Best and Cheapest Car Insurance in the Bronx, NY (2025)

The cheapest full coverage car insurance in Bronx, New York, is by Kemper at $1,124 annually. American Family is the best overall provider, with a MoneyGeek score of 96 out of 100 and a $1,483 annual premium.

Find Out If You Are Overpaying For Car Insurance Below.

Written by Mark Fitzpatrick

Updated: December 8, 2025

Advertising & Editorial Disclosure

Key Takeaways

In the Bronx, Kemper is the cheapest full coverage option, averaging $1,124 per year ($94 per month) for a sample 40-year-old driver.

American Family ranks as the best overall insurer in the Bronx with a MoneyGeek score of 96 out of 100 and a $1,483 annual premium.

Bronx drivers can save more by comparing their rates to statewide averages in the cheapest car insurance in New York guide, bundling home and auto policies and using telematics programs that reward safe driving.

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Cheapest Car Insurance in the Bronx

Kemper offers the cheapest full coverage in the Bronx, while American Family is the best overall option for stronger service and broader coverage. New York’s no-fault rules require personal injury protection and uninsured/underinsured motorist coverage in addition to liability insurance. To save, compare quotes from at least three companies, consider usage-based plans and bundle home and auto insurance.

Kemper costs $1,124 per year but has high complaint scores. American Family averages $1,483 annually and provides better customer satisfaction, OEM coverage and gap insurance.


Kemper	$1,124	$94
American Family	$1,483	$124
Progressive	$1,592	$133
Allstate	$2,642	$220
Erie	$2,677	$223
GEICO	$3,244	$270
State Farm	$3,440	$287
Chubb	$3,585	$299
Travelers	$4,219	$352
Hanover	$7,362	$613
Mercury	$8,169	$681

Best Overall Car Insurance in the Bronx

The best car insurance companies in the Bronx are American Family and Erie, both earning a MoneyGeek score of 96 out of 100. American Family offers the lower average price at $1,483 per year ($124 per month), while Erie averages $2,677 per year ($223 per month). These rates reflect the cost of a full coverage policy for a 40-year-old male driver with a Toyota Camry. Although both insurers score equally well, American Family stands out for its affordability, and Erie remains a strong choice for drivers prioritizing service and coverage options.


Chubb	96	$3,585	$299
Erie	96	$2,677	$223
American Family	96	$1,483	$124
Travelers	95	$4,219	$352
Hanover	95	$7,362	$613
State Farm	95	$3,440	$287
GEICO	95	$3,244	$270
Progressive	95	$1,592	$133
Allstate	95	$2,642	$220
Mercury	95	$8,169	$681
Kemper	93	$1,124	$94

pros

OEM coverage, gap insurance, and usage-based programs like KnowYourDrive, DriveMyWay, and MilesMyWay
Multi-policy, good driver, student, and military discounts
High ranking in the 2021 J.D. Power insurance shopping study and a low score of 0.57 on the NAIC complaint index

cons

Available only in 19 states

COMPANY HIGHLIGHTS

American Family offers competitive rates without cutting corners on quality or coverage. The company's solid track record shows in its 0.57 NAIC complaint index score and top ranking among midsized insurers in the 2021 J.D. Power insurance shopping study.

You'll find tons of coverage options for all driver types. Bronx drivers can use programs like KnowYourDrive, DriveMyWay and MilesMyWay to control premiums and get rewarded for safe driving and low mileage.

Discounts include multi-policy and good driver savings plus reductions for students and military members.

How Much Car Insurance Is in the Bronx

In the Bronx, full coverage car insurance rates swing from $1,124 (Kemper) to $7,362 and $8,169 (Hanover and Mercury), respectively.

The average cost of car insurance in New York is $1,131 for state minimum liability and $2,016 for full coverage. These are higher than the national average.

Bronx's rates are pricier than Manhattan's, similar to Queens's and cheaper than Brooklyn's.

Factors That Influence Rates

Factor	Description
State Regulations	Each state has its own insurance laws that can affect rates.
Population Density	More people often mean more accidents, which can raise rates.
Weather Conditions	Areas prone to extreme weather may have higher rates due to increased risk of damage.
Crime Rate	High crime rates, especially auto theft and vandalism, can increase premiums.
Local Repair Costs	The cost of labor and parts in your area can affect how much you pay for insurance.
Uninsured Motorists	The percentage of uninsured drivers in an area can affect rates.

According to the National Insurance Crime Bureau, New York had 28,292 motor vehicle thefts in 2022, a 23% increase from 2021.

WHY IS NEW YORK CAR INSURANCE SO EXPENSIVE?

The state has more insurance requirements compared to other states, such as personal injury protection and uninsured motorist coverage. High health care costs in the state also drive up the cost of insurance. New York is a no-fault state, which means additional coverages like personal injury protection are required.

How Much Insurance You Need in the Bronx

New York, a no-fault state, has more requirements for drivers. State minimum car insurance requirements include uninsured/underinsured motorist coverage and personal injury protection, whereas at-fault states usually only need bodily injury and property damage liability.

Minimum Legal Requirements in New York

Coverage	Amount
Bodily injury liability per person	$25,000
Bodily injury liability per accident	$50,000
Property damage liability per accident	$10,000
Uninsured/underinsured motorist coverage per person	$25,000
Uninsured/underinsured motorist coverage per accident	$50,000
Personal injury protection per person	$50,000

In New York, each driver's insurance covers medical bills in an accident, regardless of who's at fault. This is due to the state's requirement for personal injury protection. However, property damage is still the responsibility of the at-fault driver's insurance.

New York requires uninsured/underinsured motorist coverage for extra financial security. This protection kicks in when the other driver doesn't have enough insurance to cover your medical bills and property damage.

State minimums give you basic protection, but they often don't cover what you really need. Drive a new or luxury car? Full coverage gives you way more financial protection, especially when the unexpected happens.

WHAT IS A NO-FAULT STATE?

In a no-fault state, the no-fault system usually applies to personal injuries rather than property damage.

The at-fault driver's insurance is typically responsible for covering property damage costs, such as your car. If you have collision coverage, that can also cover your vehicle's damages, regardless of who is at fault.

In no-fault states like New York, the idea is to get medical bills paid quickly without determining fault first.

How to Get Cheap Car Insurance in the Bronx

Commuters can cut their car insurance costs by opting for usage-based insurance plans. If you're on the road daily, you can maximize savings by combining various car insurance discounts, bundling home and auto insurance, and comparing rates from different providers.

Compare quotes

To make sure you exhaust all your options until you land on the best price, compare at least three quotes from various providers.

Bundle policies

Combine auto insurance with other policies like home or renters insurance for a multi-policy discount.

Maintain a good driving record

Safe driving can lead to discounts on your premium over time.

Take a defensive driving course

Some insurers offer discounts for completing an approved defensive driving course.

Raise deductibles

Increasing your deductible can lower your premium, but make sure you can afford the higher out-of-pocket cost in case of a claim.

Use telematics programs

Enroll in usage-based insurance programs that reward safe driving habits with discounts.

Limit coverage on older cars

If your car is older, consider dropping comprehensive and collision coverage to save money.

Pay annually or semi-annually

Paying your premium in one or two lump sums can often result in a discount compared to monthly payments.

Review and update coverage

Regularly review your policy to make sure you're not paying for coverage you don't need.

Check for discounts

Ask about available car insurance discounts such as military, student or good driver discounts.

Click here for more car insurance discounts

Multi-policy discount: Save by bundling auto with home or renters insurance.
Multi-car discount: Lower rates when you insure multiple cars on one policy.
Good driver discount: Keep a clean record with no accidents or tickets to save.
Defensive driving course discount: Complete an approved course to cut your rate.
Good student discount: Students with good grades get lower rates.
Military discount: Active-duty military, veterans and families save money.
Senior discount: Drivers 55 and older often get lower rates.
Safe vehicle discount: Cars with anti-lock brakes or anti-theft devices cost less to insure.
Low mileage discount: Drive less than average and pay less.
Pay-in-full discount: Pay your whole premium upfront instead of monthly to save.
Auto-pay discount: Set up automatic payments for lower rates.
Paperless billing discount: Choose electronic billing over paper to save.
Loyalty discount: Stay with the same company for years and pay less.
Early renewal discount: Renew before your policy expires to save.
Occupational discount: Certain low-risk jobs get lower rates.
Homeowner discount: Own a home and save, even if it's insured elsewhere.
Student away at school: Students at distant schools who drive less pay lower rates.
Affinity discount: Save through certain organizations or alumni groups.
Hybrid/Electric car discount: Pay less for driving a hybrid or electric vehicle.
Telematics discount: Safe driving monitored by device earns you savings.
Accident-free discount: No accidents for a while means lower rates.
Family plan discount: Add multiple family members to save money.
New car discount: New vehicles cost less to insure.
Daytime running lights discount: Cars with daytime running lights get lower rates.
Anti-theft device discount: Anti-theft devices lower your premium.

FAQ: Best and Cheapest Car Insurance in the Bronx, NY (2024)

MoneyGeek answers your most pressing questions about finding the best cheap car insurance in the Bronx.

Which car insurance company offers the cheapest car insurance in the Bronx?

Prices vary, but Kemper offers some of the cheapest rates in the Bronx. Full coverage starts at $1,124, making it a solid budget option for many drivers.

Which car insurance company is the best in the Bronx?

American Family is the Bronx's top choice with a great mix of affordability, lots of coverage options and strong customer service.

How much car insurance do I need?

How much car insurance you need depends on your finances, your car's age and condition, and how much risk you're comfortable with.

What is a no-fault state?

New York is a no-fault state, meaning your own insurance covers your medical bills no matter who caused the accident. Property damage still gets covered by whoever was at fault.

What does personal injury protection cover?

Personal injury protection (PIP) covers medical expenses for you and your passengers after an accident.

How can I save on car insurance in the Bronx?

Compare quotes from at least three companies to save on Bronx car insurance. Grab multi-car or safe driver discounts, and check out telematics programs that reward you for driving safely.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

sources

J.D. Power. "Auto Insurance Shopping Surged during Pandemic in 2020 but Little Brand Differentiation Apparent, J.D. Power Finds." Accessed January 14, 2025.
J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds." Accessed January 14, 2025.
National Association of Insurance Commissioners. "Kemper Independence Ins Co National Complaint Index Report." Accessed January 14, 2025.
National Association of Insurance Commissioners. "American Family Ins Co National Complaint Index Report." Accessed January 14, 2025.
National Association of Insurance Commissioners. "Chubb Natl Ins Co National Complaint Index Report." Accessed January 14, 2025.
National Insurance Crime Bureau. "New Report Shows Full-Size Trucks Have Highest Theft Rate." Accessed January 14, 2025.
Quadrant Information Services. "Home." Accessed January 14, 2025.