The Bronx, NY Car Insurance

On average, drivers in The Bronx pay around $260 a month for their car insurance. To learn more about what you're likely to pay in The Bronx, read our guide below.
Are rates in The Bronx higher or lower than those in neighboring areas? How do they compare to the rest of New York? What rates should residents of The Bronx expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in The Bronx?

Area Average Monthly Car Insurance Premium
United States$80

Coverage for your vehicle in The Bronx will typically run you about $62 a month more than in the rest of New York.

Similarly, Bronx residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $180 more for coverage in The Bronx than in the rest of the U.S.

Although these are the average monthly costs for an auto insurance policy in The Bronx, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

Don't sweat it however, we've broken down average rates for Bronx residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates start to rise again once you hit retirement in The Bronx.

Average Car Insurance Rates by Gender

Gender Average

Car insurance rates for women are generally cheaper than they are for men. This is true in The Bronx, where women pay around $21 less a month. Based on the chart above, you can see that male drivers pay $265 on average, while female drivers typically pay $244 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$342
Multiple Accidents$362
1 Ticket$311
Multiple Tickets$342

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In The Bronx, drivers with one accident on their record will experience rates around $311 a month. Likewise, drivers with one ticket will be looking at a rate of around $342 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$271
2-3 Years$288
4-5 Years$277
6-7 Years$234
8-10 Years$284
11-14 Years$236
15 Years or Older$248

As you can see in the first table above, the cheapest vehicles to insure in The Bronx are typically trucks and vans, which run about $214 per month.

SUV drivers will see rates of about $233 for car insurance, while car owners by and large pay around $279 per month.

Vehicle age has an impact on the cost of your policy as well. Overall, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In The Bronx, vehicles two-to-three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$266

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in The Bronx is about $62 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Live with parents$288

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in The Bronx, expect to pay around $1 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in The Bronx, NY

Recent trends in car insurance for drivers in The Bronx

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing when and where to shop.

The cost of insurance in The Bronx went up steadily from 2016 through the present, where they reached $280 a month in 2021.

How does The Bronx compare to neighboring areas?

Why are car insurance rates in The Bronx different from other areas?

There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Off-street parking availability
  • Road Safety (how many accidents each locality has)
  • Regional regulations
  • Crime
  • Amount of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in The Bronx?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in The Bronx.

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Bronx Insurance FAQs

What factors affect car insurance quotes in The Bronx?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in The Bronx different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in The Bronx?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like to compare multiple quotes at once.

Do I need to change my insurance if I move to The Bronx?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Bronx or just curious if you're getting the best rates, why not take 10 minutes and see if can save you some extra cash?

Find your best rate in just a few minutes