Cheapest Auto Insurance in the Bronx, New York (2025)

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 $182 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.

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.

Best insurer for liability coverage: Safeco

Best insurer for teachers: Liberty Mutual

Best insurer for AAA members: CSAA

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.

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.

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.

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.

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.

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.

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.

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.