Mount Vernon Car Insurance

Your Complete Guide to Mount Vernon, NY Car Insurance

Find the right car insurance policy for you.

Even the most experienced drivers can sometimes find themselves in vehicle accidents. That is why vehicle owners in Mount Vernon are required by state law to have auto insurance. From fender benders on Gramatan Avenue to multi-car collisions on the Cross County Parkway, a reliable auto insurance policy can shield you from a large financial loss in the wake of a collision.

Finding the best car insurance is easy when you work with an independent insurance agent. One of the many agents in Mount Vernon can provide you with a variety of customized auto insurance quotes so you can be sure you are purchasing a competitively priced policy. Contact an independent insurance agent near you to get started.

Minimum Car Insurance Requirements in New York State

As a resident of New York, your car insurance policy must include, at a minimum, the following:

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Required
  • Uninsured motorist coverage: Required
  • Minimum liability limits: 25/50/10; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $10,000 coverage for property damage.

A minimum-coverage policy may be your least expensive option; however, it is not always the best choice. While New York’s requirements are high enough cover your liability for most minor collisions, a major accident — especially one that results in several serious injuries —can easily exceed what a minimum coverage policy will cover. In that case, you would be responsible for making up the difference out of pocket. 

That is why many Mount Vernon vehicle owners choose to purchase car insurance with much higher liability insurance limits than New York requires. Some residents also opt to purchase umbrella insurance in order to get even more liability coverage. Your insurance agent can help you find the liability coverage you need at a price you can afford.

How Much Does Car Insurance Cost in Mount Vernon?

Car insurance rates in the state of New York tend to be lower than the national average, but in Mount Vernon, the average cost for coverage is significantly higher. This makes shopping around for the best rate particularly important.

  • National average annual car insurance cost: $1,311
  • New York average annual car insurance cost: $1,013
  • Mount Vernon average annual car insurance cost: $1,731

Of course, your quoted rate may not be as high as the city average. Car insurance costs can vary significantly from one driver to the next because they are calculated individually according to several different considerations. Examples of things that can influence your cost include: 

  • The year, make, model, and trim of your vehicles
  • Your age, gender, occupation, driving history, and credit score
  • Information about other drivers in your household unless specifically excluded from your coverage
  • The estimated number of miles you drive your car each year
  • The accident and auto theft rates in the vicinity of your home
  • Whether you are bundling your coverage with another policy like home insurance or renters insurance

If you have been driving for several years and have a clean driving record, your coverage will cost less than if you are a new driver insuring a first car. An independent insurance agent in Mount Vernon can help you easily obtain and review customized car insurance quotes from a selection of highly-rated insurers.

Number of Uninsured Motorists in Mount Vernon, NY

As a resident of New York State, if you are caught driving without insurance, you must surrender your license plates immediately. You may also have your registration and driver’s license suspended indefinitely. If you have a lapse in coverage that lasts more than 91 days, your license will be suspended and you will need to pay a fee of $100. 

  • How many US drivers are uninsured? 13%.
  • How many New York drivers are uninsured? 6.1%.

This state has one of the lowest uninsured driver rates in the country. Still, about one in twenty motorists you are sharing the roads with is driving an uninsured vehicle.  If you are in a collision caused by an uninsured driver, that person is legally responsible for covering your damage. Uninsured motorist insurance ensures that you will get the compensation you deserve quickly and easily. 

Uninsured motorist insurance is optional in many states, but in New York, it is required. This insurance covers your property damage and injuries if you are in a collision with an uninsured, underinsured, or hit-and-run driver. Your insurance company will then attempt to collect what is owed from the offending driver and will absorb the costs if they are unsuccessful in this pursuit.

Auto Thefts in the City of Mount Vernon

The auto theft rate in New York is significantly lower than the national average; in Mount Vernon, the rate is consistent with the state average. This is not to say that the risk does not exist. More than 100 cars are reported stolen in this city in a typical year.

  • National auto theft rate per 1,000 vehicles: 2.28
  • New York auto theft rate per 1,000 vehicles: 0.67
  • Mount Vernon auto theft rate per 1,000 vehicles: 1.73

You cannot get compensation for a stolen car unless your auto insurance policy includes comprehensive, or “other than collision,” insurance. This insurance is optional, but most lenders will require you to have it until your vehicle is paid in full. 

Comprehensive insurance can be beneficial, particularly if your car has a high resale value. It covers more than just theft. It can also reimburse you for loss and damage caused by other non-collision hazards such as falling objects, wind damage, floods, structure fires, and vandalism.

Why Work with an Independent Insurance Agent?

As a vehicle owner in Mount Vernon, you can turn to a local independent agent for assistance when you are searching for the best auto insurance policy to meet your coverage and budgetary needs. These agents are free to work with a variety of insurance providers so they can help you find the most reliable and affordable policy.

Find an independent insurance agent in or near Mount Vernon to learn more. You can start comparing customized car insurance quotes in no time.

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