Average car insurance cost in Yonkers, New York

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At $3,955 per year, Yonkers drivers pay $1,359 more than the state average and $1,377 more than the national average for full coverage car insurance.

Progressive holds the lowest average rate at $1,715, while your own premium comes down to your age, driving record, and coverage level.

Here’s how Yonkers’s average rate compares to state and national averages:

How much car insurance do you need in Yonkers?

Most drivers in Yonkers need at least liability coverage, but full coverage offers stronger financial protection because it pays for your own car, not just the other driver’s.

Liability only covers damage you cause to others, if your car gets damaged in an accident, stolen, or hit by a falling tree, you’re paying out of pocket without full coverage. Here’s what each coverage level costs per year and what it includes:

• State minimum coverage: $1,850 per year – Limits of $25,000 bodily injury per person, $50,000 total bodily injury per accident, $25,000 property damage. The lowest coverage level allowed by law.
• Liability only coverage: $2,084 per year – Limits of $50,000 bodily injury per person, $100,000 total bodily injury per accident, $50,000 property damage. Pays for others’ injuries and property damage when you’re at fault but doesn’t cover your own vehicle.
• Full coverage: $3,955 per year – Limits of $100,000 bodily injury per person, $300,000 total bodily injury per accident, $100,000 property damage. Combines liability with collision and comprehensive, so your own car is covered too.

What are the cheapest car insurance companies in Yonkers?

Progressive offers the cheapest full coverage car insurance in Yonkers, averaging $1,715 per year, while GEICO has the second-cheapest premium, averaging $3,234 per year. Rates are based on limits of $100,000 bodily injury per person, $300,000 per accident, and $100,000 property damage.

Rates differ by company because each insurer calculates risk differently. Comparing quotes from multiple providers is the best way to find a rate that fits your budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Yonkers.

Do men or women pay more for car insurance in Yonkers?

In Yonkers, male drivers pay $3,873 per year for full coverage car insurance – $164 less than female drivers, who average $4,037 per year.

Most states permit insurers to price policies by gender. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania are exceptions that ban the practice.

Data from the Insurance Information Institute (Triple-I), a nonprofit that researches insurance trends, shows women drive more cautiously and cause fewer serious accidents than men. That risk gap is why insurers charge men more.

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How does age affect car insurance rates in Yonkers?

Teen drivers pay the most for car insurance in Yonkers, averaging $11,251 per year, or $938 per month. Rates drop as drivers gain experience – young adults ages 20 to 24 average $5,463 per year, adults 25 to 55 average $3,846 per year, and seniors 60 to 75 average $3,965 per year.

According to Insurance Institute for Highway Safety (IIHS), teen drivers — between the ages of 16 to 19 — have crash rates over 3 times those of drivers 20 and older per mile driven. Insurers factor this risk in, pushing teen car insurance rates higher.

As drivers get older and gain experience, premiums typically go down. Young adults ages 20 to 24 pay $5,463 per year – 51% what teen drivers pay.

Below is a breakdown of average annual full coverage car insurance rates by age group.

How have car insurance rates changed in Yonkers?

Since 2023 to 2025, Yonkers premiums have gone upward, moving by 27%, or $844.

A rising premium is worth a second look. When renewal season comes around, shop around to find a rate that fits your budget.

The graph below tracks insurance costs from 2022 to 2025, showing the long-term trend behind today’s rates.

Methodology

Insure.com commissioned car insurance rates in 2026 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 65,756,440 auto insurance quotes collected in 2025 across 51 states, 29,159 cities and 34,595 zip codes. Quotes came from 195 insurance companies across 73 company groups, giving a national average annual premium of $2,578.

Each quote reflects a 40-year-old male and female driver with a Honda Accord LX, no violations and a good insurance score, driving 10,000 miles a year with a 12-mile daily commute. Coverage includes:

• 100/300/100 liability limits (up to $100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage)
• $500 deductible for collision and comprehensive

The quoted insurance rates are for comparison purposes, and your rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.