Compare Yonkers, NY Car Insurance Rates (2021)

The average annual car insurance rates in Yonkers, NY are around $6,054. The cheapest car insurance company in Yonkers, NY is GEICO, although rates will vary for each person. Yonkers, NY car insurance must meet the state minimum requirements with coverage levels of 25/50/10 for liability and property damage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Founder & CFP®

UPDATED: Mar 4, 2021

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Here’s What You Need To Know

  • The average annual car insurance rate for Yonkers, NY is $6,054
  • The cheapest car insurance company in Yonkers, NY is GEICO, and the second cheapest is Progressive
  • Yonkers, NY car insurance rates are affected by the traffic that is shared with Mount Vernon as well as New York City
  • The average commute time for Yonkers is 33.7 min

Yonkers, NY car insurance rates are, on average, well above the state average. They are about $400 lower than Mount Vernon rates and about $1,500 cheaper than New York City rates.

You can save on Yonkers, New York, car insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Yonkers, New York for every age, credit history, and driving record.

Ready to find affordable car insurance in Yonkers, NY? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Yonkers, NY?

The cheapest car insurance company in Yonkers, based on average rates, is GEICO. The second cheapest company is Progressive.

The top car insurance companies in Yonkers, NY, ranked from cheapest to most expensive are:

  • GEICO – $4,659
  • Progressive – $6,422
  • USAA – $7,912
  • Allstate – $9,410
  • Travelers – $9,446
  • Nationwide – $9,636
  • State Farm – $9,733
  • Liberty Mutual – $17,138

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What car insurance coverage is required in Yonkers, NY?

All Yonkers drivers have to meet the New York state law minimum requirements to buy car insurance.

In New York, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects car insurance rates in Yonkers, NY?

Yonkers is the 11th largest city in New York and about a 20 min drive from Mount Vernon and about an hour drive from New York City. Let’s take a look at how Yonkers auto insurance rates compare to other cities in New York.

Brooklyn, NY— $9,347 (most expensive)
Mount Vernon, NY— $6,441
Yonkers, NY — $6,054
New York City, NY— $7,482
Corning, NY— $2,730 (cheapest)

INRIX doesn’t rank Yonkers or Mount Vernon but does rank New York City which is about an hour away. INRIX ranks New York City as the 4th most congested city in the U.S. Yonkers is east of Mount Vernon and New York City, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports the average commute time for Yonkers is 33.7 minutes.

Car theft in Yonkers also affects rates. The FBI’s most recent annual statistics list 182 car thefts in a city population of 201,554. That’s a rate of 90 cars stolen per 100,000 population.

Yonkers, NY Car Insurance: The Bottom Line

Yonkers has slightly above-average car insurance rates compared to other cities of its size in New York, but you can still save by shopping around and comparing.

Before you buy car insurance in Yonkers, NY, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Yonkers, NY car insurance quotes.

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Average Monthly Car Insurance Rates by State