Cheap Auto Insurance Quotes in White Plains, NY (2021)

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Car Insurance in White Plains, 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 White Plains, NY to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
ProgressiveGEICOLiberty MutualState Farm
Monthly $

Cheapest Car Insurance in White Plains, NY

Here are the cheapest carriers in White Plains 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)
New YorkNew YorkBrooklynBronxStaten IslandWhite Plains
Monthly $

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White Plains, 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.

Find local White Plains agents

Scavone Insurance Center 
470 Mamaroneck Ave Ste 205, White Plains, NY 10605
Tri State Insurance Brokerage LLC. - Frank Kolovic 
277 Tarrytown Rd, White Plains, NY 10607
Wm. E. Morrell Inc 
128 Court Street, White Plains, NY 10601
NFP Property & Casualty Services, Inc 
707 Westchester Ave Ste 201, White Plains, NY 10604-3154
FMB Benefits, Inc. 
34 S Broadway Ste 216, White Plains, NY 10601-4431
Brown & Brown of NY, Inc. 
1133 Westchester Ave Ste N-136, White Plains, NY 10604-3546
Gallagher Benefit Services, Inc. 
2 Westchester Park Drive Ste 300, White Plains, NY 10604-3417
Thomas Solimine Agency 
60 Albemarle Rd, White Plains, NY 10605-3302
Brian Wallach Agency, Inc. 
1 N Broadway Ste 406, White Plains, NY 10601-2365
Theiss Agency, Inc. 
600 N Broadway Ste 224, White Plains, NY 10603-2470

Insurify Insights: How White Plains Drivers Measure Up

Honda Accord
Most Popular Car in
White Plains, 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 White Plains 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 White Plains

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. White Plains drivers rank 14 in the number of car accidents per driver across all cities in New York.

  • Rank within state: #14
  • Percent of drivers in White Plains with an accident: 9.34%
  • Drivers in White Plains, NY with an accident in their driving history paid on average 25% more than drivers with a clean record

Speeding White Plains

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, White Plains drivers rank 2 in the number of speeding infractions per driver.

  • Rank within state: #2
  • Percent of drivers in White Plains with a speeding ticket: 8.95%
  • Drivers in White Plains, NY with a speeding ticket in their driving history paid on average 15.53% more than drivers with a clean record

DUI/DWIs White Plains

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. White Plains drivers rank 21 in the number of DUI’s per driver across all cities in New York.

  • Rank within state: #21
  • Percent of drivers in White Plains with a DUI: 1.17%
  • Drivers in White Plains, NY with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle White Plains

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in White Plains 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.