Finding Cheap Car Insurance Rates in Yonkers, NY
Yonkers drivers pay an average of $468 a month ($5,622 a year) for full-coverage car insurance in 2026 — among the highest rates in New York State. Rates run high partly because New York is a no-fault state requiring Personal Injury Protection (PIP) on top of liability coverage, and partly because of the heavy commuter traffic that runs through Yonkers on I-87, the Saw Mill River Parkway, and the Sprain Brook Parkway. Comparing quotes from multiple New York carriers — and pairing your policy with home insurance — is the most reliable way to cut costs this year.
Rates last verified and updated: July 2026.
What is the Average Cost for Car Insurance in Yonkers, NY?
- State minimum liability on average in Yonkers costs $204 a month or $2,453 a year. Full coverage auto policies costs around $468 a month or $5,622 a year in Yonkers.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Yonkers – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Yonkers, NY
- In Yonkers the cheapest car insurance companies on average are GEICO, Allstate and State Farm. State minimum liability car insurance starts at $90 a month or $1,085 a year with GEICO. The cheapest full coverage car insurance starts at $290 a month or $3,485 a year with State Farm.
Here are the average policy rates from the cheapest local and national insurance providers in Yonkers from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $1,085 | $90 | $3,601 | $300 |
| Allstate | $1,291 | $108 | $3,555 | $296 |
| State Farm | $1,516 | $126 | $3,485 | $290 |
| Standard Fire Ins. Co | $2,192 | $183 | $4,251 | $354 |
| Progressive | $2,499 | $208 | $5,583 | $465 |
New York State Minimum Liability Coverage Requirements
State minimum liability coverage for New York drivers are:
- $25,000 bodily injury liability coverage per person injured in an accident
- $50,000 bodily injury liability coverage per accident for all persons injured
- $10,000 property damage liability coverage per accident
How to Choose the Best Car Insurance Coverage Amount
In New York there are multiple options for the amount of auto insurance coverage you choose from. Here are a list of the different policy types you can choose from past liability:
- Liability Coverage: This is the basic coverage required by law in New York and covers damages and injuries you cause to others in an accident where you are at fault. It includes bodily injury liability coverage and property damage liability coverage.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses. It can also cover hit-and-run accidents.
- Personal Injury Protection (PIP): Also known as “no-fault” coverage, PIP pays for medical expenses, lost wages, and funeral expenses for you and your passengers, regardless of who is at fault in an accident.
- Collision Coverage: This covers damage to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This covers damage to your vehicle from non-collision incidents such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault.
- Rental Reimbursement Coverage: This optional coverage helps pay for the cost of a rental car if your vehicle is being repaired due to a covered accident.
- Towing and Labor Coverage: This optional coverage helps pay for towing and labor costs if your vehicle breaks down and needs to be towed to a repair shop.
When selecting car insurance coverage options in New York, it’s important to consider your individual needs, budget, and risk tolerance – our certified InsuranceQuotes agents can help you decide which policy option is best for you over the phone if needed.
Car insurance in Yonkers, NY averages $204/month for minimum coverage and $468/month for full coverage in 2026 — among the highest rates in the state. GEICO offers the cheapest minimum-coverage rate in our data at around $90/month. Comparing quotes from multiple carriers is the best way to find the lowest rate for your specific profile in Yonkers.
NY requires minimum coverage of 25/50/10 + $50K PIP. NY is a no-fault state requiring Personal Injury Protection (PIP) in addition to liability coverage. Driving without insurance in NY risks license suspension and fines.
Yes. NY is a no-fault state. Your PIP coverage pays your medical expenses after an accident regardless of who caused it.
For Yonkers drivers in 2026, GEICO offers the cheapest minimum-coverage rate in our data at around $90/month, while State Farm has the cheapest full-coverage rate at around $290/month. Allstate is also competitive. Rate differences between carriers in Yonkers can exceed $150/month for identical coverage — always compare at renewal.
New York is a no-fault state requiring $50,000 in Personal Injury Protection (PIP). NYC drivers pay some of the highest rates in the country while upstate NY is significantly more affordable. To lower your Yonkers premium: (1) compare at least three carrier quotes annually, (2) keep a clean driving record, (3) bundle auto and home or renters for 5 to 15% savings, and (4) consider raising your collision and comprehensive deductible to $1,000 to cut full-coverage costs by 10 to 15%.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
