Your Independent Auto Insurance Broker Serving Westchester County

Westchester County stretches from the urban centers of Yonkers and Mount Vernon along the southern border to the quiet river towns of Croton-on-Hudson and Peekskill in the north. In between are some of the most diverse communities in the New York metro area — from the dense walkable streets of White Plains to the wooded estates of Bedford and Pound Ridge.

K&N Insurance Brokerage is an independent broker, which means we don’t work for one insurance company — we work for you. We search across multiple carriers to find the coverage and price that fits your situation, whether you’re a daily commuter on I-287, a first-time driver in New Rochelle, or insuring a fleet of vehicles for your Westchester-based business.

Our Bronx office at 3010 Eastchester Rd is just minutes from southern Westchester — accessible straight up the Hutchinson River Parkway from Pelham, Eastchester, and Tuckahoe. We also have our main office in Queens and a toll-free line at (833) 840-8500 for Westchester drivers who prefer to handle everything by phone.

Our team speaks English, Spanish, Arabic, French, and Russian — so no matter what language you’re most comfortable in, we can help. ¿Necesitas seguro de auto en Westchester? Llámanos — hablamos español.

Auto Insurance Coverage Built for Westchester Roads

New York requires minimum liability limits of 25/50/10, plus $50,000 in no-fault (PIP) coverage and uninsured motorist protection. But Westchester’s road network — a maze of parkways, expressways, and winding county roads — creates risks that minimum coverage often can’t handle.

Liability Coverage

Covers injuries and property damage you cause to others. If you’re commuting on I-95 through Larchmont or merging onto the Cross County Parkway during rush hour, a serious accident could easily exceed New York’s low 25/50/10 minimum. We typically recommend higher limits for Westchester drivers, especially those with property or savings to protect.

Collision Coverage

Pays for damage to your car after an accident with another vehicle or object. Westchester’s parkways — the Taconic, Saw Mill River, Sprain Brook, and Bronx River — are beautiful but unforgiving. Narrow lanes, no shoulders, sharp curves, and sudden merges make fender benders and guardrail collisions more common than drivers expect.

Comprehensive Coverage

Covers damage from things other than collisions: theft, vandalism, falling trees, hail, flooding, and animal strikes. Westchester drivers face unique comprehensive risks — deer crossings are a real hazard on the Taconic and Saw Mill north of I-287, and nor’easters regularly bring down tree limbs onto parked cars in suburban neighborhoods.

Uninsured & Underinsured Motorist

Required in New York. This protects you when the other driver has no insurance or not enough. An estimated 6% of New York drivers are uninsured, and that number rises in the urban corridors of southern Westchester near the Bronx border.

Personal Injury Protection (No-Fault)

New York’s no-fault system means your own insurer pays your medical bills up to $50,000 regardless of fault. For Westchester commuters spending 45+ minutes each way on I-87 or the Hutch, the exposure to highway-speed accidents makes PIP coverage critical.

Commercial Auto Insurance

Running a business in Westchester? From landscaping crews in Tarrytown to delivery fleets in White Plains to contractors working across the county, personal policies don’t cover commercial use. We write commercial auto insurance for Westchester businesses of every size.

Westchester County Communities We Serve

We serve drivers across every city, town, and village in Westchester County — from the Bronx border to the Putnam County line:

• White Plains
• Yonkers
• New Rochelle
• Mount Vernon
• Scarsdale
• Tarrytown
• Ossining
• Peekskill
• Rye
• Mamaroneck
• Larchmont
• Pelham
• Bronxville
• Tuckahoe
• Eastchester
• Dobbs Ferry
• Hastings-on-Hudson
• Ardsley
• Elmsford
• Port Chester
• Harrison
• Bedford
• Chappaqua
• Croton-on-Hudson
• Pleasantville
• Briarcliff Manor
• Cortlandt Manor
• Yorktown Heights

We also serve drivers across Queens, Huntington and Long Island, Flushing, and the entire New York and New Jersey metro area.

Frequently Asked Questions — Westchester Car Insurance

How much does car insurance cost in Westchester County, NY?

Westchester car insurance rates vary widely depending on where you live in the county. Drivers in southern Westchester (Yonkers, Mount Vernon) typically pay more than those in northern towns like Cortlandt or Yorktown. Your driving record, vehicle, and coverage level also matter. Call us at (833) 840-8500 for a free personalized quote.

Is car insurance cheaper in Westchester than in New York City?

Generally yes — most Westchester ZIP codes have lower rates than the five boroughs. However, southern Westchester cities near the Bronx border can approach NYC pricing. Northern Westchester communities like Bedford and Chappaqua tend to have noticeably lower rates, though high vehicle values can offset the savings.

Do you have an office in Westchester County?

Our closest location is our Bronx office at 3010 Eastchester Rd, Suite 112, Bronx, NY 10469 — just minutes from southern Westchester via the Hutchinson River Parkway. We also handle everything by phone at (833) 840-8500 or through our online quote form.

Can I get car insurance with a bad driving record in Westchester?

Yes. As an independent brokerage, we work with carriers that specialize in high-risk drivers — including those with accidents, tickets, DWIs, or lapses in coverage. We’ll find your best available option regardless of your history.

Can I get a quote in Spanish or another language?

Absolutely. Our team speaks English, Spanish, Arabic, French, and Russian. ¿Seguro de auto en Westchester? Llámanos al (833) 840-8500 — te ayudamos en español.

What discounts are available for Westchester drivers?

Common discounts include multi-car, bundling with homeowners insurance, safe driver, defensive driving course completion, good student, pay-in-full, and autopay. Westchester homeowners especially benefit from bundling auto and home policies — the savings can be substantial.

Do you write commercial auto insurance in Westchester?

Yes. We insure commercial vehicles across Westchester — from single-truck contractors to multi-vehicle fleets. Learn more about commercial auto insurance or call us directly.

Is K&N Insurance Brokerage licensed in New York?

Yes. K&N Insurance Brokerage has been a fully licensed insurance brokerage in New York since 2018, with 862+ reviews across our locations at a 4.9-5.0 star rating.

What Our Customers Say

4.9 ★★★★★ 862+ reviews across all locations

Visit Us — Closest Office to Westchester

Our Bronx office is the quickest route for Westchester drivers — take the Hutch south to Eastchester Road. We also serve Westchester from our Queens headquarters and by phone from anywhere in the county.

Email: [email protected]