Cheap Auto Insurance Quotes in Mount Vernon, NY (2021)

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Car Insurance in Mount Vernon, NY

The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Mount Vernon, NY to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$113
$128
$161
$316
ProgressiveGEICOState FarmLiberty Mutual
Monthly $

Cheapest Car Insurance in Mount Vernon, NY

Here are the cheapest carriers in Mount Vernon for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$223
$181
$204
$366
$186
$180
New YorkNew YorkBrooklynBronxStaten IslandMount Vernon
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Mount Vernon, NY Driving Facts

new-york

Minimum Car Insurance Requirements in NY

The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liablilty insurance requirements in New York are: 

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

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

New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.

What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:

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

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Find local Mount Vernon agents

Munoz & Munoz Insurance 
236 Westchester Ave, Mount Vernon, NY 10552
A-Absolute Brokerage Inc. 
24 W Sandford Blvd, Mount Vernon, NY 10550-4416
BERMUDEZ INSURANCE AGENCY INC DBA- ALLSAFE INSURANCE & SERVICES
75 Gramatan Ave, Mt Vernon, NY 10550,
Patricia Valdez: Allstate Insurance
740 S Fulton Ave, Mt Vernon, NY 10550
Al Buglione: Allstate Insurancev
35 1/2 W Grand St, Mt Vernon, NY 10552
L.P.H. - Farmers Insurance Agency
14 E 1st St #1, Mt Vernon, NY 10550
Corey Anthony - State Farm Insurance Agent
579 Gramatan Ave, Mt Vernon, NY 10552
Al Buglione: Allstate Insurance
35 1/2 W Grand St, Mt Vernon, NY 10552
Allstate Insurance Agent: Dennis Rollins
667 E Lincoln Ave, Mt Vernon, NY 10552
Allstate Westchester Insurance Agency
738 S Fulton Ave, Mt Vernon, NY 10550

Insurify Insights: How Mount Vernon Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Mount Vernon, NY
suspended licenses
#39
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Mount Vernon drivers measure up to their fellow New York motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Mount Vernon

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Mount Vernon drivers rank 24 in the number of car accidents per driver across all cities in New York.

  • Rank within state: #24
  • Percent of drivers in Mount Vernon with an accident: 7.4%
  • Drivers in Mount Vernon, NY with an accident in their driving history paid on average 6.21% more than drivers with a clean record

Speeding Mount Vernon

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Mount Vernon drivers rank 23 in the number of speeding infractions per driver.

  • Rank within state: #23
  • Percent of drivers in Mount Vernon with a speeding ticket: 4.93%
  • Drivers in Mount Vernon, NY with a speeding ticket in their driving history paid on average -95.4% more than drivers with a clean record

DUI/DWIs Mount Vernon

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Mount Vernon drivers rank 7 in the number of DUI’s per driver across all cities in New York.

  • Rank within state: #7
  • Percent of drivers in Mount Vernon with a DUI: 1.79%
  • Drivers in Mount Vernon, NY with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Mount Vernon

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Mount Vernon is the Honda Accord.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.