Cheap Auto Insurance in Yonkers, New York (2026)
Yonkers drivers will find the cheapest car insurance with Erie. Its minimum coverage rates start at $192 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byA.M. Steinbach
)
Full-time writer for 5+ years
Two-time Emmy Award nominee
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
)
Reviewed byDavid Marlett
)
David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Living in Yonkers gives you easy access to the vibrant culture, business scene, and cuisine of New York City, and the natural wonders of New York's Hudson Valley. But it also means you face higher car insurance rates than drivers in other parts of the Empire State.
Car insurance in Yonkers costs, on average, $310 per month for full coverage and $217 for liability-only coverage. That's significantly higher than the New York state averages of $175 (full coverage) and $155 (liability only), and the national averages of $174 and $99, respectively.
With five major highways cutting through Yonkers, traffic congestion and an increased risk of accidents are major drivers of the city's higher car insurance rates. Here’s what you need to know about finding the cheapest car insurance in Yonkers.
Quick Facts
Erie, USAA, and Travelers are the three cheapest car insurance companies for Yonkers drivers.
State law allows car insurance companies in New York to consider your credit history when determining rates.[1]
New York is a no-fault state, which means both drivers involved in an accident must file a claim with their respective insurers, regardless of fault.[2]
Best car insurance companies in Yonkers
The best car insurance company for you depends on your specific driving needs, as well as your driving record, age, and financial situation. The table below outlines some of the best car insurance options in Yonkers and highlights the drivers best suited for the different companies.
 |  |  |  |  |
|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $375/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $133/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $138/mo* |
Overall rating 4.5 | Overall rating 3.4 | Overall rating 3.2 | Overall rating 4.4 | Overall rating 4.9 |
Value for money 4.3/5 | Value for money 3.0/5 | Value for money 3.1/5 | Value for money 3.6/5 | Value for money 4.9/5 |
Customer service 4.3/5 | Customer service 3.3/5 | Customer service 3.3/5 | Customer service 3.6/5 | Customer service 4.8/5 |
Claims handling 4.4/5 | Claims handling 3.5/5 | Claims handling 3.4/5 | Claims handling 4.0/5 | Claims handling 4.9/5 |
Special highlight AAA membersAI-generated from 485 user reviews | Special highlight Numerous discountsAI-generated from 1858 user reviews | Special highlight Competitive ratesAI-generated from 7917 user reviews | Special highlight High customer satisfactionAI-generated from 216 user reviews | Special highlight Members of the military communityAI-generated from 1433 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for cheap rates: CSAA
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $396/mo |
4.5
Best choiceBased on 2,312 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (485)
Joseph
Verified Review
AAA is the best
Reviewed in Mississippi on January 24, 2026
I believe you would get a lower rate and excellent coverage.
Cheryl
Verified Review
Only moderately satisfied
Reviewed in Mississippi on January 5, 2026
The price quoted and the first payment were made, but the subsequent payments increased. I was forced to use auto-pay, which I don't find necessary at 72 years old. I was supposed to be auto-billed on 2/2, and today, 2/5, I still haven't been billed. That's not acceptable.
James
Verified Review
Disappointed
Reviewed in Georgia on December 24, 2025
Home insurance is GREAT but car insurance is too expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
CSAA is a regional insurer, serving New York and 15 other states. The company offers auto, homeowners, and other types of insurance to members of AAA. With rates that are significantly lower than some competitors, CSAA may be a good, cheap option for AAA members or anyone willing to join AAA.
Pros
Lowest quotes for Yonkers drivers
Solid financial strength rating from AM Best
Cons
Limited to AAA members
Scant coverage and discount information on insurer website
Best insurer for teen drivers: Liberty Mutual
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $308/mo |
3.4
A solid optionBased on 3,425 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,858)
Christine
Verified Review
Liberty Mutual is Good
Reviewed in New York on February 3, 2026
Reasonable and adequate.
Michael
Verified Review
Wishing for lower prices and help from our agent to achieve this goal
Reviewed in New York on February 2, 2026
I wish the price of insurance was more reasonable. The cost is very high and it seems to increase every year, no matter if you have no claims, a perfect driving record, or drive a minimal amount.
George
Verified Review
Policies increased by $700 to $1000 per year for bundled Home, Auto, and Umbrella over 3 years with no claims, accidents, or tickets. If you are currently insured with them, start shopping!
Reviewed in Pennsylvania on February 1, 2026
Policies increased by $700 to $1000 per year for bundled Home, Auto, and Umbrella over 3 years with no claims, accidents, or tickets. If you are currently insured with them, start shopping!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Teen drivers are more likely to get into accidents than other age groups, which is why their car insurance rates tend to be high. Nationwide is a good choice for Yonkers families with teen drivers because it offers multiple ways to lower your rates. Teens who maintain a B average or better in school can take advantage of Nationwide's Good Student discount. Or, they can enroll in SmartRide, Nationwide's usage-based insurance program, and save money for driving safely. Parents who drive violation- and accident-free for at least five years can also qualify for a discount. And, if an accident does happen, Nationwide offers optional accident forgiveness coverage which will hold your rates steady following your first at-fault accident.
Pros
Accident forgiveness coverage available
Savings possible via SmartRide and SmartMiles programs
Cons
Above-average number of customer complaints filed with the NAIC
Some discounts and programs aren’t available in all states
Best insurer for safe drivers: Safeco
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
4.3
Best choiceBased on 984 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (529)
Patrick
Verified Review
Poor Business Practice
Reviewed in Michigan on January 30, 2026
The price is a bit cheaper than average at first. The issue is that after a month, they claimed they never received the qualifying medical insurance letter, changed your PIP allocations, and charged you hundreds more than the original quote. They make you jump through hoops to get your money back, then only return a minute fraction of it and claim it was the customer's fault. They will not return the money wrongfully taken for "lack of medical coverage letter"—they received it! And let's just for amusement say they never received it, you'd think an email, text, or call to say "Hey, we don't have the medical coverage letter, and we need that or we will deduct such and such on such and such date" would be appropriate... but no, they'd rather be shady! Additionally, getting a service agent at certain times can be difficult!
Stephen
Verified Review
Costs too much
Reviewed in Colorado on January 28, 2026
The insurance is good, but the cost is too high.
Farid
Verified Review
Analysis
Reviewed in California on January 26, 2026
For me, they raised rates too much.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. If you're a safe driver, Safeco offers some appealing rewards. Staying claims-free for six months could net you 2.5% of your policy premium back in cash, up to 5% each year. And, if you reach your renewal date without any claims, Safeco will reduce your deductible amount every year for up to five years, or a maximum $500 reduction, whichever comes first.
Pros
Cash back for claims-free drivers
Many options for customizing car insurance
Cons
Limited number of available discounts
Customer reviews indicate room for improvement in customer service
How to get the cheapest car insurance in Yonkers
Drivers in Yonkers deal with above-average insurance costs, so it’s worth looking into any strategy that can help you save. The following tips can help you earn lower rates:
Raise your deductible. Your deductible is the amount you pay out of pocket after a claim. Higher deductibles generally mean lower monthly car insurance rates.
Buy a safe car. Cars with advanced safety features and strong safety records often come with lower average car insurance rates.
Look into discounts. Most car insurance companies offer numerous discounts, including lower prices for drivers who buy homeowners and car insurance from the same insurer.
Shop around and compare. Receiving and comparing online quotes from at least three different car insurance companies is a great way to find the lowest rate.[3]
Cheapest liability-only car insurance in Yonkers: Erie
If you cause an accident, your liability insurance covers the costs of the other driver’s resulting vehicle repairs and medical bills. It doesn’t cover your own repairs and medical expenses, which is why liability-only policies tend to cost less than full-coverage policies.[4]
Here are the cheapest car insurance companies in Yonkers for liability-only auto insurance.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Insurance Company  | Average Monthly Quote |
|---|---|
| Erie | $192 |
| USAA | $200 |
| Travelers | $233 |
| State Farm | $273 |
| Allstate | $287 |
| Nationwide | $292 |
| GEICO | $307 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Yonkers: Erie
Full-coverage car insurance is a more robust policy that includes liability, collision, and comprehensive coverage. These additional coverages pay for your car repair costs in the event of a collision or non-collision event, including damage from fire, theft, or severe weather.
These robust policies work best for drivers of high-value, new, or financed vehicles. If you have an auto loan or finance your vehicle, your lender or dealership may require you to purchase this coverage.
Full-coverage insurance typically costs more than liability-only insurance. Here are the cheapest full-coverage options in Yonkers.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $215 |
| USAA | $224 |
| Travelers | $261 |
| State Farm | $305 |
| Allstate | $321 |
| Nationwide | $327 |
| GEICO | $338 |
| CSAA | $396 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Yonkers, New York
Recent Yonkers, New York car insurance prices for Toyota , and more.
*Quotes generated for Insurify users in and around Yonkers, New York within the last 10 days. Last updated on February 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Yonkers, New York within the last 10 days. Last updated on February 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in New York
New York drivers must carry auto insurance that meets the state liability requirements in order to drive legally in the state. New York is a no-fault state, which means your car insurance company will cover your medical bills and other losses after an accident.
In addition to liability coverage, drivers in the state need to purchase a minimum amount of personal injury protection (PIP) coverage. This can cover the costs of medical expenses and other economic losses following an accident for drivers and their passengers.[5]
This table outlines New York’s minimum liability insurance requirements:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $10,000 per accident |
| Personal injury protection | $50,000 per person |
If you want additional protection for your vehicle, you should consider purchasing the following optional coverages:
Collision coverage
This insurance policy covers the repair costs to your own vehicle after an accident, regardless of fault.
Comprehensive coverage
If a non-collision event — such as fire, theft, or severe weather — causes damage to your vehicle, comprehensive coverage kicks in.
Uninsured/underinsured motorist coverage
If you have an accident with someone who doesn’t have any or enough insurance, this can cover your vehicle damage.
Cheapest car insurance for drivers with an incident
Receiving traffic violations will typically increase your car insurance rates. Common violations include speeding tickets, driving-under-the-influence charges, and at-fault accidents. Car insurance companies typically see you as riskier to insure if you have these incidents on your record. To offset these risks, insurers charge you higher premiums.[6]
How much your car insurance rates increase in Yonkers depends on the severity and frequency of your incidents. In New York, accidents stay on your record for three years, violations that lead to license suspension stay on your record for four years, and DUIs stay on your record for up to 15 years.[7]
Find Car Insurance after an Incident in Yonkers
Insurify partners with more than 70 top insurers for quotes
Excellent
4.7 out of 5 based on 11,553 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: Erie
New York uses a point system for traffic violations. If you receive 11 points during an 18-month period, you may face license suspension. Drivers who speed can earn up to 11 points depending on how significantly they exceed the speed limit.[8]
Receiving a speeding ticket will likely lead to higher rates. On average, Yonkers drivers with speeding tickets see car insurance rates in the range of $419 per month for full coverage and $293 for liability-only coverage. The following table shows how a speeding ticket affects liability rates from some top insurers in Yonkers.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| Erie | $192 | $263 |
| USAA | $200 | $268 |
| Travelers | $233 | $313 |
| State Farm | $273 | $359 |
| Allstate | $287 | $387 |
| Nationwide | $292 | $393 |
| GEICO | $307 | $416 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Erie
Drivers in Yonkers with an accident on their record pay more for car insurance on average than drivers with a clean record. An accident will stay on your record in New York for three years. How much your premium increases will also depend on the severity of the accident and the size of the claims payout. If you have multiple accidents, your insurer might not renew your policy.
The average cost of car insurance in Yonkers rises to $310 per month for liability-only policies and $443 for full coverage when drivers have an at-fault accident on their records. Here's how an at-fault accident affects liability rates from top insurers in Yonkers.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| Erie | $192 | $264 |
| USAA | $200 | $278 |
| Travelers | $233 | $325 |
| State Farm | $273 | $374 |
| Allstate | $287 | $399 |
| Nationwide | $292 | $407 |
| GEICO | $307 | $414 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Erie
A DUI is one of the most severe traffic violations you can receive, and it will stay on your record for 15 years in New York. Your car insurance rates will increase significantly, and your car insurance company may even decide not to renew your policy.
Yonkers drivers with DUI convictions face average monthly car insurance rates of $542 for full coverage and $379 for liability-only policies. If you’re looking for new insurance after a DUI, the following car insurance companies offer the lowest rates to Yonkers drivers with DUIs.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| Erie | $192 | $309 |
| USAA | $200 | $323 |
| Travelers | $233 | $376 |
| State Farm | $273 | $440 |
| Allstate | $287 | $463 |
| Nationwide | $292 | $471 |
| GEICO | $307 | $490 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Erie
Your age can have a big effect on your auto insurance rates. Due to years of experience on the road, drivers typically see their rates decrease steadily between the ages of 35 and 70. Premiums tend to increase a bit again for drivers around the age of 75 to account for aging-related risk factors.
On average, car insurance for Yonkers seniors costs $218 monthly for full coverage and $152 for liability only. The following companies offer the most affordable monthly rates for senior drivers in Yonkers.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Erie | $132 | $148 |
| USAA | $147 | $164 |
| Travelers | $168 | $188 |
| State Farm | $193 | $216 |
| Nationwide | $200 | $224 |
| Allstate | $211 | $236 |
| GEICO | $220 | $242 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Erie
Teens pay the highest car insurance rates by driver age, on average. Drivers younger than 20 have a fatal crash rate three times higher than that of drivers 20 and older.[9] Insurers offset the risk associated with insuring teen drivers by charging higher monthly premiums.
Young drivers can save money on insurance by joining their parents’ insurance policy, opting for a safer vehicle, and qualifying for good student discounts. Car insurance for teen drivers in Yonkers averages $499 per month for full coverage and $349 for liability only. The table below shows the cheapest car insurance companies for teen drivers in Yonkers.
The below rates are estimated rates current as of: Sunday, February 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Erie | $334 | $374 |
| USAA | $350 | $392 |
| Travelers | $459 | $514 |
| State Farm | $501 | $560 |
| GEICO | $520 | $572 |
| Allstate | $539 | $603 |
| Nationwide | $541 | $606 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find the Cheapest Car Insurance in Yonkers, NY
Insurify partners with 120+ insurers for real-time quotes
Excellent
4.7 out of 5 based on 11,553 reviews
Secure. Free. Easy-to-use.
Yonkers car insurance quotes by credit tier
New York law allows car insurance companies to consider your credit history when determining your car insurance rate. Drivers with poor credit scores typically pay significantly higher average insurance rates than drivers with excellent or good credit scores.
The table below shows the average monthly quotes for drivers in Yonkers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Yonkers?
Yes, car insurance is more expensive in Yonkers than other New York cities like Rochester and Syracuse. The average rates in Yonkers are also higher than the state and national averages. However, Yonkers drivers generally see lower rates than other New York metro area cities like Manhattan and Staten Island.
More cities in New York
Car insurance rates vary by city within New York, with the highest rates found in New York City boroughs. The table below shows average car insurance costs in different New York cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Buffalo | $201 | $171 |
| New York | $225 | $216 |
| Rochester | $145 | $111 |
| Staten Island | $215 | $189 |
| Syracuse | $168 | $115 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Yonkers car insurance FAQs
You should decide how much coverage you need before you start shopping around for the most affordable coverage for you. The information below should help you navigate the process of buying car insurance in Yonkers, New York.
How much is car insurance in Yonkers?
Car insurance rates in Yonkers average $310 per month for full-coverage policies and $217 monthly for minimum coverage. That's higher than the state and national averages for both types of coverage. In New York, average rates are $175 for full coverage and $155 for liability only. Nationally, the averages are $174 and $99, respectively.
You may find rates that are higher or lower than the average in your area, depending on your personal rating factors and whether you comparison shop to find the best rates.
What are the best car insurance companies in Yonkers?
CSAA, Nationwide and Safeco are the three best insurers for Yonkers drivers. All three have solid AM Best financial strength ratings and respectable Insurify Quality (IQ) Scores. With its IQ score of 9.0, Nationwide leads the trio in terms of quality, but it may not be the cheapest option for every driver. It's a good idea to compare quotes from multiple insurers, including these three, to find the best rate for your coverage needs.
What is the cheapest car insurance company in Yonkers?
Erie has the cheapest car insurance quotes for Yonkers drivers, with minimum-coverage policies starting at $192 per month. USAA and Travelers are also affordable options in Yonkers, with liability-only rates as low as $200 and $233, respectively.
What factors affect the cost of car insurance in Yonkers, NY?
Compared to most cities in the U.S., Yonkers has a relatively high population density of around 11,750 people per square mile. Having a higher population density can mean more people on the roads, which increases the risk level of accidents and other property damage. Car insurance costs vary by ZIP code based on factors like crime rates, road infrastructure, and more.
Which borough has the most expensive car insurance?
Staten Island has the most expensive car insurance of the five boroughs, according to Insurify data. Full coverage averages $215 per month, while liability policies average $189 per month.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheap Car Insurance Quotes in New York Starting at $120
February 4, 2026
)
Best Insurance for Antique and Classic Cars in New York
February 3, 2026
)
Best Car Insurance in New York
February 3, 2026
)
Rideshare Insurance in New York
February 4, 2026
)
Temporary Car Insurance in New York
February 4, 2026
)
Car Insurance Requirements in New York
February 4, 2026
)
Car Insurance for High-Risk Drivers in New York
February 4, 2026
)
Gap Insurance in New York
February 4, 2026
)
Cheap Car Insurance in New York, NY, Starting at $119
February 3, 2026
)
Best Cheap Car Insurance in the Bronx, NY, From $216
February 4, 2026
)
Cheap Car Insurance in Utica, NY, Starting at $145
February 4, 2026
)
Best Cheap Car Insurance Quotes in Staten Island, NY, From $152
February 4, 2026
)
Best Cheap Car Insurance in Syracuse, NY, From $77
February 4, 2026
)
Cheap Car Insurance in Schenectady, NY, From $120
February 4, 2026
)
Cheap Car Insurance in Rochester, NY, Starting at $69
February 4, 2026
)
Cheap Car Insurance in Long Island City, NY, Starting at $165
February 4, 2026
)
)
Sources
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
- NOLO. "New York No-Fault Car Insurance."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- New York State Department of Financial Services. "Shopping for Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- New York State Department of Motor Vehicles. "Standard driving records (abstracts)."
- New York State Department of Motor Vehicles. "About the New York State Driver Point System."
- Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
)
A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
A.M. has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.