Bronx Car Insurance

Your Complete Car Insurance Guide for the Bronx

Find the right car insurance policy for you.


Bronx County is one of the most densely populated counties in the United States, yet 61.6% of Bronx households do not have access to a car. Unfortunately, streets in the Bronx remain congested, difficult to navigate, and crowded with aggressive taxi drivers and other distractions.

If you live in the Bronx and own a car, you need car insurance to protect yourself and your family from the financial consequences of a car accident. Bronx auto insurance can help you recover after a crash and can give you peace of mind any time you are out on the road.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.


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Cost of Car Insurance in the Bronx 

Did You know? The average cost of Bronx car insurance is $199 per month.

You may think your Bronx car insurance policy costs a lot, but it doesn’t have to. Your rates are based on your vehicle's age, model and average annual mileage. Where you live plays a role, too.

If your rates seem high, it may be because of some of your individual characteristics. Do you have a long daily commute? Did you just purchase a brand-new car?

Or it might just be time to shop around.

A Trusted Choice agent can get to know you and can offer multiple coverage options so you can make the best choice for your needs and budget.

Bronx Car Insurance Requirements

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $10,000 required
  • Personal Injury Protection (PIP): $50,000 required

A Bronx car insurance policy can help you pay for medical bills or car repairs if you are at fault for an accident. It can also help you pay if your car is stolen or is damaged in some other way.

But you should know that the costs of a serious accident could easily surpass the minimum liability limits required by the state of New York. Consider talking through your options with a Trusted Choice agent.

Who Pays If The Accident Wasn’t My Fault?

The driver who caused the accident, of course. But approximately 6.1% of  New York drivers are uninsured.  Sometimes, people drive without insurance. Other drivers are on the hook for all of the bills if an uninsured driver causes an accident. That's why Bronx drivers need “uninsured motorist coverage.” If a driver without insurance causes an accident, this coverage pays for your own vehicle damage and medical bills when the at-fault driver cannot pay. In New York, all drivers all drivers are required to purchase a minimum amount of uninsured motorist coverage.

What Affects the Cost of Bronx Car Insurance?

The cost of your Bronx auto policy is based on several individual characteristics that help your insurance company predict how risky you are as a driver.

The concept is fairly simple: Drivers who are more likely to get into an accident or file a claim will pay more.

Younger drivers, for example, typically pay more than older drivers; male drivers typically pay more than female drivers.

If you have speeding tickets or other citations on your driving record or if you have previously filed a claim, expect to pay more for Bronx car insurance.

While you can’t control your age or your gender, you can control some of your other risk factors. Maintaining a clean driving record is one of the best ways to control the cost of car insurance.

And don’t forget to ask about discounts. Your Trusted Choice agent can help you maximize the auto insurance discounts that you are eligible for.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

More city factors that will Affect Your Rate:

Commute Time

Drivers who spend more time on the road are more likely to get into an accident. Bronx drivers often have extreme commute times that are much longer than the national average. For this reason, Bronx auto insurance may cost more than in other cities.

  • National average: 25.4 minutes
  • Bronx average: 43.4 minutes

Number of Auto Thefts in the Bronx

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in the Bronx: 1.89 

Vehicle theft is not a significant problem in the Bronx. This can help keep car insurance rates under control. Your Bronx car insurance policy can help if you are a victim of auto theft. It can help you replace your stolen car as well as any belongings that were inside of it.

Find Affordable Car Insurance in the Bronx

Trusted Choice Independent Insurance Agents can get quotes from numerous insurance carriers, so you have a variety of options. Our agents will assess your risks and answer your questions so they can find the coverage that best fits your needs and budget. Quality, affordable coverage for Bronx residents is just a few clicks away.

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