Best Cheap Auto Insurance in Yonkers, New York (2024)

Yonkers drivers pay 49% more for car insurance than the overall national average.

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • 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.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated February 26, 2024 at 11:00 AM PST

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Drivers in Yonkers, New York, pay an average of $270 per month for car insurance, which is slightly higher than New York’s state average of $258 per month. Travelers, Safeco, and Erie Insurance offer the lowest insurance rates in the city.

Being the gateway between New York’s Hudson Valley and the New York City area, Yonkers attracts many drivers. Five major highways cut through the city, which increases traffic congestion and local insurance rates.

Here’s what you need to know about finding the cheapest car insurance in Yonkers.

Quick Facts
  • On average, Yonkers drivers pay $242 per month for liability-only coverage and $298 per month for full-coverage insurance.

  • 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]

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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.

Best insurer for cheap rates: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$403/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.
$594/mo

In business for more than 165 years, Travelers sells auto, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new-car replacement coverage, and more. 

Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, and earning good grades. Travelers has fewer complaints than expected with the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index. The company also has an AM Best financial strength rating of A++ (Superior).

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of online negative customer reviews with the Better Business Bureau (BBB)

Superior customer service.

Susan - November 25, 2023
Verified

They are the best.

David - November 15, 2023
Verified

I have no tickets and no accidents, yet my premiums keep going up every year.

Deborah - October 26, 2023
Verified
Read our Travelers review

Best insurer for teen drivers: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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.
$84/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.
$186/mo

Nationwide is one of the country’s largest insurers. The company sells insurance products for car, homeowners, life, and umbrella insurance. In addition to liability, collision, and comprehensive coverage, Nationwide provides optional add-ons like towing and labor, rental car, and gap insurance. The company also offers accident forgiveness and a vanishing deductible that lowers your deductible for each year you drive safely. 

Nationwide has an AM Best financial strength rating of A+ (Superior) but a higher-than-expected number of customer complaints on the NAIC Consumer Complaint Index.

Pros
  • Numerous available discounts

  • 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

I am happy with Nationwide.

James - November 5, 2023
Verified

They were there for me when I needed them.

shane - October 30, 2023
Verified

After 50+ years with NW, I don’t feel there is personalized contact.

Paula - October 4, 2023
Verified
Read our Nationwide review

Best insurer for drivers with a DUI: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$237/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.
$354/mo

Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in business since 1923, and it provides new-vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving opportunities include accident forgiveness, diminishing deductible, and cash back programs.

The company has an average amount of complaints on the NAIC Consumer Complaint Index. AM Best gave Safeco a financial strength rating of A (Excellent). 

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

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

Cheapest liability-only car insurance in Yonkers

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.[3]

Here are the cheapest car insurance companies in Yonkers for liability-only auto insurance.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
CSAA229
Safeco237
Liberty Mutual338
Midvale Home & Auto340
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
CSAA330
Safeco354
Midvale Home & Auto455
Liberty Mutual466
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.[4]

This table outlines New York’s minimum liability insurance requirements:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This insurance policy covers the repair costs to your own vehicle after an accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision event — such as fire, theft, or severe weather — causes damage to your vehicle, comprehensive coverage kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.[5]

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.[6]

Find Car Insurance after an Incident in Yonkers

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Cheapest car insurance for drivers with a speeding ticket

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.[7]

Receiving a speeding ticket will likely lead to higher rates. Here are the cheapest car insurance options for Yonkers drivers with a speeding ticket on their record.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
CSAA391272
Safeco438293
Liberty Mutual574417
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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.

Here are the cheapest car insurance companies in Yonkers for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
CSAA412286
Safeco462309
Liberty Mutual595432
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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.

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: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
CSAA474329
Safeco509341
Liberty Mutual670486
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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.

The following companies offer the most affordable monthly rates for senior drivers in Yonkers.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Safeco251168
Liberty Mutual284206
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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.[8] 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. The table below shows the cheapest car insurance companies for teen drivers in Yonkers.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
CSAA553383
Safeco637427
Liberty Mutual796577
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.[9]

Find the Cheapest Car Insurance in Yonkers, NY

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Yonkers car insurance quotes by credit tier

New York law allows car insurance companies to consider your credit score 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?

Yonkers drivers pay $270 per month for car insurance, which is 94% more expensive than the overall national average of $139 per month. Statewide, drivers in New York pay above-average car insurance rates at $258 per month. The cheapest car insurance in New York can be found outside of the New York City area.

Still, Yonkers has higher rates than some other cities in the state, such as Schenectady and Syracuse. Local crime rates, population density, and property values influence price variations by ZIP code.

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 how the cost of full-coverage insurance in different New York cities compares to the average rate of $298 per month in Yonkers.

CityAverage Monthly QuoteCompared to Yonkers
Albany$154-48%
Bronx$36422%
Brooklyn$37426%
Buffalo$234-21%
Jamaica$33512%
New York$33011%
Schenectady$176-41%
Staten Island$3145%
Syracuse$198-34%
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.

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?

    The overall cost of car insurance in Yonkers is $270 per month. Drivers pay, on average, $242 per month for liability coverage and $298 for full-coverage insurance. Your specific premium will depend on your driving record, chosen coverage, vehicle type, and more.

  • What are the best car insurance companies in Yonkers?

    With an Insurify Quality (IQ) Score of 4.2 out of 5 and an AM Best financial strength rating of A++ (Superior), Travelers is the best car insurance company in Yonkers. Other top insurers include Safeco, Erie, and Nationwide.

  • 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?

    Brooklyn has the most expensive full-coverage car insurance of all five New York City boroughs, according to Insurify data. On average, Brooklyn drivers pay $374 per month for full-coverage insurance.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed August 14, 2023
  2. NOLO. "New York No-Fault Car Insurance." Accessed August 14, 2023
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed August 14, 2023
  4. New York State Department of Financial Services. "Shopping for Auto Insurance." Accessed August 14, 2023
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed August 14, 2023
  6. New York State Department of Motor Vehicles. "Standard driving records (abstracts)." Accessed August 14, 2023
  7. New York State Department of Motor Vehicles. "About the New York State Driver Point System." Accessed August 14, 2023
  8. Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts." Accessed August 14, 2023
  9. Insurance Information Institute. "How to save money on car insurance." Accessed August 14, 2023
A.M. Steinbach
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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

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Compare Car Insurance Quotes Instantly

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