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 insurers we price, 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 insurers in our data 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, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 29, 2026.
Full coverage in Yonkers averages $4,088 a year, or about $341 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits 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 in our Yonkers data. Every published 2026 New York rate study we reviewed also ranks Progressive cheapest for full coverage, so we name it, though its lead in our data is wider than in those studies. NYCM Insurance, Erie and USAA aren’t in the Quadrant rate data we analyze, so their rows in the table are estimates.
Full-coverage averages by insurer in Yonkers
Monthly, for the same driver and car. Estimated insurers are in the table below, not 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)* | $1,725 | $144 | $2,690 | $224 |
| NYCM Insurance* | $1,018 | $85 | $3,153 | $263 |
| Erie Insurance* | $1,741 | $145 | $3,678 | $307 |
| Yonkers average | $1,992 | $166 | $4,088 | $341 |
This table uses Yonkers ZIP codes only. See how we calculated these rates.
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 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 in our Yonkers data, with the same $500 deductibles. That’s about $18 a month for three times the injury protection per crash and double the property damage limit.
It depends on the insurer. Comparing the same insurers in the same Yonkers ZIP codes, full coverage averaged $4,145 a year in rates as of Nov. 30, 2025 and $4,088 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%, led by Travelers, up 6.8%. Liability-only coverage at 25/50/10 limits fell 2.3%.
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.
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 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 the New York State Department of Financial Services and the New York DMV. 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, about $131 a month, followed by GEICO at $304. Every published 2026 New York rate study we reviewed also ranks Progressive cheapest for full coverage. For liability-only coverage, averages run from $53 to $270 a month across the five insurers. 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.
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.
It depends on the insurer. Comparing the same insurers and ZIP codes, Yonkers full coverage fell 1.4% between November 2025 and August 2026, 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%.
