Car Insurance in White Plains
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Insurance Built Around Your Reason To Drive
Not everyone in White Plains, NY, keeps a vehicle for the same reason. Many, maybe most of the area's nearly 60,000 residents, use their vehicles primarily to commute and run errands, but a significant number of people in the community also depend on a personal vehicle to earn a living. No matter what the car is for, the average household in White Plains has two of them. and the state requires that they all carry car insurance in White Plains.
Commute Times and Public Transportation
There are several options for public transportation in White Plains, including rail service with express routes into Manhattan and other nearby municipalities. While these options are popular, most residents who work in the area commute to work or commute to a railroad station and then travel to work. The average commute time is 27 minutes in White Plains.
Insurance Costs and Cost Factors
The average cost of car insurance in White Plains is $2,085 annually for minimum coverage according, to WalletHub. which is significantly higher than the New York state average of $1,371, according to Bankrate. Full coverage was also comparably higher, with a policy in White Plains averaging $5,062 against a statewide average of $3,139. There are a few reasons for the above-average cost in the area.
The median property value in White Plains was $559,100 in 2021, significantly above the national average. Residents in areas with higher property values also tend to spend more on vehicles, and both the vehicle's cost and size factor into insurance costs. Car insurance in White Plains is also elevated by its proximity to New York City and the surrounding metropolitan area because areas with dense housing and lots of traffic have higher rates than small cities and rural areas.
The age of your vehicle also plays a role in the cost of your coverage, as does your driving record. All of these factors are weighed differently by each insurance company, too. That means that while one company might have the best average price for a given year, your individual quote could show you that your best deal comes from another offer. Comparing quotes with VIU by HUB is a great way to investigate your options and weigh the costs of different coverage add-ons with each insurance provider.
New York State Auto Insurance Requirements
While full coverage is the most cost-effective option for most drivers, minimum coverage offers you the state-required insurance options at an economical price:
- $50,000 per person in PIP coverage for the driver and all passengers
- $25,000 for bodily injury liability for a single person and $50,000 for two or more persons in crashes that do not result in death
- Double those coverage limits for crashes that result in a death
- $10,000 in property damage liability coverage
- Uninsured motorist coverage
New York State insurance requirements are built around no-fault insurance principles, which are designed to pay out quickly with comprehensive benefits whenever there is a crash resulting in injury. These minimum coverage options are just a starting point for drivers with a significant investment in a vehicle, however. Comparing quotes with VIU by HUB can show you which insurance provider has the best deal on car insurance in White Plains that fits your lifestyle and your vehicle.
This information is intended for general informational purposes only and is not intended to constitute legal advice.