurance for young drivers is expensive, our data does show that rates generally decrease to just above the city average as drivers gain more experience behind the wheel.
Age group
Monthly minimum coverage cost
Monthly full coverage cost
For lower costs, teen drivers should consider remaining on a parent’s policy, especially while living in a city like The Bronx where average insurance rates are already high. Teens can also apply for student-oriented and good driver discounts to earn more savings on their premiums.

Cheapest car insurance in The Bronx for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-44 in The Bronx see some of the lowest rates, with premiums increasing slightly again between 45-54.
Check out some of the average rates drivers in The Bronx pay for full and minimum coverage.
Age group
Monthly minimum coverage cost
Monthly full coverage cost
While driver premiums are often lower than average for most of these age demographics, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in The Bronx for senior drivers

Drivers can expect higher premiums once they reach 65 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.
Here’s what senior drivers, aged 55-65+ generally pay for full coverage and state minimum car insurance in The Bronx.
Age group
Monthly minimum coverage cost
Monthly full coverage cost

Cheap car insurance quotes in The Bronx based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Here's how a coverage lapse can impact your overall premium costs:
Insurance history
Monthly coverage cost
Rate increase (%)
With coverage lapses

Cheap car insurance quotes in for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 700) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 600).
This is how much drivers in Florida, on average, with different credit scores:
Credit score
Monthly coverage cost
< 600
The best way to achieve and maintain cheap car insurance is to build a strong credit history. A good place to start is to participate in automatic payment opportunities so you always make your payments on time.

How to lower car insurance costs in The Bronx

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.


How much is car insurance in The Bronx?

People living in The Bronx pay on average $346 per month on state-minimum liability coverage. Full coverage in The Bronx costs on average $549 per month for full coverage.

What is the cheapest car insurance in The Bronx?

Most drivers in The Bronx find the most affordable rates with
, Gainsco, and
National General

What is the best car insurance in The Bronx?

Based on results from a recent Jerry survey,
National General
, and
received high customer service and overall ratings from The Bronx drivers.

What is the minimum car insurance in The Bronx, New York?

The state-minimum car insurance in The Bronx, New York is $25,000 in bodily injury liability per person, $50,000 per accident, and $50,000 for damage to property. These coverages are commonly referred to as 25/50/50 coverage.


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.