Buy Cheap Yonkers, NY Auto Insurance in 2024
The cheapest Yonkers, NY auto insurance rates are offered by GEICO, although rates will vary by drivers. Car insurance in Yonkers, NY must meet the state minimum requirements of 25/50/10 in liability, $50,000 in personal injury protection, and 25/50 uninsured/underinsured motorist coverage. Compare Yonkers, NY auto insurance quotes online to find the right coverage for you.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Geico has the cheapest auto insurance in Yonkers, NY
- Yonkers is just outside of New York City and shares traffic and high auto insurance rates
- Yonkers, NY auto insurance rates are higher than the state and national averages
Yonkers, NY auto insurance is very expensive. In fact, it’s higher than the already above-average New York auto insurance rates.
However, you can still find affordable Yonkers, NY auto insurance rates by comparing quotes. Shop around to find the cheapest car insurance for you.
To compare Yonkers, NY auto insurance quotes for free, enter your ZIP code above.
What is the cheapest auto insurance company in Yonkers, NY?
Geico offers the cheapest auto insurance in Yonkers on average. However, each driver’s rates will be different based on individual factors.
These are the top-rated Yonkers, NY auto insurance providers listed from least to most expensive:
- Geico – $3,808.00
- USAA – $5,612.25
- Allstate – $5,698.33
- Progressive – $5,757.55
- Nationwide – $5,896.50
- State Farm – $6,181.89
- Travelers – $6,570.60
- Liberty Mutual – $8,904.00
Auto insurance rates in Yonkers are determined by many different factors, such as age, gender, marital status, driving record, and credit history.
Your location also affects your auto insurance rates. Drivers in cities with higher traffic and crime rates will pay more. For example, car insurance in New York City is slightly higher than rates in Yonkers.
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What auto insurance coverage is required in Yonkers, NY?
Most states, including New York, require drivers to carry at least a minimum amount of auto insurance.
The required auto insurance for drivers in Yonkers, NY is:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $10,000 per incident for property damage
- $50,000 in personal injury protection (PIP) coverage
- $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage
New York is a no-fault insurance state, meaning your insurance pays for your own injuries and damages, no matter who caused the accident.
Drivers may consider increasing their limits since the minimum auto insurance is not very much. If you are in a serious accident, those limits will be exhausted quickly, leaving you responsible for what isn’t covered.
What affects auto insurance rates in Yonkers, NY?
Traffic and auto theft also affect your car insurance rates.
Although INRIX doesn’t have specific data for Yonkers, it does rank nearby New York City as the fourth most congested city in the U.S. and the 14th most congested city in the world.
In fact, City-Data reports that drivers in Yonkers spend an average of 35 minutes commuting, but a high number of drivers spend an hour or more sitting in traffic each day.
Although the FBI shows only 182 auto thefts in Yonkers in one year, New York City 5,735. A high number of thefts close by can increase auto insurance rates.
Yonkers, NY Auto Insurance: The Bottom Line
Auto insurance in Yonkers, NY is very expensive, even more so than the state average. Before you buy Yonkers, NY auto insurance, shop around to find the best coverage at the cheapest price.
Enter your ZIP code now to compare Yonkers, NY auto insurance quotes from local companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Yonkers, NY?
To find cheap auto insurance in Yonkers, NY, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options. Different insurers may offer varying premiums, so it’s important to do your research.
- Utilize online comparison tools: Use online comparison tools that allow you to enter your information once and receive multiple quotes from different insurance companies. This can help you save time and find competitive rates.
- Consider local insurers: Research local insurance companies that operate in Yonkers, NY. They may offer competitive rates or specialized coverage tailored to the area.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you qualify for lower insurance premiums.
- Opt for higher deductibles: Increasing your deductible—the amount you pay out of pocket before insurance coverage kicks in—can lower your premiums. Make sure the deductible amount is affordable for you in case of an accident.
- Look for discounts: Inquire about discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features in your vehicle.
What factors affect the cost of auto insurance in Yonkers, NY?
Several factors can influence the cost of auto insurance in Yonkers, NY. Some of the key factors include:
- Location: The location where you live and park your vehicle in Yonkers, NY can impact insurance rates. Areas with higher population densities or higher crime rates may have higher premiums.
- Driving record: Your driving history, including accidents, traffic violations, and claims, can affect your insurance premiums. Maintaining a clean driving record can help keep your rates lower.
- Vehicle type: The make, model, and year of your vehicle can impact insurance rates. Some vehicles may be more expensive to repair or have higher theft rates, resulting in higher premiums.
- Coverage and deductibles: The type and amount of coverage you choose, as well as the deductible you select, can affect your insurance costs. Comprehensive coverage and lower deductibles tend to result in higher premiums.
Are there any discounts available for auto insurance in Yonkers, NY?
While discounts may vary by insurance provider, there are some common discounts that may be available for auto insurance in Yonkers, NY, including:
- Safe driver discount: Maintaining a clean driving record without accidents or traffic violations may qualify you for a safe driver discount.
- Multi-policy discount: If you bundle your auto insurance with other policies, such as homeowners or renters insurance, you may be eligible for a discount.
- Good student discount: If you are a student with good grades, you may qualify for a good student discount from insurance providers.
- Vehicle safety features discount: Certain safety features in your vehicle, such as anti-lock brakes, airbags, and anti-theft systems, may qualify for discounts.
Can I get cheap auto insurance in Yonkers, NY if I have a low income?
If you have a low income, there are potential options to obtain affordable auto insurance in Yonkers, NY. Consider the following:
- New York State’s low-cost insurance program: New York offers a state-funded low-cost insurance program called “Low Cost Auto Insurance.” This program provides affordable coverage options for eligible low-income individuals who meet certain criteria.
- State assistance programs: Check if New York offers any additional assistance programs or subsidies for low-income individuals. These programs may provide financial support or discounted insurance options.
- Non-profit organizations: Some non-profit organizations may offer discounted or subsidized auto insurance options for low-income individuals. Research local resources and organizations that focus on providing affordable insurance solutions.
How can I lower my auto insurance premiums in Yonkers, NY?
To lower your auto insurance premiums in Yonkers, NY, you can consider the following strategies:
- Maintain a good driving record: Avoid accidents and traffic violations to keep your driving record clean. Insurance companies typically offer lower premiums to drivers with a history of safe driving.
- Increase your deductible: Opting for a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can lower your premium costs.
- Bundle policies: If you have other insurance policies, such as home or renters insurance, consider bundling them with your auto insurance. Many insurers offer discounts for multi-policy holders.
- Inquire about discounts: Ask your insurance provider about available discounts. This may include safe driver discounts, good student discounts (if applicable), or discounts for certain safety features in your vehicle.
- Shop around: Compare quotes from multiple insurance providers to find the best rates and coverage options for your needs. Different insurers may offer varying premiums, so it’s important to do your research.
Compare Quotes From Top Companies and Save
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.