Best Auto Insurance Rates in Yonkers, New York

On average your neighbors pay $103 a month.

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Compare Auto Insurance in Yonkers

Wednesday, November 14 2018 By Shantae Young

Yonkers, New York, has been unique from the beginning. Back in 1640, Adriean Van Donck was granted some land, which decided to call Colon Donck. Due to his reputation, many referred to him as Jonk Herr. (That translates to “Young Gentleman” or “Young Nobleman,” by the way.) From there, the town’s name evolved into The Younckers and then the name it holds today.

Average Yonkers Car Insurance Rates

How much is car insurance in Yonkers, NY? Residents shouldn't be surprised to hear car insurance costs more in Yonkers than it does in many other parts of the US. Average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.

Prices may vary depending on zip code, so you may pay less.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
Total Cost Per Year $1,234.84
Price Per Month $102.90
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

With all Yonkers has to offer residents old and new, they shouldn’t have to pay more for car insurance. QuoteWizard can help with this.

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Yonkers, New York and save up to 40% on your premium.

Last year, 2,953 people used QuoteWizard to compare auto insurance quotes in Yonkers, NY from multiple companies to find the lowest rates.

Best Car Insurance Companies in Yonkers, NY

This is our list of the most common car insurance companies reported by QuoteWizard users living in Yonkers, New York last year. Of the 2,953 users who used QuoteWizard last year, 110 were uninsured.

  1. GEICO
  2. Allstate
  3. Progressive
  4. Liberty Mutual
  5. Nationwide
  6. Farmers
  7. Esurance
  8. 21st Century
  9. State Farm
  10. USAA
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Other popular Yonkers, New York car insurance companies: Hartford, AIG, American Family, Travelers, MetLife, Safeco. Erie. and Mercury.

Top 10 Vehicles

These are the most common car makes and models owned by Yonkers, NY drivers requesting quotes through QuoteWizard last year.

  1. Honda Civic LX/EX/DX
  2. Honda CR-V EX
  3. Acura MDX
  4. Jeep Grand Cherokee Laredo
  5. Toyota Camry LE/XLE/SE
  6. Nissan Altima 2.5/S/SV/SL
  7. Honda Pilot EX
  8. Toyota Highlander
  9. Ford F150
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Yonkers, NY

Yonkers, New York has a minimum coverage requirement known as the 25/50/10 rule which, means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your provider will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

The policy must be in the name of the vehicle's registered owner and the coverage must remain in effect as long as the registration is valid even if you don't use the vehicle.

Yonkers Drivers

Allstate Insurance recently published a report ranking cities by how safe their drivers are (or are not, in some cases). Yonkers drivers ranked 142nd of 200 cities.

While most US drivers go ten years between accidents, drivers here are involved in car accidents every 7.8 years.

Yonkers drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Some of the factors that affect insurance rates are weather and road conditions.

Weather

Summers in Yonkers are nice and warm. People who call it home enjoy as many as 200 days with at least partial sunshine annually. It rains quite a bit too, with residents seeing around 106 days with some amount of precipitation. Snow also is common, with the area experiencing about 34 inches of it in a typical winter.

Road Conditions

According to a recent study by TRIP, 38% of the major roads in and around the State of New York are in poor condition. Another 42% are in mediocre or fair condition. These poorly maintained streets cost the state’s drivers $6.3 billion annually.

Moving Violations

Some of the moving violations that will give you a bad driving record and higher insurance rates: speeding tickets, running red lights, accidents and drunk driving.

Traffic Tickets

The State of New York DMV website lets you pay non-criminal traffic citations, tells drivers how to request a hearing to contest a ticket, and provides helpful traffic court information.

DWI Crash Statistics

Westchester County reported 48 car accidents that involved DWI in 2014. This is a 31% decrease from the 70 such accidents in 2013.

SR-22 DWI Insurance

A DWI conviction will require you to obtain an SR-22 form. To get the lowest rate for the most expensive type of coverage, get a quote and compare rates from top companies that specialize in Yonkers DWI insurance.

Car Accident Statistics

Yonkers officials reported 2,194 car accidents in 2016. Those crashes caused 1,706 injuries.

Traffic Fatalities

Yonkers experienced five fatal motor vehicle crashes resulting in five deaths in 2016. All traffic deaths are tragic, but given Yonkers' estimated population of 200,807, this is a safe US city in terms of such fatalities.

Vehicle Theft

Yonkers reported 278 vehicle thefts in 2016. That’s a rate of 1.38 per 1,000 residents. The national average is 2.20 per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to Yonkers, NY drivers.

  1. Get a new car to qualify for the new car discount. If the car has advanced safety features or anti-theft devices you may qualify for even more discounts
  2. Keep your driving record clean. Drivers without tickets and accidents can help you get the accident-free discount
  3. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  4. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  5. Students that maintain at least a B grade point average can qualify for the good student discount
  6. Take a defensive driving course at an accredited driving school

Sources:

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