Cheap Auto Insurance in Westchester, New York

Cheap Auto Insurance in Westchester, New York

Compare Car Insurance Rates in Westchester County

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State Farm offers the cheapest minimum coverage car insurance in Westchester County, New York, with annual rates 33% below average, according to our analysis.

The county of almost a million people, which is predominantly suburbs and exurbs of New York City, is not a cheap one for auto insurance. The average rate for minimum coverage is $1,587 and for full coverage is $3,215.

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Insurers will give drivers different rates based on a range of factors, including their driving history, where they live and what kind of car they drive. The best way to find the best price for you is to get quotes from several insurers.


Cheapest auto insurance in Westchester County: State Farm

The least costly option for minimum coverage car insurance for most drivers in Westchester County is State Farm, which offered a sample driver an annual rate of $1,070. That's two-thirds the average price in the county. Geico also offers below-average rates in the county.

Geico's annual rate is $1,446, a bit below the average of $1,587. The lowest overall rate we found is at USAA, at $808 per year. USAA has the cheapest rates across all of the driver categories we analyzed. However, USAA is only available to members of the military, veterans and certain members of military families.

Cheapest car insurance companies in Westchester County, New York.

Compare Car Insurance Rates in Westchester

Currently insured?
Rank
Company
Annual rate
1State Farm$1,070
2Geico$1,446
3Progressive$1,654
4New York Central Mutual$1,803
5Travelers$2,121
6Allstate$2,207
N/A*USAA$808

*USAA is only available to current and former military members and their families.

Cheapest full coverage car insurance in Westchester County: Geico

For drivers looking for a full coverage auto insurance policy, Geico has Westchester's best rates. Its price of $2,735 per year is 16% lower than the county average of $3,215 and $78 cheaper than the next-best option, State Farm.

Rank
Company
Annual rate
1Geico$2,735
2State Farm$2,813
3Progressive$3,025
4New York Central Mutual$3,748
5Allstate$4,186
6Travelers$4,257
N/A*USAA$1,742

*USAA is only available to current and former military members and their families.

Beyond basic coverages required by law, full coverage also includes comprehensive and collision coverages, which pay for different kinds of damage to your vehicle.

  • Comprehensive coverage: Covers damage to your car from things besides a crash, such as fire, theft or vandalism.
  • Collision coverage: Covers damage that is the result of a crash with another car or another object such as a building or tree. Damage is covered regardless of who is at fault.
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Cheap car insurance for drivers with prior incidents

Your driving history is a crucial part of how insurers set your rates. Previous incidents, such as a DUI, accident or speeding ticket, are often indicators of risky behavior and potential future claims. For that reason, those incidents will raise your rates, but we've broken down the cheapest options for Westchester drivers who have:

Cheapest car insurance in Westchester County after an accident: State Farm

Following an at-fault accident, insurance rates in Westchester County increase 32% to an average of $4,248. State Farm is the cheapest option, beating out Geico by charging only $3,398 per year for a full coverage policy.

Geico's rate is $4,122, and New York Central Mutual's is $4,209, just below the county average.

Rank
Company
Annual rate
1State Farm$3,398
2Geico$4,122
3New York Central Mutual$4,209
4Progressive$4,853
5Travelers$5,505
6Allstate$5,753
N/A*USAA$1,895

*USAA is only available to current and former military members and their families.

Cheapest car insurance for people with a speeding ticket: Geico

Geico delivers the best price for insurance after a speeding ticket in Westchester, at $2,877 per year on average for full coverage. That's $228 lower than the price from State Farm.

State Farm's average annual rate is $3,105, and Progressive offers a better-than-average price of $3,136.

A speeding ticket indicates to insurers you're riskier to insure, so your rates are likely to go up if you are caught speeding. We found a speeding ticket increases rates more than 10% in Westchester County.

Rank
Company
Annual rate
1Geico$2,877
2State Farm$3,105
3Progressive$3,136
4New York Central Mutual$3,748
5Travelers$4,903
6Allstate$5,207
N/A*USAA$1,895

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a DUI: State Farm

Driving while under the influence is a serious infraction that will drive up your insurance rates in a big way. The average rate we found in Westchester County is $4,587 for a full coverage policy after a DUI.

State Farm offers the county's best rate after a DUI, at $3,105 per year. That narrowly beats out Progressive, which charges $3,179. Each of those is at least 30% lower than average.

Those two and USAA are the only companies surveyed that offer below-average rates in the county.

Rank
Company
Annual rate
1State Farm$3,105
2Progressive$3,179
3New York Central Mutual$5,121
4Travelers$5,403
5Allstate$5,988
6Geico$6,809
N/A*USAA$2,504

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with poor credit: Geico

The top option for drivers with poor credit is Geico, which charges an average of $2,877. That rate far outpaces the second-cheapest option, State Farm.

State Farm, at $4,134 per year, and Allstate, at $4,881, each offer cheaper-than-average rates. Bad credit in Westchester County raises rates an average of 103%.

1
Geico
$2,877
2State Farm$4,134
3Allstate$4,881
4New York Central Mutual$5,740
5Travelers$6,321
6Progressive$10,080
N/A*USAA$2,831

*USAA is only available to current and former military members and their families.


Cheapest car insurance for young drivers: State Farm

The best rates for young drivers in Westchester County come from State Farm, which delivers rates 3% lower than Geico for full coverage.

Insurers generally charge young drivers considerably more because they are inexperienced behind the wheel and tend to take more risks. Overall in Westchester County, young drivers pay close to three times as much.

Rank
Company
Annual rate
1State Farm$8,759
2Geico$8,986
3New York Central Mutual$9,055
4Progressive$9,215
5Travelers$9,717
6Allstate$12,009
N/A*USAA$6,801

*USAA is only available to current and former military members and their families.

One of the best options for young drivers looking to save money is to join a parent's insurance plan. That will raise the price of the original policy but save a considerable amount of money overall. Young drivers can also look for discounts, such as a good student discount.


Best auto insurance companies in New York

The best insurance company will have not only affordable prices but also high-quality customer service. The insurers with the most satisfied customers in New York, according to a survey conducted by ValuePenguin, are:

USAA is only available to members of the military and certain family members.

Overall rank
Company
Claim satisfaction rating
Customer service rating
1USAA78%62%
2State Farm73%46%
3Allstate72%47%
4Progressive74%34%
5Geico64%42%
Show All Rows

The overall rank takes both claim satisfaction and customer service ratings into account. We explain these ratings in the Methodology section.

Average car insurance cost in Westchester County, by neighborhood

Westchester Country is home to more than 900,000 people and sits just north of New York City. It encompasses numerous towns and cities across 76 ZIP codes, and the price of full coverage auto insurance can vary by $1,469.

The least expensive ZIP code for car insurance in Westchester is 10547, an area around Mohegan Lake that includes the Sylvan Glen Nature Preserve. The most expensive ZIP code, at $4,442, is 10550, which includes the heart of Mount Vernon.

ZIP code
Full coverage annual premium
10501$3,040
10502$3,207
10503$3,186
10504$3,057
10505$3,032
Show All Rows

The county's cheapest city for insurance is Lake Mohegan at an average rate of $2,972. The most expensive is Mount Vernon at $4,286.


Methodology

We collected data from seven of the largest insurers in New York. Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. The rates are for a full coverage policy for a driver with average credit unless otherwise stated. Coverage limits were:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

This ValuePenguin analysis used insurance rate data from Quadrant Information Services. Rates were sourced from public insurer filings. They should be used for comparative purposes only, as your quotes will likely be different.

ValuePenguin commissioned a survey and asked current policyholders across major car insurers about their satisfaction with claims and customer service. In our table, the Claim Satisfaction Rating represents the percentage of respondents who were extremely satisfied with their most recent claim experience. The Customer Service Rating represents the percentage of respondents who rated the customer service of their insurance company "excellent."

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.