Yonkers drivers pay higher than average rates for car insurance. They pay $1,375 annually for state minimum liability coverage and $2,972 for full coverage. For full coverage, the average car insurance rate for New Yorkers was $2,321 per year. Yonkers has higher auto insurance premiums due to the possibility of injuries and accidents. Car accident injuries are the fourth most common cause of death from injury in Westchester County.
New Yorkers have some of the highest car insurance rates in the country, with more than 12,000,000 licensed drivers. Bankrate compared the 2021 quotes of multiple carriers and customer satisfaction scores to give drivers a list of the cheapest Yonkers car insurance.
Yonkers’ best car insurance companies
Comparing third-party ratings from 2020 J.D. We found the best Yonkers car insurance providers by comparing third-party ratings from 2020 J.D.
Geico
Geico has some of the lowest rates in Yonkers because of its wide range of discounts and coverage options. You may be eligible for discounts for senior and young drivers. There are many discounts available for military personnel, federal employees, and those who belong to one of the more than 500 groups or organizations that Geico offers.
The insurance company for autos has superior financial stability to cover losses. Geico is the top-ranked insurer in New York for customer satisfaction.
Main Street American Group
Main Street American Group is the most affordable car insurance company in Yonkers. Insurers will not have to give up coverage or take advantage of discounts with its policies, even though rates are so low. The auto elite program provides three bundles that include standard accidental airbag deployment, personal clothes coverage, roadside assistance, and transportation expenses. If you have to file a claim, the company has great financial strength.
New York Central Mutual
New York Central Mutual (NYCM), car insurance, is another favourite among the New York area. It tied with Geico for second in the J.D. Study by Power. NYCM is a New York-only company that offers discounts up to 25% and bundling auto and home insurance. NYCM is different than other Yonkers insurance companies. This gives drivers in New York the protection they need on the roads.
State Farm
State Farm is the New York’s number one car insurance company. They have a lot to offer their insureds. State Farm offers coverage options which exceed New York’s insurance requirements. There are also many discount options that can be stacked for additional savings. Yonkers drivers will likely get low car insurance rates from State Farm.
USAA
USAA offers Yonkers military personnel, their spouses, and children lower-than-average rates on car insurance. USAA, if it weren’t for its membership requirements would be a top-ranking insurance company in the J.D. Power Auto Insurance Study. USAA estimates that switching to carriers could result in savings of up to $707 per year for policyholders compared with other carriers.
Yonkers has the lowest car insurance
The average cost of car insurance in the United States is $1,674 per annum for full coverage. This is far less than the Yonkers average annual rate, $2,972. The following car insurance companies have the lowest rates for Yonkers motorists based on price. All of the listed auto insurers have lower annual rates for full and state coverage. Allstate’s minimum rate is slightly higher than the average rate at $1,375 per annum.
Erie and Progressive offer the lowest car insurance rates for Yonkers. However, they also offer broad coverage options and discounts. Geico’s rates may be a little higher than others, but they offer the best mobile app and coverage nationwide. These auto insurance companies are all well-established and have solid financial histories. This ensures that they can pay any claims.
USAA and Allstate were the top-scoring car insurance companies on the 2020 J.D. Power U.S. Auto Claims satisfaction Study. USAA is not rank-eligible because of membership requirements. Based on your driving record and coverage options, your rate could be slightly different to the rates shown below.
Yonkers insurance requirements
Yonkers drivers must meet the minimum New York state liability coverage, or risk losing their driver’s license and vehicle registration. You must have the following minimum coverages to meet these requirements:
- $25,000 per person to treat bodily injuries
- $50,000 for bodily injury
- Property damage: $10,000 per accident
These limits are in compliance with state regulations, but most insurance professionals recommend that you purchase as much liability insurance to protect your financials in the event of an accident. Lenders will require you to have full coverage if you finance or lease a vehicle.
Yonkers: Car insurance discounts
Consider the discounts that you may be eligible for when you’re looking for Yonkers car insurance rates. You can get more coverage by applying as many discounts as possible to lower your rates. These discounts can make a huge difference in your Yonkers insurance premiums.
- Accident prevention courses that are state- or provider-approved
- Safety features (antilock brakes and airbags, seat belts that automatically buckle, etc.
- Multi-policy
- Safe driver
- Telematics based on usage
Bundling or multi-policy discounts are often the best way to get a large discount on your car and home insurance. You may be able save quite a bit depending on how much you drive and how often you use it. Many of the Yonkers-based auto insurance companies offer coverage.
You might save money if you have young drivers who are full-time students.
Questions frequently asked
Which is the best auto insurance company?
The best auto insurance company depends on the driver and household’s needs. To determine which insurance company is best for you, get quotes from several companies to compare the coverages and discounts.
What is the cost of Yonkers car insurance?
Full coverage insurance costs $2972.67 per year on average, or $247.67 per month. Your accident history, ticket history, coverage requirements and type of vehicle can all affect your rate.
What amount of Yonkers car insurance do you need?
For liability coverage, you must meet the minimum New York requirements. Other than that, your coverage options are unlimited. If you have a car loan or lease, consider full coverage. You may be able to afford additional coverage if you are involved in an accident that results in property damage or injuries.