Yonkers Auto Insurance
Last Updated on October 26, 2026 by James Shaffer · Reviewed for accuracy by Daniel Major, licensed insurance agent (NPN 14733759)
A car registered in Yonkers has to carry a policy from an insurer licensed in New York, with at least $25,000 per person and $50,000 per accident in bodily injury liability ($50,000 and $100,000 when someone dies), $10,000 in property damage liability, $50,000 in no-fault coverage, and $25,000/$50,000 in uninsured motorist coverage. None of that pays to repair or replace your own car.
Two local facts bear on that gap. Yonkers police reported 305 motor vehicle thefts in the state’s 2024 theft report, and NYSDOT listed closures on parts of the Saw Mill River and Bronx River parkways in Yonkers during the September 2023 flooding. Comprehensive coverage is what pays for a stolen or flooded car. The rest of this page covers the required coverage, those two risks, how prices are set, the Yonkers DMV office, and Yonkers agencies whose details were checked in September 2026.
At a Glance
- Registration Rules: The policy must come from an insurer licensed in New York, carry the same name as the registration, and stay active for the whole registration period. An out-of-state policy won’t be accepted.
- Stolen Cars: The state’s 2024 report lists 305 thefts reported by Yonkers police and 262 vehicles recovered. Theft is paid under comprehensive, which DFS says includes transportation reimbursement if the car is stolen.
- Flooded Parkways: NYSDOT reported closures on the Saw Mill River and Bronx River parkways in Yonkers on September 29, 2023. A flooded car is a comprehensive claim, not a liability or no-fault claim.
- Yonkers DMV: The office is at 1 Larkin Plaza. Book a reservation first, since the DMV admits only reservation holders when waits run long.
Coverage New York Requires on a Yonkers Car
Every county uses the same minimums, so a Yonkers policy starts from the table below. The coverage has to stay active for the whole registration period even if the car never moves, and the name on the policy must match the name on the registration or the DMV may suspend the license and registration.
| Coverage | Minimum Required |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Death liability | $50,000 per person / $100,000 for two or more people |
| Property damage liability | $10,000 per crash |
| No-fault (PIP) | $50,000 per person |
| Uninsured motorist (UM) | $25,000 per person / $50,000 per accident |
Liability pays the people you injure and the property you damage. No-fault pays your own medical bills and part of your lost income after a crash, whoever caused it, and uninsured motorist coverage responds if an uninsured driver injures you. The DMV’s insurance requirements page has the official rules. For the statewide picture, see our guide to New York car insurance laws.
Theft and Flooding in Yonkers
Collision and comprehensive are optional in New York. In DFS’s description, collision pays, without regard to fault, when the car hits another vehicle or object or overturns. Comprehensive handles most other damage: theft of the car or its parts, fire, flood, windstorm, broken glass, vandalism, and animal strikes. If the car is stolen, it also pays a daily amount set in your policy toward transportation. Both are explained on the DFS optional coverage page.
What the State’s Theft Report Shows
The Division of Criminal Justice Services publishes an annual report on motor vehicle theft and insurance fraud. In the 2024 edition, the section on the Yonkers Police Department lists 305 motor vehicle thefts reported and 262 stolen vehicles recovered that year. The report’s county table shows 812 thefts in Westchester County in 2024, down from 971 in 2023.
Only comprehensive answers a theft claim. The car you buy matters as well. DFS says collision and comprehensive premiums reflect a model’s theft record along with its price and repair costs, and it posts a table of vehicle rating symbols you can check before you buy. Higher symbols mean higher premiums.
Quick tip: Ask each insurer whether the comprehensive coverage on your quote includes transportation reimbursement after a theft, and what the daily amount and time limit are. DFS lists the benefit as part of the coverage, but the amounts are set in the policy.
Flooding on the Parkways and Along the Saw Mill River
On September 29, 2023, NYSDOT reported highway closures across Westchester as heavy rain hit the New York City area. The Governor’s flooding update lists several Yonkers sections: the Saw Mill River Parkway between Exit 4 at the Cross County Parkway and the Bronx line, the Exit 4A ramp from Rumsey Road, and two stretches of the Bronx River Parkway.
The state’s Resilient NY program studies flooding along the Saw Mill River. Its Saw Mill River fact sheet names Yonkers War Memorial Field, Nepperhan Heights, and Nepera Park among the watershed’s high-risk areas. If you park near the river or on a low street, choose a comprehensive deductible you could cover the week after a loss.
Commuting and Coverage Above the Minimum
Census Bureau QuickFacts puts the mean travel time to work for Yonkers workers at 35.6 minutes for 2020 to 2024. The figure covers every way of getting to work, so it doesn’t say how many people drive.
For people who do drive daily, the limits deserve a look. A $10,000 property damage limit may not cover a newer car you hit, and $25,000 per person can run out quickly after a serious crash. Any amount past your limits may be yours to pay. Higher liability limits also raise the ceiling on supplementary uninsured/underinsured motorist (SUM) coverage, which pays when the driver who hurt you has no insurance or too little. DFS says SUM can’t exceed your bodily injury liability limits and that whatever you recover from the other driver’s insurer reduces what SUM pays, so price the two together.
A lender or leasing company may require collision and comprehensive on a financed car. Our explainer on full coverage car insurance in New York shows how the pieces fit.
What Sets Prices in Yonkers
A published city average says little about your own quote. DFS explains that New York is divided into rating territories, which each insurer files to reflect its own claim costs, so two companies can price the same Yonkers driver and car differently.
One discount comes from the DMV. Completing an approved Point and Insurance Reduction Program (PIRP) course earns the policy’s principal operator a 10% reduction in the base rate of liability and collision premiums each year for three years, and you retake the course every 36 months to keep it. It can also lower your point count by up to 4 when the DMV is deciding on a suspension. The violations still appear on your record. You can take the course online or in a classroom.
If companies decline to insure you, the New York Automobile Insurance Plan (NYAIP) assigns you to an insurer. DFS says plan coverage usually costs more, the assigned insurer must keep insuring you for three years, and you can move to a voluntary policy whenever you find one. Our page on insurance for high-risk drivers covers the options, and our tips for lowering car insurance costs cover other ways to bring a quote down.
Comparing Insurers and Quotes
A quote is only comparable to another one with the same liability limits, SUM limits, and deductibles. The company named on the quote matters too. DFS publishes a complaint ranking of auto insurers based on the complaints it upheld relative to each insurer’s New York premiums over two years. It counts only complaints sent to DFS, a small insurer can move a long way on one or two, and large groups file under several company names, so look up the exact one on your quote.
Before you request quotes, you can read NYMI’s New York reviews of State Farm, Allstate, GEICO, Progressive, Travelers, Nationwide, Erie, New York Central Mutual (NYCM), Amica, and USAA.
Yonkers Car Insurance Agents
An independent agency can quote several insurers, while an agent who represents one insurer sells that insurer’s policies. NYMI checked each address and phone number below against the agency’s website or the insurer’s agent listing in September 2026, and we haven’t rated any of these offices. Where a row links to an insurer’s directory page, that page is the source for the agency’s details.
| Agency | Address | Phone | Sells |
|---|---|---|---|
| D.C. Ranieri Insurance Agency | 457 Palmer Rd, 10701 | (914) 376-2560 | Multiple insurers (independent) |
| John Mackey Insurance Brokerage | 1049 Yonkers Ave, 10704 | (914) 237-8009 | Multiple insurers (independent) |
| Parsons-Di Salvo Agency | 121 Yonkers Ave, 10701 | (914) 963-6369 | Multiple insurers (independent) |
| JWI Group | 125 Corporate Blvd, Ste 304, 10701 | (914) 968-1344 | Multiple insurers (independent) |
| Victoria Anderson | 733 Yonkers Ave, Ste 304, 10704 | (914) 349-9600 | State Farm |
| A. Ivette Ledesma | 641 Yonkers Ave, 10704 | (914) 423-3100 | Allstate |
| Stephen J. Massa | 957 McLean Ave, Ste 103, 10704 | (914) 315-6550 | Nationwide |
Questions that help when you call any of them:
- Which company would issue the policy, and where does it appear in the DFS complaint ranking?
- Is comprehensive included in the quote, and what deductible does the price assume?
- What SUM limits are quoted, and do they match your bodily injury limits?
The Yonkers DMV Office and Proof of Insurance
The Yonkers DMV office is at 1 Larkin Plaza, Yonkers, NY 10701, and its page lists registration and plates among its services. The DMV’s office locator says the DMV strongly encourages reservations and that when waits are long, only people with a reservation are admitted.
Your insurer issues the New York State Insurance ID Card you need to register, and you have 180 days from its effective date to complete the registration. The DMV’s insurance status lookup shows whether your coverage is on file.
Insurers notify the DMV electronically when coverage ends, and the DMV can then suspend the registration and license. If the gap lasted 90 days or less, the DMV accepts a civil penalty of $8 to $12 for each day, depending on how long it ran. After 90 days the plates and registration must be surrendered, and the license is suspended for the same period. The DMV’s page on insurance lapses has the full schedule.
Car insurance guides for nearby places: the Bronx, Mount Vernon, White Plains and New Rochelle. For every city and borough we cover, see New York car insurance by city.