Cheapest Car Insurance in Yonkers (2026)

Kemper provides Yonkers' most affordable full coverage at $95 monthly, while also offering the city's cheapest minimum coverage at $49 per month or $590 annually. These rates reflect an adult driver with a clean driving record. Your age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

Across New York, drivers spend $99 monthly for full coverage, but Yonkers residents pay $174. Minimum coverage shows a similar gap at $92 compared to the state's $51 average. Yonkers's dense traffic creates more frequent accidents, while higher vehicle theft rates in the area push premiums well above statewide norms. 

Local coverage requirements also contribute to the increased costs. Since rates vary widely between insurers, comparing quotes helps Yonkers drivers find more affordable coverage despite the city's challenging insurance market.

Read More: The cheapest car insurance in New York

The difference in car insurance costs by age is clear in Yonkers. Young drivers pay an average of $282 per month across the five largest insurers, compared to $126 for adult drivers and $173 for seniors. Insurers charge higher rates for drivers under 25 due to limited driving experience and higher accident rates compared to older age groups.

Cheapest Yonkers car insurance by age:

• Young drivers: NYCM at $199 per month
• Adult drivers: Kemper at $95 per month
• Senior drivers: Kemper at $123 per month

Once drivers establish experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers in Yonkers pay higher car insurance rates than any other age group, though NYCM offers one of the lower full coverage options at $199 per month or $2,385 per year. Insurers price younger drivers higher because those ages 16 to 25 have less driving experience and are involved in accidents more often than older drivers. 

On average, young drivers pay $282 per month compared to $126 for adults, putting youth rates at more than twice the cost of experienced drivers.

In Yonkers, young drivers save about $142 per month by choosing NYCM instead of Erie Insurance, which averages $341 monthly. Adding a young driver to a family policy often costs less than a separate policy, though rates usually begin to ease after age 25.

Note: Teen drivers may be subject to additional state-specific requirements and restrictions. Check with your insurance provider for details on applicable regulations.

Yonkers seniors enjoy competitive insurance rates thanks to their clean driving records and decades of experience, with Kemper offering the most affordable full coverage at $123 monthly or $1,481 annually. While drivers 65 and older often benefit from their proven track record, some insurers may adjust rates slightly for those over 70 due to reaction time concerns. 

Across the five most affordable options, Yonkers seniors average $173 monthly, which is just $47 above the $126 that younger adults pay.

Shopping around pays off since choosing Kemper over Erie Insurance at $230 monthly saves $107 each month. Seniors can unlock even more savings through defensive driving courses or low-mileage discounts for driving under 7,500 miles annually.

Adults between 26 and 64 enjoy the most competitive car insurance rates in Yonkers, with Kemper leading at $95 monthly or $1,137 annually for full coverage. This age group benefits from years of driving experience combined with statistically lower accident rates than both younger and older drivers. 

Across Yonkers's five most affordable insurers, adults average $126 monthly, the lowest of any age category. Comparing rates pays off for Yonkers adults, who save $65 monthly by choosing Kemper over American Family's $160 rate. Maintaining clean driving records and bundling policies can push premiums even lower.

If you've got violations on your record, expect your insurance costs to jump in Yonkers. Progressive leads with the most affordable rates for both speeding tickets at $59 monthly and DUIs at $60 monthly, while Kemper offers clean-record drivers the cheapest minimum liability at $49 monthly.

The numbers across the five most affordable insurers show the real impact—average rates climb from $64 with clean records to $74 for speeding tickets, $76 for at-fault accidents, and $90 for DUIs.

At-fault accidents push premiums higher because you've proven you can cause actual property damage or injuries, making insurers see you as a bigger financial risk. DUIs create the largest increases since they combine dangerous behavior with serious legal trouble, putting you in insurers' highest-risk category and usually requiring SR-22 paperwork for license reinstatement.

Yonkers’ lowest car insurance rates appear in ZIP code 10708 at $69 per month, while ZIP code 10704 has the highest average at $225 monthly. You can check your own ZIP code in the table below.

In the city’s most populated areas, minimum coverage averages $156 per month in 10701, $223 in 10703 and $159 in 10705. Variations across ZIP codes reflect local factors such as accident frequency, theft activity, population density and uninsured drivers. 

Use the table filter to find your ZIP code and review the average cost for your area.

Yonkers drivers can lower their premiums without sacrificing adequate coverage by comparing quotes and understanding available discounts.

Want to find affordable coverage in Yonkers? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that works for your budget.

Yonkers drivers pay some of New York's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Yonkers's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.