Yonkers Car Insurance

The Zebra
May 30, 2018

Car Insurance in Yonkers

Premiums in Yonkers are $636 higher than New York's average, which is why the city is recognized for its expensive premiums, so it is especially vital to cut costs while insuring a vehicle in Yonkers. Let’s go over some tips on how to save on car insurance in Yonkers.

  • City Average: $2,218
  • State Average: $1,582
  • National Average: $1,427

Yonkers Car Insurance by Gender and Marital Status

Car insurance premiums in Yonkers are affected by driver attributes such as gender and marital status. Premiums for men and women tend to differ by 2%, with women paying more. Being single, as opposed to married, can cost you around $70 more per year. Rates between those who are widowed and those who are divorced do not vary. Both groups pay marginally less than singles.

  • Female: $2,261
  • Male: $2,218
  • Single: $2,218
  • Married: $2,146
  • Divorced: $2,187
  • Widowed: $2,187

Yonkers Car Insurance by Age

Car insurance premiums are highest for teenage drivers, with rates that average $7,291 per year. The greatest decline in premiums for Yonkers drivers happens when they reach their 20s. Once out of the teenage age bracket, they save an average of $4,398. Insurance rates continue to trend downward up until drivers turn 60. Among all age groups, drivers in their 50s have the lowest car insurance payments, with rates of $2,076 per year. People in their 40s and 60s aren't paying much more, with premiums of $2,137 and $2,147, respectively.

  • Teenagers: $7,291
  • 20s: $2,892
  • 30s: $2,206
  • 40s: $2,137
  • 50s: $2,076
  • 60s: $2,147
  • 70s: $2,389

Yonkers Car Insurance by Credit Rating

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are $2,492 more a year. Drivers will see the greatest percent decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them 21% per year.

  • Very Poor: $4,489
  • Fair: $3,534
  • Good: $2,827
  • Very Good: $2,324
  • Exceptional: $1,997

Yonkers Car Insurance by Accident or Violation History

A history of accidents and violations can cost you in terms of prices on car insurance. $1,299 is the extra cost per year for drivers with a DUI in Yonkers, compared to the city average of $2,218. Reckless driving will also bump your rates up, with typical rates of $4,021. That is 81% higher than the city average! Speeding 16-20mph above the speed limit can cost you in terms of insuring your vehicle. Individuals with a speeding ticket on their driving record typically spend 15% more per year.

  • DUI: $3,517
  • Reckless Driving: $4,021
  • At-fault Accident (damages less than $1000): $2,324
  • At-fault Accident (damages greater than $2000): $3,029
  • Speeding Ticket (16-20 mph over speed limit): $2,557

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