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Cheap Auto Insurance Quotes in Staten Island, NY (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Staten Island is $339 per month, or $4068 annually.
- Car insurance in Staten Island is $113 more than the average cost of car insurance in New York.
- The cheapest car insurance provider in Staten Island on average is TSC Direct, but you should always compare quotes to find your best personal rate.
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.
Quotes by Top Companies
GEICO$121
State Farm$182
Progressive$254
Cheapest Car Insurance in Staten Island, NY
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Staten Island | Quotes |
|---|---|
| GEICO | $121 /mo |
| State Farm | $182 /mo |
| Progressive | $254 /mo |
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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 company reviews. The following are the top rated companies that offer car insurance in Staten Island. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $330 /mo |
| Liberty Mutual | 82 | $464 /mo |
| Travelers | 80 | $204 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
Rochester$112
Buffalo$151
Staten Island$186
Average for NY$237
Average for NY$321
Brooklyn$417
Click here to learn about car insurance quotes and save on your current policy.
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.
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 Age | Avg. Monthly Cost |
|---|---|
| teens | $0 |
| 20s | $599 |
| 30s | $263 |
| 40s | $293 |
| 50s | $270 |
| 60s | $283 |
| 70s | $256 |
| 80s | $200 |
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.
| Driving History | Avg. 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 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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $227 |
| Good | $355 |
| Average | $364 |
| Poor | $364 |
See More: Bad Credit Car Insurance New York
Find local Staten Island agents
New York City Business Group
3971 Victory Blvd,
Staten Island, NY 10314Alpha Omega Coverage Corp
1253 Richmond Ave,
Staten Island, NY 10314Cassidy & Rofrano/Robert O. Hampton Inc.
16 Driggs St.,
Staten Island, NY 10308C M & F Group Inc.
653 Forest Ave,
Staten Island, NY 10310-2517R J W Brokerage Corp
651 Willowbrook Rd Ste 204,
Staten Island, NY 10314-6827D M A S Inc
1132 Forest Ave Ste 10,
Staten Island, NY 10310-2407Major Auto Solutions LLC
2793 Amboy Rd,
Staten Island, NY 10306-2157The DiForte Agency Inc.
3871 Amboy Rod,
Staten Island, NY 10308McDermott & Thomas Associates (SI)
1200 South Ave Ste 302,
Staten Island, NY 10314-3420Franklin I. Ury Insurance Agency
79 Sheraden Ave,
Staten Island, NY 10314
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!
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.
FAQs - Staten Island, NY Car Insurance
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. 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. 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.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Staten Island Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Staten Island, New York below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Staten Island drivers measure up to their fellow motorists across New York in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Dodge Dakota
Most Popular Car in Staten Island
#12
City with the Most Speeding Tickets Rank in New York
#75
City with the Most Moving Violations Rank in New York
#37
City with the Most DUIs Rank in New York
#67
City with the Most Suspended Licenses in New York
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Staten Island drivers rank 27 in the number of car accidents per driver across all cities in New York.
- Rank within state: #27
- Percent of drivers in Staten Island with an accident: 7.02%
- Drivers in Staten Island, NY with an accident in their driving history pay on average 14.71% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Staten Island drivers rank 12 in the number of speeding infractions per driver.
- Rank within state: #12
- Percent of drivers in Staten Island with a speeding ticket: 6.38%
- Drivers in Staten Island, NY with a speeding ticket in their driving history pay on average 6.15% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Staten Island drivers rank 37 in the number of DUI’s per driver across all cities in New York.
- Rank within state: #37
- Percent of drivers in Staten Island with a DUI: 0.81%
- Drivers in Staten Island, NY with a DUI in their driving history pay on average 0% more than drivers with a clean record
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, Staten Island drivers rank 2 in rude driving infractions.
- Rank within state: #2
- Percent of drivers in Staten Island with a reckless driving violation: 2.55%
- Drivers in Staten Island, NY with a reckless driving violation in their driving history pay on average -95.99% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Staten Island drivers rank 7 in clean driving records across all cities in New York.
- Rank within state: #7
- Percent of drivers in Staten Island with clean record: 86.21%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Staten Island drivers rank 2 in failure to yield violations per driver across all cities in New York.
- Rank within state: #2
- Percent of drivers in Staten Island with a failure to yield violation: 0.55%
- Drivers in Staten Island, NY with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, Staten Island drivers rank 5 in the number of reckless driving offenses per driver.
- Rank within state: #5
- Percent of drivers in Staten Island with a reckless driving offense: 0.04%
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Staten Island is the Dodge Dakota.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.