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

Name: Best and Cheapest Car Insurance in the Bronx, NY (2024)
Item: Best and Cheapest Car Insurance in the Bronx, NY (2024)
Author: Mark Fitzpatrick

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.

By Mark Fitzpatrick

Edited by Benjamar Gabawa

Updated: October 25, 2024

Advertising & Editorial Disclosure

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.

Best Auto InsuranceThe Bronx

2024

Best and Cheapest Car Insurance in the Bronx, NY (2023)

Cheapest Car Insurance - Kemper

Best Overall - American Family Insurance

Best Customer Service - Erie

Best for Unique Coverages - American Family Insurance

Car Insurance Cost in the Bronx

Tips to Get Cheap Car Insurance

Key Takeaways

Kemper is the cheapest in the Bronx, while American Family ranks as the best overall.

New York's no-fault laws require additional coverages like personal injury protection.

Save on the Bronx's car insurance through usage-based plans and bundling discounts.

Why Trust MoneyGeek? We ensure that MoneyGeek's content meets our highest editorial standards by carefully scrutinizing it. Throughout each stage, our team writes, checks facts, edits and reviews the content produced to generate accurate information.

Cheapest Car Insurance in the Bronx

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.


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: 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.

pros

Unique coverages: OEM coverage, gap insurance, and a range of usage-based programs like KnowYourDrive, DriveMyWay, and MilesMyWay

Common discounts: Multi-policy, good driver, student, and military discounts among others

Proven track record: 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 stands out as the best insurer in the Bronx, offering competitive rates without compromising quality or coverage. Their impressive track record is backed by a 0.57 score on the NAIC complaint index and a top ranking among midsized insurers in the 2021 J.D. Power insurance shopping study.

When it comes to coverage options, American Family has plenty of coverage options for all kinds of drivers. From standard liability and collision coverages to specialized options like OEM and gap insurance, they offer various choices that cater to diverse needs. Bronx drivers will particularly benefit from its usage-based programs like KnowYourDrive, DriveMyWay and MilesMyWay, which provide more control over premiums and reward safe driving and low mileage.

But the savings don't stop there. American Family offers many discounts, from multi-policy and good driver discounts to savings for students and military personnel. These discounts can stack quickly, making their already competitive rates even more budget-friendly.

American Family offers a winning combination of affordability, proven customer satisfaction, extensive coverage options and generous discounts. American Family is a top choice for Bronx drivers looking for comprehensive and cost-effective insurance.

Read MoneyGeek's American Family Insurance Auto Insurance Review


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

Best Car Insurance in the Bronx for Customer Service

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.


Chubb	4.71	$3,585	$299
Erie	4.63	$2,677	$223
State Farm	3.93	$3,440	$287
Hanover	3.88	$7,362	$613
GEICO	3.77	$3,244	$270
American Family	3.76	$1,483	$124
Travelers	3.58	$4,219	$352
Mercury	3.44	$8,169	$681
Progressive	3.31	$1,592	$133
Allstate	3.27	$2,642	$220
Kemper	1.17	$1,124	$94

Best Car Insurance in the Bronx for Unique Coverages

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.


American Family	5.00	$1,483	$124
Allstate	3.75	$2,642	$220
Hanover	3.75	$7,362	$613
Progressive	3.75	$1,592	$133
Travelers	3.75	$4,219	$352
Chubb	2.50	$3,585	$299
Erie	2.50	$2,677	$223
GEICO	2.50	$3,244	$270
Mercury	2.50	$8,169	$681
State Farm	2.50	$3,440	$287
Kemper	1.25	$1,124	$94

How Much Car Insurance Is in the Bronx

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.

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, as carriers have to pay out more in claims for treating injuries. Additionally, New York is a no-fault state, which means additional coverages like personal injury protection are required, further increasing the overall cost of insurance for drivers.

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.

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.

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: Savings for bundling auto insurance with other policies like home or renters insurance.
Multi-car discount: Reduced rates for insuring more than one vehicle on the same policy.
Good driver discount: Savings for maintaining a clean driving record with no accidents or traffic violations.
Defensive driving course discount: Discounts for completing an approved defensive driving course.
Good student discount: Reduced rates for students who maintain a certain GPA.
Military discount: Savings for active-duty military, veterans and their families.
Senior discount: Reduced rates for drivers over a certain age, often 55 or older.
Safe vehicle discount: Discounts for cars equipped with safety features like anti-lock brakes or anti-theft devices.
Low mileage discount: Reduced rates for drivers who drive fewer miles than the average.
Pay-in-full discount: Savings for paying the entire premium upfront rather than in monthly installments.
Auto-pay discount: Reduced rates for setting up automatic payments.
Paperless billing discount: Savings for opting for electronic billing over paper statements.
Loyalty discount: Reduced rates for staying with the same insurance provider for a certain number of years.
Early renewal discount: Savings for renewing your policy before it expires.
Occupational discount: Reduced rates for certain professions that are considered low-risk.
Homeowner discount: Savings for owning a home, even if it's not insured by the same company.
Student away at school: Reduced rates for students who are attending school far away from home and not driving as much.
Affinity discount: Savings for being a member of certain organizations or alumni associations.
Hybrid/Electric car discount: Reduced rates for driving a hybrid or electric vehicle.
Telematics discount: Savings based on driving behavior as monitored by a telematics device.
Accident-free discount: Reduced rates for not having any accidents over a certain period.
Family plan discount: Savings for adding multiple family members to the same policy.
New car discount: Reduced rates for insuring a new vehicle.
Daytime running lights discount: Savings for vehicles equipped with daytime running lights.
Anti-theft device discount: Reduced rates for cars equipped with anti-theft devices.

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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?

The cost of car insurance can vary widely depending on various factors, but generally, Kemper offers some of the most affordable rates in the Bronx. Its full coverage policies start at as low as $1,124, making them a cost-effective option for many drivers.

Which car insurance company is the best in the Bronx?

American Family stands out as a top choice in the Bronx, offering a balance of affordability, extensive coverage options and strong customer service ratings. They also provide a range of discounts and telematics programs that can further reduce your premiums.

How much car insurance do I need?

The amount of car insurance you need depends on several factors, including your financial situation, the age and condition of your vehicle, and your comfort level with risk. At a minimum, you'll need to meet New York's state-required coverages, but you may want to consider additional coverages for more comprehensive protection.

What is a no-fault state?

New York is a no-fault state, meaning that your own insurance will cover your medical expenses regardless of who is at fault in an accident. However, property damage is still covered by the at-fault driver's insurance. This system aims to speed up the claims process and reduce legal fees.

What does personal injury protection cover?

Personal injury protection (PIP) is a coverage that pays for medical expenses for you and your passengers after an accident. In some cases, it may also cover lost wages and other damages. It's especially useful in no-fault states like New York, where it can quickly provide funds regardless of who is at fault.

How can I save on car insurance in the Bronx?

To save on car insurance in the Bronx, consider comparing quotes from at least three providers. Take advantage of multi-car or safe driver discounts, and explore telematics programs that reward safe driving habits. American Family, for example, offers programs like KnowYourDrive that can lead to additional savings.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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sources

J.D. Power. "Auto Insurance Shopping Surged during Pandemic in 2020 but Little Brand Differentiation Apparent, J.D. Power Finds." Accessed October 25, 2024.
J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds." Accessed October 25, 2024.
National Association of Insurance Commissioners. "Kemper Independence Ins Co National Complaint Index Report." Accessed October 25, 2024.
National Association of Insurance Commissioners. "American Family Ins Co National Complaint Index Report." Accessed October 25, 2024.
National Association of Insurance Commissioners. "Chubb Natl Ins Co National Complaint Index Report." Accessed October 25, 2024.
National Insurance Crime Bureau. "New Report Shows Full-Size Trucks Have Highest Theft Rate." Accessed October 25, 2024.
Quadrant Information Services. "Home." Accessed October 25, 2024.