Cheap Auto Insurance in Westchester, New York

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The cheapest auto insurance in Westchester County can be found with GEICO—whose quote of $987 per year was 45% less than the countywide average. However, since rates are heavily dependent on your specific driver profile, the only way to ensure that you get the lowest price for car insurance is to compare quotes from a number of insurers. Enter your zip code above to begin comparing insurers.

Westchester, New York Car Insurance Costs

Across Westchester County, we found the average car insurance quote for our profile driver to be $1,784 per year. This rates is 23% more expensive than the New York state average of $1,450 annually. In Westchester County there was a huge difference in car insurance costs, with the most expensive insurer—Mercury—offering rates more than double that of the cheapest insurance company, GEICO.

Comparing the cost of auto insurance in Westchester County, New York

Westchester, New York Auto Insurance Agents

Independent car insurance agents can be useful resources for Westchester County drivers that aren't comfortable buying a policy directly from insurance companies. These agents can answer questions about coverage options and help their customers manage their policies. Below, we've compiled a list of insurance agents and agencies in Westchester County.

Carmine J Guadagno929 Morris Park Avenue, Bronx, NY 10462718-863-1973
Patrick J Cavallo2044 Williamsbridge Rd, Bronx, NY 10461718-823-9100
Z&R Associates Inc2319 Westchester Ave, Bronx, NY 10462718-863-2525
Principal Insurance Agency Ltd1208 Castle Hill Ave, Bronx, NY 10462631-829-6475
Alegre Insurance Agency1857 Westchester Ave, Bronx, NY 10472718-430-9893
J N Mason Agency Inc2481 Crotona Avenue, Bronx, NY 10458718-866-0222
All Family Insurance Brokerage3361c East Tremont Ave, Bronx, NY 10461718-792-1478
B I C Brokerage Corp660 East Fordham Road, Bronx, NY 10458718-220-1111
Dart Brokerage Corp578 E Fordham Road, Bronx, NY 10458718-365-5656
Tri-state Insurance Brokerage LLC610 Crescent Ave, Bronx, NY 10458718-618-7666
Capital Shield Agency Inc3707 E Tremont Ave, Bronx, NY 10465718-829-3200
The Paris Agency Inc3952 Bronxwood Ave, Bronx, NY 10466718-654-7400
NG Insurance Brokerage Inc658-b Barretto Street, Bronx, NY 10474-6305718-292-8082
Aaron Plum Inc255 W 231st St, Bronx, NY 10463718-548-8400
Yankee Brokerage Inc306 West 231st Street, Bronx, NY 10463718-601-2900
VIP Realty Associates Inc700 South Columbus Avenue, Mt Vernon, NY 10550914-665-0070
Ventura Ins Brokerage475 Park Avenue South - 17th F, New York, NY 10016212-935-7373
Decesare Agency Inc914 Mclean Ave, Yonkers, NY 10704-4185914-237-2700
Suydam Agency Inc15-30 College Point Blvd, College Point, NY 11356718-359-3964
P Z Ins Brokerage Inc148-29 Cross Island Parkway, Whitestone, NY 11357718-767-9114
Fernand Beck5657 Post Rd, Riverdale, NY 10471718-549-8579
G&T Barto Agency Ltd337 Kimball Ave, Yonkers, NY 10704-3032914-237-3330
Regal Agency Inc149-16 14th Ave, Whitestone, NY 11357718-746-1777

Car Insurance Requirements in Westchester, New York

If you own a car registered in New York, you are required to maintain the state minimum for car insurance coverage. These policies must include liability coverage for both bodily injury and property damage, personal injury protection and uninsured motorist bodily injury coverage. Below, we've included the limits for each of these coverages:

  • Bodily Injury (BI): $25,000 per person / $50,000 per accident
  • Property Damages (PD): $10,000
  • Personal Injury Protection (PIP): $50,000
  • Uninsured Motorist Bodily Injury (UMBI): $25,000 / $50,000 per accident

Westchester, New York Motor Vehicle Theft and Fatality Statistics

The frequency of car thefts—there are 1.12 per 1,000 residents in New York—has an effect on car insurance rates. Specifically, it influences the way auto insurance companies set rates for comprehensive coverage, which covers your vehicle if it is stolen.

Westchester Auto Theft and Fatal Accident Statistics

New York Thefts per 1,000 People1.12
Westchester County Auto Accidents549
Westchester County Auto Fatalities566

Fatal Crashes in Westchester by Vehicle Make and Model

Make and ModelFatalitiesAccidents
Unknown Make and Model132
Ford E-Series Van/Econoline230
Toyota Camry1627
Honda Accord1521
Honda Civic/CRX, del Sol1220

Deadliest Roads in New York


Fatal Car Crashes in Westchester by Day of Week

Day of WeekFatalitiesAccidents

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.