Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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.

Yonkers Average (annual) New York Average United States Average
$2,373 $1,704 $1,548
Skip to rates by:


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.

Insurance Company Average 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.

Age Average 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.

Marital Status/Gender Average 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.

Incident/Violation Average 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.

Credit Level Average 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!

Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.