Scarsdale Auto Insurance

Last Updated on January 29, 2026

Looking for auto insurance in Scarsdale, New York? Local driving is a mix of short neighborhood trips, commuter traffic, and busy corridors connecting to nearby business districts—plus winter weather that can make stopping distances and fender-benders more common.

This guide breaks down New York’s required coverages, what pricing often looks like around Scarsdale, and how to choose limits that protect your household and your savings.

Scarsdale Auto Insurance at a Glance

Higher Limits Often Make Sense: Scarsdale drivers frequently choose higher liability limits to better protect income and assets beyond New York’s minimums.
No-Fault Is Required in NY: New York requires Personal Injury Protection (PIP), which helps pay medical-related expenses regardless of fault (up to the policy limit).
ZIP Code Drives Price: Rates can change meaningfully within a few miles based on garaging ZIP, claims trends, theft/vandalism risk, and repair costs.
Local Agents Help With Fit: An agent can compare carriers, explain NY-specific coverages (like UM/SUM), and tailor deductibles for how you actually drive.

Table Of Contents

New York Auto Insurance Requirements
How Much Does Car Insurance Cost in Scarsdale?
Recommended Coverage for Drivers in Scarsdale
Best Car Insurance Companies for Scarsdale
Best Auto Insurance Agents in Scarsdale
FAQs on Auto Insurance in Scarsdale, NY

New York Auto Insurance Requirements

New York sets statewide minimum auto insurance requirements, but exact rules and interpretations can change. Most drivers carry more than the minimum to better protect their finances after a serious crash.

Coverage Type	New York Minimum (Typical Passenger Vehicle)
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
Uninsured Motorist (BI)	$25,000 per person / $50,000 per accident
Death Liability	$50,000 (one person) / $100,000 (two or more people) per accident

Source: New York State DMV insurance requirements: dmv.ny.gov/insurance/insurance-requirements

Bodily Injury Liability helps cover injuries you cause to others. Many Scarsdale households choose higher limits (or add an umbrella policy) to reduce out-of-pocket risk after a severe injury claim.

Property Damage Liability helps pay for damage you cause to someone else’s vehicle or property. With today’s repair costs, higher limits can prevent a relatively minor crash from turning into a large bill.

No-Fault (PIP) helps pay medical expenses and certain related costs for you and your passengers, regardless of fault, up to the policy limit.

Uninsured Motorist helps protect you if you’re hurt by an uninsured driver (or in certain hit-and-run situations). Many drivers also add Supplementary Uninsured/Underinsured Motorist (SUM) for broader protection.

Death Liability is part of New York’s liability framework and applies when a crash results in a fatality. Higher overall liability limits can help protect your family’s finances in worst-case scenarios.

How Much Does Car Insurance Cost in Scarsdale?

Costs vary by driver and vehicle, but published pricing benchmarks can help you sanity-check quotes. As of November 2025, Bankrate reports New York averages of $148/month for state-minimum coverage and $341/month for full coverage. In the same dataset, Scarsdale shows an average full coverage premium of about $255/month ($3,064/year).

Benchmark	Monthly	Annual	Notes
NY State Minimum (Average)	$148	$1,776	Statewide benchmark; your Scarsdale quote may differ by ZIP and driver profile.
NY Full Coverage (Average)	$341	$4,092	Statewide benchmark for broader protection (liability + comp/collision in many cases).
Scarsdale Full Coverage (Average)	$255	$3,064	Local full-coverage benchmark reported for Scarsdale.

Why prices vary: insurers weigh your garaging ZIP code, claim frequency in the area, vehicle repair costs, theft/vandalism risk, your driving history, annual mileage, credit-based insurance score (where permitted), and the coverages/deductibles you choose.

Good to know: If you commute by train and drive fewer miles some years, update your annual mileage—low-mileage drivers may qualify for better pricing or usage-based discounts.

Recommended Coverage for Drivers in Scarsdale

New York minimums keep you legal, but they can be tight after a serious accident. In Scarsdale, many drivers consider these practical upgrades:

Higher Liability Limits: Consider stepping up from minimums to limits that better match your savings and income risk. Many households choose limits like 100/300/100 or higher (availability varies by carrier).
Comp & Collision With Smart Deductibles: If your vehicle is newer or financed/leased, comp/collision can be essential. A higher deductible can lower premium—just pick a number you could comfortably pay after an unexpected claim.
UM/SUM Protection: UM is required in NY; adding SUM can help if the at-fault driver’s limits are low. This can be especially valuable for medical-related losses after a serious crash.
Rental Reimbursement & Roadside: Helpful if you’d struggle without a car for a week or more during repairs.
Gap Coverage (If Needed): If you owe more than the car’s value, gap coverage can prevent a big payoff surprise after a total loss.

Good to know: If you already carry a home or renters policy, bundling with the same insurer can help—but always compare the bundled total cost and coverage details, not just the discount.

Best Car Insurance Companies for Scarsdale

The “best” insurer depends on your driver profile, vehicle, and coverage needs. Use this table as a starting shortlist, then compare apples-to-apples quotes (same limits, deductibles, and add-ons).

Company	Best for	Why it’s good	Watch-outs
GEICO	Competitive pricing	Often strong rates for clean records; solid digital tools for policy management.	Claims experience can vary by situation; always compare coverage details.
State Farm	Local agent support	Large agent network; good for bundling home/auto and ongoing service.	Best pricing varies by driver profile; discounts differ by state and policy.
Progressive	Drivers who like online comparisons	Strong quote tools and flexible coverage add-ons (varies by policy).	Rates may change at renewal; verify every coverage line item.
Travelers	Bundling + coverage options	Good option for multi-policy households and customized endorsements.	Not always the cheapest for all drivers; availability can vary by risk tier.
Allstate	Drivers seeking structured programs	Wide product menu and local agents; good for customers who want guided choices.	Pricing can be higher for some profiles; compare side-by-side.
New York Central Mutual	NY-focused carrier shoppers	Regional carrier familiar with NY underwriting and coverage needs.	Not available to every driver/ZIP; agent availability varies.
Nationwide	Families and multi-car households	Good multi-car and bundling potential; broad coverage options.	Discount eligibility varies; confirm endorsements and limits.
Liberty Mutual	Customized policies	Many configurable coverages; can be strong for certain home/auto bundles.	Rates vary widely; review renewal pricing trends.
Amica	Service-focused buyers	Often praised for customer service and claims handling reputation.	May be pricier upfront; eligibility and offerings vary by driver.
USAA	Military families	Often excellent value and service for eligible members.	Eligibility limited to military members and qualifying family.

Best Auto Insurance Agents in Scarsdale

If you prefer help comparing carriers or tailoring NY-specific coverages, these verified agencies and agents serve Scarsdale. Always confirm hours, exact services, and appointment options before visiting.

Agency	Address	Phone	Website	Why they’re a good fit
Cross Insurance (Scarsdale)	820 Scarsdale Ave, Scarsdale, NY 10583	914-723-7100	crossagency.com	Independent agency approach with broad carrier access; good for complex households and coverage reviews.
Plum Insurance Agency LLC	23 Kent Rd, Scarsdale, NY 10583	914-874-5800	pluminsurance.net	Independent agency for comparing multiple carriers; helpful if you want options beyond one brand.
Gabriel Bundschuh Insurance Agency (Nationwide)	700 White Plains Rd Ste 322, Scarsdale, NY 10583	914-723-2220	nationwide.com (agent page)	Good if you want a national carrier with local agent guidance and cross-policy coordination.
Joseph Spadafino (Allstate)	64 Garth Rd, Scarsdale, NY 10583	914-723-2400	agents.allstate.com	Convenient local office for bundled policies and ongoing account service.
Vivian Lem (State Farm)	590 Central Park Ave, Suite 7, Scarsdale, NY 10583	914-725-5000	vivianlem.net	Good choice if you like face-to-face support with a major carrier and structured coverage reviews.
Select Insurance Agency, Inc.	676A White Plains Rd, Scarsdale, NY 10583	914-395-3131	selectagency.com	Independent agency option for shoppers who want multiple quotes and guidance on deductibles.
Robert M Halpern Insurance	1 Fountain Ln, Scarsdale, NY 10583	914-723-2363	TrustedChoice profile	Local independent agency listing; a good starting point if you want help comparing carriers.

FAQs on Auto Insurance in Scarsdale, NY

What’s the minimum car insurance required in Scarsdale, NY?

Scarsdale follows New York State requirements. At a minimum, drivers generally need liability coverage (bodily injury and property damage), uninsured motorist bodily injury coverage, and no-fault (PIP). Many drivers choose higher limits for better financial protection.

Is New York a no-fault state, and what does that mean for me?

Yes. New York’s no-fault system means your own policy’s PIP coverage helps pay certain medical-related costs after a crash regardless of who caused it, up to your policy limit. Liability coverage is still important for injuries and damage you cause to others.

Can I register a car in New York with out-of-state insurance?

Typically, no. New York generally requires New York State-issued auto liability coverage from an insurer authorized and certified for New York. If you’re moving, speak with an agent before you register to avoid delays or penalties.

How can I lower my car insurance premium in Scarsdale?

Common ways include raising deductibles (if you can afford them), maintaining a clean driving record, confirming annual mileage, bundling home/renters and auto, asking about defensive driving or telematics programs, and shopping quotes at renewal.

Do I need collision and comprehensive coverage?

If your car is financed or leased, the lender usually requires comp and collision. Even if it’s paid off, these coverages can be worth it for newer vehicles or if you want protection against theft, vandalism, weather damage, and at-fault accidents.

What’s UM vs. SUM coverage in New York?

UM (uninsured motorist) is required for bodily injury and helps if you’re hurt by an uninsured driver. SUM (supplementary uninsured/underinsured motorist) is optional and can expand protection when the at-fault driver’s limits aren’t enough.

What happens if my NY auto insurance lapses?

A lapse can lead to registration and license penalties in New York, and it can also increase future premiums. If you’re changing carriers, make sure the new policy starts before the old one ends to avoid even a one-day gap.

Lower your New York car insurance costs

Scarsdale Auto Insurance