Cheap Auto Insurance Quotes in Staten Island, NY (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Individuals looking for a place to live that offers easy driving conditions should avoid Staten Island at all costs. Often said to be one of the most frustrating cities to navigate, drivers regularly have to deal with accidents that jam freeways for miles, unexpected bridge closures, and a host of other issues. While Staten Island is said to be the most affordable place in New York City when it comes to car insurance, that doesn’t mean that cheap policies are easy to find. It’s best to consider all of your options when it comes to auto insurance here, particularly because insurance fraud is prevalent.

Car Insurance in Staten Island, NY

The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Staten Island, NY to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Staten Island, NY

Here are the cheapest carriers in Staten Island for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Staten Island, NY

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Staten Island. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Staten Island, NY Driving Facts

Minimum Car Insurance Requirements in NY

The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liablilty insurance requirements in New York are: 

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

  • $50,000 personal injury protection (PIP) per person per accident

New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.

What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily per person
  • $50,000 uninsured/underinsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

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Staten Island Car Insurance Rates by Driver Age

Delaying driving until your 20s on Staten Island is a wise idea for those looking to save money, as individuals under the age of 20 pay an average of $1400 for their car insurance. Once you leave your teen years behind, this drops dramatically down to $598, with yet another big discount when you hit your 30s. While it’s uncommon to find older drivers on the road here, seniors in their 70s and 80s enjoy the cheapest rates of all.

Driver's AgeAvg. Monthly Cost
teens$0
20s$599
30s$263
40s$293
50s$270
60s$283
70s$256
80s$200
Driving HistoryAvg. Monthly Cost
No Violation$308
Speeding Ticket$373
At-Fault Accident$334
Failure to Stop for Red Light / Stop Sign$254

Staten Island Car Insurance Rates by Driving and Accident History

Traffic can be problematic on Staten Island, leading to accidents and a host of other moving violations. Drivers with a clean record get to pay low rates of $307, while those who have received a speeding ticket find their premiums are closer to $372. An at-fault collision won’t cost you nearly as much, with rates averaging $333, and if you fail to stop at an intersection, you’ll likely pay around $253 a month for your coverage.

Staten Island Car Insurance Rates by Credit Tier

Fantastic credit is strongly rewarded on Staten Island, as most motorists don’t see much of a discount on their car insurance otherwise. Drivers with both poor and average credit levels each pay $363, while boosting your score to the good category only saves you about $10. Should you reach the excellent tier, you’ll get to pay a mere $226 for your coverage, proving that paying attention to your creditworthiness is a smart idea.

Credit TieAvg. Monthly Cost
Excellent$227
Good$355
Average$364
Poor$364

Staten Island, NY DMV Information

While it is located near a major highway, visiting Staten Island’s only DMV office can be challenging. The location is open Monday through Friday from 6:30 a.m. to 7 p.m. to handle the large number of customers that come in. Residents in other parts of New York often have a number of DMV locations to visit in neighboring communities, but Staten Island is somewhat removed from the rest of NYC.

Public Transportation in Staten Island, NY

Freeways may be jam-packed at all hours, but that doesn’t mean you can’t get around Staten Island with ease. The ferry is operational seven days a week and allows you to get away from the island whenever you please. Plenty of taxis and rideshare options await you as well, along with another unique option—a bikeshare program. Simply download an app, scan the QR code on the bike, and get pedaling!

Conclusion: How to get the best and cheapest car insurance in Staten Island, NY

Getting behind the wheel in Staten Island isn’t for the faint of heart, so make sure you have a good GPS and plenty of time to get to your destination before you hit the road. For even more peace of mind, take some time to evaluate your current auto insurance coverage, and see if it offers everything you’re looking for.

If you’re shopping for a new policy, you don’t have to spend much time to find the best car insurance rates. After answering a few basic questions, you’ll be able to compare quotes at Insurify and discover the perfect auto policy for you.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Staten Island stacks up for the state of New York:

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Nissan Altima
Most Popular Car in
Staten Island, NY
suspended licenses
#22
Cities with Most
Suspended Licenses Rank

FAQs - Staten Island, NY Car Insurance

Can I get affordable car insurance in Staten Island?

Auto coverage rates tend to be quite high in New York, but Staten Island residents pay the least compared to those in neighboring cities. Your individual rate will be based on your driving history as well as a number of other factors.

Why is auto coverage so high in New York?

The state has a high number of insurance fraud cases, leading insurance companies to charge more for coverage. Many cities in the state are also hubs for accidents, which also contributes to rising rates.

Do I have to have car insurance to drive in Staten Island?

Yes, New York requires all drivers to carry a minimum of $25,000 for bodily injury, $10,000 for property damage, and $50,000 for “no-fault” coverage. Drivers have the option to add additional features as they see fit.