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The average car insurance cost in Yonkers, New York is $2,847 per year, according to data. This is $827 more than the average auto insurance cost in New York and $1165 more than the national average, as analyzed by

Average cost in YonkersAverage cost in New YorkNational average cost

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Yonkers, the average car insurance rates by age, gender and how much is car insurance in Yonkers based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Yonkers. Read on to learn more.

Key Takeaways

  • The average car insurance cost in Yonkers, New York is $2,847 per year.
  • Progressive offers the cheapest car insurance in Yonkers, at an average of $1,129 per year.
  • Young adults pay $4,727 per year for car insurance in Yonkers.

Cheap car insurance companies in Yonkers

Progressive offers the cheapest car insurance in Yonkers, at an average of $1,129 per year with full coverage limits of 100/300/100.

The second cheapest company in Yonkers is American Family, offering car insurance rates at $1,745 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Yonkers before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Yonkers, New York:

Company NameAverage annual costAverage monthly cost
American Family$1,745$145
Erie Insurance$2,228$186
State Farm$2,683$224
Kemper Insurance$4,686$391
Mercury Insurance$6,230$519

Read about the best car insurance companies.

Average car insurance cost in Yonkers by coverage limits

In Yonkers, the average car insurance rates based on coverage types are as follows:

  • State minimum coverage: $1,211 per year (limits are 25/50/25)
  • Liability only coverage: $1,320 per year (limits are 50/100/50)
  • Full coverage: $2,847 per year (limits are 100/300/100)
  • Non-owners coverage: $855 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Yonkers

The average car insurance rate for a female driver in Yonkers, New York, is $2,986 per year.

The rate for a male driver is $2,847 per year, which is $139 less than what female drivers pay, according to a rate analysis by

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Yonkers

In Yonkers, car insurance rates are the highest for teens, at $8,943 per year or $745 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $4,727 per year for their car insurance which is $4216 less than what the teens pay for their insurance policy.

The car insurance rates in Yonkers for adult and senior drivers are $2,920 and $3,041 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Age groupAverage annual rates
Teens (16- to 19-year-olds)$8,943
Young adults (20- to 24-year-olds)$4,727
Adults (25- to 55-year-olds)$2,920
Seniors (60- to 75-year-olds)$3,041

If we look at the car insurance rate trends in Yonkers, New York, it was on an upward swing from 2016 to 2019. From 2019 to 2022, the rates increased overall by 4%, or $110.

The table below shows the trend for three years:

2016 rates2019 rates2022 rates


In conclusion, the insurance rates in Yonkers, are higher than the average insurance cost in New York. Shopping around and taking advantage of available discounts, drivers in Yonkers can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Frequently asked questions

What factors influence car insurance rates in Yonkers?

Insurance companies take into account various factors, including age, the coverage limits chosen, location and your driving record, to determine your premiums. 

How does the length of one’s commute influence car insurance rates in Yonkers?

The length of one’s commute can significantly influence car insurance rates in Yonkers. Generally, longer commutes increase the likelihood of being involved in an accident due to more time spent on the road. It can lead to higher premiums as insurers assess the increased risk. Conversely, shorter commutes typically result in lower insurance costs, as the reduced driving time decreases the chances of accidents and claims. Therefore, when applying for car insurance, the details of your daily commute can impact your rates.

What impact does vehicle type have on insurance premiums in Yonkers?

Generally, more expensive cars, such as luxury and sports cars, carry higher insurance costs due to the greater expense of repairing or replacing them. Conversely, more modest, safety-rated vehicles often have lower insurance rates. Insurers also consider factors like the car’s theft rate, safety features, and crash test scores. 


Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

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

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Prachi Singh
Contributing Researcher


Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.