Auto Insurance Bronx NY

Auto insurance Bronx NY. New Yorkers are more likely to use public transport than they are to drive, which saves them money and helps avoid parking fees. For those who own cars, car insurance is something they cannot ignore.

Around 40% of Bronx residents drive their own vehicle. This statistic suggests that it would be easier to drive around the city. However, gridlock is still a constant throughout the area. Even if your car is stationary, insurance is still necessary. This makes it much easier to get quality coverage in the city.

The cost of New York car Insurance can vary between cities and insurance companies. Insuranceyesterday has analyzed the most recent insurance rates in Bronx NY to help you find the best deals.

Cheapest auto insurance Bronx NY

For the following user profile, here are the cheapest Auto Insurance Bronx NY carriers: A single, 30-year-old male with a clean driving history who drives a 2012 Honda Accord. He also pays a $1,000 deductible to the state’s minimum insurance.

Cheapest Companies Quotes   
Tsc Direct $168/mo  
Kemper preferred $214/mo  
Travelers $262/mo  
Liberty Mutual   $344/mo
Progressive $368/mo  
State Farm   $385/m  

Best Car Insurance Bronx NY

Bronx, NY

The Insurance Composite Score was calculated by taking into account multiple factors that are indicative of the quality, reliability, health, and safety of an insurance company. The score is calculated using financial strength ratings from Standard & Poor’s and Moody’s as well as Fitch; J.D. Consumer Reports customer satisfaction surveys, power ratings, mobile app reviews and user-generated carrier reviews are all factors that contribute to the score. These are the top-rated Auto Insurance Bronx NY companies. 

Best Companies Score  Quotes 
Nationwide 89 $584/mo
Safeco 86 $413/mo
American Family   84 $430/mo
Liberty Mutual   82 $549/mo
Travelers   80 $267/mo

Average car insurance cost

New York Cities
New York $321/mo
Brooklyn $417/mo
Staten Island $190/mo
Buffalo $151/mo
Bronx $360/mo

NY Minimum Car Insurance Requirements

New York law requires that all motor vehicle operators have proof of insurance in their car. New York’s minimum requirements for bodily injury liability insurance are:

  • $25,000 bodily injury liability per individual
  • $50k bodily injury liability per accident

Bodily injury coverage covers you for injuries sustained in an accident. New York’s minimum coverage requirements are $25,000 for an injury or death to a single person in a car accident, and $50,000 for multiple injuries or deaths.

 This coverage is listed by insurance providers at 25/50. Each minimum has its limitations. Liability coverage covers you for damages up to the policy limit. 

You are responsible for damages exceeding the policy limit, which is $50,000.

Also know>> Best Cars Insurance Companies of U.S

New York’s minimum requirements for property damage liability insurance are:

  • Ten Thousand Dollars per accident property damage liability

Property damage liability coverage covers any property you cause to others as a result of an accident. New York’s minimum requirement is $10,000. 

The collective state minimum is listed at 25/50/10. The property damage liability is the second 10. You are responsible for any damage exceeding $10,000.

  • Personal injury protection (PIP), $50,000 per accident

New York is a state of no-fault, and Personal Injury Protection (also known as no-fault insurance), is mandatory for all drivers. New York PIP protects you, your immediate family and passengers from economic and medical losses. The minimum requirement is $50,000.

  • $25,000 uninsured/underinsured motorist bodily per person
  • $50,000 uninsured/underinsured motorist bodily per accident

What happens if you are hit by a driver without insurance? The state requires coverage for uninsured motorists and under-insured drivers.

If you are injured by hit-and-run drivers or someone without insurance, uninsured motorists bodily injuries will pay your medical bills.

If you are injured by an uninsured motorist, bodily injury will pay your medical costs.

Bronx Car Insurance Rates based on Driver Age

Bronx motorists know that their insurance rates may be different from those of their neighbors. Insurance companies consider more than just the driver’s location when setting rates. Age is also a factor.

 In the Bronx, insurance for twenty-something drivers is almost twice as expensive as that of those in their 30s. Why? Statistics show that mature drivers are less likely to make mistakes. The Bronx has insurance premiums that decline with age. On average, those in their 70s pay $334 per month.

Credit Tie Avg. Monthly Cost 
Excellent $305
Good $412
Average $451
Poor $540  

Bronx NY DMV Information

Drivers in the Bronx have access to a Bronx License Center as well as a Bronx Registration Center. The license center can be found at 1350 Commerce Avenue. The registration center can be found at 696 East Fordham Road. 

You can access most driver services online, even though in-person services may be available at both locations. The Department of Motor Vehicles Document Guide can be used to help you register your vehicle.

Public Transportation in Bronx NY

It is possible to get around the 42-square-mile borough by public transport, but it requires planning. New York City’s subways that pass through Manhattan often end or begin in the Bronx. There are six lines stopping at 70 stations. Although taxis are more common in Manhattan, they are not as widespread in the area. If all else fails you can still get an Uber.

Here’s what drivers in the state of New York pay for auto insurance coverage in each age range.

Driver’s Age Avg. Monthly Cost
Teens $855
20s $431
30s $292
40s $281
50s $248
60s $224
70s $220
80+ $241

How can you get the best and cheapest auto insurance in Bronx NY?

Although your chances of seeing a foul ball at Yankee Stadium is slim, you will be able to get out there and make some money. It is better to risk catching the ball than going on the road with no insurance.

Sometimes the odds are against you, it’s true. When you buy auto insurance, however, the odds are not in your favor. InsuranceYesterday allows you to use statistics to your advantage. It quickly crunches the numbers for you, and then turns you on to the best auto insurance rates.

Find local Bronx agents

L M Insurance & Financial Services LLC; Daniel Lopez Brokerage 

200 Emerson Ave, Bronx, NY 10465

Discovery Brokerage LLC 

1178 E Gun Hill Rd, Bronx, NY 10469-2900

Morea Agency LLC 

2964 Middletown Rd, Bronx, NY 10461-5310

Accidents Bronx

Car accidents are an inevitable part of life. However, accidents rates vary from one city to the next and even from one state to another. The number of car accidents per driver in New York City ranks 36 for Bronx residents.

  • Rank within a state: #36
  • Bronx drivers who were involved in an accident: 4.96%
  • Bronx drivers who have had an accident in their driving record paid on average 0.2% more than those with clean records

Speeding Bronx

Exceeding the speed limit can cause serious injury to others, which can result in a permanent blemish on your driving record. Bronx drivers are 34th in New York City in speeding offenses per driver.

  • Rank within a state: #34
  • Bronx: 4.24% – Percentage of Bronx drivers who have been given a speeding ticket
  • Drivers who have had a speeding ticket in the driving record paid an average of -94.51% less than those with clean records.

Bronx DUI/DWI

Driving while impaired is a serious offense. However, it’s more common than people think. Bronx drivers are 32th in New York City in terms of DUIs per driver.

  • Rank within a state: #32
  • Bronx DUI rate: 0.98%
  • Bronx drivers who have had a DUI in their driving record paid an average of 2.74% less than those with a clean record.

Rude Bronx       

Insurify defines rude drivers as people who drive in a manner that is not safe or legal. Bronx drivers are 12th in New York City for rude driving infractions.

  • Ranking within a state: #12
  • Bronx drivers with reckless driving violations: 1.54%
  • Drivers with reckless driving violations in Bronx, NY paid an average of -81.86% less than those with clean driving records.

Bronx’s Safest Drivers

A clean driving record is something to be proud about. There are some cities that have safer drivers than others. Bronx drivers rank first in New York City for clean driving records.

  • Ranking within a state: #1
  • Bronx drivers with a clean driving record are 90.13%

Failing to yield the Right of Way Bronx

It’s not only frustrating for other drivers, but it can also be dangerous. Bronx drivers are number 7 in New York City for failing to yield.

  • Rank within a state: #7
  • Bronx drivers who have failed to yield: 0.38%
  • Drivers who had a failing to yield violation in the driving record paid an average of 2700% more than those with a clean record

Bronx Reckless Drivers

Reckless driving is a traffic offense that involves drivers who act recklessly despite the dangers they are posing to others. Bronx drivers are the 11th most reckless drivers in New York.

  • Ranking within a state: #11

The Most Popular Vehicle Bronx

There are certain car models that are more popular than others, and trends can change from one place to the next. Honda Accord is Bronx’s most loved vehicle.

FAQs – Bronx, NY Car Insurance

What age do you need to be in order to get a NY license?

New York offers a multi-stage licensing program. Although there are some differences between New York City, New York State, and the steps involved in applying for a learner’s permit can be applied for by teenagers when they turn 16. Teens who have had a learner permit for at least six month may apply for a junior driver license. Once they turn 17, an unrestricted license will be available.

To get a NY driver’s licence, do I need to be a U.S. citizen?

A valid driver’s licence from another country is required to drive in New York State. If you are a New York State resident, you don’t need to apply for a New York State driving license. The Driver’s License Access and Private Act (or Green Light Law) allows you to legally drive in New York as long as you are not undocumented. You will need to prove your name and address. The permit and licensing exams must be passed.

What are the best ways to get auto insurance in Auto Insurance Bronx NY cheaper?

Pricing auto insurance is complicated. Some factors are easier to control than others. Your age, gender and credit score can all impact the cost of auto insurance.

 New York offers a Point and Insurance Reduction Program (PIRP), which can reduce up to 4 points from your driving record. Points are also used by insurance companies to decide how much to charge you.

 You may also be eligible for discounts by bundling your car and other policies, installing safety features, or making a life-changing decision like getting married.

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