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

In the Bronx, Kemper offers the cheapest full coverage policy. At the same time, American Family stands out as the best overall option, excelling in customer service and offering a wide range of coverages and discounts.

New York is a no-fault state, requiring drivers to have personal injury protection and uninsured/underinsured motorist coverage in addition to standard liability coverage. These state-mandated coverages offer basic protection but may only partially meet your needs, especially if you drive a new or luxury car.

To save on car insurance in the Bronx, consider options like usage-based insurance plans and maximize savings by bundling home and auto insurance. It's also beneficial to compare at least three quotes from different providers and inquire about available discounts such as good driver, student and multi-policy discounts.

The cheapest car insurance companies for a full coverage policy are:

• Kemper: $1,124 per year; $94 per month
• American Family: $1,483 per year; $124 per month

Signing with Kemper could save you hundreds, thanks to their competitive rates and various discounts. However, they scored low in customer satisfaction studies, including a last-place ranking in a J.D. Power claims satisfaction survey and a 3.23 score in the National Association of Insurance Commissioners (NAIC) complaint index.

If you're looking for specialized coverages like OEM or gap insurance, consider American Family. They're the second most affordable option in the Bronx, offering a broad range of unique coverages and discounts. In contrast to Kemper, American Family scored 0.57 on the NAIC complaint index and ranked highest among midsized insurers in the 2021 J.D. Power insurance shopping study.

Ultimately, your choice depends on your priorities. Kemper offers cost savings but falls short on service quality. American Family, on the other hand, provides robust coverage and superior customer service for about $300 more per year.

The best car insurance companies in the Bronx are:

• American Family: MoneyGeek score of 96 out of 100 ($1,483 per year; $124 per month)
• Erie: MoneyGeek score of 96 out of 100 ($2,677 per year; $223 per month)

These rates reflect the average cost of a full coverage policy for a 40-year-old male driver with a Toyota Camry.

In the Bronx, the car insurance companies with the best customer service are:

• Chubb: MoneyGeek score of 4.71 out of 5 ($3,585 per year; $299 per month)
• Erie: MoneyGeek score of 4.63 out of 5 ($2,677 per year; $223 per month)

We suggest opting for Erie Insurance over Chubb, given Erie's consistently strong performance in national surveys like those conducted by J.D. Power, where it ranks among the country's leading auto insurers. Erie also scores better than Chubb in the NAIC complaint index, registering an impressive 0.57 against Chubb's 0.73.

While both insurers perform above average, Erie's superior rankings and lower complaint index make it the more attractive option.

In the Bronx, the car insurance providers offering the best coverage are:

• American Family: MoneyGeek score of 5 out of 5 ($1,483 per year, $124 per month)
• Travelers: MoneyGeek score of 3.75 out of 5 ($4,219 per year, $352 per month)

American Family offers a diverse range of coverage options, from standard choices such as liability, collision and comprehensive to specialized offerings like classic car and OEM coverage. Their policy add-ons, including emergency roadside assistance, rental reimbursement and new car replacement, enhance the overall insurance package. These features benefit Bronx drivers navigating the city's distinct driving conditions.

The company also provides telematics programs, including KnowYourDrive, DriveMyWay and MilesMyWay, that offer savings opportunities. These programs reward safe driving and are well-suited for drivers who only log a few miles.

The table below shows the average costs for a 40-year-old male driver with an old Toyota Camry seeking a full coverage policy.

In the Bronx, full coverage car insurance rates can 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, both notably higher than the national average.

Location within New York City's boroughs also plays a role; the Bronx's rates are pricier than Manhattan's, similar to Queens's and cheaper than Brooklyn's. Insurance companies set your premiums based on your garage location and other local factors, so it pays to shop around.

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

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.

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.

For added financial security, New York mandates that drivers also carry uninsured/underinsured motorist coverage. This extra layer of protection kicks in if the other driver doesn't have enough insurance to cover both medical expenses and property damage.

While these state-required coverages offer a basic level of protection, they may not fully meet how much insurance you need. If you drive a new or luxury car, a full coverage car insurance policy can offer more comprehensive protection, especially for those unexpected situations.

On the other hand, if your car is older and you're comfortable covering repair costs out of pocket, a liability-only insurance policy might be all you need.

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.

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