Best Car Insurance in New Rochelle 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in New Rochelle.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
October 6, 2021Honda Civic EX1080430Plymouth Rock$210/mo.$80/mo.
January 3, 2021Volvo S60 T6 Momentum1080425Travelers$150/mo.$102/mo.
September 30, 2021Honda Civic LX1080128Safeco$200/mo.$113/mo.
March 15, 2021Toyota Camry LE1080128Allstate$300/mo.$160/mo.
February 22, 2021Honda Pilot EX1080547Nationwide$250/mo.$166/mo.
Here’s more information about what impacts the insurance rates in your New Rochelle.

How much does car insurance cost in New Rochelle?

Car insurance in New Rochelle, New York costs single-car drivers an average of $4,252 annually, or about $354 per month. Compared to the state annual average of $4,188, auto insurance in New Rochelle is $65 higher lower.
New Rochelle is a large city northeast of Manhattan, known for its expanding business area and high quality of living. Originally a French settlement in the 18th century, the city has expanded into a population of 77,000, making it the seventh-largest city in New York State.
And it’s a pleasant place to drive, too. Aside from a relatively crowded downtown, New Rochelle is relatively suburban, divided into distinct, often quiet neighborhoods. It’s why car insurance is relatively cheap.
So, you might not have too much trouble getting cheap car insurance in New Rochelle. To find the best deal, use insurance comparison and licensed broker app Jerry, your best bet for finding great insurance rates without any of the usual hassles.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
Here’s a rundown of what you need to know about car insurance in New Rochelle.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
New Rochelle$4,432$3,083$2,811$1,781--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
New RochelleNational Average
All Coverage Before Jerry
$4,432$3,223
All Coverage After Jerry
$3,083$2,143
Minimum Coverage Before Jerry
$2,811$3,086
Minimum Coverage After Jerry
$1,781$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in New Rochelle

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Car insurance costs in New Rochelle tend to be reasonably low, especially compared to those in nearby Manhattan. That’s good for your wallet in general, but you should still be on the hunt for the best deal out there.
There are loads of carriers to choose from, so finding the one that offers everything you need at the right price point shouldn’t be too hard.
Some of the most popular picks include GEICO insurance in New Rochelle. State Farm and Progressive are also good choices to look into. Be aware, though, that the right provider for you will change based on your driver profile.
Here’s what drivers pay with some of the most popular insurance providers in New Rochelle before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$5,010$1,611Compare Prices
Progressive$3,924$1,430Compare Prices
Travelers$2,920$1,369Compare Prices
Nationwide$3,000$984Compare Prices
Safeco$2,400$818Compare Prices
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What kind of car insurance you need in New Rochelle

In New Rochelle, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In New York State, drivers have to prove financial responsibility before they’re allowed to hit the road. The best way to do so is to buy a car insurance policy with at least the following liability insurance:
New York also requires uninsured and underinsured motorist coverage—protecting you if another vehicle without adequate coverage is at fault in an accident. You should have the following protection:
  • $25,000 uninsured/underinsured motorist bodily liability per person
  • $50,000 uninsured/underinsured motorist bodily liability per accident
Remember, if you’re involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need it to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Sure, you need to hit the minimum requirements to legally stay on the road in New York State. However, buying a little more coverage is always a smart move. Although New Rochelle is generally a safe place to drive, there are always other factors to keep in mind.
Here are some additional coverages that would serve drivers in New Rochelle well:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceThe notoriously busy I-95 cuts through New Rochelle, and it can get quite busy around rush hour.
Icy roadsComprehensive insuranceNew York State winter can get seriously snowy. If you happen to veer off the road due to severe weather or collide with an animal, you’ll need comprehensive insurance to take care of any damage.
Country roadsRoadside assistanceIf you find yourself a little off the beaten path in New York State, this coverage will provide towing, tire changes, locksmith services, battery jumpstarts, and more.

What determines your car insurance cost in New Rochelle

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in New Rochelle, you could be paying as much as $435 more per month than an adult driver. These are average rates for Jerry customers in New Rochelle broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$9,468$2,952
25-34$4,337$1,444
35-44$4,153$774
45-54$3,000$984
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in New Rochelle with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$4,344$1,405
Failure to Obey Traffic Sign$5,880$444
Illegal Turn$5,880$444
Speeding under 15$5,880$444
Other$5,880$444
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Where in New Rochelle you live

It may seem like insurance rates in New Rochelle should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within New Rochelle, residents of 10805 will have the most expensive car insurance rates, while people who live in 10804 and 10801 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across New Rochelle:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 6, 202110804Honda Civic EXNY30Plymouth Rock$210/mo.$80/mo.
January 3, 202110804Volvo S60 T6 MomentumNY25Travelers$150/mo.$102/mo.
September 30, 202110801Honda Civic LXNY28Safeco$200/mo.$113/mo.
February 22, 202110805Honda Pilot EXNY47Nationwide$250/mo.$166/mo.
September 23, 202110801Toyota Corolla LNY35Allstate$315/mo.$185/mo.
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Why is car insurance in New Rochelle so expensive?

A variety of considerations determine baseline car insurance rates in New Rochelle. Insurance companies often consider the following:
Car insurance in New Rochelle is relatively cheap. But it could always be more affordable. Here are some reasons why prices can creep up.

Inclement weather

New York State is notorious for severe weather. Expect lots of rain in the fall, and the occasional heavy snow during the winter months. Due to that climate, insurance companies might charge you a little more. That’s especially true if you have a coupe, or any other vehicle not particularly well equipped for poor weather.

High speeding rate

New Rochelle is a relatively safe place to live, but there is an admittedly high rate of speeding tickets issued. In anticipation of those potentially dangerous driving conditions, it’s possible that your insurance prices can be a little higher.

Amount of drivers

The streets of New Rochelle can get a little crowded, especially downtown. With so many drivers around, the likelihood of a collision is, unfortunately, a little higher. Insurance companies might ask for higher fees for that possibility.

How can you save money on car insurance in New Rochelle?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

If you want to save money on your car insurance in New Rochelle, discounts are a great way to do so. All providers offer discounts, and you can combine them to make a dent in your premiums.
Here are some common discounts available with insurance carriers in New Rochelle:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider (like home and auto) could get you a discounted rate on each one.
Defensive drivingCompleting a state-verified careful driver course could help you save a few dollars on your policy.
Good studentStudents between the age of 16-25 can qualify for discounts if they maintain at least a 3.0 GPA. That’s a helpful boost for a group usually regarded as the highest risk to get behind a wheel.
UsageSome companies offer a tracking program that monitors your driving habits and rewards you with discounts for safe behaviors.
Accident-freeYou could save a bit of money on your deductible for every year you go without filing a claim or getting into an accident.
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