Buy Cheap Yonkers, NY Auto Insurance

The cheapest Yonkers, NY auto insurance rates are offered by GEICO, although rates will vary by drivers. Car insurance in Yonkers, NY must meet the state minimum requirements of 25/50/10 in liability, $50,000 in personal injury protection, and 25/50 uninsured/underinsured motorist coverage. Compare Yonkers, NY auto insurance quotes online to find the right coverage for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 15, 2021

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A Concise Overview

  • GEICO has the cheapest auto insurance in Yonkers, NY
  • Yonkers is just outside of New York City and shares traffic and high auto insurance rates
  • Yonkers, NY auto insurance rates are higher than the state and national averages

Yonkers, NY auto insurance is very expensive. In fact, it’s higher than the already above-average New York auto insurance rates.

However, you can still find affordable Yonkers, NY auto insurance rates by comparing quotes. Shop around to find the cheapest car insurance for you.

To compare Yonkers, NY auto insurance quotes for free, enter your ZIP code above.

What is the cheapest auto insurance company in Yonkers, NY?

GEICO offers the cheapest auto insurance in Yonkers on average. However, each driver’s rates will be different based on individual factors.

These are the top-rated Yonkers, NY auto insurance providers listed from least to most expensive:

  • GEICO – $3,808.00
  • USAA – $5,612.25
  • Allstate – $5,698.33
  • Progressive – $5,757.55
  • Nationwide – $5,896.50
  • State Farm – $6,181.89
  • Travelers – $6,570.60
  • Liberty Mutual – $8,904.00

Auto insurance rates in Yonkers are determined by many different factors, such as age, gender, marital status, driving record, and credit history.

Your location also affects your auto insurance rates. Drivers in cities with higher traffic and crime rates will pay more. For example, car insurance in New York City is slightly higher than rates in Yonkers.

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What auto insurance coverage is required in Yonkers, NY?

Most states, including New York, require drivers to carry at least a minimum amount of auto insurance.

The required auto insurance for drivers in Yonkers, NY is:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $50,000 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

New York is a no-fault insurance state, meaning your insurance pays for your own injuries and damages, no matter who caused the accident.

Drivers may consider increasing their limits since the minimum auto insurance is not very much. If you are in a serious accident, those limits will be exhausted quickly, leaving you responsible for what isn’t covered.

What affects auto insurance rates in Yonkers, NY?

Traffic and auto theft also affect your car insurance rates.

Although INRIX doesn’t have specific data for Yonkers, it does rank nearby New York City as the fourth most congested city in the U.S. and the 14th most congested city in the world.

In fact, City-Data reports that drivers in Yonkers spend an average of 35 minutes commuting, but a high number of drivers spend an hour or more sitting in traffic each day.

Although the FBI shows only 182 auto thefts in Yonkers in one year, New York City 5,735. A high number of thefts close by can increase auto insurance rates.

Yonkers, NY Auto Insurance: The Bottom Line

Auto insurance in Yonkers, NY is very expensive, even more so than the state average. Before you buy Yonkers, NY auto insurance, shop around to find the best coverage at the cheapest price.

Enter your ZIP code now to compare Yonkers, NY auto insurance quotes from local companies.

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