Full coverage car insurance costs in Yonkers average $226 per month. Rates range from $236 to $5,088, depending on the policy and driver details. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Yonkers, NY, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Yonkers: Key Takeaways
Kemper, Chubb and Progressive are Yonkers' most affordable car insurance companies.
Kemper is the cheapest provider, charging $51 per month for minimum coverage and $91 for full coverage.
On average, car insurance costs are $125 monthly for minimum coverage and $226 for full coverage.
Car Insurance Quotes in Yonkers, NY
| Young Drivers | $149 | $273 |
| Teens | No Data | $469 |
| Seniors | $133 | $236 |
| Drivers With an Accident | $138 | $250 |
| Drivers With a Speeding Ticket | $140 | $256 |
| Drivers With a DUI | $191 | $350 |
| Bad Credit | $3,075 | $5,088 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Yonkers vs. State Average
New York
State Average Full Coverage Rate
$2,154
Yonkers, NY
City Average Full Coverage Rate
$2,715Yonkers Car Insurance is Costly:$561 more
This is 26% more expensive.
What Is the Average Car Insurance Rate in Yonkers?
Yonkers' average annual cost of full coverage car insurance is $2,715, and minimum coverage averages $1,500. These rates are higher than the state averages of $2,154 and $1,199, respectively.
| State Average | $1,199 | $2,154 |
| Yonkers Average | $1,500 | $2,715 |
Cheapest Car Insurance Companies in Yonkers
While premiums rise across New York, Yonkers residents can still find affordable car insurance. Kemper offers the cheapest minimum coverage at $51 per month and full coverage at $91.
WHY CAR INSURANCE IN YONKERS IS EXPENSIVE
Car insurance is expensive in Yonkers due to heavy traffic and a higher chance of accidents. The city ranks high among New York State cities for insurance costs. Across the state, many uninsured drivers, frequent personal injury lawsuits and insurance fraud drive up costs.
Cheap Car Insurance in Yonkers
Kemper often offers the cheapest car insurance in Yonkers, but the best rates vary by driver. To find affordable coverage, compare quotes from different insurers. The table below highlights the lowest rates for different driver profiles.
| Kemper | Minimum Coverage | $51 |
| Kemper | Full Coverage | $91 |
| Kemper | Teens | $299 |
| Kemper | Young Adults | $90 |
| Kemper | Seniors | $71 |
| Chubb | Bad Credit | $183 |
| Progressive | Drivers With a DUI | $91 |
| Progressive | Drivers With an Accident | $87 |
| Progressive | Drivers With a Speeding Ticket | $90 |
Car Insurance Rates in Yonkers by Company
To find the best deal, compare prices from different insurers. Below, we detail Yonkers' most affordable minimum and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Yonkers
Kemper offers the cheapest minimum coverage auto insurance in Yonkers at $51 per month, followed by Progressive at $66. The table below breaks down the affordable options.
| Kemper | $51 | $74 |
| Progressive | $66 | $59 |
| American Family | $93 | $32 |
| Allstate | $96 | $29 |
| Chubb | $98 | $27 |
| GEICO | $107 | $18 |
| Erie | $111 | $14 |
Cheapest Car Insurance Companies for Full Coverage in Yonkers
Kemper offers the most affordable full coverage car insurance in Yonkers at $91 per month. Below is the full list of providers and their rates.
| Kemper | $91 | $135 |
| Progressive | $107 | $120 |
| Allstate | $176 | $50 |
| American Family | $179 | $47 |
| Erie | $195 | $31 |
| Chubb | $202 | $24 |
| GEICO | $210 | $16 |
Car Insurance Companies in Yonkers
Kemper offers the most affordable car insurance in Yonkers at $849 annually. Chubb is the best-rated provider, with a MoneyGeek score of 91 out of 100. Check the table below for more options.
| Chubb | 91 | $1,800 |
| Erie | 81 | $1,836 |
| American Family | 79 | $1,632 |
| Mercury | 68 | $2,815 |
| State Farm | 66 | $2,297 |
| Progressive | 62 | $1,039 |
| GEICO | 59 | $1,904 |
| Allstate | 58 | $1,632 |
| Hanover | 57 | $4,922 |
| Travelers | 57 | $2,459 |
| Kemper | 55 | $849 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Yonkers by Age
Drivers in their early 20s pay Yonkers' lowest car insurance rates, averaging $2,111 per year for 22-year-olds and $2,064 for 24-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,914 | $-1,645 |
| 17 | $3,839 | $-1,570 |
| 18 | $3,281 | $-1,012 |
| 19 | $2,865 | $-596 |
| 20 | $2,891 | $-622 |
| 21 | $2,360 | $-91 |
| 22 | $2,111 | $158 |
| 23 | $2,169 | $101 |
| 24 | $2,064 | $206 |
| 25 | $3,275 | $-964 |
| 40 | $2,715 | $-404 |
| 65 | $2,830 | $-519 |
Cheapest Car Insurance for Teens in Yonkers
Kemper offers the cheapest overall car insurance for teens in Yonkers at $108 per month, saving $182 monthly compared to the state average. The table below breaks down more affordable providers for this age group.
| Kemper | $108 | $182 | $299 |
| Progressive | $207 | $83 | $308 |
| Allstate | $236 | $54 | $440 |
| GEICO | $239 | $50 | $674 |
| State Farm | $470 | $-180 | $473 |
| Travelers | $477 | $-188 | $617 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Yonkers
Kemper offers the lowest monthly rates for young drivers in Yonkers: $62 for minimum coverage and $118 for full coverage. The table below compares low-cost options across different driver profiles.
| Kemper | Minimum Coverage | $62 |
| Kemper | Full Coverage | $118 |
| Kemper | Bad Credit | $227 |
| Progressive | Drivers With a DUI | $99 |
| Progressive | Drivers With an Accident | $94 |
| Progressive | Drivers With a Speeding Ticket | $98 |
Cheapest Car Insurance Companies for Young Drivers in Yonkers
Kemper offers the most affordable auto insurance for young drivers in Yonkers at $90 per month. The table below shows other companies with competitive rates.
| Kemper | $90 | $121 |
| Progressive | $94 | $117 |
| Allstate | $141 | $70 |
| American Family | $176 | $35 |
| GEICO | $181 | $30 |
| Erie | $195 | $16 |
| Chubb | $197 | $13 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Yonkers
Kemper, Chubb and Progressive are the most affordable car insurance providers for seniors in Yonkers, but rates vary based on driving history and credit score. Below is a table showing the cheapest providers for different driver and coverage profiles.
| Kemper | Minimum Coverage | $52 |
| Kemper | Full Coverage | $90 |
| Chubb | Bad Credit | $154 |
| Progressive | Drivers With a DUI | $94 |
| Progressive | Drivers With an Accident | $88 |
| Kemper | Drivers With a Speeding Ticket | $87 |
Cheapest Car Insurance for Seniors in Yonkers
Kemper offers the cheapest monthly premium for seniors at $71 for minimum and full coverage policies. Progressive follows at $88. The table below shows the top car insurance providers for seniors in Yonkers.
| Kemper | $71 | $114 |
| Progressive | $88 | $97 |
| Chubb | $126 | $58 |
| Erie | $147 | $38 |
| American Family | $149 | $36 |
| Allstate | $150 | $34 |
| State Farm | $172 | $13 |
| GEICO | $179 | $5 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Yonkers
High-risk drivers in Yonkers face higher minimum and full coverage rates than the state averages. Drivers with bad credit and DUIs typically pay the most for car insurance. Accidents and speeding tickets have a smaller effect on rates.
| Yonkers Average | $1,878 | $3,428 |
| State Average | $1,481 | $2,689 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers in Yonkers usually consider minor driving incidents, like not-at-fault accidents or speeding tickets, for about three to five years. The look-back period can extend up to 10 years for severe infractions, such as DUI.
Cheapest Auto Insurance Rates With a DUI in Yonkers
Progressive offers the cheapest car insurance rates for drivers with a DUI in Yonkers: $837 annually for minimum coverage and $1,343 for full coverage. Check out the table below for more low-cost options.
| Progressive | $70 | $112 |
| Kemper | $75 | $135 |
| American Family | $116 | $229 |
| Allstate | $124 | $248 |
| State Farm | $159 | $264 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Yonkers
Progressive, Kemper and Allstate offer the cheapest auto insurance after an at-fault accident in Yonkers. The table below shows various providers offering affordable coverage.
| Progressive | $66 | $107 |
| Kemper | $76 | $132 |
| Allstate | $97 | $178 |
| Chubb | $103 | $214 |
| Erie | $111 | $195 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Yonkers
Kemper is the cheapest car insurance provider for drivers with speeding tickets in Yonkers, charging around $64 monthly for minimum coverage. Progressive is the most affordable for full coverage at $111. Check the table below to see how much other providers charge drivers with speeding tickets.
| Kemper | $64 | $117 |
| Progressive | $69 | $111 |
| American Family | $95 | $186 |
| Chubb | $110 | $228 |
| Allstate | $112 | $218 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Yonkers
Chubb and Kemper offer the most affordable rates for drivers with bad credit in Yonkers: $119 and $130 per month, respectively. See the table below for other affordable options.
| Chubb | $119 | $248 |
| Kemper | $130 | $245 |
| Allstate | $170 | $313 |
| GEICO | $180 | $350 |
| Erie | $289 | $486 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Yonkers, NY
New York mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $50,000 personal injury protection (PIP) per person
- $50,000 in death liability per person
- $100,000 in death liability per accident
For example, if you're in an accident, your minimum coverage helps pay for injuries and damages, ensuring you're not left paying entirely out of pocket.
Cheap Car Insurance in Yonkers: Bottom Line
Kemper offers the cheapest car insurance in Yonkers, with minimum coverage at $51 and full coverage at $91. Affordable plans are available regardless of age or credit. Ensure your policy includes New York’s required coverages: bodily injury, property damage, uninsured motorist and personal injury protection. Compare providers to find budget-friendly coverage that meets state requirements.
Yonkers Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Yonkers.
What is the cheapest car insurance company in Yonkers, NY?
Kemper offers the cheapest car insurance in Yonkers, New York. Rates start at $51 per month, saving up to $74 monthly.
What is the best car insurance company in Yonkers, NY?
Chubb is the best car insurance provider in Yonkers, New York, with a MoneyGeek score of 91 out of 100. The annual premium for minimum coverage is $1,800.
How much does car insurance cost on average in Yonkers, NY?
The average monthly cost of minimum coverage car insurance in Yonkers, New York, ranges from $133 to $3,075.
Best Cheap Car Insurance in Yonkers: Our Methodology
MoneyGeek analyzed Yonkers auto insurance prices using data from the New York State Department of Financial Services and Quadrant Information Services.
Yonkers Driver Profile
To assess auto insurance options for Yonkers residents, MoneyGeek used a sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
MoneyGeek also varied factors like age and driving records to identify top insurers for different drivers.
Coverage Levels in Yonkers
In assessing the car insurance quotes for Yonkers, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to New York's minimum coverage requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $50,000 personal injury protection (PIP) per person
- $50,000 in death liability per person
- $100,000 in death liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
Insurers were scored on a scale of zero to 100, considering customer satisfaction, affordability, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To evaluate rates and service experiences among Yonkers providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Yonkers
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Yonkers for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.