Cheapest and Best Car Insurance Companies in Yonkers, NY

Your driving record and auto insurance preferences determine the cheapest insurer for your needs. You can find the most affordable minimum and full coverage policies with Kemper. The company also has the lowest rates for teens and veterans. Chubb is the best for drivers with at-fault accidents and tickets, whereas American Family is the best after a DUI. Chubb is the best overall, providing a balance of customer service and affordability and ranks at the top for customer service.

In Yonkers, the cheapest auto insurance policies come from the following companies:

• Kemper: $465 per year
• Progressive: $665 per year

Hanover has the priciest minimum coverage policy, costing an average of $3,159 per year. Kemper is also the most affordable auto insurance company in New York, at about $518 yearly. Yonkers’ average premium is lower than the state rate, indicating how premiums can vary based on where you live.

If you purchase a liability-only policy in Yonkers, it will have bodily injury, property damage, death, uninsured motorist and personal injury protection with the following limits:

• $25,000 in bodily injury liability protection per person
• $50,000 in bodily injury liability protection per accident
• $50,000 liability protection per person for death
• $100,000 liability per accident for death
• $10,000 in property damage liability per accident
• $25,000 uninsured motorist coverage per person for bodily injury, up to $50,000 per accident
• $50,000 personal injury protection

After an at-fault accident, your policy will cover injury, damage and death costs not exceeding these limits. For instance, you will only get up to $50,000 for personal injury, and if your bill exceeds this amount, you must shoulder the rest.

Our analysis determined the following companies offer the cheapest full coverage auto insurance in Yonkers:

• Kemper: $793 per year
• Progressive: $1,089 per year

Out of the 11 insurers we reviewed, Hanover has the highest premium for a full coverage policy, averaging $5,265 per year. Kemper has the most affordable full coverage insurance in New York, charging $882 per year. The least expensive insurer in New York is also the cheapest in the city, but average rates vary. That means your actual costs can change based on your location.

A full coverage policy includes comprehensive and collision coverage in addition to liability insurance.

• Collision Insurance: Covers damages to your vehicle after colliding with another car or object.
• Comprehensive Insurance: Covers the cost resulting from theft or damage from harsh weather, vandalism and other non-collision events.

A full coverage policy is suitable for newer cars because it helps protect your new asset. However, it may not be cost-effective for older vehicles since the cost may exceed your car’s worth.

After a driving offense, the following companies offer the lowest premiums for a full-coverage auto insurance policy in Yonkers:

• Speeding ticket: Kemper ($983 per year)
• At-fault accident: Progressive ($1,089 per year)
• DUI: Kemper ($1,138 per year)

The highest premiums are from Mercury and Hanover, as follows:

• Speeding ticket: Mercury ($5,340 per year)
• At-fault accident: Hanover ($5,265 per year)
• DUI: Hanover ($6,961 per year)

Car insurance costs tend to spike after a traffic violation. In most situations, rates from the most affordable insurer will still be higher than the safe driving rates.

With a clean driving record, you will pay an average of $2,296 per year for auto insurance in Yonkers. After a driving offense, this rate will increase depending on the violation’s severity. In Yonkers, drivers with a DUI on their record pay about $3,501 per year, $1,205 more than a safe driver. Meanwhile, you will pay only $294 more with a speeding ticket. You can still find cheap car insurance after a traffic violation by comparing quotes from providers.

If you intend to add a teen driver to your family policy, the cheapest companies in Yonkers for full coverage are:

• Kemper: $1,389 per year for female teens; $1,436 per year for male teens
• Progressive: $2,443 per year for female teens; $2,717 and male teens

Travelers is the highest-priced provider, with an average yearly rate of $6,215 for female teens and $7,536 for male teens. Most companies charge male teens higher premiums because they are riskier to insure. However, the rate variation tapers off as drivers become young adults.

Adding teen drivers to a family plan is much more cost-effective than purchasing separate policies. The average cost of adding a teen to a family policy in Kemper is $4,262. Getting a separate policy for your teenager will cost $7,621. That is a difference of $3,358 or 44%. You can also find the cheapest auto insurance for teens by reviewing quotes from multiple providers.

If you are an active military member or veteran, you can get the cheapest full coverage auto insurance for yourself and family members from these companies:

• Kemper: $793 per year
• Progressive: $1,089 per year

USAA also offers affordable auto insurance for military personnel at about $1,493. The insurer has policies and coverage options customized to the needs of military personnel. If you need a minimum coverage policy, Kemper and Progressive have the lowest rates, at $465 and $665 per year, respectively.

You can spend 15 minutes or longer getting an online insurance quote, given the amount of personal information you need to provide. Repeating the same process for different insurers can result in spending hours online. With MoneyGeek’s car insurance calculator, you can quickly obtain an estimate just by providing your age, driving history, car make and model and coverage level.

To determine the top auto insurance provider for your needs, assess your cost, service and coverage needs. Our ranking system indicates that the following company stands out for different categories in Yonkers:

• Best overall: Chubb (MoneyGeek score 80 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: Chubb (MoneyGeek score 81 out of 100)

MoneyGeek's ratings for an insurer may vary based on each category's weightings. The best car insurance carrier in New York is Erie, with an overall MoneyGeek score of 81 out of 100. However, Chubb is the best in Yonkers, illustrating how location can affect rates. USAA is the best overall if you have a military background, with a score of 80 out of 100.

We considered options that balance customer service and affordability to find the best auto insurance in Yonkers. Our top selections are:

• Chubb: MoneyGeek score 80 out of 100 ($2,160 per year)
• Erie: MoneyGeek score 78 out of 100 ($1,539 per year)

Chubb offers the best claims experience and service out of the 11 insurance companies we reviewed in Yonkers. With a MoneyGeek score of 80 out of 100, USAA also offers outstanding coverage for those with a military background.

We excluded affordability in our weighting when determining the best insurers in Yonkers for customer service. The top options for a full coverage policy are:

• Chubb: MoneyGeek score 76 out of 100 ($2,160 per year)
• Erie: MoneyGeek score 70 out of 100 ($1,539 per year)

Chubb is our top pick because it earned the highest customer service and claims handling scores. However, this insurer is one of the priciest in Yonkers, so you will pay more for quality service.

The best car insurance providers in Yonkers for policies that meet the New York state minimum requirements are:

• Chubb: MoneyGeek score 81 out of 100 ($1,056 per year)
• Erie: MoneyGeek score 78 out of 100 ($847 per year)

Drivers who choose a minimum coverage policy pay the lowest premiums. However, minimum coverage provides the least liability protection and does not cover damages to your car if you get into an accident.

Car insurance in Yonkers costs about $2,142 per year. That’s $114 more than the average cost of auto insurance in New York. Our analysis also shows that, on average, Yonkers’ auto insurance policies cost $877 more than the national average of $1,265 per year as of October 2022.

The quotes in this study apply to a full coverage policy with $100,000 bodily injury liability protection per person, $300,000 per accident and a property damage liability of $100,000.