Auto insurance rates may vary from city to city, but did you know they may even fluctuate based on your neighborhood and ZIP code? New York City is no exception. Bronx drivers pay an average of $4,492 per year, or $374 per month, for full coverage auto insurance and $2,007 for minimum coverage. This is expensive compared to the national average annual rate of $1,771 for a full coverage auto insurance policy.

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Bronx motorists may pay high car insurance premiums, in part, due to high accident and auto theft rates. However, Bankrate has surveyed the market and found several insurance companies, including American Family, Progressive and Geico, that offer average auto insurance rates cheaper than the average in Bronx.

Best cheap car insurance companies in Bronx

New York offers a multitude of options for car insurance, and the Bronx is no exception. Bankrate evaluated the market, searching for car insurance companies that offer affordable rates as well as a variety of coverage options and discounts. We also looked for carriers with the financial strength to back claims obligations and those that ranked highly in J.D. Power’s 2022 U.S. Auto Insurance Study. Based on rate data provided by Quadrant Information Services, we determined that American Family, Progressive and Geico offer some of the lowest rates for Bronx car owners.

Our editorial team produced a Bankrate Score for each carrier using a 5-point scale. In addition to the metrics above, we assessed each provider’s availability, customer service history and endorsements. We also looked for insurers that offer online and mobile tools that enable policyholders to manage their policies and claims virtually. Here is what we found.

Insurance company Bankrate Score J.D. Power score (New York) Average annual premium for full coverage Average annual premium for minimum coverage
American Family 4.3 Not rated $1,333 $606
Progressive 4.4 811/1,000 $2,536 $1,554
Geico 4.7 829/1,000 $3,179 $1,350
Erie 4.5 Not rated $3,899 $1,964
USAA* 5.0 891/1,000 $4,204 $1,989

*Not eligible for official ranking with J.D. Power due to eligibility restrictions. 

American Family

Although American Family did not make the cut in J.D. Power’s car insurance study, the provider offers some of the lowest average full and minimum coverage rates on our list. Along with all standard auto insurance coverages, American Family offers optional accidental death and dismemberment, emergency road service, gap and rental car reimbursement coverages. Policyholders could save on their premium with potential discounts for new customers, early quotes and even for drivers under 25 who complete 40 hours of volunteer work with a non-profit. Drivers who move frequently should note that American Family only offers coverage in 19 states.

Learn more: American Family Insurance review

Progressive

Founded in 1937, Progressive is the third-largest auto insurance provider in the country. Along with all standard auto insurance coverages, the insurer offers a few optional protections, including custom parts and equipment coverage, gap insurance, rental car reimbursement and rideshare coverage. Progressive offers an array of potential savings opportunities, including automatic payment, good student, homeowner, multi-car, multi-policy and paperless billing discounts. Progressive puts you in the driver’s seat with its Name Your Price Tool, which enables you to shop for car insurance based on your budget. However, Progressive earned a below-average New York customer satisfaction score in the J.D. Power study.

Learn more: Progressive Insurance review

Geico

Geico is currently the second-largest provider in the country, based on auto insurance market share. In the J.D. Power study, Geico earned an above-average customer satisfaction score, and has achieved the highest AM Best financial strength rating of A++ (Superior). The carrier offers a variety of discounts, including discounts for military members and employees or members of participating companies and organizations. Geico is one of the cheapest carriers, on average, for policyholders adding a young driver to their policy, but it only offers three add-on coverage options. While Bronx car owners can purchase auto insurance over the phone or online, Geico does not operate a Bronx office.

Learn more: Geico Insurance review

Erie

Erie is a regional provider that only operates in 12 states, including New York. Besides all standard car insurance coverages, Erie customers can also purchase optional pet coverage, new car protection, and ridesharing coverage. Erie did not earn a score in the 2022 J.D. Power survey but ranked highly in the corresponding 2021 survey. The carrier gives policyholders numerous ways to reduce their premiums, with potential discounts for young drivers, vehicle storage, and multi-policy. The company also offers its Rate Lock feature, which may help keep your rates stable year after year. Erie does not offer online quotes, but you can request quotes and buy coverage through numerous independent insurance agents in the state.

Learn more: Erie Insurance review

USAA

Although USAA earned the highest customer satisfaction score in the 2022 J.D. Power car insurance study, the carrier only sells auto insurance to members of the U.S. Armed Forces, veterans and their spouses and children. Among our top picks, USAA has the highest average full coverage and minimum coverage Bronx rates, but the provider offers customers several ways to reduce their premiums. These include potential discounts for vehicle storage, safe driving and bundling. USAA does not offer as many endorsements as some of the carriers on this list, but it does offer optional roadside assistance and rental car reimbursement.

Learn more: USAA Insurance review

How to get and keep the cheapest car insurance in Bronx

Finding cheap car insurance in the Bronx might seem daunting, but Bankrate has narrowed the field to help you make an informed choice. When shopping for car insurance, Bronx drivers may find more affordable rates with these tips:

  • Compare quotes: Requesting auto insurance quotes from several insurers could allow drivers to better compare coverages, discounts and rates.
  • Take advantage of discounts: Looking for carriers with applicable discounts could help you lower your premium. For instance, if you have a teenage driver on your policy, you might look for providers that offer good student discounts.

Your car insurance rate may increase over time, but these steps may help you keep your premiums low:

  • Avoid accidents and traffic tickets: Insurers may see you as more likely to file a claim if you have accidents and traffic tickets on your driving record. Plus, safe driving habits may make you eligible for safe driver discounts.
  • Maintain your credit score: New York car insurance companies are legally allowed to use your credit-based insurance score to determine your rates. Maintaining a high score could help you keep your premium low.
  • Inquire about discounts: Over time, you might qualify for discounts that were not available to you when you purchased your policy. For example, if you don’t file a claim for several years, you might qualify for a claims-free discount.

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