Many different factors go into determining car insurance quotes, including your location. Different companies also evaluate personal factors differently. Therefore, to find the best car insurance in Yonkers, you will have to compare personalized quotes based on your specific needs.
Compare the Cheapest Car Insurance Quotes in Yonkers, NY
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Average Cost of Car Insurance in Yonkers
Yonkers$2,588
New York$3,433
U.S.$1,424
Yonkers’ average car insurance rate is much higher than the national average and somewhat lower than the average state annual premium. Typically, a Yonkers driver pays $2,588 per year, which is 81.7% higher than the $1,424 average annual premium in the United States. However, that rate is 24.6% less than the New York state average of $3,433.
Compare Car Insurance Rates in Yonkers
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Cheap Car Insurance Companies in Yonkers
When looking for the best car insurance, most drivers consider the cost. Based on average annual premiums, Allstate offers the most affordable car insurance in Yonkers. Allstate policyholders in the city typically pay $1,373 per year, which is $1,215 less than the city average. The annual premium for a similar policy from the most expensive company in the city, The General, is more than four times as expensive. Following Allstate in the top five cheapest carriers are Erie, USAA, GEICO and State Farm.
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- CompanyAmountper year
- 1. Allstate$1,373
- 2. Erie$1,373
- 3. USAA$1,467
- 4. GEICO$1,791
- 5. State Farm$1,871
Personalized Quotes to Get You the Cheapest Car Insurance in Yonkers
Car insurance companies in Yonkers consider many variables to evaluate a driver’s risks and come up with appropriate quotes. These may include a driver’s age, driving record, credit score, vehicle type, miles driven per year and marital status. Compare car insurance quotes to find out if you are qualified for savings, incentives and rewards.
Compare Car Insurance Rates in Yonkers
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Yonkers by Coverage Amount
How much car insurance coverage you purchase in Yonkers also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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New York Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$50,000 per person.
- Other$50,000 liability for death per person. $100,000 liability for death per accident.
Finding cheap car insurance is important, but you should also consider the coverage level. Car insurance quotes in Yonkers reflect a policy’s limitations and level of coverage. For some Yonkers residents, getting the state’s minimum liability coverage may be enough. Those who want additional protection can choose a 50/100/50 liability-only or full-coverage policy, which allows a driver to claim up to $50,000 for bodily injuries per person, $100,000 per accident and $50,000 for property damage. If the difference between these options is nominal, it may be worth the expense to get full coverage.
The cheapest option for state minimum liability is from Allstate at roughly $768 per year. The company’s average annual premium for 50/100/50 liability-only is $839, while full coverage at 50/100/50 levels costs around $1,278.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. Allstate$768$839
- 2. Erie$780$881
- 3. USAA$795$849
- 4. GEICO$1,019$1,138
- 5. State Farm$1,200$1,341
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. Allstate$1,278$1,373
- 2. Erie$1,276$1,373
- 3. USAA$1,374$1,467
- 4. GEICO$1,622$1,791
- 5. State Farm$1,761$1,871
Compare Car Insurance Rates in Yonkers
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Yonkers if You Have Tickets
Having a clean driving record will help you get cheap car insurance in Yonkers. For example, a driver with no violations can get an auto insurance policy from Allstate with an average annual premium of $1,373. A speeding ticket will increase that rate by about $312. Meanwhile, a DUI adds an average of $551.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. Allstate$1,685$1,693$1,924
- 2. Erie$1,553$1,943$2,334
- 3. USAA$1,591$1,832$2,411
- 4. State Farm$2,064$2,257$2,064
- 5. Progressive$2,402$3,071$2,299
Average Cost of Car Insurance by Postal Code
Average car insurance rates in Yonkers are also affected by theft rates, accident rates and uninsured motorists, which can all vary by neighborhood. For instance, the average annual premium in ZIP code 10701 is $2,579, which is $18 cheaper than typical premiums in the 10705 area.
- Zip CodeState Minimumper year
- 10701$2,579
- 10705$2,597
Insurance Providers That Serve Yonkers
Factors That Impact Insurance Costs in Yonkers
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Yonkers. How Yonkers ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Yonkers could save you $1,215, which is enough to buy:
405Cups of Coffee
93Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Yonkers are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Yonkers
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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