White Plains Auto Insurance

Last Updated on January 20, 2026

Driving in White Plains, New York often means busy commuter traffic, tight parking, and seasonal weather that can bring slick roads. The right auto insurance policy helps you stay compliant with New York rules while protecting your budget when repairs, medical bills, or liability claims happen.

Below is a practical guide to White Plains auto insurance: what New York requires, what local drivers often pay, coverage suggestions, top insurers to consider, and a list of nearby agents and agencies.

White Plains Auto Insurance at a Glance

Local Costs Can Run Higher: White Plains sits in the NYC metro risk zone, so rates may be above many upstate ZIP codes.
NY Has “No-Fault” Rules: Policies must include required liability plus mandatory coverages like PIP (no-fault) and uninsured motorist protection.
Small Changes Can Move Your Price: Garaging ZIP, annual mileage, deductibles, and driver history typically have outsized impact on premiums.
Shop Both Captive and Independent Options: Local agents can compare carriers, while direct insurers can be strong for simple profiles.

New York Auto Insurance Requirements

New York requires specific coverages to register and drive a vehicle, and required limits can change. Always confirm current minimums before you buy or renew.

Coverage	NY Minimum Limit (Statewide)
Bodily Injury Liability	$25,000 per person / $50,000 per accident (injury)
Death Liability	$50,000 per person / $100,000 per accident (death)
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

Source (NY DMV): New York State Insurance Requirements

Bodily injury liability helps pay for injuries you cause to others. Property damage liability helps pay for damage you cause to someone else’s vehicle or property.

No-Fault (PIP) helps cover medical expenses (and certain related costs) for you and eligible passengers after a crash—regardless of fault. Uninsured motorist helps protect you if you’re hit by an uninsured (or hit-and-run) driver.

Many White Plains drivers choose higher limits than the minimum because medical care, lawsuits, and vehicle repairs can exceed minimum coverage quickly—especially in higher-cost metro areas.

How Much Does Car Insurance Cost in White Plains?

Prices vary by driver, but published estimates show White Plains trending above many New York areas. As of November 2025, one major rate analysis listed White Plains full coverage around $251/month (about $3,013/year). Another estimate (cited via WalletHub) puts White Plains around $2,085/year for minimum coverage and $5,062/year for full coverage.

Coverage Level	Typical Monthly	Typical Annual	Notes / Source
State Minimum Coverage	~$174/mo	$2,085/yr	WalletHub estimate cited by VIU by HUB (source)
Full Coverage	$251/mo	$3,013/yr	Bankrate city table (updated Nov 1, 2025) (source)
Full Coverage (Alternate Estimate)	~$422/mo	$5,062/yr	WalletHub estimate cited by VIU by HUB (source)

Why the spread? Different sources use different sample drivers, coverage definitions, and data methods. Your quote will mainly reflect ZIP/garaging location, driving record, claims history, vehicle type, repair costs, annual mileage, and selected deductibles/limits.

Good to know: If you change where you park most nights (garaging ZIP) or your commute mileage shifts, update your policy—rating is heavily tied to location and usage.

Recommended Coverage for Drivers in White Plains

Minimum coverage may satisfy New York law, but it’s often not enough for real-world claims. Consider these common upgrades for White Plains drivers:

Higher Liability Limits: Many drivers move to at least 100/300/100 (or similar) to better protect savings if you cause a serious crash.
Collision & Comprehensive: Especially important for newer vehicles, financed/leased cars, or anyone who can’t easily replace a vehicle out-of-pocket.
Deductible Strategy: Raising deductibles can lower premium, but choose a number you can actually pay quickly after a loss.
Uninsured/Underinsured Protection (When Available): In a busy metro area, extra protection beyond the minimum can matter when the other driver’s coverage is limited.
Rental Reimbursement & Roadside: Helpful if you rely on your car daily and can’t easily absorb downtime.

Good to know: If you’re leasing or financing, your lender typically requires collision and comprehensive—plus a maximum deductible (often $500–$1,000). Check your contract.

Best Car Insurance Companies for White Plains

“Best” depends on your driving profile, vehicle, and budget. These insurers are commonly considered in New York; compare quotes and pay attention to coverage details (especially PIP/no-fault options, deductibles, and endorsements).

Company	Best for	Why it’s good	Watch-outs
State Farm	Drivers who want a local agent	Strong agent network and policy support	Rates can vary widely by ZIP/driver profile
GEICO	Budget-focused shoppers	Often competitive pricing for clean records	Less “hand-holding” than agent-based options
Progressive	Drivers who like flexible options	Good online tools and discount variety	Claims experience can feel inconsistent by region
Travelers	Drivers wanting broad coverage choices	Solid coverage menu and bundling potential	Not always the cheapest for high-risk profiles
Allstate	People who prefer agent guidance	Strong local agent availability	Premiums may be higher for some drivers
Nationwide	Bundlers (auto + home/renters)	Discounts can add up with multiple policies	Best pricing often requires bundling/eligibility
New York Central Mutual	Drivers open to regional carriers	Local-market focus can be a plus	Availability can vary by agent and underwriting
USAA	Military families (eligible members)	Often excellent value for eligible drivers	Eligibility restrictions apply
Amica	Customer-service focused shoppers	Strong reputation for service	May price higher than “budget-first” insurers
Liberty Mutual	Drivers who want customizable add-ons	Many endorsements and coverage options	Compare carefully—optional add-ons can raise cost

Best Auto Insurance Agents in White Plains

Prefer working with a local pro? Here are nearby agencies and agents serving White Plains. Always confirm hours, appointment availability, and which carriers they represent.

Agency	Address	Phone	Website	Why they’re a good fit
Mike O’Boyle (State Farm)	235 Mamaroneck Ave, Ground Floor, White Plains, NY 10605	(914) 948-3500	Visit	Local agent support for auto, home, and multi-policy coordination.
Brian Wallach Agency, Inc.	1 N Broadway, Suite 406, White Plains, NY 10601	(914) 949-0000	Visit	Independent-style agency that can help compare carrier options.
Scavone Insurance Agency Center LLC	470 Mamaroneck Ave, Suite 205, White Plains, NY 10605	(914) 428-7111	Visit	Longtime local presence with personal and business insurance options.
William E. Morrell, Inc.	128 Court St, White Plains, NY 10601	(914) 949-0904	Visit	Independent agency support for drivers who want guidance on coverage structure.
Paolillo Insurance Agency, Inc.	22 Greenridge Ave, Suite 305, White Plains, NY 10605	(914) 948-0600	Visit	Helpful for shoppers who want multiple lines (auto/home) and local service.
Buchanan Insurance Agency Co., Inc. (North White Plains)	11 Virginia Rd, North White Plains, NY 10603	(914) 946-1479	Visit	Independent agency option near White Plains for personalized comparisons.
Theiss Agency, Inc. (Nationwide)	600 N Broadway, White Plains, NY 10603	(914) 948-2144	Visit	Good if you want a local office with access to Nationwide products.
BFL Insurance Group, LLC (Allstate)	199 Main St, Ste 200, White Plains, NY 10601	(914) 609-9190	Visit	Convenient downtown location for agent-based service and reviews.

FAQs on Auto Insurance in White Plains, NY

What are the minimum car insurance requirements in White Plains, NY?

White Plains drivers must follow New York statewide minimums, which include liability coverage plus mandatory no-fault (PIP) and uninsured motorist protection. The specific dollar limits are listed above, and you should confirm current requirements before purchasing or renewing.

Is full coverage required in White Plains?

Full coverage (usually liability + comprehensive + collision) is not required by New York law, but it is commonly required by lenders and leasing companies. Even without a loan, many drivers choose it to protect against theft, weather damage, and at-fault collision repairs.

Why can White Plains car insurance be more expensive than other parts of New York?

Being in the NYC metro area often means denser traffic, higher claim severity, and higher repair and medical costs. Your exact rate still depends heavily on your garaging ZIP, driving history, vehicle, mileage, and chosen deductibles.

How can I lower my auto insurance premium in White Plains?

Compare quotes from multiple insurers, ask about higher deductibles you can afford, and review discounts (multi-policy, safe driver, telematics, good student, and more). Keeping continuous coverage and correcting garaging/mileage info can also help avoid unnecessary surcharges.

What does No-Fault (PIP) mean in New York?

No-fault means your own policy’s PIP coverage can pay certain medical costs and related expenses after a crash, regardless of who caused it. It’s designed to get benefits moving quickly, but serious injuries and liability claims can still create large costs—so limits matter.

What happens if my New York auto insurance lapses?

A lapse can lead to DMV penalties, including registration and license issues, and it can raise your future premiums. If you’re changing insurers, try to ensure the new policy starts before the old one ends to avoid gaps.

Should I add rental reimbursement or roadside assistance?

If you rely on your car for commuting or daily errands, rental reimbursement can reduce disruption after a covered claim. Roadside assistance can be worth it if you don’t already have similar benefits through a vehicle warranty, club membership, or credit card.

Lower your New York car insurance costs

White Plains Auto Insurance