For a 40-year-old driver with a clean record, car insurance in Yonkers averages about $341 a month ($4,088 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% above the New York average of $288 a month. Progressive has the lowest full-coverage average of the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $131 a month.
One insurer pulls the Yonkers average down: Progressive’s full-coverage average for our driver is about $131 a month here. Without Progressive, the other four major insurers we compared average about $393 a month, compared with $341 with it.
Yonkers costs more to insure than most of New York but far less than New York City, just to the south. Our benchmark driver pays about $341 a month for full coverage here, compared with $448 in the city.
Our data covers five Yonkers ZIP codes: 10701, 10703, 10704, 10705 and 10710.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Yonkers ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Yonkers averages $4,088 a year, or about $341 a month, for our benchmark driver. Liability-only coverage at New York’s 25/50/10 minimum averages $1,992 a year ($166 a month), and 50/100/50 liability with comprehensive and collision averages $3,872 ($323 a month).
Progressive has the lowest full-coverage average among the five insurers in our Yonkers rate data. Five of the eight published 2026 statewide New York rate studies we reviewed also rank Progressive cheapest for full coverage, so we name it, though its lead in our data is wider than in those studies. Two of the others put Erie Insurance first and one NYCM Insurance. For liability-only coverage at 25/50/10 limits, averages run from about $53 to $270 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Yonkers
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $636 | $53 | $1,567 | $131 |
| GEICO | $1,318 | $110 | $3,643 | $304 |
| Allstate | $2,300 | $192 | $3,974 | $331 |
| State Farm | $2,462 | $205 | $4,918 | $410 |
| Travelers | $3,244 | $270 | $6,338 | $528 |
| USAA (military families)* | $1,459 | $122 | $2,343 | $195 |
| NYCM Insurance* | $1,069 | $89 | $3,113 | $259 |
| Erie Insurance* | $1,536 | $128 | $3,709 | $309 |
| Yonkers average | $1,992 | $166 | $4,088 | $341 |
This table uses Yonkers ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the five Yonkers ZIP codes we price, full coverage for our driver ranges from about $316 a month in 10710 to $352 in 10705, a gap of $441 a year. ZIP code 10710, on the northeast side, is the least expensive, and 10705, on the southwest side, the most expensive.
Lowest-priced Yonkers ZIP code
Highest-priced Yonkers ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Yonkers’ average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 10701 | $2,044 | $170 | $4,190 | $349 | +2% |
| 10703 | $1,999 | $167 | $4,091 | $341 | About average |
| 10704 | $2,022 | $169 | $4,146 | $346 | +1% |
| 10705 | $2,088 | $174 | $4,227 | $352 | +3% |
| 10710 | $1,806 | $151 | $3,786 | $316 | -7% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $216 a year on average in our Yonkers data, with the same $500 deductibles. That’s about $18 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
It depends on the insurer. Comparing the same insurers in the same Yonkers ZIP codes, full coverage averaged $4,145 a year nine months earlier and $4,088 in rates as of Aug. 31, 2026, a 1.4% drop, but only because Progressive cut its Yonkers average 25.4%. The other four insurers’ average rose 1.4%: Travelers raised its average 6.8% and Allstate cut its 3.6%, while GEICO’s and State Farm’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 2.3%, led by Allstate, which cut its liability-only average 11.3%.
Westchester County averages $3,358 a year for full coverage in our data, the ninth-highest of the 59 New York counties we price, and Yonkers runs above it. Mount Vernon, next door, averages about $380 a month, while New Rochelle averages $291 and White Plains $273.
The Bronx, just across the city line, averages $500 a month in our data, so Yonkers drivers pay about $159 a month less for the same coverage.
More New York cities and towns are in the New York rates by city table, and you can compare states on our car insurance rates by state page.
New York City, just south, averages $448 a month, and the Town of Hempstead, on Long Island, $400. For the statewide picture, see our guide to New York car insurance rates.
Drivers in Yonkers follow New York’s rules. Every policy must include at least:
Our New York requirements guide covers no-fault benefits, optional coverage, the 2026 law changes and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from New York law and the New York State Department of Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Yonkers averages about $341 a month ($4,088 a year) and liability-only coverage about $166 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 18% above the New York average of $288 a month. Without Progressive, the average is about $393 a month.
Progressive has the lowest full-coverage average in our Yonkers rate data, at about $131 a month, followed by GEICO at $304 among the five major insurers we compared. For liability-only coverage, averages run from about $53 to $270 a month. Five of the eight published 2026 statewide New York rate studies we reviewed also rank Progressive cheapest for full coverage; two put Erie Insurance first and one NYCM Insurance. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. In our data, Yonkers full coverage averages about $341 a month and the Bronx about $500, for the same driver and car.
In our data, 10710 has the lowest full-coverage average in Yonkers, at about $316 a month, and 10705 the highest, at about $352. The ZIP code table on this page lists all five.
In our Yonkers data, full coverage (100/300/100 with $500 deductibles) averages about $341 a month and liability-only coverage at 25/50/10 limits about $166, a difference of about $175 a month ($2,096 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New York law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Yonkers must carry New York’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries ($50,000 and $100,000 when someone dies) and $10,000 for property damage, $50,000 per person in no-fault coverage and uninsured motorist coverage at the same 25/50 injury limits. New York is a no-fault state for injuries, so your own policy pays your medical bills and lost earnings up to that limit, whoever caused the crash.
It depends on the insurer. Comparing the same insurers and ZIP codes, full coverage in Yonkers fell 1.4% over the past nine months, from about $4,145 to $4,088 a year, but only because Progressive cut its price 25.4%. The other four insurers’ average rose 1.4%, and Travelers raised its average 6.8%. Liability-only coverage at 25/50/10 limits fell 2.3%.
For our benchmark driver, full coverage in Yonkers averages about $341 a month. Nearby, New York City averages about $448, Oyster Bay about $324 and Hempstead about $400. Oyster Bay is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
