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

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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.
GEICOProgressiveState FarmLiberty Mutual

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!

Average Car Insurance Cost

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New Rochelle, NY Driving Facts


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.

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.

Driving History
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 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.

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.

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.

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

Insurify Insights: How New Rochelle Drivers Measure Up

Honda Accord
Most Popular Car in
New Rochelle, NY
suspended licenses
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 New Rochelle 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 in New Rochelle

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 28 in the number of car accidents per driver across all cities in New York.

  • Rank within state: #28
  • Percent of drivers in New Rochelle with an accident: 6.79%
  • Drivers in New Rochelle, NY with an accident in their driving history paid on average --% more than drivers with a clean record

Speeding in New Rochelle

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 4 in the number of speeding infractions per driver.

  • Rank within state: #4
  • Percent of drivers in New Rochelle with a speeding ticket: 7.86%
  • Drivers in New Rochelle, NY with a speeding ticket in their driving history paid on average -96.34% more than drivers with a clean record

DUI/DWIs in New Rochelle

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Rochelle drivers rank 39 in the number of DUI’s per driver across all cities in New York.

  • Rank within state: #39
  • Percent of drivers in New Rochelle with a DUI: 0.71%
  • Drivers in New Rochelle, NY with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in New Rochelle

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

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

How old do you have to be to have a license in NY?

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.

Do I have to be a U.S. citizen to get a driver’s license in NY?

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.

How can I get cheaper auto insurance in NY?

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.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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