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Cheap Auto Insurance Quotes in New Rochelle, NY (September 2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka

Updated February 4, 2022

Called a “crazy quilt of neighborhoods” by the New York Times, this 13-square-mile waterfront suburb offers New Yorkers an escape from city crowds. While being close to Times Square and right by the beach is ideal, it doesn’t come without a price, and housing comps here show it. Shaving off as much extra debt as possible to afford life in New Rochelle is important—including making the right cuts to car insurance.

While drivers here know they have to have it, they also want to be sure they aren’t overspending on their car insurance coverage. That’s why keeping up with your coverage and comparing auto insurance policies is so important.

Car Insurance in New Rochelle, 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 New Rochelle, NY to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in New Rochelle is $274 per month, or $3288 annually.
  • Car insurance in New Rochelle is $48 more than the average cost of car insurance in New York.
  • The cheapest car insurance provider in New Rochelle on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

GEICO
$91
Progressive
$122
State Farm
$129
Liberty Mutual
$316

Cheapest Car Insurance in New Rochelle, NY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in New RochelleQuotesThe 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.
GEICO$91 /mo
Progressive$122 /mo
State Farm$129 /mo
Liberty Mutual$316 /mo

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Average Car Insurance Cost

New York Cities
New York$321/mo
Brooklyn$417/mo
Staten Island$186/mo
Buffalo$151/mo
New Rochelle$165/mo
New York$248/mo
Buffalo
$151
New Rochelle
$165
Staten Island
$186
Average for NY
$248
Average for NY
$321
Brooklyn
$417
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in New York

All motor vehicles operated or parked on New York roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in New York[1] are:

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

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New York is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $50,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

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

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In New York, this coverage is for bodily injury resulting from accidents with either type of driver.

New Rochelle Car Insurance Rates by Driver Age

Young adults in their 20s might have a tough time paying $453 per month for car insurance. New Yorkers see prices go down as they increase the years of experience behind the wheel. For this reason, those in their 30s snag a $200 price break from what the youngest drivers shell out. From then on, the rates dive below the state average of $349, with only those in their 50s spending slightly above that. Those in their 70s lock in the best deal with a price that’s less than half of what twentysomethings pay.

Driver's AgeAvg. Monthly CostThe 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.
teensN/A
20s$453
30s$222
40s$243
50s$364
60s$223
70s$212
80sN/A

New Rochelle Car Insurance Rates by Driving and Accident History

In the Empire State, safe driving offers more benefits than one. Residents enjoy the peace of mind defensive driving provides, and insurance companies reward the most responsible motorists with “good driver” and “accident-free” discounts. If so, why do drivers with no violations pay the most? Often, drivers with violations strip down their policies and opt for liability only, skipping comprehensive and collision coverage. All things being equal, the safest drivers pay the least. Those with less-than-perfect records only have to wait three years before they qualify for the best rates again.

Driving HistoryAvg. Monthly CostThe 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.
No Violation$286
Speeding Ticket$127
At-Fault Accident$209
Failure to Stop for Red Light / Stop Sign$238

New Rochelle Car Insurance Rates by Credit Tier

Many New Rochelle residents have pondered just how credit relates to driving. In New York, like in most states, insurance companies factor in credit when setting rates. Naturally, people with better credit pay less. Why do those with good credit pay less than those with excellent credit? People with excellent credit might finance costlier cars and get more coverage to protect their assets. Either way, moving from poor to good credit saves over $150 per month, or $1,800 per year.

Credit TierAvg. Monthly CostThe 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.
Excellent$252
Good$234
Average$302
Poor$395

Find local New Rochelle agents

  • Brightway Insurance, The Ramirez Agency 

    405 North Ave,
    New Rochelle, NY 10801
  • Dai Consulting, Inc dba RiskBlock 

    371 North Ave,
    New Rochelle, NY 10801
  • Marenco Insurance Agency 

    36 Church St,
    New Rochelle, NY 10801
  • Dumont Insurance Brokers Corp 

    31 Fenimore Rd,
    New Rochelle, NY 10804
  • The LaCugna Agency 

    165 Brookdale Ave.,
    New Rochelle, NY 10801-2712
  • Highline Risk Solutions LLC 

    5 Glenbrook Rd,
    New Rochelle, NY 10804-4607
  • M.L. Bruenn Co., Inc

    240 North Ave,
    New Rochelle, NY 10801
  • Juan Gonzales: Allstate Insurance

    215 North Ave,
    New Rochelle, NY 10801
  • Leslie Vixama: Allstate Insurance

    239 Main St,
    New Rochelle, NY 10801
  • WISE Agency

    680 Main St,
    New Rochelle, NY 10801
View more

New Rochelle, NY DMV Information

If you have anything on your DMV to-do list, these days, taking care of it is easiest if you go online. Online services are available for both driver’s license services and registration. If you want to talk to a warm body, you’ll want to go either into the Yonkers or White Plains DMV locations. The Yonkers location is at 1 Larkin Plaza and is open from 8 a.m. to 6 p.m. Monday through Friday. If visiting White Plains, the address is 200 Hamilton Ave. Its hours of operation are Monday through Wednesday 8:30 a.m. to 7 p.m., Thursday from 10 a.m. to 8:15 p.m., and Friday from 8:30 a.m. to 6 p.m. If you have any trouble finding anything while online, don’t miss the Ask a Question chat option.

Public Transportation in New Rochelle, NY

In terms of getting around New Rochelle and stops nearby, the Bee-Line is the public transportation system for Westchester County. Route 30 takes passengers from Yonkers and Bronxville to New Rochelle stops, including transit stations. Senior Citizen Vans also are available in New Rochelle to help qualifying riders get essential services like food and medication. The train station at New Rochelle accommodates both the Metro-North railroad line and the regional Amtrak line, with connections to Boston, New York, and Washington, D.C. New Rochelle’s Metro-North stop on the New Haven line offers six weekday trains to Grand Central Station between 6 a.m. and 9 a.m. Traditional taxi and limousine services are offered in this town, as well as on-demand rideshare options Carmel, Uber, and Lyft.

How to get the best and cheapest car insurance in New Rochelle, NY

Even though many New Rochelle residents commute into the city by train, plenty of people drive to work locally and as a means of getting out of town. No one should be on the road without insurance. It’s a risky move. Calculating your best insurance rates the fastest by using Insurify is the right way to make your next insurance decision.

Shopping for insurance with Insurify makes your insurance decisions easier and cheaper. How? Insurify asks you enough questions about yourself, your ride, and the way you drive to ensure you are getting the right amount of coverage at the best rate—including discounts. Do you have enough coverage for your state? Did you consider all your options? Did you grab all the discounts you qualify for? Using Insurify takes the guesswork out of car insurance shopping.

FAQs - New Rochelle, NY Car Insurance

  • New York has a multi-stage licensing program. While certain steps are different between New York City and New York State, when a teenager turns 16, they can apply for a learner’s permit. After having a learner’s permit for at least six months, teens may apply for a junior driver’s license, followed by an unrestricted license once they turn 17.
  • You can drive in New York State with a valid driver’s license from another country. You do not need to apply for a New York State driver’s license unless you become a New York State resident. As of December 16, 2019, the Driver’s License Access and Privacy Act, or Green Light Law, allows you to drive legally in New York if you’re undocumented. You’ll have to prove your name, date of birth, and residency. You must still pass the permit and licensing tests.
  • A lot of factors go into auto insurance pricing—some you can control better than others. Things like your age, gender, credit score, even marital status can affect cost—not to mention the ZIP code in which you live. In New York, a driver safety course called Point and Insurance Reduction Program (PIRP) is offered, which can shave up to four points off your driving record (points also help insurance companies decide what to charge you). Discounts like bundling your car insurance with other policies, having safety features on your car, or even a life change like getting married could also send lower rates your way.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How New Rochelle Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in New Rochelle, New York below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how New Rochelle drivers measure up to their fellow motorists across New York in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in New Rochelle

#63

City with the Most Speeding Tickets Rank in New York

#46

City with the Most Moving Violations Rank in New York

#46

City with the Most DUIs Rank in New York

#120

City with the Most Suspended Licenses in New York

  • 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. New Rochelle drivers rank 73 in the number of car accidents per driver across all cities in New York.

    • Rank within state: #73
    • Percent of drivers in New Rochelle with an accident: 8.5%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Rochelle drivers rank 46 in the number of DUI’s per driver across all cities in New York.

    • Rank within state: #46
    • Percent of drivers in New Rochelle with a DUI: 1.6%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, New Rochelle drivers rank 36 in the number of reckless driving offenses per driver.

    • Rank within state: #36
    • Percent of drivers in New Rochelle with a reckless driving offense: 2%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, New Rochelle drivers rank 35 in rude driving infractions.

    • Rank within state: #35
    • Percent of drivers in New Rochelle with a reckless driving violation: 2.4%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, New Rochelle drivers rank 63 in the number of speeding infractions per driver.

    • Rank within state: #63
    • Percent of drivers in New Rochelle with a speeding ticket: 7.7%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; New Rochelle drivers rank 112 in clean driving records across all cities in New York.

    • Rank within state: #112
    • Percent of drivers in New Rochelle with clean record: 75.4%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. New Rochelle drivers rank 31 in hybrid and electric vehicle ownership across all cities in New York.

    • Rank within state: #31
    • Percent of drivers in New Rochelle with a hybrid/electric vehicle: 1.81%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. New York Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022