Mamaroneck Auto Insurance
Last Updated on January 29, 2026
Looking for auto insurance in Mamaroneck, New York? Whether you’re commuting, running local errands, or dealing with winter weather and busy suburban traffic patterns, the right policy helps protect your budget and your vehicle.
This page breaks down New York’s coverage requirements, what drivers often pay in Mamaroneck, how to choose practical protection, and where to find reputable insurance companies and local agents.
Mamaroneck Auto Insurance at a Glance
- Start With The State Minimums: New York requires liability, no-fault (PIP), and uninsured motorist coverage—then you can build up protection based on your needs.
- Local Prices Vary A Lot: Your garaging address, vehicle, driving record, and coverage choices can move premiums significantly even within the same town.
- “Full Coverage” Usually Means More Than Minimums: If you finance or lease, comp and collision are typically required—and they can be worth it for many newer vehicles.
- Agents Can Help With Fit And Discounts: A good local agent can sanity-check limits, deductibles, and bundling options without overcomplicating the policy.
New York Auto Insurance Requirements
New York sets statewide minimum auto insurance requirements. Exact limits and rules can change, so it’s smart to confirm before you buy or renew.
| Coverage | NY Minimum Required Limit (Typical Passenger Vehicles) |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $10,000 per accident |
| No-Fault (PIP) | $50,000 per person (per accident) |
| Uninsured Motorist | $25,000 per person / $50,000 per accident |
| Death Liability | $50,000 per person / $100,000 per accident |
Source: NY DMV — Insurance Requirements.
What These Coverages Generally Do
Bodily Injury Liability helps pay for injuries you cause to others in a crash. Many drivers choose higher limits because medical costs and lawsuit exposure can add up quickly.
Property Damage Liability helps pay for damage you cause to someone else’s vehicle or property (like a fence, pole, or building). Higher limits can help if you’re in a multi-car crash or hit a newer vehicle.
No-Fault (PIP) helps cover medical expenses and certain related costs for you and your passengers, regardless of who caused the crash, up to your policy limit.
Uninsured Motorist helps protect you if you’re hit by a driver who has no insurance (or in some cases, a hit-and-run). In New York, many drivers also consider adding extra underinsured motorist protection (often called “SUM”) for stronger financial backup.
Death Liability is part of New York’s required liability structure and applies to fatality claims arising from an at-fault accident.
How Much Does Car Insurance Cost in Mamaroneck?
As of January 2026, published estimates for Mamaroneck drivers show meaningful spread between minimum coverage and full coverage, with your exact quote depending on your profile (ZIP/garaging address, vehicle, record, credit-based insurance score where permitted, and deductibles).
| Policy Type | Estimated Monthly | Estimated 6-Month Total | Estimated Annual Total |
|---|---|---|---|
| Minimum (Liability-Only) | ~$52/mo | ~$311 | ~$622/yr |
| Full Coverage (Comp + Collision) | ~$110–$112/mo | ~$657 | ~$1,314/yr |
| Higher-Premium Example (Varies by Driver) | ~$230/mo | ~$1,378 | ~$2,756/yr |
For perspective, statewide averages are often higher than many drivers expect—recent statewide estimates have placed New York around $275/month on average (all coverages combined), with separate analyses commonly showing higher averages for full coverage than for minimum coverage. Use the table above as a starting point, then confirm with quotes for your exact vehicle and garaging address.
Why prices vary: Insurers price risk differently. Your premium can change based on your ZIP/garaging location, claims patterns, vehicle theft and repair costs, your driving and insurance history, annual mileage/commute, and how much coverage you select (limits, deductibles, and optional add-ons).
Good to know: If you finance or lease your car, the lender typically requires comprehensive and collision coverage—often with specific deductible and limit requirements.
Recommended Coverage for Drivers in Mamaroneck
New York minimum coverage is designed to meet legal requirements, not to fully protect your savings. Many Mamaroneck drivers choose stronger limits and a few practical extras, especially if they drive frequently, park on-street, or own a newer vehicle.
A Practical Coverage Mix Many Drivers Choose
- Higher Liability Limits: Common steps up include 100/300/100 or 250/500/100 (bodily injury per person/per accident, plus property damage). If you have significant assets, consider an umbrella policy.
- Collision + Comprehensive: Often worth it for newer cars or vehicles you can’t easily replace. Choose a deductible you could comfortably pay on short notice (many pick $500–$1,000).
- Uninsured/Underinsured Protection (SUM): Adds protection if the other driver’s insurance is too low to cover your injuries.
- Rental Reimbursement + Roadside: Helpful if you rely on your car daily and want fewer surprises during repairs or breakdowns.
- Gap Coverage (If Needed): If you owe more than the car’s value, gap coverage can be a lifesaver after a total loss (often available through insurers or the lender).
| Coverage Area | Good Baseline | When To Consider More |
|---|---|---|
| Liability | 100/300 BI + 100 PD | If you have higher income/assets or frequent highway driving |
| Comp & Collision | $500–$1,000 deductible | If vehicle is newer, financed/leased, or expensive to repair |
| PIP (No-Fault) | State minimum | If you want more wage/medical buffer beyond the minimum |
| UM/SUM | At least match your BI limits | If you want stronger injury protection regardless of who hits you |
Good to know: Raising deductibles can lower premiums, but only do it if you could pay that deductible tomorrow without stress.
Best Car Insurance Companies for Mamaroneck
The “best” insurer depends on what you value most—price, claims experience, coverage options, or eligibility (like military status). Here are solid options many New York drivers compare.
| Company | Best for | Why it’s good | Watch-outs |
| Progressive | Drivers who like strong online tools | Competitive pricing for many profiles; robust digital policy management | Rates can jump after incidents; discounts vary by driver |
| GEICO | Price-conscious shoppers | Often strong base rates; easy quoting and servicing | Local agent experience varies (more direct-to-consumer) |
| State Farm | People who want a local agent | Large agent network; helpful for bundling home/renters | Not always the cheapest for every driver |
| Travelers | Bundlers and coverage customization | Good optional coverages; strong bundling potential | Pricing varies widely by ZIP and driver profile |
| New York Central Mutual | Regional-carrier fans | Often competitive in parts of NY; regional focus | Availability and discounts can depend on the agent/channel |
| Allstate | Drivers who want lots of add-ons | Many coverage options and agent support | Can be higher-priced depending on record/ZIP |
| Erie | Service-focused shoppers | Strong reputation in many markets; solid coverage options | Only sold through agents; not available everywhere |
| USAA | Military families (eligible members) | Often excellent value and customer satisfaction | Eligibility restrictions apply |
Best Auto Insurance Agents in Mamaroneck
Prefer working with a person? Here are reputable, verifiable agencies and agents serving Mamaroneck and nearby areas. Always confirm hours and coverage options before visiting.
| Agency | Address | Phone | Website | Why they’re a good fit |
| Champion Insurance NY | 623 E Boston Post Rd, Mamaroneck, NY 10543 | (718) 547-7100 | Website | Independent-broker style help; useful if you want multiple carrier options. |
| Cross Insurance (Mamaroneck Office) | 430 Center Ave, Suite 2, Mamaroneck, NY 10543 | (914) 381-2040 | Website | Full-service agency; good if you want broader coverage planning and bundling. |
| Zubin D. Sinor Agency Inc (State Farm) | 141 Halstead Ave, Mamaroneck, NY 10543 | (914) 670-0245 | Website | Local agent support with strong customer-service focus. |
| Carla Rodriguez (State Farm) | 605 E Boston Post Rd, Mamaroneck, NY 10543 | (914) 835-6000 | Website | Helpful for shoppers who prefer in-person guidance and bilingual support options. |
| Rob Stabile (Allstate) | 234 Mamaroneck Ave, Mamaroneck, NY 10543 | (914) 698-6633 | Website | Good if you want a dedicated agent plus access to Allstate add-ons. |
| Albert Palancia Insurance Agency | 116 Mamaroneck Ave, Mamaroneck, NY 10543 | (914) 698-1373 | Website | Independent agency approach; useful for comparing multiple carriers. |
| Jo Ann Prescott (Nationwide) | 1600 Harrison Ave, Ste 208B, Mamaroneck, NY 10543 | (914) 621-9300 | Website | Nationwide agent option if you’re comparing name-brand carriers. |
| Coughlin Insurance Services (Nearby) | 178 Myrtle Blvd, Floor 2, Larchmont, NY 10538 | (914) 834-1234 | Website | Nearby full-service agency; helpful for complex policies and multi-policy households. |
| Farmers Insurance — Wayne Matthews | 432 Mamaroneck Ave, Mamaroneck, NY 10543 | (914) 732-3276 | Website | Good if you want a single-carrier agent relationship and straightforward policy reviews. |