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.
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Written byMelanie Lockert
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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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Updated November 20, 2024
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Table of contents
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 $104 per month, and the state average is $311 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 Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Safeco | 8.3 | $333 | $223 | Liability coverage |
| Liberty Mutual | 7.7 | $439 | $318 | Teachers |
| CSAA | 7.6 | $310 | $216 | AAA 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
| User Reviews | 4.5 |
|---|---|
| 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. | 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. | $227/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. | $255/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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]
Best insurer for teachers: Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| 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. | $278/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. | $411/mo |
3.7
A solid optionBased on 2671 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,559)
Michael
November 19, 2024
Verified Review
Go Elsewhere
The customer service is poor. It's difficult to speak to a human as it's overly automated.
Deborah
November 12, 2024
Verified Review
Examine Every Inch of Your Policy
I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.
Lee
November 12, 2024
Verified Review
Ugh!
The rates increase every year. I'm an excellent driver and I've never made a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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
Offers gap insurance
Plentiful discount options
Cons
Complaints on Better Business Bureau (BBB) website about the claims process
Low rating on Trustpilot
Best insurer for AAA members: CSAA
| User Reviews | 4.5 |
|---|---|
| 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. | $167/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. | $254/mo |
4.5
Best choiceBased on 1618 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the competitive rates and helpful customer service but dislike the lack of communication and the recent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the competitive rates and helpful customer service but dislike the lack of communication and the recent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (433)
Brooklynn
November 19, 2024
Verified Review
I know everyone should do this
It's amazing, I loved it.
Renee
November 6, 2024
Verified Review
If It Ain't Broke...
AAA has been fair over the years but with a $200 increase in one year, I had to shop around. I will stick with AAA.
Mary
November 6, 2024
Verified Review
AAA Fun
I always have a great experience! They are professional, patient, and willing to explain things to you.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.75A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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]
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 Company ▲▼ | Average 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 Company ▲▼ | Average 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 Chevrolet, Mazda , and more.
*Quotes generated for Insurify users in and around Bronx, New York within the last 10 days. Last updated on November 20, 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 November 20, 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 November 20, 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 November 20, 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.
Coverage ▲▼ | Minimum 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 coverage | Equal 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.
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.
Comprehensive coverage
When you get comprehensive coverage, you’re protected from damage unrelated to a collision. Examples include theft, fire, and flood.
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 Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With 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.
Age ▲▼ | Average 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
- 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.
Related articles
More cities in New York
Sources
- U.S. Census Bureau. "QuickFacts Bronx County, New York."
- Trustpilot. "Safeco Insurance."
- 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."
- Better Business Bureau. "CSAA."
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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.
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.
Featured in
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