Cheap Auto Insurance Quotes in New Rochelle, NY (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in New Rochelle, NY

Here are the cheapest carriers in New Rochelle 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

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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.

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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 Cost
teensN/A
20s$453
30s$222
40s$243
50s$364
60s$223
70s$212
80sN/A
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$252
Good$234
Average$302
Poor$395

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how New Rochelle stacks up for the state of New York:

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Honda Civic
Most Popular Car in
New Rochelle, NY
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Cities with Most
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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.