Best Auto Insurance Rates in White Plains, New York

On average your neighbors pay $103 a month.

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Friday, November 9 2018 By Shantae Young

White Plains, New York, is conveniently located just 30 miles north of Manhattan. That means residents can easily travel back and forth between the city they call home and the Big Apple.

That’s not to say traffic goes only one way. Many New Yorkers travel into White Plains during the week, too. Workers, shoppers, and tourists all fill the bustling community with liveliness.

Both sort of people may struggle to find affordable car insurance if they drive rather than use public transportation. Not to worry—QuoteWizard can help with that.

Average White Plains Car Insurance Rates

How much is car insurance in White Plains, NY? Drivers shouldn't be surprised to hear car insurance in White Plains costs more than it does elsewhere. Average insurance rates in New York are a bit 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.

You may pay less, though, as prices vary by driving history 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 connects White Plains drivers to national carriers and local independent agents so they can compare quotes. In fact, you can save up to 40% on your premium.

Last year, many residents used QuoteWizard to compare car insurance quotes in White Plains, NY from multiple companies to find the cheapest rates.

Best Car Insurance Companies White Plains, NY

This is our list of the most common car insurance companies reported by QuoteWizard users living in White Plains, New York last year.

  1. GEICO
  2. Allstate
  3. State Farm
  4. Progressive
  5. Liberty Mutual
  6. Farmers
  7. Nationwide
  8. AAA
  9. USAA
  10. Esurance
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Other popular White Plains, New York car insurance companies: Hartford, Travelers, Amica, AIG, MetLife, Safeco, Shelter, Infinity, Erie, and Unitrin.

Top 10 Vehicles in White Plains

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

  1. Honda Accord LX/EX
  2. Honda CR-V EX/LX
  3. Honda Civic EX/LX
  4. Lexus RX 350
  5. Toyota Corolla/S/LE
  6. Toyota Camry/LE/XLE/SE
  7. Nissan Altima SE
  8. Nissan Altima 2.5 S
  9. Ford Expedition Eddie Bauer
  10. Ford Explorer Sport
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in White Plains, NY

White Plains, New York has a minimum coverage requirement known as the 25/50/10 rule. That 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 insurance company 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.

The policy must be in the name of the person who registered the vehicle. In addition, the coverage must remain in effect as long as the registration is valid, even if the vehicle isn’t used.

Driving Conditions

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

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Weather

People who live in White Plains, NY experience a wide variety of weather. Summers are hot and humid, while winters tend to be snowy. Residents see a lot of sun, too. The city sees around 200 days of either sunny or partially sunny skies each year. Rain and snow, which have the biggest impact on driving conditions, is common as well. Annually, White Plains has about 106 days with measureable precipitation. It also gets around 34 inches of snowfall in an average year.

Road Conditions

According to a recent study by TRIP, 38 percent of the major roads in and around the state of New York are in poor condition. Another 42 percent are in mediocre or fair condition. These poorly maintained, pothole-filled streets cost drivers throughout the state a total of $6.3 billion annually.

If you would like to report a pothole in White Plains, you can contact its public works department. Alternatively, you can use an app called SeeClickFix.

Traffic Congestion

According to TomTom's annual traffic index report, New York City has the third-worst traffic congestion in the United States. The average commuter spends an additional 33 minutes per hour stuck in traffic during peak commute times and 128 hours a year for commutes of 30 minutes. Because White Plains is only 30 miles from New York City, commuters are used to dealing with traffic delays. Thankfully, the state has a stellar public transportation system.

Moving Violations

Moving violations such as speeding tickets, red light infractions, accidents, and drunk driving can have a dramatic impact on your insurance rates when you're required to purchase high-risk auto insurance.

Traffic Tickets

The State of New York DMV website allows you to pay non-criminal traffic citations and tells you how to request a hearing to contest a ticket. It also provides helpful traffic court information.

DWI Crash Statistics 

Westchester County reported 356 crashes that involved alcohol in 2014. This is a one percent decrease from the 359 crashes reported in 2013.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote, and we'll connect you with local agents from top companies that specialize in White Plains DWI insurance.

Car Accident Statistics

White Plains reported 1,230 car crashes in 2016 resulting in 537 injuries.

Traffic Fatalities

White Plains experienced two auto crash fatalities in 2016. This works out to a fatality rate of 3.43 per 100,000 residents. All traffic deaths are a tragic loss, and considering the estimated population of 58,241 White Plains is a safe city in terms of traffic fatalities per capita.

Vehicle Theft

White Plains recorded 28 motor vehicle thefts in 2016. That’s a rate of .48 thefts per 1,000 residents. This rate is well below the national average of 2.20 per 1,000 people.

Car Insurance Discounts in White Plains

Discounts are one of the best ways to lower your rates. Below are some auto insurance discounts avaiable to drivers in White Plains, NY.

  1. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  2. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  3. Remove full comprehensive coverage from your policy
  4. Maintain at least a B grade point average in school to qualify for the good student discount
  5. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  6. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  7. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies under one insurance company can save you as much as 15% on your premium
  8. Are you married or getting married soon? Make sure you ask about the married discount
  9. Drive less. Living close to work can lower your rates if you qualify for the low mileage discount
  10. Shop around and compare low-cost White Plains car insurance quotes to discover all the discounts you've been missing out on

Sources:

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