Cheap Auto Insurance in Yonkers, New York (2025)

Living in Yonkers gives you easy access to the vibrant culture, business scene, and cuisine of New York City, and the natural wonders of New York's Hudson Valley. But it also means you face higher car insurance rates than drivers in other parts of the Empire State.

Car insurance in Yonkers costs, on average, $297 per month for full coverage and $280 for liability-only coverage. That's significantly higher than the New York state averages of $191 (full coverage) and $182 (liability only), and the national averages of $184 and $104, respectively.

With five major highways cutting through Yonkers, traffic congestion and an increased risk of accidents are major drivers of the city's higher car insurance rates. Here’s what you need to know about finding the cheapest car insurance in Yonkers.

Best car insurance companies in Yonkers

The best car insurance company for you depends on your specific driving needs, as well as your driving record, age, and financial situation. The table below outlines some of the best car insurance options in Yonkers and highlights the drivers best suited for the different companies.

Best insurer for cheap rates: CSAA

Best insurer for teen drivers: Liberty Mutual

Best insurer for safe drivers: Safeco

How to get the cheapest car insurance in Yonkers

Drivers in Yonkers deal with above-average insurance costs, so it’s worth looking into any strategy that can help you save. The following tips can help you earn lower rates:

• Raise your deductible. Your deductible is the amount you pay out of pocket after a claim. Higher deductibles generally mean lower monthly car insurance rates.

• Buy a safe car. Cars with advanced safety features and strong safety records often come with lower average car insurance rates.

• Look into discounts. Most car insurance companies offer numerous discounts, including lower prices for drivers who buy homeowners and car insurance from the same insurer.

• Shop around and compare. Receiving and comparing online quotes from at least three different car insurance companies is a great way to find the lowest rate.9

Cheapest liability-only car insurance in Yonkers: Liberty Mutual

If you cause an accident, your liability insurance covers the costs of the other driver’s resulting vehicle repairs and medical bills. It doesn’t cover your own repairs and medical expenses, which is why liability-only policies tend to cost less than full-coverage policies.3

Here are the cheapest car insurance companies in Yonkers for liability-only auto insurance.

Cheapest full-coverage car insurance in Yonkers: CSAA

Full-coverage car insurance is a more robust policy that includes liability, collision, and comprehensive coverage. These additional coverages pay for your car repair costs in the event of a collision or non-collision event, including damage from fire, theft, or severe weather.

These robust policies work best for drivers of high-value, new, or financed vehicles. If you have an auto loan or finance your vehicle, your lender or dealership may require you to purchase this coverage.

Full-coverage insurance typically costs more than liability-only insurance. Here are the cheapest full-coverage options in Yonkers.

Car insurance requirements in New York

New York drivers must carry auto insurance that meets the state liability requirements in order to drive legally in the state. New York is a no-fault state, which means your car insurance company will cover your medical bills and other losses after an accident.

In addition to liability coverage, drivers in the state need to purchase a minimum amount of personal injury protection (PIP) coverage. This can cover the costs of medical expenses and other economic losses following an accident for drivers and their passengers.4

This table outlines New York’s minimum liability insurance requirements:

If you want additional protection for your vehicle, you should consider purchasing the following optional coverages:

Cheapest car insurance for drivers with an incident

Receiving traffic violations will typically increase your car insurance rates. Common violations include speeding tickets, driving-under-the-influence charges, and at-fault accidents. Car insurance companies typically see you as riskier to insure if you have these incidents on your record. To offset these risks, insurers charge you higher premiums.5

How much your car insurance rates increase in Yonkers depends on the severity and frequency of your incidents. In New York, accidents stay on your record for three years, violations that lead to license suspension stay on your record for four years, and DUIs stay on your record for up to 15 years.6

Cheapest car insurance for drivers with a speeding ticket: Liberty Mutual

New York uses a point system for traffic violations. If you receive 11 points during an 18-month period, you may face license suspension. Drivers who speed can earn up to 11 points depending on how significantly they exceed the speed limit.7

Receiving a speeding ticket will likely lead to higher rates. On average, Yonkers drivers with speeding tickets see car insurance rates in the range of $398 per month for full coverage and $375 for liability-only coverage. The following table shows how a speeding ticket affects liability rates from some top insurers in Yonkers.

Cheapest car insurance for drivers with an at-fault accident: Liberty Mutual

Drivers in Yonkers with an accident on their record pay more for car insurance on average than drivers with a clean record. An accident will stay on your record in New York for three years. How much your premium increases will also depend on the severity of the accident and the size of the claims payout. If you have multiple accidents, your insurer might not renew your policy.

The average cost of car insurance in Yonkers rises to $400 per month for liability-only policies and $425 for full coverage when drivers have an at-fault accident on their records. Here's how an at-fault accident affects liability rates from top insurers in Yonkers.

Cheapest car insurance for drivers with a DUI: Liberty Mutual

A DUI is one of the most severe traffic violations you can receive, and it will stay on your record for 15 years in New York. Your car insurance rates will increase significantly, and your car insurance company may even decide not to renew your policy.

Yonkers drivers with DUI convictions face average monthly car insurance rates of $463 for full coverage and $436 for liability-only policies. If you’re looking for new insurance after a DUI, the following car insurance companies offer the lowest rates to Yonkers drivers with DUIs.

Cheapest car insurance for seniors: Liberty Mutual

Your age can have a big effect on your auto insurance rates. Due to years of experience on the road, drivers typically see their rates decrease steadily between the ages of 35 and 70. Premiums tend to increase a bit again for drivers around the age of 75 to account for aging-related risk factors.

On average, car insurance for Yonkers seniors costs $213 monthly for full coverage and $201 for liability only. The following companies offer the most affordable monthly rates for senior drivers in Yonkers.

Cheapest car insurance for teens: Liberty Mutual

Teens pay the highest car insurance rates by driver age, on average. Drivers younger than 20 have a fatal crash rate three times higher than that of drivers 20 and older.8 Insurers offset the risk associated with insuring teen drivers by charging higher monthly premiums.

Young drivers can save money on insurance by joining their parents’ insurance policy, opting for a safer vehicle, and qualifying for good student discounts. Car insurance for teen drivers in Yonkers averages $497 per month for full coverage and $468 for liability only. The table below shows the cheapest car insurance companies for teen drivers in Yonkers.

Yonkers car insurance quotes by credit tier

New York law allows car insurance companies to consider your credit history when determining your car insurance rate. Drivers with poor credit scores typically pay significantly higher average insurance rates than drivers with excellent or good credit scores.

The table below shows the average monthly quotes for drivers in Yonkers by credit tier.

Is car insurance more expensive in Yonkers?

Yes, car insurance is more expensive in Yonkers than other New York cities like Rochester and Syracuse. The average rates in Yonkers are also higher than the state and national averages. However, Yonkers drivers generally see lower rates than other New York metro area cities like Manhattan and Staten Island.

More cities in New York

Car insurance rates vary by city within New York, with the highest rates found in New York City boroughs. The table below shows average car insurance costs in different New York cities.