Best Auto Insurance Rates in Mount Vernon, New York

On average your neighbors pay $103 a month.

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Compare Auto Insurance in Mount Vernon

Wednesday, November 14 2018 By Shantae Young

Mount Vernon has an estimated population of 68,344. That makes it New York’s eighth largest city and the eleventh largest city in the US.

Its impressive size could be a result of how close it is to New York City. That helps make Mount Vernon the perfect place for people who want to raise a family. It’s also perfect for people who want to be close to the city without being in the thick of things.

Is it perfect for people who want cheap car insurance rates? That depends. It’s certainly perfect for those who use QuoteWizard.

Average Mount Vernon Car Insurance Rates

How much is car insurance in Mount Vernon, NY? Residents shouldn't be surprised to learn insurance is expensive here. Premiums are higher than many other parts of the US. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.

Prices vary depending on zip code, driving record, coverages, and limits.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
Total Cost Per Year $1,234.84
Price Per Month $102.90
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

QuoteWizard connects consumers to national carriers and local independent agents so they can compare quotes. Comparing quotes can help you find cheap car insurance rates near Mount Vernon, New York and save up to 40% on your premium.

Last year, 1,434 people used QuoteWizard to compare auto insurance quotes in Mount Vernon, NY from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Mount Vernon, NY

This is our list of the most common car insurance companies reported by QuoteWizard users living in Mount Vernon, NY last year. Of those 1,434 users, only 65 were uninsured.

  1. GEICO
  2. Progressive
  3. Allstate
  4. Liberty Mutual
  5. Nationwide
  6. Farmers
  7. State Farm
  8. AAA
  9. USAA
  10. Travelers

Other popular Mount Vernon, New York car insurance companies: Esurance, Country Financial, Hartford, MetLife, Safeco, Erie, Amica, and American Family.

Top 10 Vehicles

These are the most common car makes and models owned by Mount Vernon, NY drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord LX/EX
  2. Chevrolet Impala/LS/LT
  3. Honda Civic LX/EX
  4. Chevrolet Malibu/LS
  5. Chevrolet Equinox LS
  6. Ford F150
  7. Honda CR-V EX
  8. Chevrolet Blazer
  9. Hyundai Sonata GLS
  10. Chevrolet Cavalier

Minimum Car Insurance Requirements in Mount Vernon, NY

Mount Vernon, New York has a minimum coverage requirement known as the 25/50/10 rule, which means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your provider will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

Weather

Mount Vernon, like most of New York, has a humid climate. Summers are warm and bright. Around 200 days each year see at least partial sunshine. About 106 days see some amount of precipitation annually. A good portion of that is snow, as 33.8 inches fall in a typical winter.

Road Conditions

According to a recent TRIP study, 38% of New York’s major roads are in poor condition. Another 42% are in mediocre or fair condition. These worn and rough streets cost the state’s drivers $6.3 billion annually.

Traffic Congestion

According to TomTom's annual Traffic Index report, New York City has the third-worst traffic congestion in the US. The average commuter spends an additional 33 minutes per hour and 128 hours a year stuck in traffic during peak commute times (for commutes of 30 minutes). Because it’s so close to NYC, Mount Vernon residents also deal with a lot of traffic congestion.

Moving Violations

Some of the moving violations that will give you a bad driving record and make your car insurance very expensive:

  • Speeding tickets
  • Running red lights
  • Following other vehicles too closely
  • Drunk driving

Traffic Tickets

The State of New York DMV website:

  • Allows you to pay non-criminal traffic citations
  • Tells drivers how to request a hearing to contest a ticket
  • Provides helpful traffic court information

DWI Crash Statistics  

Westchester County reported 356 car crashes involving alcohol in 2014. That’s a 1% decrease from the 359 crashes reported the year before.

SR-22 DWI Insurance

A DWI conviction will require you to obtain an SR-22 form. To get the lowest rate for the most expensive type of coverage, get a quote and compare rates from top companies that specialize in Mount Vernon DWI insurance.

Car Accident Statistics

Westchester County reported 586 traffic accidents in 2016 resulting in 246 injuries and one fatality.

Vehicle Theft

Mount Vernon reported 123 motor vehicle thefts in 2016. That’s a rate of 1.79 per 1,000 residents. The national average is 2.20 per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the auto insurance discounts available to drivers in Mount Vernon, NY. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

  1. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Safe driver. If you have a perfect driving record, you may qualify for the accident free discount.
  5. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  6. Enroll in an accredited driving school and take a defensive driving course

Sources:

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