The Bronx Auto Insurance
Last Updated on January 21, 2026
Looking for car insurance in The Bronx, New York? Between busy commutes, tight parking, and year-round weather that can bring slick roads and potholes, having the right coverage matters as much as the price.
This guide breaks down New York’s required coverages, what drivers commonly pay in The Bronx, and practical coverage recommendations—plus a list of insurers and local agents you can contact.
The Bronx Auto Insurance at a Glance
- NY Coverage Is Mandatory: To register and drive legally, New York requires liability, and most policies also include no-fault (PIP) and uninsured motorist coverage.
- The Bronx Rates Can Run Higher: Dense traffic, parking exposure, and claim frequency can push premiums above many other NY areas.
- Full Coverage Isn’t “Required” by Law: But lenders and leases typically require collision and comprehensive until the loan is paid off.
- Shopping Matters: Comparing quotes and adjusting deductibles/limits can make a meaningful difference without cutting key protections.
New York Auto Insurance Requirements
New York’s minimum auto insurance requirements apply statewide, including for drivers in The Bronx. Limits and rules can change, so it’s smart to double-check current requirements before you buy or renew a policy.
| Coverage | New York Minimum Requirement |
| Bodily Injury Liability (Injury) | $25,000 per person / $50,000 per accident |
| Death Liability | $50,000 per person / $100,000 per accident |
| Property Damage Liability | $10,000 per accident |
| No-Fault (PIP) | $50,000 per person |
| Uninsured Motorist (Bodily Injury) | $25,000 per person / $50,000 per accident |
Source: NY DMV – New York State Insurance Requirements
What These Coverages Do (In Plain English)
Liability (Bodily Injury/Death/Property Damage) helps pay for injuries, fatalities, or damage you cause to others in a crash. Because serious accidents can exceed minimum limits quickly, many drivers choose higher liability limits to better protect savings and income.
No-Fault (PIP) helps cover medical bills and related expenses for you (and typically certain passengers) after a crash—regardless of who caused it—up to the policy limit.
Uninsured Motorist helps protect you if you’re hit by a driver who has no insurance (or in certain hit-and-run situations). Many drivers also consider higher uninsured/underinsured limits for added protection.
How Much Does Car Insurance Cost in The Bronx?
Pricing depends on your ZIP code, driving history, vehicle, annual mileage, and where you park. That said, published market averages can help you set expectations when shopping.
Average cost in The Bronx (As of Nov 2025, rates refreshed): Bankrate reports an average of $2,746/year for state-minimum coverage and $6,368/year for full coverage in The Bronx. That’s about $229/month (minimum) and $531/month (full coverage). Source: Bankrate – Bronx, NY Car Insurance
| Policy Type | Typical Monthly | Typical Annual |
| NY Minimum Coverage | ~$229/mo | $2,746/yr |
| Full Coverage (Liability + Comprehensive + Collision) | ~$531/mo | $6,368/yr |
Why prices vary: insurers price risk differently by location, claims trends, theft/vandalism exposure, repair costs, and driver profile details (age, tickets/accidents, credit-based insurance score where permitted, and coverage selections). Even small changes—like deductibles or adding a driver—can shift quotes noticeably.
Good to know: If you park on the street often, review your comprehensive coverage and deductible—this is the part that typically helps with theft, vandalism, glass damage, and other non-collision losses.
Recommended Coverage for Drivers in The Bronx
Minimum coverage may satisfy New York’s legal requirements, but it often isn’t enough for real-world costs in a serious crash. Many Bronx drivers choose coverage that better matches local driving and parking exposure.
- Consider Higher Liability Limits: If you have savings, income, or assets to protect, higher bodily injury/property damage limits can reduce out-of-pocket risk after a major accident.
- Add Collision and Comprehensive When It Makes Sense: Especially if your car is financed/leased—or if replacing your vehicle would be difficult—these cover damage to your car from crashes and non-collision events (theft, vandalism, weather, glass).
- Think About Uninsured/Underinsured Protection: Many drivers increase protection beyond the minimum with optional coverages (often called SUM in New York) to help if the other driver can’t fully pay for injuries.
- Pick a Deductible You Can Actually Afford: A higher deductible can lower premiums, but only choose it if you could comfortably pay it after a loss.
- Don’t Forget Practical Add-Ons: Rental reimbursement and roadside assistance can be low-cost options that reduce hassle after an accident or breakdown.
Good to know: In New York, SUM (Supplementary Uninsured/Underinsured Motorist) is a common upgrade that can increase injury protection beyond the required uninsured motorist minimum.
Best Car Insurance Companies for The Bronx
The “best” insurer depends on your driving history, vehicle, coverage needs, and how you prefer to manage your policy (online vs. agent). Here are solid options commonly considered by New York drivers, with quick guidance on fit.
| Company | Best for | Why it’s good | Watch-outs |
| GEICO | Online-first shoppers | Strong digital tools and often competitive pricing for many profiles | Rates can change at renewal; service experience varies by claim complexity |
| Progressive | Drivers who want flexible pricing | Useful comparison tools, broad discount ecosystem, strong optional coverages | Some drivers see larger swings after tickets/claims |
| State Farm | Agent support + bundling | Large local agent network and strong multi-policy options | Not always the cheapest in NYC-area ZIP codes |
| Allstate | Drivers wanting strong agent guidance | Many coverage add-ons and in-person help through local agencies | Pricing can be higher depending on driver profile |
| Travelers | Coverage customization | Good optional protections and bundling opportunities | Availability and rates vary by neighborhood and vehicle type |
| Liberty Mutual | Drivers who want add-ons | Plenty of endorsements and discount opportunities | Compare carefully—pricing can be less consistent by ZIP |
| Nationwide | Drivers who value agent + carrier support | Solid coverage options and local agency availability | Not available in every ZIP for every program |
| Erie | Service-focused buyers | Often strong claims satisfaction reputation and policy value | Availability varies; may require agent placement |
| USAA | Military families | Often excellent rates and high customer satisfaction for eligible members | Eligibility required (military/veteran family criteria) |
| Amica | High-service experience | Known for strong customer service and coverage options | Can be pricier; not ideal for every budget |
Best Auto Insurance Agents in The Bronx
If you prefer help comparing coverage, handling NY paperwork, or reviewing deductibles and limits, a local agent or independent agency can be a practical shortcut.
| Agency | Address | Phone | Website | Why they’re a good fit |
| Joy Washington Ins Agency Inc (State Farm) | 1946 Williamsbridge Road, Bronx, NY 10461 | 718-239-3514 | joywashington.com | Local office support for policy reviews, changes, and claims guidance |
| Ardit Bita (State Farm) | 709 Lydig Avenue, Bronx, NY 10462 | 718-684-6966 | State Farm Agent Page | Good option if you want an agent relationship with a major carrier |
| Traci Menes Insurance Agcy Inc (State Farm) | 4734 White Plains Rd, Bronx, NY 10470 | 718-325-0100 | tracimenes.com | Helpful for Bronx-area drivers who prefer phone/in-person support |
| Richard Nastasi (Allstate) | 5637 Mosholu Ave, Bronx, NY 10471 | 718-884-6040 | Allstate Agent Page | Allstate agency support for coverage customization and discounts |
| Morea Agency LLC (Independent) | 2964 Middletown Rd, Bronx, NY 10461 | 718-824-9698 | moreaagency.com | Independent agency that can shop multiple carriers for fit and price |
| BKB Insurance Agency, LLC (Independent) | 981 Morris Park Ave, 2nd Fl, Bronx, NY 10462 | 718-892-1000 | bkbagency.com | Good if you want an agency that can compare carrier options |
| Island Insurance Agency (Independent) | 498 City Island Ave, Bronx, NY 10464 | 718-885-1050 | islandinsuranceagency.com | Independent agency support with multi-carrier quoting |
| East Coast Motor Club (Agency) | 2319 Westchester Ave, Bronx, NY 10462 | 718-863-2525 | eastcoastmotorclub.com | Convenient for drivers who want in-person help and fast quoting |
| Azby Brokerage Inc. (Nationwide) | 1751 Crosby Ave, Bronx, NY 10461 | 718-828-4505 | azbybrokerage.com | Local brokerage option for drivers who prefer agency support |