Yonkers, NY Car Insurance

Car insurance rates are more expensive than average in Yonkers. If you're looking for savings, check out our guide and learn how to save.

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What's the average cost of car insurance in Yonkers?

 

The typical Yonkers driver pays $2,373 per year for car insurance. That's more than the average in New York ($1,704) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Yonkers.

 
AUTO INSURANCE: YONKERS RATES VS. STATE + NATIONAL AVERAGES
Yonkers Average (annual)New York AverageUnited States Average
$2,373$1,704$1,548
 
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Yonkers car insurance costs by company

 

The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Yonkers's most affordable premiums. We've gathered the best cheap car insurance companies in Yonkers below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
YONKERS CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
GEICO$2,231
Allstate$2,372
Progressive$2,405
NYCM Insurance$2,497
State Farm$2,614
 

Read our guide to finding the best cheap auto insurance.

 
 

 

Car insurance rates by age bracket in Yonkers

The age group that enjoys the lowest auto insurance rates in Yonkers are drivers in their 50s, who pay an average of $2,232 per year. Rates for Yonkers drivers in their age 60s are also relatively affordable, at just $2,301 per year.

The Yonkers drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Yonkers is to celebrate your 20th birthday. In Yonkers, teenage drivers pay $7,500 — a full $5,199 more than the second-most expensive rate paid by an age group.

 
YONKERS AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Yearly Rate
Teens$7,500
20s$3,133
30s$2,359
40s$2,323
50s$2,232
60s$2,301
70s$2,643
 

Learn more about how age influences auto insurance rates.

 
 

 

Yonkers auto insurance premiums by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Yonkers pay $78 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Yonkers, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. In Yonkers, female drivers pay $99 per year more than do male drivers for car insurance.

 
YONKERS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Yearly Rate
Female$2,472
Male$2,373
Single$2,295
Married$2,295
Divorced$2,367
Widowed$2,367
 

Learn more about how gender and marital status have on car insurance rates.

 
 

 

Yonkers car insurance costs by accident and citation history

 

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Yonkers drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $1,283 per year versus the city average. A ticket for speeding results in a $557 rate hike, on average, while a DUI violation costs $1,508 per year in insurance premiums.

 
YONKERS CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DUI/DWI$3,881
Reckless Driving$3,656
At-fault Accident (damages less than $1,000)$2,451
At-fault Accident (damages greater than $2,000)$3,245
Speeding Ticket (16-20 mph over speed limit)$2,929
 

Learn more about citations' impact on your auto insurance rates.

 
 

 

Yonkers auto insurance rates by credit score

 

An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Yonkers, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 67% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Yonkers, improving your credit to "Fair" corresponds with a $3,177 decrease in annual car insurance rates.

 
YONKERS CAR INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Annual Rate
Very Poor$6,074
Fair$2,897
Good$2,373
Very Good$2,184
Exceptional$2,019
 

Get additional information on how credit impacts car insurance costs.

 

Compare car insurance rates today!

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.