Best cheap car insurance in the Bronx in 2025

The best car insurance companies in the Bronx

Bronx drivers pay a relatively high rate for their car insurance based on several factors, including New York's high minimum requirements for coverage. To find the best New York car insurance with the most affordable rates may take some research. Fortunately, Bankrate has your back. Our insurance editorial team carefully reviewed the best car insurance companies writing policies in the region. We can help you find coverage with good discounts, extensive coverage options and high customer satisfaction ratings that is also easy on your wallet.

The cheapest car insurance companies in the Bronx

If cost is the primary factor in your car insurance search, you’ll want to compare quotes from the cheapest New York auto insurance companies. To keep it simple, Bankrate’s editorial team pulled the latest rate data from Quadrant Information Services. The table below shows the cheapest carriers for drivers in the Bronx as of April 2025.

How much is car insurance in the Bronx?

The average cost of car insurance in the Bronx is $6,358 per year for full coverage — 52 percent more than the New York state average and 137 percent more than the national average. For state minimum coverage, Bronx drivers pay an average of $2,721 per year, 52 percent more than the state average. 

Heavy traffic, high property crime rates and a tough insurance market all contribute to the Bronx’s high car insurance prices. However, average rates only tell part of the story: individual rating factors like your age and driving record can significantly impact what you pay for car insurance compared to your neighbors in the Bronx. 

Bronx rates for teens

Teens aged 16 to 19 pay some of the highest rates for car insurance in the Bronx, especially if they purchase a standalone policy instead of staying on their parents’ insurance. On average, a standalone auto insurance policy for an 18-year-old driver in the Bronx costs $5,769 per year, or $481 per month, just for state minimum coverage. Below you’ll find cheap Bronx car insurance for teen drivers added to their parents’ policies.

Bronx rates for young drivers

Insurance prices begin to go down as Bronx drivers emerge from their teens, but the cost of coverage is still above average. On average, a 25-year-old driver in the Bronx pays $7,366 per year for full coverage — 32 percent less than a 20-year-old driver and 45 percent less than an 18-year-old. 

Bronx rates for adults

Car insurance rates typically stabilize in adulthood, with Bronx drivers paying an average of $6,669 per year for full coverage at age 30 and $5,855 at age 50. 

Bronx rates for senior drivers

Seniors aged 55 to 75 typically pay some of the lowest rates for car insurance in the Bronx, thanks to a lifetime of driving experience. On average, 60-year-olds pay $5,725 per year for full coverage, while 70-year-olds pay $6,230 per year. Rates can begin to climb again as you enter your 70s due to increased risk of injuries and slower reaction times. 

The cheapest car insurance in the Bronx by driving record

Bronx drivers who don’t have any violations or accidents on their driving history generally pay the lowest rates — which means that safe driving is one of the best ways to keep your car insurance affordable in the Bronx. But if you’ve already got a ticket or other incident on your record, it’s still possible to find affordable insurance for your profile; you just need to know where to look. 

Car insurance with a speeding ticket in the Bronx

Drivers in the Bronx with a single speeding ticket conviction are likely to pay more than drivers with clean records. On average, the cost of state minimum coverage is 6 percent more for drivers with a speeding ticket. 

Car insurance after an accident in the Bronx

An at-fault accident can raise your insurance rates in the Bronx. However, not all carriers treat accidents in the same way, so it’s important to compare rates when shopping for coverage. 

Car insurance after a DUI in the Bronx

A DUI is a serious driving violation, carrying mandatory fines of $500 to $1,000 and possible jail time of up to a year for a single first offense. A DUI conviction can also pose a major challenge when looking for affordable coverage; Bronx drivers with a DUI conviction pay 57 percent more than drivers with clean records for even state minimum coverage.  

Frequently asked questions

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Scores

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.