Best Auto Insurance Rates in New Rochelle, New York

On average your neighbors pay $103 a month.

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New Rochelle has so many things for residents and visitors alike to uncover. A few examples: the old-fashioned architecture that fills its neighborhoods, the city’s historic district, and the waterfront that offers all kinds of outdoor adventures.

Uncover everything you can about New Rochelle, and let QuoteWizard help you uncover the cheapest car insurance rates.

Average New Rochelle Car Insurance Rates

How much is car insurance in New Rochelle, NY cost? Residents shouldn't be surprised to learn insurance costs more here than it does in many other parts of the US. Average insurance rates in New York are higher than the national average. 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 driving history, age, gender, coverage, type of car, and zip code.

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 helps consumers compare insurance quotes from both national companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near New Rochelle, New York and save up to 40% on your premium.

Last year, 883 people used QuoteWizard to compare auto insurance quotes in New Rochelle, NY from multiple companies to find the lowest rates.

Best Car Insurance Companies in New Rochelle, NY

This is our list of the most common car insurance companies reported by QuoteWizard users living in New Rochelle, New York last year. Of those users, only 37 were uninsured.

Other popular New Rochelle, NY car insurance companies: Esurance, Farmers, AIG, USAA, Safeco, American Family, Amica, Country Financial, Erie, Allied Group, and Allstate.

Top 10 Vehicles

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

  1. Honda Accord LX/EX
  2. Honda Civic LX/EX
  3. Acura TSX
  4. Ford F150
  5. Honda CR-V EX/LX
  6. Toyota Camry/LE/XLE/SE
  7. Jeep Grand Cherokee Limited
  8. Nissan Altima 2.5/S/SV/SL
  9. Acura TL
  10. Nissan Maxima GLE/GXE/SE
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Minimum Car Insurance Requirements in New Rochelle, NY

New Rochelle, NY 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.

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New Rochelle offers residents warm summers. Not only that, but it provides them with as many as 200 days of at least partial sunshine each year. It rains now and then, but it’s not too bad. Just 106 days see some amount of precipitation annually. Snow is common, though, and about 33.8 inches of it falls in an average 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 rough and worn streets cost drivers throughout the state $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). Being so close to NYC, New Rochelle residents often deal with the same conditions. Thankfully, New York has a stellar public transportation system.

Moving Violations

Some of the moving violations that will give you a bad driving record and raise your insurance rates: speeding tickets, running red lights, following other vehicles too closely, and drunk driving.

Traffic Tickets

New Rochelle police issued 7,436 traffic citations in 2016. That’s a 4% increase from the 7,411 citations issued in 2015.

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 Arrests

New Rochelle police arrested 140 drivers for suspicion of DWI in 2016.

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 New Rochelle DWI insurance.

Car Accident Statistics

New Rochelle reported 883 car crashes in 2016 resulting in 604 injuries and one fatality.

Vehicle Theft

New Rochelle residents reported 63 motor vehicle thefts in 2016. That’s a rate of .62 per 1,000 residents. The national average is 2.16 per 1,000.

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 many auto insurance discounts available to drivers in New Rochelle, NY depending on your carrier. Get a quote and find out which discounts you qualify for with your current or multiple insurance companies.

  1. 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
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Safe driver. If you have a perfect driving record, you may qualify for the accident free discount.
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  6. Get a new car to qualify for the new car discount. If the car has advanced safety features and anti-theft devices and an alarm system you could qualify for additional insurance discounts

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