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How much is car insurance in Bronx?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of New York are about $64 a month cheaper than the rates drivers pay in Bronx.
Drivers relocating the Bronx should take note of the differences in average rates. The cost of insuring a vehicle in Bronx is about $182 more expensive than the average rate for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down the average rates for Bronx to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to increase again in Bronx.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Bronx is about $14 per month. Based on the chart above, you can see that male drivers pay $266 on average, while female drivers typically pay $252 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Bronx with one accident will pay around $311 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $286.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$271|
|15 Years or Older||$249|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Bronx, with drivers paying around $215 per month for insurance coverage.
Car owners will see a monthly bill of about $282, while SUV owners by and large pay around $236 a month.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In 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)||$269|
More often than not, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Bronx can be as much as $56 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$303|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $7 a month more than drivers who own property in Bronx. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Bronx, NY
Recent trends in car insurance for Bronx drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Bronx had been increasing consistently from 2017-2021. Policy premiums finished down in 2022, at $255.
How does Bronx compare to neighboring areas?
Why are car insurance rates in Bronx different from other areas?
Car insurance companies will take into account a variety of factors when they're figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Number of drivers in the region
- Availability of off-street parking
- Regional regulations
- General road safety (how many accidents each locality has)
- Local crime rates
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Bronx?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Bronx.
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Bronx Insurance FAQs
What factors affect car insurance quotes in Bronx?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Bronx different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in 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 Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bronx?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com 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 Compare.com can save you some extra cash?
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