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Cheapest car insurance in New Rochelle, New York (Feb 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New Rochelle, New York.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in New Rochelle

On average,
auto insurance
in New Rochelle costs about $91 per month for minimum coverage liability insurance, and about $204 per month for full coverage insurance. New Rochelle drivers pay 48% more than the
New York
average.  
Every month, thousands of wise car insurance shoppers in New Rochelle come to
Jerry
to
compare and buy car insurance
most efficiently. Below are some of the cheapest car insurance quotes Jerry found for our New Rochelle customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$135
Franklin, 45
Zip: 10805
Chevrolet Equinox LT
• State Minimum Liability
Safeco
$190
Christina, 33
Zip: 10801
Hyundai Elantra Sport
• 50,000/100,000 Liability
Nationwide
$226
Victoria, 51
Zip: 10801
Honda CR-V Touring
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$376
Tyler, 30
Zip: 10801
Nissan Sentra S
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$151
Alvin, 37
Zip: 10804
Chevrolet Impala
• State Minimum Liability
coverageLast Updated Feb 19, 2024

Best car insurance companies in New Rochelle

There isn’t a specific provider that serves the best
car insurance
to everyone in New Rochelle
To give drivers a clearer look into how the most affordable car insurance companies compare, Jerry conducted the largest insurance survey in the nation. The results: the cheapest insurer varies from person to person.  
Since
car insurance quotes
are based on individual factors like your age and driving record, along with each insurer’s individual calculation formula, this is only to be expected. 
Price isn’t everything either: claim handling and customer service are also important qualities to review when choosing an insurer.
State Farm
,
GEICO
,
Progressive
,
Allstate
,
USAA
, and
Liberty Mutual
tend to be popular insurers among New Rochelle policyholders. But let’s take a look at how different New Rochelle customers reviewed them on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
3.7
4.3
4.2
State Farm
4.1
3.7
4.4
4.1
Geico
3.8
3.4
3.9
3.9
Farmers
3.5
2
N/A
2
Liberty Mutual
3.3
N/A
N/A
3.3
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in New Rochelle

Drivers in New Rochelle are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.

Cheap minimum liability insurance quotes in New Rochelle

As per New York car insurance laws, New Rochelle drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes: 
We’ve compiled some examples of New Rochelle policyholders that recently used Jerry to get the state’s minimum liability coverage.
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Franklin (45 years old)
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10805)
$135
per month
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Jesse (38 years old)
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10801)
carHyundai Santa FE SE
$147
per month
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Alexander (27 years old)
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10801)
$152
per month
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Lula (31 years old)
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10804)
$85
per month
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Alvin (37 years old)
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10804)
$151
per month

Do you need more than minimum coverage in New Rochelle?

New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for New Rochelle drivers.
Additional protection like collision coverage could save you from costs associated with unexpected damages to your car. Increasing liability limits can also help prevent you from paying out of pocket—especially if you’re ever at fault in an accident resulting in a totaled vehicle (or more than one). 
The risk of winter storms, heavy rain, and high winds in New Rochelle causing non-collision damage to your car may also make a strong case for adding comprehensive coverage. This type of protection can also keep you financially secure against vandalism and vehicle theft.
The bottom line: For better financial protection in New Rochelle, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.

Cheap full coverage car insurance quotes in New Rochelle

New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
Full coverage includes
comprehensive
and
collision coverage
:
  • Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
  • Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Typically, leased or financed vehicles require collision and comprehensive coverage.
Browse the table below to see how Jerry’s agents recently helped New Rochelle customers obtain affordable full coverage policies.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$405
Marion, 45
Zip: 10801
Nissan Rogue SV
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$148
Ina, 30
Zip: 10805
BMW M3
• State Minimum Liability
• Comp / Collision
Nationwide
$244
Bertie, 34
Zip: 10805
Honda Civic LX-S
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$196
Edwin, 43
Zip: 10805
Jeep Compass Limited
• State Minimum Liability
• Comp / Collision
Plymouth Rock
$298
Susan, 31
Zip: 10804
Lexus IS 300
coverageLast Updated Feb 17, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in New Rochelle

After analyzing scores of insurance providers in New Rochelle, we have discovered that the average price for minimum liability coverage amounts to be $91 per month or $1,089 per year. Additionally, residents of New Rochelle can expect to pay an average of $204 per month or $2,447 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in New Rochelle by zip code

The cost of car insurance in New Rochelle can greatly differ depending on your specific zip code. Each individual zip code within New Rochelle has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
10801
$199
$201
10804
$85
$171
10805
$61
$197

Car insurance quotes in New Rochelle by rating factors 

Insurance companies in New Rochelle use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in New Rochelle?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in New Rochelle:

Cheap car insurance quotes in New Rochelle after driving violations

Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include: 

Cheapest car insurance in New Rochelle after DUI

A
DUI violation
will certainly skyrocket your car insurance rate in New Rochelle. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.
While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
Jerry has successfully assisted countless drivers in acquiring cost-effective auto insurance rates following a DUI incident.
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Stephen (32 years old)
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10802)
$72
per month
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Cora (44 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNew Rochelle, NY
(Zip Code: 10805)
$56
per month

Cheapest car insurance in New Rochelle after an at-fault accident

Car accidents
on your claim history can significantly impact your car insurance rates in New Rochelle. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. 
Even though New York is a
no-fault state
, New Rochelle drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Having an at-fault accident on your record can lead to as much as 15% higher rates. 
Fortunately, Jerry has helped many New Rochelle drivers find affordable rates even with at-fault accidents in the recent past.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Plymouth Rock
$214
Bill, 30
Zip: 10801
Nissan Altima SR
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$405
Jeremy, 45
Zip: 10801
Nissan Rogue SV
• State Minimum Liability
• Comp / Collision
Not At Fault
Travelers
$337
Emily, 27
Zip: 10801
Honda Civic EX
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$232
Justin, 50
Zip: 10805
Audi A6 Premium Plus
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Feb 20, 2024

Cheapest car insurance in New Rochelle after other driving violations

Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in New Rochelle.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Plymouth Rock
$453
Jean, 32
Zip: 10801
Honda Civic SE
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Safeco
$277
Carlos, 27
Zip: 10801
Honda Civic EX
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Allstate
$299
Devin, 27
Zip: 10801
Honda Civic EX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Feb 19, 2024

Cheap car insurance quotes in New Rochelle by age

Young people and seniors generally face the highest insurance rates. 
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

Cheapest car insurance in New Rochelle for young drivers

Car insurance can be high for everyone in New Rochelle, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.
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Lulu (23 years old)
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10801)
$86
per month
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Sean (19 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationNew Rochelle, NY
(Zip Code: 10805)
$49
per month

Cheapest car insurance in New Rochelle for senior drivers

Drivers can expect higher premiums once they reach 70 to 75 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.
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Ola (75 years old)
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10805)
$63
per month
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Scott (73 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNew Rochelle, NY
(Zip Code: 10805)
carHyundai Santa FE SE
$212
per month

Cheap car insurance quotes in New Rochelle based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
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Nell (45 years old)
Currently Insured
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10805)
$135
per month
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Martin (50 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationNew Rochelle, NY
(Zip Code: 10805)
carAudi A6 Premium Plus
$179
per month
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Timothy (30 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNew Rochelle, NY
(Zip Code: 10805)
$148
per month
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Daisy (51 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNew Rochelle, NY
(Zip Code: 10801)
carHonda CR-V Touring
$226
per month
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Belle (54 years old)
Currently Insured
coverageCoverage
State Minimum
locationNew Rochelle, NY
(Zip Code: 10801)
$264
per month

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Travelers
$179
Martin, 50
Zip: 10805
Audi A6 Premium Plus
• 100,000/300,000 Liability
660 - 750
Safeco
$148
Timothy, 30
Zip: 10805
BMW M3
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Safeco
$190
Luella, 33
Zip: 10801
Hyundai Elantra Sport
• 50,000/100,000 Liability
< 550
Encompass
$223
Mario, 39
Zip: 10801
Nissan Altima 2.5
• 100,000/300,000 Liability
coverageLast Updated Feb 22, 2024

How to lower car insurance costs in New Rochelle

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. If you remain accident- and violation-free for a set number of years (typically three to five) you may qualify for a discounted rate from your insurer.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

People living in New Rochelle pay on average $91 per month – or $1,089 per year – on state-minimum liability coverage. Full coverage in New Rochelle costs on average $204 per month or $2,447 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Based on thousands of New Rochelle drivers Jerry has worked with, car insurance in New Rochelle costs an average of $74 per month for state-minimum coverage and $166 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
The state-minimum car insurance in New Rochelle, New York is $25,000 in bodily injury liability per person, $50,000 per accident, and $50,000 for damage to property. These coverages are commonly referred to as 25/50/50 coverage.
While there is no 'best' provider for all drivers, most Syracuse motorists can find cheap full and minimum coverage with
Kemper
, while other insurers, such as Met360 and
State Auto
provide lower than average premiums.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.