Best Auto Insurance Rates in Bronx, New York

On average your neighbors pay $216 a month.

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The Bronx is one of the five boroughs of New York City, but it’s so much more than that. As a cultural hub, The Bronx has brought great contributions to Latin and hip-hop music. The Bronx is the birthplace of Grandmaster Flash and Jennifer Lopez, as well as Billy Joel, Calvin Klein, Lou Gehrig, and too many actors to count. For all their contributions to America, Bronx residents deserve affordable car insurance rates.

Average Bronx Car Insurance Rates

How much is car insurance in Bronx, NY? Drivers in the Bronx shouldn't be surprised to learn their car insurance costs more, a lot more, than both the national and state average. The average cost of car insurance in Bronx is $2,466 per year for men and $2,714 for women. The average cost of auto insurance in New York is $1,234.84 per year. The national average cost is $889.01.

Prices may vary depending on your driving history and the total number of claims filed in your zip code.

Bronx, NYC Average Annual Car Insurance Rates
Coverage Men Women
Liability $1,729 $1,957
Collision $590 $609
Comprehensive $148 $148
Total Cost Per Year $2,466 $2,714
Price Per Month $206 $226
These average rates are based on our sample quote data. 1

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Bronx, New York and save up to 40% on your premium.

Last year, 17,445 people used QuoteWizard to compare auto insurance quotes in Bronx, NY from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Bronx, NY

These are the most common car insurance companies reported by QuoteWizard users in Bronx, NYC last year.

Other popular Bronx, NY car insurance companies: USAA, Country Financial, MetLife, 21st Century, American Family, Travelers, Hartford, Erie, and Safeco.

Top 10 Vehicles in Bronx

These are the most common car makes and models owned by drivers in Bronx, NY requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Acura MDX
  3. Honda Odyssey EX
  4. Nissan Altima 2.5 S
  5. Honda Civic EX/LX
  6. Toyota Camry LE/XLE/SE
  7. Honda CR-V EX
  8. Nissan Maxima S/SV
  9. Dodge Caravan
  10. Toyota Rav4
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Minimum Car Insurance Requirements in Bronx, NY

Bronx, New York has a minimum coverage requirement known as the 25/50/10 rule, which means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount your insurer will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Bronx, NY Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, drivers in the Bronx, New York City, including the Bronx are much worse than average. New York City ranked 116th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 8.3 years.

Bronx drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors affecting insurance rates are the weather and road conditions.

Weather

Autumn and spring can be pleasant enough, but winters in the Bronx, NY are cold and wet. Summers have plenty of sun, but they're also hot and humid. In addition, make sure your car's tires have plenty of tread because it rains a lot year-round creating slick driving conditions.

Road Conditions

A recent report by transportation research group TRIP has alarming news. According to the report, 46 percent of streets in the Bronx are in poor condition. Another 23 percent are mediocre. These poorly maintained, pothole-filled streets costs drivers $719 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's annual traffic index report, Bronx has the 49th worst traffic congestion in the world. The average commuter spends an additional 34 minutes per hour stuck in traffic during peak commute times and 129 hours a year for commutes of 30 minutes.

Moving Violations

Moving violations like accidents and speeding tickets will give you a bad driving record. Your insurer could also make you a non-preferred driver. This will result in significantly higher insurance rates. Your only hope then is to look for affordable high-risk auto insurance.

Traffic Tickets

The State of New York DMV website allows you to pay non-criminal traffic citations, tells drivers how to request a hearing to contest a ticket, and provides helpful traffic court information.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from local agents and top companies that specialize in Bronx DWI insurance.

Vehicle Theft

Bronx reported 2,741 vehicle thefts in 2016. This is a rate of 1.89 per 1,000 residents. This was well slightly below the national rate of 2.20 per 1,000 people.

Car Insurance Discounts in Bronx

Are you looking for cheap car insurance? Discounts are a great way to lower your rates. These are some of the many car insurance discounts available to drivers in Bronx, NY. Get a quote and out which discounts you qualify for with your current or multiple insurance companies.

  1. Drivers 55 and older could qualify for the senior driver discount or the 55 and retired discount
  2. Get a new car with safety and anti-theft features
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. If you're a student, maintaining a B grade point average or better could qualify you for the good student discount
  5. Drive less by living close to work and you might qualify for the low mileage discount
  6. Bundle your auto policy with your homeowners or renters insurance. Bundling your vehicles and policies is a no-brainer and could save you 20% off the price of your premium

Rate Methodology

1 We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.

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