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Cheap Car Insurance in Yonkers, New York

It may be considered an “inner suburb” of New York City, but it's not impossible to find cheap car insurance in Yonkers. Believe it or not, Yonkers is the fourth largest city in New York by population, located just north of the Bronx and only two miles from Manhattan. Centered around its bustling Getty Square, Yonkers was once just a small farming community with an industrial waterfront that developed into industry. The original Otis Elevator Co. opened here on the Hudson in 1853. Yonkers is conveniently divided into four sections: Northeast, Northwest, Southeast and Southwest, which contains is central business district and Getty Square.

Driving Conditions in Yonkers

Nearly a third of Yonkers households don't even own a car, since public transit has long been a part of life. The largest share of households with cars have only one.

Compared to U.S. cities average commute time of 26 minutes, Yonkers has an average time of 32.4 minutes, according to Census Bureau data. Interstate 87 is a major limited access corridor through the city. For updates and information on traffic delays, accidents and road conditions, visit dot.ny.gov/tdv.

Unique Laws in Yonkers

Antiquated New York laws require a license be purchased before hanging clothes on a line and ban activities such as holding a window of a home for a puppet show or carrying an ice cream cone in one's pocket on Sunday – a law that may have come from the blue law days when eating ice cream on Sundays was not allowed. Two or more people wearing masks may not gather in public, an 1845 New York law states. A more recent law bans people from taking selfies with tigers, which is meant to prevent mauling.

Yonkers Crime Statistics

Property crime rates in Yonkers is less than half of the U.S. average, though the violent crime rate is slightly higher than the national average, based on 2015 figures from the FBI. Yonkers had 273 cases of car theft in 2015, or a rate of 135 incidents per 100,000 people, less than the U.S. average of 220 incidents per 100,000 people.

Yonkers Safety Requirements

State law requires front seat passengers and those under 16, regardless of seating, to wear seat belts. Children under 4 must ride in safety seats. Car seats or boosters used “must comply with the child height and weight recommendations determined by the manufacturer,” according to the New York State Department of Motor Vehicles. Children over 4 feet, 9 inches tall or more than 100 pounds may ride with seat belts only.

Using a cellphone without a hands-free device is illegal, and texting while driving has been against New York laws since 2011. Fines for cellphone use were increased in 2014.

Yonkers Impaired Driving Laws

The legal limit for drivers over 21 in New York is a blood/breath alcohol level of .08, and violators have their license suspended for three months, as well as be required to take alcohol education classes. For commercial vehicles, the limit is .04, or “other evidence of impairment,” according to New York State's Department of Motor Vehicles. For those under 21, the threshold is .02. First offenders receive a fine, license revocation for 6 months and a possible jail sentence.

A BAC of .18 or higher qualifies for an aggravated DWI charge, punishable by at least a one-year license revocation. For cheap car insurance in Yonkers, consider all the various discounts available.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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