Cheapest Auto Insurance in Staten Island, New York (2024)

CSAA has the cheapest liability insurance in Staten Island, with liability rates as low as $152 per month.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated May 23, 2024

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Liability car insurance in Staten Island costs $392 per month, on average — an amount much higher than the state average of $141 and the national average of $104.

Compared to people in other New York City boroughs, Staten Island residents rely more heavily on cars for daily errands, leading to increased traffic and accidents.[1] Many areas are also flood-prone, further contributing to higher premiums.

Here’s what you need to know about finding cheap car insurance in Staten Island, including the importance of comparing quotes and coverage options.

Quick Facts
  • Yearly, Staten Island residents pay an average of $4,704 for liability-only insurance and $5,944 for full coverage.

  • The average cost of full-coverage insurance in Staten Island is $495 per month. This is much higher than the New York state average of $163 and the national average of $215 per month for full-coverage insurance.

  • New York is a no-fault state, which means that your own insurance will cover your medical bills and other losses following a car incident.[2]

3 of the cheapest car insurance companies in Staten Island 

The cheapest car insurance companies in Staten Island might look different for residents throughout the city. The best insurance company for you depends on your situation and needs, so comparing quotes from several companies is crucial to finding the best policy.

Start your search below with three of the cheapest car insurance companies in Staten Island. The quotes below reflect statewide average rates in New York.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Safeco4.2$176$151Low rates
Midvale Home & Auto3.7$280$209Commuters
Liberty Mutual3.9$274$148Teachers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for low rates: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$151/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$176/mo

Safeco offers some of the lowest rates among all car insurers in Staten Island despite having fewer available discounts than other companies. Its RightTrack program rewards safe driving habits like gentle braking, daytime driving, and low mileage with lower premiums.

If you have a mishap, ask your insurance agent about accident forgiveness to help keep costs down.

Pros
  • Diminishing deductible

  • Mobile app to view ID cards and get roadside help

Cons
  • Quotes not available online

  • Limited available discount options

Read our Safeco review
Jennetta - May 19, 2024
Verified

Too High for Three Years Without a Claim and Only 5000 Miles of Local Driving

Search around, it's much too high.

Jonathan - May 19, 2024
Verified

The Moment You Have an Accident, Start Looking for a New Insurance Company

The experience was absolutely great until they decided not to renew my policy due to an accident. I felt so betrayed by a company that I had been using for over 5 years.

Samuel - May 13, 2024
Verified

Unfortunate Recent Experience with Safeco

I wouldn't recommend them. They keep increasing your premiums every year. Last time, they cited inflation as the reason, the time before that it was due to RVs, and the time before that because the Dodgers were high.

Best insurer for commuters: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A

Midvale Home & Auto is the best choice for commuters. In relation to other New York City boroughs, Staten Island has the highest percentage of residents commuting by car and one of the longest average commute times in the area at 44 minutes.[3]

Midvale Home & Auto gives you peace of mind with essential coverages like roadside assistance, gap insurance, and rental car reimbursement. Automatic payments, paperless billing, and paying your policy in full can help you knock a few bucks off your premiums.

Pros
  • Discounts for new policyholders

  • Essential coverages for daily drives

Cons
  • Quotes not available online

  • Limited customer service hours

Best insurer for teachers: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$189/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$274/mo

Liberty Mutual stands out for teacher-specific auto insurance coverage options and perks. The company waives your deductible if you’re in a car accident while driving on school business, someone vandalizes your vehicle on school property, or it suffers damage during school-related events.

Plus, Liberty Mutual’s auto insurance policies provide extra protection for teaching materials and school-owned property against theft or damage while in your vehicle.

Pros
  • Tailored coverage for teachers’ unique needs

  • Bundling discounts to save money on a car and homeowners policy

Cons
  • Below-average customer service rating by J.D. Power

  • Mixed customer reviews

Read our Liberty Mutual review
Kathryn - May 21, 2024
Verified

Liberty Mutual Insurance Issue

I couldn't bundle home and car insurance because their app was not functioning on my phone.

Sherry - May 21, 2024
Verified

Quick Payment, But Higher Rates

They pay quickly, but then they raise your rates.

Tom - May 20, 2024
Verified

Fair

They raised my rates by $500 last year. I'm 64 years old, I thought my rates would go down.

How to get the cheapest car insurance in Staten Island

Comparing quotes from multiple insurance companies is crucial to securing a great deal from the best car insurance companies.

But understanding what insurance companies look for is the first step to finding cheap car insurance quotes in the Staten Island area. Insurers consider your driving record, vehicle make and model, age, credit history, and how much coverage you need.

In addition, some tips to secure cheaper New York auto insurance quotes include:

  • Maintain a clean driving record. Avoid accidents and traffic violations to qualify for better rates.

  • Choose a car with good safety features. Advanced safety features can lead to lower insurance premiums.

  • Go with a higher deductible. Policyholders with lower deductibles pay higher rates. Increase your deductible if you can afford a higher out-of-pocket expense when filing a claim.

  • Bundle your policies. If you’re one of the nearly 70% of Staten Islanders who own a home, consider bundling your homeowners insurance with your car insurance.

Find Cheap Car Insurance in Staten Island

Liability quotes start at $152 per month

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Cheapest liability-only car insurance in Staten Island: CSAA

Liability-only car insurance is the most basic form of coverage. It pays for damage you cause to other people’s property and medical expenses for injuries you cause to others in an accident. But it stops short of covering damages to your own vehicle or personal medical bills.

In Staten Island, the average cost of liability-only car insurance is $392 per month. Below, you’ll find a table showing the insurance companies offering the lowest rates for liability insurance in Staten Island.

Insurance CompanyAverage Monthly Quote
CSAA$152
Safeco$158
Liberty Mutual$225
Midvale Home & Auto$226
Progressive$265
Erie$357
USAA$373
Travelers$435
Bristol West$438
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Staten Island: CSAA

For protection beyond what you get with a liability policy, consider full-coverage insurance. It includes collision insurance to cover damages to your own vehicle and comprehensive coverage for non-collision incidents like theft or natural disasters. It’s a good idea if you have a newer or more expensive car or if you’re financing or leasing your vehicle.

Full-coverage car insurance in Staten Island costs an average of $495 per month. Find the most budget-friendly full-coverage car insurance option for you below.

Insurance CompanyAverage Monthly Quote
CSAA$219
Safeco$235
Midvale Home & Auto$302
Liberty Mutual$310
Progressive$390
Bristol West$503
Erie$526
USAA$548
Travelers$641
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in New York

New York is a no-fault state. That means each driver’s own insurance agency covers their medical expenses and other damages after a car accident, regardless of who caused it. To drive legally, state law requires drivers to carry liability insurance, personal injury protection (PIP), and uninsured motorist coverage.[4]

Here are the specific minimum-coverage requirements in New York.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person ($50,000 for death of one person) / $50,000 per accident ($100,000 for death of two or more people)
Property damage liability$10,000 per accident
Personal injury protection$50,000 per accident
Uninsured motorist coverageEqual to amounts of liability coverage

While New York law mandates minimum car insurance coverage, you can increase your coverage limits for liability and no-fault PIP insurance and purchase insurance add-ons to better protect your vehicle and meet your needs.

Consider common insurance endorsements below.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Collision coverage

    Collision insurance pays for damages to your own vehicle after you hit another car or object, like a utility pole or fence.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance protects your car from theft, vandalism, fire, or natural disasters.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage provides help if you experience a breakdown, flat tire, or other issues while on the road, offering towing, jump-starts, and more.

Cheapest car insurance for drivers with an incident

Incidents like speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations can affect your car insurance rates in a big way. Insurers view drivers with incidents like these as higher risk, meaning they’re more likely to file claims. It’s why drivers with incidents on their records face higher premiums than people with clean driving histories.

The severity and frequency of incidents also play a role in how incidents affect your insurance costs. On average, Staten Island drivers with a past incident pay $490 per month for liability coverage and $495 for full-coverage insurance.

Keep in mind that affordable car insurance in Staten Island is still possible if you take the time to compare quotes from multiple insurance companies. Here are minimum-coverage rates from top insurers for Staten Island drivers with violations on their records.

Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
CSAA$152$172$172$202
Safeco$158$179$178$210
Liberty Mutual$225$255$253$298
Midvale Home & Auto$226$256$255$300
Progressive$265$301$299$352
Erie$357$404$402$474
USAA$373$422$420$495
Travelers$435$493$491$578
Bristol West$438$496$494$581
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Age affects auto insurance premiums. Teens and young drivers pay the most expensive premiums because they lack experience and are at higher accident risk. Rates generally decrease around age 35.

But senior drivers in Staten Island age 70 and older might see a slight increase in their car insurance bill due to age-related factors affecting their ability behind the wheel.

Look at the table below to see if you’re paying more than your peers for car insurance. It shows the average monthly quote for Staten Island drivers based on age group.

AgeAverage Monthly Quote
Teens$661
20s$599
30s$538
40s$527
50s$480
60s$425
70s$399
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Staten Island car insurance quotes by credit tier

In Staten Island, as in the rest of New York, insurance companies can consider credit-based insurance scores when setting car insurance rates. Insurers link drivers with higher scores to a lower risk of filing future claims and may offer them better rates. Drivers with poor credit scores may face higher premiums since insurers view them as a greater financial risk.

In fact, an April 2023 study by the Consumer Federation of America (CFA) revealed New York drivers with less-than-perfect credit “pay significantly higher auto insurance premiums” than drivers with excellent credit, even if they have a spotless driving record.[5]

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Staten Island car insurance FAQs

Before you start shopping for car insurance, you should decide how much auto coverage you need. The following information can help answer your remaining questions about finding cheap car insurance in Staten Island.

  • How much is car insurance in Staten Island?

    The average cost of car insurance in Staten Island is $392 per month for liability coverage and $495 for full-coverage insurance.

    How much you pay for car insurance will ultimately depend on your driving record, credit history, age, chosen coverage, and other factors.

  • Who has the cheapest car insurance in Staten Island?

    CSAA has a liability insurance rate of $152 per month and is the cheapest insurer in Staten Island.

    Safeco and Liberty Mutual also have respective liability insurance rates of $158 and $225 per month. The best way to find cheap auto coverage is to compare quotes from multiple insurance companies at once.

  • What are the best car insurance companies in Staten Island?

    With an AM Best financial strength rating of A (Excellent) and high claims satisfaction from J.D. Power, Liberty Mutual is one of the best car insurance companies in Staten Island. The average cost of car insurance from Liberty Mutual in New York is $189 per month for liability coverage and $274 for full-coverage insurance.

    Other top insurance companies in Staten Island include Safeco and Midvale Home & Auto.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. New York City Department of Transportation. "Citywide Mobility Survey: Transportation Impacts of COVID-19."
  2. NOLO. "New York No-Fault Car Insurance."
  3. https://www.nyc.gov/assets/planning/download/pdf/plans/transportation/peripheral_travel_full.pdf. "Peripheral Travel Study."
  4. New York Department of Financial Services. "Minimum Auto Insurance Requirements."
  5. Consumer Federation of America. "The Thousand Dollar Insurance Penalty: How Insurance Companies’ Credit Scoring and ZIP Code Rating Push Up Premiums for Safe Drivers in New York."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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