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Are you in need of cheap auto insurance in Yonkers, NY? At AutoInsuranceEZ.com, lots of people can get the lowest priced insurance rates where you live. To find free car insurance rates available from the very best providers now, input your postal code within the quote box located on this site.

Yonkers is the 4th biggest city in New York, and is located just a few miles north of the Bronx, New York City’s northernmost borough. Yonkers is home to many major attractions, shopping centers, and even a harness racing track with video slot machines. Due to stagnant growth over the past few years, the city has approved an intense revitalization project designed to stimulate growth in a number of sectors, including retail space, luxury housing, and tourism.

  • Fun fact: Are we there yet? Because Yonkers is #59 on the list of “Top 100 cities with longest commuting times (pop. 50,000+)”. Intrigued by getting to know more about Yonkers? Click here!

Auto Insurance Coverage Requirements in New York

Driving legally in Yonkers requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 25,000/50,000
Medical Payments Not required 100,000
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

In states like New York, where there are an uncommonly high number of hit-and-run accidents and also a high number of drivers who drive illegally without insurance coverage, it is fairly common to require motorists to purchase Uninsured Motorist coverage.

In New York State, it can be difficult to find monthly premiums below the average of $98 per month. In Yonkers, partly due to its proximity to New York City, drivers are looking at monthly averages around $90/mo* or higher. But if you know how to shop smartly, you can lower that.

Average Monthly Auto Insurance Premiums Legend: Yonkers Amica Allstate Central Mutual State Farm Nationwide 20 40 60 80 100 120 140 160 $67 $57 $70 $85 $170

 

For your typical driver, Amica, Allstate, and Central Mutual are offering some of the lowest prices in town. But remember, these rates might not be obtainable for every driver. You also have to question whether switching is worth the hassle of changing providers.

Auto insurance providers consider various variables when determining insurance quotes, such as gender, accident claims, your credit score, driving distance to work, and theft protection devices. Also remember that premiums will differ from one company to another. To make sure you are still receiving the lowest-cost premium, look at cheap Yonkers auto insurance quotes on the web.

Major Car Insurance Factors in Yonkers

There are numerous ways in which your New York car insurance rate may be calculated. But not all of it is out of your control; there are things you can do so that you can impact what discounts you are entitled to receive. The following are a few of these components in greater detail:

  • Your Zip Code

If you live in a city with a low number of residents, you can enjoy a lower rate on your car insurance. A smaller number of local citizens usually means that there will be a lesser amount of drivers sharing the road with you. According to auto insurance companies, this translates to a decreased chance for an automobile accident. The population of Yonkers is actually 199,766 and also the general household earnings are $65,589.

Auto Insurance by Zip Code Legend: Buffalo New York Rochester Syracuse Yonkers Amica Allstate Central Mutual State Farm Nationwide 30 60 90 120 150 180 210 240 270 $59 $125 $37 $42 $67 $64 $102 $56 $50 $57 $70 $135 $39 $41 $70 $136 $186 $64 $62 $85 $134 $281 $84 $100 $170

 

  • Automotive Accidents

Anywhere that experiences a high rate of annual accidents will also see an increase in local insurance premiums. Talk to your local agent today to see if the accident rates in the chart above are uncharacteristically high for your area. You may even qualify for a Safe Driver discount.

Fatal Accidents in Yonkers, NY Legend: Yonkers Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 3 6 9 12 15 18 21 24 27 7 21 1 7 28 3

 

  • Auto Thefts in Yonkers

Although you may live in a smaller city, high car theft statistics can have an expensive impact on your auto insurance policy. However, there are ways you can fight back: by installing any type of passive anti-theft system on your specific vehicle, you can influence your carrier to compensate you with reduced premiums! In Yonkers, they had 236 auto thefts in 2013. Thankfully, this number is very low. But that doesn’t mean you shouldn’t be as proactive as possible in protecting your vehicle from theft.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Amica Allstate Central Mutual State Farm Nationwide 50 100 150 200 250 300 350 400 450 $67 $200 $57 $125 $70 $242 $85 $161 $170 $478

 

  • Your Credit Score

Your credit score can have a bigger impact on your monthly premiums than you might think. Just look at the data presented in the following chart. For someone with excellent credit, their monthly premium is anywhere from 50-75% cheaper than the monthly costs for someone with poor credit. Nationwide will charge you the same regardless of your credit score, but they are also the most expensive in the Yonkers area.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Amica Allstate Central Mutual State Farm Nationwide 20 40 60 80 100 120 140 160 $67 $103 $49 $125 $67 $127 $69 $164 $170 $170

 

  • Your Age

The younger you are, and the less experience you have behind the wheel, the more you can expect to pay for your automotive insurance each month. As you can see in the chart below, a teenage driver (without any Good Student or Defensive Driving discounts) has to pay a lot more each month.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Amica Allstate Central Mutual State Farm Nationwide 50 100 150 200 250 300 350 400 450 500 550 $67 $462 $57 $218 $70 $214 $85 $267 $170 $584

 

  • Your Driving Record

A clean driving record will get you the lowest rate, while accidents and tickets will raise your monthly cost. Too many citations, or serious violations such as a DUI, might result in a loss of coverage all together. Be sure to talk to your insurer about Accident Forgiveness discounts in order to save some money.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Amica Allstate Central Mutual State Farm Nationwide 20 40 60 80 100 120 140 160 180 200 $67 $94 $207 $67 $57 $66 $74 $57 $70 $70 Do Not Sell $70 $85 $94 $94 $85 $170 $188 $218 $170

 

  • Your Vehicle

Naturally, you’ll have to pay more for your insurance when you are insuring an expensive, luxury vehicle. Such cars cost more to replace or repair, should you file a claim, and you will need more than just the state minimum coverage in order to protect your investment.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Amica Allstate Central Mutual State Farm Nationwide 50 100 150 200 250 300 350 400 450 500 550 600 $67 $224 $57 $203 $70 $276 $85 $187 $170 $612

 

Minor Car Insurance Factors in Yonkers

The factors below can be a little harder to control, but they can also raise or lower your monthly premium:

  • Your Marital Status

Believe it or not, most insurance companies don’t charge radically different rates for males or females. Some companies might charge 2-3% more based on gender. However, the growing trend is to charge adults the same monthly rate, regardless of gender. Check with your provider for more information.

  • Your Gender

Believe it or not, most insurance companies don’t charge radically different rates for males or females. Some companies might charge 2-3% more based on gender. However, the growing trend is to charge adults the same monthly rate, regardless of gender. Check with your provider for more information.

  • Your Driving Distance to Work

Being so close to New York City, it should come as no surprise that Yonkers has similarly long commute times: 24-36 minutes on average. Still, 54% of motorists choose to drive their own vehicle in to work each and every day. Another 10% prefer the bus, and 12-14% are likely to carpool with their co-workers.

Do you think you’ll pay higher insurance rates for driving more miles each year? Or for driving for pleasure instead of commuting to work/school? Well, the truth is that only business vehicles see a significant rate hike (about 10-12%/month). All other variables will only change your monthly premium by a few dollars.

  • Your Coverage and Deductibles

Want to know about a quick and easy trick for lowering your monthly rate? Raise your deductible. But save a little money just in case. Because if you don’t pay that deductible first, your insurance company won’t pay out on any claims.

  • Education in Yonkers, NY

29% of residents in Syracuse have achieved their high school diploma or a similar equivalent. Meanwhile, 24% have yet to complete all four years of high school. And speaking of education, there’s something all Syracuse motorists should know: the further you take your education, the more money you can save on your auto insurance policy! It’s even better than what you might get for having a prestigious job, or a high salary.

Nearly 50 different educational institutions service the Syracuse area, educating over 215,000 students each year. Syracuse University offers bachelors and graduate degrees from 13 different colleges, and LeMoyne College is a private university affiliated with the Catholic Church. SUNY also operates a medical school in Syracuse. For those who would prefer to spend less time in school, there is the Onondaga Community College, or Cayuga Community College.

Ascertaining your own personal financial risk can be very challenging or inconceivable for the common insurance shopper. Insurance providers have got an advantage over shoppers due to their research and experiential expertise. Discover the things that insurance providers don’t really want anyone to learn.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

New York Department of Financial Services

New York Department of Financial Services – Insurance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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