Cheap Auto Insurance Quotes in Yonkers, NY (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Though not everyone drives in New York, about 75 percent of those living in Yonkers get behind the wheel. More drivers equals more accidents. That’s why having a solid auto insurance plan here should be on every driver’s to-do list.

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.

Car Insurance in Yonkers, NY

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.

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Cheapest Car Insurance in Yonkers, NY

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.

Best Car Insurance in Yonkers, NY

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Yonkers. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Yonkers, NY Driving Facts

Minimum Car Insurance Requirements in NY

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:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

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: 

  • $10,000 property damage liability per accident

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.

  • $50,000 personal injury protection (PIP) per person per accident

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:

  • $25,000 uninsured/underinsured motorist bodily per person
  • $50,000 uninsured/underinsured motorist bodily per accident

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.

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Yonkers Car Insurance Rates by Driver Age

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 AgeAvg. Monthly Cost
teens$864
20s$424
30s$308
40s$279
50s$230
60s$223
70s$368
80s$296
Driving HistoryAvg. Monthly Cost
No Violation$323
Speeding Ticket$277
At-Fault Accident$331
Failure to Stop for Red Light / Stop Sign$265

Yonkers Car Insurance Rates by Driving and Accident History

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.

Yonkers Car Insurance Rates by Credit Tier

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 TieAvg. Monthly Cost
Excellent$234
Good$354
Average$338
Poor$396

Yonkers, NY DMV Information

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.

Public Transportation in Yonkers, NY

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.

Conclusion: How to get the best and cheapest car insurance in Yonkers, NY

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Yonkers stacks up for the state of New York:

honda
Honda Accord
Most Popular Car in
Yonkers, NY
suspended licenses
#27
Cities with Most
Suspended Licenses Rank

FAQs - Yonkers, NY Car Insurance

How does a deductible work?

A deductible is the amount of money you have to pay before the insurance company will kick in their part when you make a claim. You agree to the deductible when you buy an insurance policy. Let’s say you have a fender bender and have to fix your front end. To get the insurance money, you’ll have to make a claim with your insurance company and pay the deductible before they pay their share. Deductibles vary but typically are $500 to $1,000. The higher the deductible, the lower your monthly premium, and vice versa.

Will I lose my driver’s license for speeding in New York?

If the police catch you speeding in New York, you will earn points against your license, depending on how fast you were going. While going 1–10 mph over the speed limit will get you three points, you can get as much as 11 points for exceeding the speed limit by 40 mph. If you get 11 points worth of traffic convictions (not limited to speeding) in an 18-month period, your driver’s license may be suspended.

Where can I text and drive in New York?

It’s illegal to use any portable electronic device (including cell phones and navigational equipment) anywhere in New York while you are driving. Not only can you be fined up to $500 for this type of violation, but the state can add five points to your driving record. Those with a learner’s permit can have their license suspended for 120 days, even if it’s their first offense. New York has designated Texting Zone locations along the New York State Thruway and state highways that make it easier for drivers to get off the road to use their devices.