Cheap Auto Insurance Quotes in Yonkers, NY (January 2022)

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Last Updated: January 2022

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.
GEICOState FarmProgressiveLiberty Mutual

Cheapest Car Insurance in Yonkers, NY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies 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.

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.

Driving History
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.

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.

Find local Yonkers agents

DeCesare Agency Inc. 
914 McLean Ave Suite 2, Yonkers, NY 10704
CSAN Insurance Agency, LLC 
9 Ascot Rd, Yonkers, NY 10710
Romano Insurance Agency Inc. 
137 Yonkers Ave, Yonkers, NY 10701-6198
Seville & Co LLC 
90 Amherst Dr, Yonkers, NY 10710-2310
AAA Northeast Insurance Agency Inc 
2359 Central Park Ave, Yonkers, NY 10710-1215
The Yonkers Agency, Inc. 
132 Tuckahoe Rd, Yonkers, NY 10710-5599
D C Ranieri Insurance Agency, Inc 
457 Palmer Rd, Yonkers, NY 10701-5255
'Acrisure - Goodhart Nat''l Gorman Agency, Inc '
598 Tuckahoe Rd, Yonkers, NY 10710-5713
Leonard Friedman Agency / JU-LI Associates Ltd. 
442 S Broadway, Yonkers, NY 10705-2339
The Wasiczko Agency Inc. 
9 Lockwood Ave, Yonkers, NY 10701-5503

Insurify Insights: How Yonkers Drivers Measure Up

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

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.

Accidents in Yonkers

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.

  • Rank within state: #16
  • Percent of drivers in Yonkers with an accident: 9.17%
  • Drivers in Yonkers, NY with an accident in their driving history paid on average -96.63% more than drivers with a clean record

Speeding in Yonkers

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.

  • Rank within state: #15
  • Percent of drivers in Yonkers with a speeding ticket: 6.08%
  • Drivers in Yonkers, NY with a speeding ticket in their driving history paid on average -95.22% more than drivers with a clean record

DUI/DWIs in Yonkers

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.

  • Rank within state: #8
  • Percent of drivers in Yonkers with a DUI: 1.79%
  • Drivers in Yonkers, NY with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude in Yonkers

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.

  • Rank within state: #9
  • Percent of drivers in Yonkers with a reckless driving violation: 1.79%
  • Drivers in Yonkers, NY with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Yonkers

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.

  • Rank within state: #8
  • Percent of drivers in Yonkers with clean record: 84.55%

Failure to Yield the Right of Way in Yonkers

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.

  • Rank within state: #9
  • Percent of drivers in Yonkers with a failure to yield violation: 0.3%
  • Drivers in Yonkers, NY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Yonkers

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.

  • Rank within state: #12
  • Percent of drivers in Yonkers with a reckless driving offense: --%

Most Popular Vehicle in Yonkers

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.

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.

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.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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