Drivers in Yonkers pay higher-than-average charges for automobile insurance coverage at $1,375 per 12 months for state minimal legal responsibility and $2,972 per 12 months for full protection. The average auto insurance rates for New Yorkers is decrease at $2,321 yearly for full protection. One purpose for larger auto insurance coverage premiums in Yonkers is the excessive chance of accidents and accidents. Automobile accident accidents are the fourth leading cause of death by harm in Westchester County, New York.
With greater than 12 million licensed drivers within the state, New Yorkers pay a number of the highest charges for automobile insurance coverage within the nation. To assist drivers fight excessive automobile insurance coverage charges, Bankrate in contrast a number of service’s 2021 quoted premiums and buyer satisfaction scores to offer drivers with a handy record of the most effective least expensive automobile insurance coverage in Yonkers.
Greatest automobile insurance coverage corporations in Yonkers
By evaluating third-party rankings from the 2020 J.D. Energy Auto Insurance coverage Research — an industry-trusted annual buyer satisfaction report — plus present charges from completely different insurance coverage corporations in Yonkers, we discovered a number of the greatest automobile insurance coverage Yonkers insurers have to supply.
|Insurance coverage firm||J.D. Power score
|Common annual premium for minimal protection||Common annual premium for full protection|
|Geico||837 / 1,000||$1,180||$2,592|
|Foremost Avenue American Group||N/A||$428||$1,077|
|New York Central Mutual||837 / 1,000||$1,448||$3,329|
|State Farm||851 / 1,000||$1,630||$2,956|
|USAA||884 / 1,000||$1,234||$2,809|
Geico provides a number of the least expensive charges in Yonkers because of a lot of low cost choices and protection ranges. Drivers might make use of reductions for each younger college students and senior drivers. Navy, federal workers and people a part of Geico’s greater than 500 qualifying teams or organizations even have a number of low cost choices accessible to get low-cost charges on automobile insurance coverage.
The auto insurer has superior financial strength to pay claims within the occasion of a loss. Within the New York area, Geico is extremely favored because the second-higher rating insurer for general buyer satisfaction within the New York area.
Be taught extra: Geico insurance review
Foremost Avenue American Group
By far, Foremost Avenue American Group has the bottom common price of automobile insurance coverage in Yonkers. Even with charges this low, insureds aren’t prone to need to sacrifice protection or low cost alternatives with certainly one of its insurance policies. Its auto elite program provides three bundled protection packages with commonplace unintentional airbag deployment, private clothes protection, transportation bills and roadside help. The corporate additionally has glorious monetary energy if you should file a declare.
New York Central Mutual
New York Central Mutual (NYCM) automobile insurance coverage is one other favourite among the many New York area, tying with Geico for second place within the J.D. Energy regional examine. Providing a variety of reductions and as much as 25% for bundling residence and auto insurance coverage, NYCM works solely with New York residents. That is distinctive in comparison with many different insurance coverage corporations in Yonkers, giving town’s drivers the protection they should defend themselves on roads within the Empire State.
Be taught extra: New York Central Mutual insurance review
Because the primary insurer within the New York area, State Farm could also be among the finest automobile insurance coverage corporations in Yonkers with rather a lot to supply its insureds. With coverage options that exceed New York state insurance coverage necessities and several other low cost choices to probably stack for added financial savings, drivers in Yonkers are prone to get low-cost automobile insurance coverage charges with State Farm.
Be taught extra: State Farm insurance review
USAA provides lower-than-average automobile insurance coverage charges in Yonkers for navy members, their spouses and kids. If it weren’t due its membership necessities, USAA would qualify as a top-ranking insurer within the J.D. Energy Auto Insurance coverage Research. USAA estimates switching carriers may save its policyholders as a lot as $707 on common per 12 months over different carriers.
Be taught extra: USAA insurance review
Most cost-effective automobile insurance coverage in Yonkers
Within the U.S., the average cost for car insurance is $1,674 per 12 months for full protection, far cheaper than the Yonkers common annual charge of $2,972. Going strictly by worth, the next automobile insurance coverage corporations provide the cheapest rates for Yonkers drivers by market share. All of the auto insurers listed have decrease common annual charges for state minimal legal responsibility and full protection, aside from Allstate’s state minimal charge which is barely larger than the typical charge of $1,375 per 12 months.
|Insurance coverage firm||Common annual premium for minimal protection||Common annual premium for full protection|
Progressive and Erie provide the cheapest car insurance charges in Yonkers, on common, whereas nonetheless providing broad protection selections and low cost alternatives. Geico’s charges are a bit larger, however stability it out with among the finest cell apps and nationwide protection. All of those auto insurance coverage corporations have been in enterprise for a few years and have sturdy monetary histories, making certain they’ll pay claims when the time arises.
Of a budget automobile insurance coverage corporations listed, USAA and Allstate scored highest on the 2020 J.D. Energy U.S. Auto Claims Satisfaction Research. Nevertheless, USAA will not be thought of rank-eligible attributable to membership necessities. Your charge might also be completely different from the quoted charges beneath, primarily based in your driving historical past and protection selections.
Yonkers insurance coverage necessities
Drivers in Yonkers are required to satisfy New York state liability insurance minimum coverages or danger a suspended drivers license and car registration. To fulfill the necessities, you have to have at the least:
- $25,000 per particular person for bodily harm
- $50,000 per accident for bodily harm
- $10,000 per accident for property injury
Although these limits adjust to state mandates, most insurance coverage consultants suggest buying as a lot legal responsibility insurance coverage as you possibly can afford to guard your funds in case you are concerned in an accident. For those who finance or lease a automobile, most lenders need you to buy full protection to satisfy lending necessities.
Automobile insurance coverage reductions in Yonkers
If you’re searching for low-cost automobile insurance coverage charges in Yonkers, think about reductions you qualify for. Making use of as many reductions as you possibly can may work to maintain charges low so you possibly can buy extra protection, affordably. Listed below are a number of reductions that may have a big effect in your Yonkers insurance coverage premiums:
- State- or provider-approved accident prevention course
- Security options (anti-lock brakes, airbags, computerized seat belts, and so on.)
- Protected driver
- Utilization-based telematics
Many instances, the multi-policy low cost, or bundling, is the most important share low cost accessible on automobile and residential insurance coverage. Relying on the way you drive and the way typically, you could possibly save fairly a bit with a usage-based program provided by lots of the auto insurance coverage corporations providing protection in Yonkers.
In case you have younger drivers within the family who’re full-time college students, benefiting from reductions like good scholar and secure driver packages may also save on larger premiums brought on by having an inexperienced driver in your coverage.
Continuously requested questions
What’s the greatest automobile insurance coverage firm?
The best car insurance company varies by driver and family wants. One strategy to decide which insurance coverage firm most closely fits your wants is to get a number of quotes from completely different corporations to match coverages and low cost choices.
How a lot does automobile insurance coverage in Yonkers price?
The typical annual charge for full protection insurance coverage is $2,972 per 12 months or $247.67 month-to-month. Your charge could possibly be larger or decrease relying in your accident and ticket historical past, protection necessities, and the kind of automobile you drive.
How a lot automobile insurance coverage do I would like in Yonkers?
You should meet the minimal New York necessities for legal responsibility protection, however aside from that, protection selections are as much as you. Take into account full protection when you’ve got a mortgage or lease in your automobile. For those who can afford extra protection, it could be a good suggestion to guard your self in the event you trigger an accident leading to accidents or property injury.
Bankrate makes use of Quadrant Info Providers to research 2021 charges for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted charges are primarily based on a 40-year-old female and male driver with a clear driving file, good credit score and the next full protection limits:
- $100,000 bodily harm legal responsibility per particular person
- $300,000 bodily harm legal responsibility per accident
- $50,000 property injury legal responsibility per accident
- $100,000 uninsured motorist bodily harm per particular person
- $300,000 uninsured motorist bodily harm per accident
- $500 collision deductible
- $500 complete deductible
To find out minimal protection limits, Bankrate used minimal coverages that meet every state’s necessities. Our pattern drivers personal a 2019 Toyota Camry, commute 5 days every week and drive 12,000 miles yearly.
These are pattern charges and ought to be used for comparative functions solely. Your quotes could also be completely different.