In Yonkers, Kemper provides the cheapest car insurance with annual rates of $590 for minimum coverage and $1,137 for full coverage. NYCM, Progressive and GEICO also offer competitive rates in the Empire State's fourth-largest city.
Car Insurance in Yonkers
Updated: August 7, 2025
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Key Takeaways
Yonkers' cheapest car insurance companies are Kemper, Progressive and NYCM, with rates up to 47% lower than the city average.
Monthly car insurance costs in Yonkers average $174 for full coverage and $92 for minimum coverage.
To find the best cheap auto insurance in Yonkers, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Yonkers?
| Kemper | $49 | $95 | -47% |
| Progressive | $57 | $100 | -42% |
| NYCM | $51 | $117 | -38% |
| GEICO | $80 | $159 | -12% |
| American Family | $81 | $160 | -11% |
Cheapest Yonkers Car Insurance by Category
Progressive offers the lowest rates in four Yonkers driver categories, including those with accidents and DUIs. Kemper wins for adult and senior drivers, while NYCM leads for young drivers and Erie Insurance for those with bad credit.
| Young Drivers | NYCM | $81 |
| Adult Drivers | Kemper | $49 |
| Senior Drivers | Kemper | $69 |
| Drivers With an Accident | Progressive | $57 |
| Drivers With a DUI | Progressive | $60 |
| Drivers With a Speeding Ticket | Progressive | $59 |
| Drivers With Bad Credit | Erie Insurance | $104 |
| Drivers With Newer Cars | Kemper | $46 |
| Drivers With Old Cars | Progressive | $38 |
Compare the Cheapest Yonkers Car Insurance for You
Your insurance rates depend on personal factors like your age, driving record and credit score. Check the table below to find the cheapest insurance company for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Kemper | $49 | $590 | -51% |
| NYCM Insurance | $51 | $613 | -50% |
| Progressive | $57 | $684 | -44% |
| Geico | $80 | $961 | -21% |
| American Family | $81 | $970 | -20% |
Best Car Insurance Companies in Yonkers
In Yonkers, the leading car insurance companies are Progressive, NYCM, American Family and GEICO. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 97 | 2 | 4 | 1 |
| NYCM | 92 | 3 | 9 | 6 |
| American Family | 87 | 5 | 6 | 7 |
| GEICO | 87 | 4 | 8 | 7 |
| Erie Insurance | 86 | 7 | 1 | 2 |
Progressive: Best Overall
pros
Top-rated customer service experience
Extensive coverage selections available
Multiple driver discounts offered
cons
Higher rates for some driver categories
Limited local office locations
COMPANY HIGHLIGHTS
Progressive ranks first in Yonkers for its comprehensive coverage options and strong customer satisfaction ratings. The company offers rates well below the Yonkers average for both minimum and full coverage policies. Progressive particularly excels in claims handling and digital tools, making insurance management easier for customers. The company is the most affordable option for drivers with accidents, speeding tickets, and older cars.
NYCM: Best Value for Young Drivers
pros
Local New York expertise
Strong customer service ratings
Multiple discount programs
cons
Limited coverage add-ons
Fewer digital tools available
COMPANY HIGHLIGHTS
NYCM stands out as the second-best provider in Yonkers, offering excellent value especially for young drivers. The company combines competitive rates with strong customer service, earning high marks for claims satisfaction. As a regional provider, NYCM brings deep knowledge of New York insurance needs and local regulations. Their rates consistently fall below the Yonkers average, though coverage options are more limited than some national carriers.
How Much Is Car Insurance in Yonkers?
In Yonkers, minimum coverage costs $92 per month or $1,101 per year, ranking 1,509th out of all New York cities for affordability. Full coverage averages $174 monthly or $2,085 annually, ranking 1,505th among New York cities.
| Full Coverage | $174 | $2,085 |
| Minimum Coverage | $92 | $1,101 |
Yonkers Car Insurance Cost by Category
In Yonkers, monthly coverage costs vary from $66 to $398 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $206 | $398 |
| Adult Drivers | $92 | $174 |
| Senior Drivers | $125 | $232 |
| Drivers With an Accident | $106 | $201 |
| Drivers With a DUI | $137 | $260 |
| Drivers With a Speeding Ticket | $104 | $197 |
| Drivers With Bad Credit | $144 | $300 |
| Drivers With Newer Cars | $86 | $162 |
| Drivers With Old Cars | $66 | $124 |
Yonkers Car Insurance Costs by ZIP Code
In Yonkers, car insurance rates by ZIP code range from $69 to $225 per month. ZIP code 10704 is the most expensive, while 10708 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:10701
| 10701 | $81 | $156 |
Compare Personalized Yonkers Car Insurance Costs
Since your profile may combine several rate factors, use the table below to find average Yonkers car insurance rates that match your age and driving history.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $81 | $972 | 58% |
How to Get the Best Cheap Yonkers Car Insurance
Finding affordable car insurance in Yonkers isn't easy, with local rates well above the national average and complex coverage requirements to navigate. Our step-by-step guide will show you proven ways to lower your premiums while maintaining the right protection for your needs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your Yonkers commute. Consider your car's value, your savings, and local traffic conditions. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific situation.
- 2
Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options that might save you money. If you drive infrequently, look into pay-per-mile coverage. Don't own a car? A non-owner's policy could be your best choice.
- 3
Know what others pay
Research average vehicle insurance costs in Yonkers to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Local factors like traffic density and crime rates affect these averages, so focus on Yonkers-specific data.
- 4
Stack your savings with discounts
Maximize your savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, defensive driving courses, and good student discounts if applicable.
- 5
Check company ratings and reviews
Research insurance providers' reputations specifically in Yonkers. Look for companies with strong financial ratings and positive customer reviews about claims handling.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Each company weighs risk factors differently, so comparing multiple quotes helps ensure you find the best rate.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new quotes. Insurance needs change as your car ages and your life circumstances shift. Regular reviews help ensure you maintain appropriate coverage at the best possible rate.
Cheapest Car Insurance in Yonkers: Bottom Line
Car insurance rates in Yonkers depend on your driving record, vehicle and credit score. Kemper and Progressive offer the most affordable average premiums in the city, but compare quotes from multiple providers to find your best rate.
Cheap Yonkers Car Insurance: FAQ
Our research team answers your questions about finding affordable car insurance in Yonkers. Get straightforward guidance on coverage options that fit your budget.
What is the cheapest car insurance company in Yonkers, New York?
Kemper offers the lowest rates in Yonkers, with average annual premiums of $590 for minimum coverage and $1,137 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Yonkers?
Progressive leads Yonkers' car insurance providers with a MoneyGeek score of 97 out of 100, scoring 5 points higher than NYCM. Progressive excels in both affordable rates and quality service.
What is the average cost of car insurance in Yonkers?
In Yonkers, drivers pay $2,085 annually for full coverage and $1,101 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Yonkers expensive?
Car insurance in Yonkers costs more than average, ranking 1509th for minimum coverage affordability and 1505th for full coverage compared to other New York cities.
How We Chose the Best and Cheapest Car Insurance in Yonkers, NY
To help Yonkers drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the New York State Department of Financial Services and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in New York to tailor options as closely as possible to you.
Yonkers Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Yonkers
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in New York are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed August 7, 2025.