Yonkers, NY Car Insurance

On average, Yonkers drivers pay a monthly average rate of around $230 for their car insurance. To learn more about what you're likely to pay in the Yonkers area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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What rates can residents of Yonkers expect to pay for their car insurance? Compared to their surrounding area, how do rates in Yonkers stack up? What about against the rest of New York? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Yonkers?

Area Average Monthly Car Insurance Premium
Yonkers$230
NY$199
United States$81

Coverage for your vehicle in Yonkers will typically run you about $31 a month more than in the rest of New York.

If you're considering relocating to Yonkers from out of state, you may want to budget a little extra for your insurance. It's about $149 more for coverage in Yonkers than in the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Yonkers, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Yonkers so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$366
25-34$192
35-44$186
45-54Not Enough Data
55-64$207
65+$182

Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay $184 more than drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates start to rise again in Yonkers.

Average Car Insurance Rates by Gender

Gender Average
Male$227
Female$236

Although women typically pay less than men do for auto insurance, this is not the case in Yonkers, where female drivers pay around $236 per month while male drivers pay about $227.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$247
Multiple Accidents$258
1 Ticket$244
Multiple Tickets$309

Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Yonkers, having a single accident on your record will usually get you rates around $247 a month. Similarly, drivers with one ticket will typically pay around $244 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$200
2-3 Years$222
4-5 Years$263
6-7 Years$212
8-10 Years$242
11-14 Years$247
15 Years or Older$220

In Yonkers, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $220 per month for insurance coverage.

Car owners will see a monthly rate of about $227, while SUV owners by and large pay around $238 per month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Yonkers are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$240
Married$161
Divorced$153
Widowed$116

Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

The cost of auto insurance in Yonkers reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $79 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$203
Rent$243
Live with parents$133

Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $40 a month more than if you own your own home in Yonkers. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Yonkers, NY

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

In Yonkers, car insurance rates rose from 2017-2020, when they hit a high of $240. This pattern changed in 2021, when they began to decrease, and have continued moving in that direction through the present -- when policy premiums reached a low of $133 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 where you park your car. These factors include things like:

  • Regional crime rates
  • Amount of drivers
  • Road safety
  • Community laws
  • Availability of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Yonkers?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Yonkers.


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Yonkers Insurance FAQs

What factors affect car insurance quotes in Yonkers?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Yonkers different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Yonkers or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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