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How much is car insurance in Yonkers?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of New York are about $33 a month cheaper than the rates drivers pay in Yonkers.
Likewise, the expected monthly payments for an auto insurance policy in Yonkers are above the national average. It's around $151 more expensive to insure your vehicle in Yonkers compared to the average rate for the rest of the U.S.
While these are the average car insurance rates for Yonkers, keep in mind that you could end up paying a different amount. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Yonkers residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may rise again in Yonkers.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance, Yonkers actually defies this trend. While female drivers pay $236 per month for car insurance coverage, males only pay about $227.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay less than those with infractions. In Yonkers, having a single accident on your record will usually get you rates around $247 a month. In addition, drivers with one ticket can expect to pay around $244 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$200|
|15 Years or Older||$222|
According to the first table above, the cheapest vehicles to insure in Yonkers are typically cars, at $228 per month.
SUV owners, on the other hand, usually pay around $236 a month, while truck and van drivers can expect to pay about $232 per month to insure their vehicle.
Your vehicle's age can also affect your monthly bill. Overall, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Yonkers, for example, are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$239|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Yonkers follows that pattern, with the difference totaling to around $73 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Yonkers, expect to pay around $40 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Yonkers, NY
Recent trends in car insurance for Yonkers drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The rates for auto insurance in Yonkers had been decreasing from 2016-2017, when they hit a low of $133. This leveled out in 2018, when insurance rates started to rise. They reached a high of $240 in 2020, and finished down in 2021, at $202 a month.
How does Yonkers compare to neighboring areas?
Why are car insurance rates in Yonkers different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. Many factors affecting your policy are based around your home address. These factors include things like:
- Road safety
- Number of drivers in the area
- Community laws
- Crime rates
- Off-street parking access
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Yonkers?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Yonkers.
Yonkers Insurance FAQs
What factors affect car insurance quotes in Yonkers?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Yonkers different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Yonkers?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Yonkers?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Yonkers or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.