White Plains Car Insurance

Your Complete Guide to White Plains, NY Car Insurance

Find the right car insurance policy for you.

From fender benders on Bloomingdale Road to multi-car collisions on the Bronx River Parkway, accidents can happen anytime, anywhere and to anyone —even to the most careful and experienced drivers. Fortunately, a dependable car insurance policy can shield White Plains drivers from the expensive costs associated with vehicule collisions. 

An independent agent with an office in or near White Plains can help you find the best and most affordable auto insurance policy to meet your coverage needs. Find an insurance agent near you to get started.

New York Minimum Auto Insurance Requirements

In New York, resident vehicle owners must have car insurance that meets or exceeds the following requirements:

  • 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.

Although these requirements may seem high, a basic minimum-coverage policy may not provide you with enough coverage if you cause a serious accident that involves significant injuries. If the resultant costs exceed your coverage limits, you will be expected to make up the difference out of pocket.

That is why many White Plains residents choose to purchase auto liability coverage in amounts that are significantly higher than the state requires. If you want even more liability coverage than your car insurance policy will allow, you can also purchase umbrella insurance.  Your local insurance agent can help you go over the costs for different levels of liability coverage.

How Much Does Car Insurance Cost in White Plains, NY?

New York is among the least expensive states for auto insurance. However, on average, residents of White Plain pay more than the national average. This makes shopping for the best rate particularly important.

  • National average annual car insurance cost: $1,311
  • New York average annual car insurance cost: $1,013
  • White Plains Average Cost per Year: $1,407

You can expect that every insurance company you contact will provide you with a different quote for coverage. This is because each has its own method for determining risk and calculating rates. Your costs may be influenced by a variety of factors such as:

  • The make, model, trim, and year of the vehicle(s) you are insuring
  • Whether you own or rent your home
  • Your age, gender, occupation, driving record, and claims history
  • Information about other drivers in your household
  • The amount of your deductible, and how much liability insurance you are purchasing
  • The auto theft and accident rates in the vicinity of your home

If you are bundling your auto insurance with other policies like homeowners insurance, renters insurance, or life insurance, you may qualify for discounts for all of your policies. Independent insurance agents in White Plains can ensure that you get any discounts you are entitled to and that you find reliable coverage at a competitive price.

Number of Uninsured Motorists in the State

Driving without insurance in New York is illegal and comes with high fines, fees, and penalties; but nearly one out of every 20 motorists you are sharing the roads with in this state is uninsured. While that is a lot, this state has one of the lowest rates of uninsured drivers in the country. 

  • How many US drivers are uninsured? 12.6%.
  • How many New York drivers are uninsured? 5.3%.

If you are in an accident that is caused by an uninsured driver, that person is responsible for paying for your damages and injuries out of pocket. Collecting the money owed to you by such an individual can be extremely time-consuming and difficult. That is why uninsured motorist insurance was created. 

Uninsured motorist insurance is optional in many states, but in New York, it is required. Therefore, you can rest assured that if you are in a collision with an uninsured driver, your insurance company will provide you with the coverage you need right away, and will absorb the costs if they are unable to collect from the at-fault driver.

Auto Theft Rate in White Plains

The auto theft rate in New York is lower than the national rate, and in White Plains, the risk is extremely low. There are only about 25 cars stolen in this city in a typical year.

  • National auto theft rate per 1,000 vehicles: 2.94
  • New York auto theft rate per 1,000 vehicles: 1.72
  • White Plains number of auto thefts per 1,000 vehicles: 0.43

Comprehensive insurance is often required by lenders until your vehicle is paid in full, and afterward it is optional. This coverage is necessary in order to be compensated for an auto theft. Although the risk is very low in White Plains, that does not mean you should forgo this coverage once your car loan is paid off.  

Comprehensive insurance covers you against more than just car theft. It also covers loss or damage caused by several other non-collision hazards such as floods, wind damage, falling objects, structure fires, and vandalism. This coverage is particularly important if you are insuring a high-value vehicle.

Why Work with an Independent Insurance Agent?

Independent agents can provide a lot of useful information when you are searching for the best auto insurance coverage. These experienced professionals can obtain customized quotes from a number of insurance companies so that you can choose the policy that offers you the most value for your money.

Contact an independent insurance agent with an office in or near White Plains to learn more.

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http://www.naic.org/prod_serv/AUT-PB-14.pdf
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