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With all the pedestrians, cyclists, and other vehicles to watch out for, drivers here know that following the rules of the road is crucial to staying accident-free. What else is important for keeping you and your family protected? Having an affordable auto insurance plan in place.
The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Yonkers, NY to find you the cheapest quotes in the area.
Here are the cheapest carriers in Yonkers for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 GEICO | $128/mo |
 State Farm | $174/mo |
 Progressive | $201/mo |
 Liberty Mutual | $268/mo |
| Best Companies | ||
|---|---|---|
 American Family | $337/mo | |
Liberty Mutual | $449/mo | |
 Travelers | $243/mo |
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The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:
Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.
The minimum property damage liablilty insurance requirements in New York are:
Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.
New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.
What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:
Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.
Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.
Even the most hardworking teenagers in Yonkers will have a hard time paying $864 per month and still keeping good grades. In Yonkers, car insurance prices go down as drivers add more decades behind the wheel. Twentysomethings get a $400 price break with a few more years of driving experience. Prices continue to go down. Everyone 30 and older pays less than the state average of $349. People in their 60s get the best deal at a rate that’s more than $600 less than the youngest drivers.
| Driver's Age | |
|---|---|
| teens | $864 |
| 20s | $424 |
| 30s | $308 |
| 40s | $279 |
| 50s | $230 |
| 60s | $223 |
| 70s | $368 |
| 80s | $296 |
| Driving History | |
|---|---|
| No Violation | $323 |
| Speeding Ticket | $277 |
| At-Fault Accident | $331 |
| Failure to Stop for Red Light / Stop Sign | $265 |
New Yorkers know that safe driving is smart driving. The brain and wallet agree because people with clean records get the best deals from insurance companies and qualify for “good driver” and “accident-free” discounts. If the safest drivers get the price breaks, why do those with a speeding ticket or failure to stop pay less? Often, drivers with violations buy stripped-down policies to afford them in the first place—for example, skipping comprehensive and collision coverage and settling for liability only. But drivers with violations or accidents don’t have to worry for long; three years of careful driving will qualify them for the lowest prices once again.
Like most states in the U.S., the Empire State lets insurance companies factor in credit when setting rates. Many Yonkers residents miss the connection between driving and credit, but the companies point to the data to tell the story. Generally, those with better credit pay less, but why do people with average credit pay less than those with good credit? Those with better credit can often afford to finance costlier cars and need higher levels of coverage to protect their assets. That said, moving from poor credit to good credit saves $40 per month, or $480 per year.
| Credit Tie | |
|---|---|
| Excellent | $234 |
| Good | $354 |
| Average | $338 |
| Poor | $396 |
In Yonkers and have a question about car registration? The New York Department of Motor Vehicles can take care of nearly all your registration, titling, and licensing needs. While the closest DMV location is at 1 Larkin Plaza, you can make it easier on yourself by doing many things online. According to the state’s DMV website, registering your vehicle takes less than five minutes. And the site carefully instructs you as to what items you need. Having trouble online or would rather speak to someone in person? The Yonkers location is open Monday through Friday from 8 a.m. to 6 p.m.
Residents of Yonkers can rest easy if they are without a car or just prefer not to drive. There are plenty of public transportation options open to them, including the Metro-North Railroad and the Bee-Line Bus System that take residents to every destination available within the city limits and beyond. Don’t want to wait in line for the next bus or can’t catch a cab? On-demand services like Uber and Lyft stop here, too.
While having good auto insurance coverage in New York is important, shopping insurance companies one data point at a time is a grind.
Is the scratch piece of paper you’ve been using to compare rates company after company really all that accurate? Using Insurify takes the guesswork out of comparing coverages and gets you the coverage you need quickly—all at a price you can afford.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Yonkers drivers measure up to their fellow New York motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Yonkers drivers rank 16 in the number of car accidents per driver across all cities in New York.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Yonkers drivers rank 15 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Yonkers drivers rank 8 in the number of DUI’s per driver across all cities in New York.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, Yonkers drivers rank 9 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Yonkers drivers rank 8 in clean driving records across all cities in New York.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Yonkers drivers rank 9 in failure to yield violations per driver across all cities in New York.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, Yonkers drivers rank 12 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Yonkers is the Honda Accord.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
