Best Cheap Auto Insurance in Staten Island, New York (2023)
The best car insurance companies in Staten Island have affordable premiums, plenty of coverage options for customization, and positive customer satisfaction ratings.
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If you have a car in Staten Island — where two-thirds of residents use one to get to work — you’ll need car insurance to drive legally.[1] Insurance prices are high in this New York City borough because it’s a high-traffic urban area.
The average cost of an insurance policy in Staten Island is $413 for liability-only insurance and $625 for full coverage, according to Insurify data. But it’s still possible to find cheap car insurance in Staten Island.
Quick Facts
Staten Island’s average liability-only insurance rates are 143% higher than the national liability-only average rate.
Travelers has the cheapest full-coverage rates in Staten Island, with an average of $226 a month.
Bristol West is the best car insurance for high-risk drivers in Staten Island who may need an SR-22.
Best car insurance companies in Staten Island
Car insurance rates vary with every company and policyholder, so the best auto insurance company for you will depend on your situation and needs. If you live in Staten Island, here are the best car insurance companies in your area, along with the average quote for a liability-only policy.
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Insurance Company
Best For
Average Monthly Quote: Liability Only
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.
Travelers
Overall
$213
4.3
Safeco
Best value
$363
3.7
Midvale Home & Auto
Most affordable
$331
3.2
Progressive
College students
$562
4.0
Liberty Mutual
Teachers
$494
3.8
Bristol West
High-risk drivers
$743
2.2
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
Best car insurance overall in Staten Island: Travelers
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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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++
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.
$363/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
Travelers is the top pick for the best overall insurance company in Staten Island because it earned an Insurify Quality (IQ) Score of 4.3 out of 5. The company’s budget-friendly rates and excellent reputation set it apart from the rest.
Travelers offers 12 discounts to help you save money and boasts top marks for customer service. In J.D. Power’s 2022 U.S. Auto Insurance Study, the company received a score of 822 out of 1,000 among top insurers in New York.[2]
Travelers also received a financial strength rating of A++ (Superior) from A.M. Best, which means it has the financial reserves to pay out claims.
Pros
Strong overall customer satisfaction and financial strength ratings
Cheapest average rates in Staten Island
Cons
Below-average ratings in J.D. Power’s claims satisfaction study[3]
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.
3.7
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.
$142/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.
$204/mo
Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
They are really patient over the phone, and anytime I can change something on my policy online.
Mildred - August 30, 2023
Verified
Concern-free claims processing.
Billy - August 26, 2023
Verified
My rates have risen twice since being with them with no notice. They also screwed up my account by using the wrong Vin number.
Safeco balances cheap car insurance with an above-average IQ Score of 3.7, making it a great value for policyholders. The company offers many ways to save, such as accident forgiveness, a diminishing deductible, and cash back for staying claims-free. Additionally, some of its coverage options include features that other insurers leave out. For instance, if your car is totaled within a year of buying it, Safeco will pay you the value of a comparable new car.
Pros
Above-average IQ Score
Low rates for liability-only and full-coverage insurance
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
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
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.
$199/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.
$257/mo
Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.
Pros
Backed by the financial strength of American Family
Optional gap insurance and roadside assistance available
Cons
Can’t get a quote online – must call an agent
Poor customer reviews with Better Business Bureau
The cost of living in New York City is among the highest in the world — so if you live in one of its boroughs, you might be looking for ways to save money.[4] Midvale Home & Auto offers the most affordable car insurance rates in Staten Island. Plus, you may also qualify for some of its discounts to further lower your premium.
Pros
Lowest average rates for liability-only coverage
Offers plenty of discounts to help lower premiums
Cons
Limited customer satisfaction ratings
No mobile app for account management or claims filing
Best car insurance in Staten Island for college students: Progressive
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
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.
$247/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.
$350/mo
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
My premiums continue to increase. I have no tickets and no accidents.
Young drivers tend to pay the most for car insurance because they’re inexperienced behind the wheel. But Progressive offers special discounts for policyholders with teen drivers. You can save money on car insurance if your child earns good grades, attends school away from home, or simply joins your policy.
In addition to its discounts, Progressive also earned an above-average IQ Score of 4.0 and an A.M. Best rating of A+ (Superior).
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.
3.8
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.
$223/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.
$289/mo
In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
I don’t like talking to a computer. I’m a one-on-one kind of person.
Teachers can enjoy occupation-specific benefits when they get car insurance with Liberty Mutual. The company waives the deductible if your car is vandalized on school property or during school-related events and if you’re in an accident while driving for school business. Any teaching materials and school-owned property in your car are covered against theft or damage for up to $2,500 per occurrence.
In addition to its special teacher policy, Liberty Mutual boasts an excellent reputation. It has an above-average IQ Score of 3.8, strong ratings in J.D. Power’s claims satisfaction study, and an A.M. Best rating of A (Excellent).[3]
Pros
Offers benefits and special policies for teachers
Strong J.D. Power claims satisfaction rating
Cons
Rates are higher than other insurers
Low J.D. Power customer satisfaction rating in New York segment[2]
Best car insurance in Staten Island for high-risk drivers: Bristol West
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.
2.2
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
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.
$407/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.
$467/mo
Florida-based Bristol West Insurance Company started selling car insurance in 1973. Farmers Insurance now owns the company, which provides private car insurance in 43 states. Bristol specializes in writing policies for difficult-to-insure drivers – for example, those who’ve had a DUI or a lapse in coverage. In addition to liability, collision and comprehensive, Bristol offers optional coverages like rideshare insurance, and rental car coverage. A.M. Best gives Bristol an A rating for financial strength and credit. However, the company has a higher-than average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Provides coverage for difficult-to-insure drivers
Offers rideshare coverage as an extension of your personal policy
Cons
Drivers with moving violations pay very high rates
Lower than average customer satisfaction
Too expensive.
Gregory - August 26, 2023
Verified
The agents are nice, but the price seems high.
Ashley - March 17, 2023
Verified
It’s a great company, but the renewal fee went up too much.
New York City is among the most congested cities in the U.S. — so if you live in one of the city’s five boroughs, you may be more likely to receive a serious traffic citation, which might make finding car insurance difficult.
Bristol West specializes in writing policies for high-risk drivers that other insurers might turn away. This can be a viable option if you have bad marks on your driving record. But because Bristol West also charges the highest premiums in Staten Island, you’ll likely pay much more for coverage.
Pros
Offers coverage for high-risk drivers
Provides car insurance to drivers with poor or no credit
Cons
Much higher rates than other insurers
Poor customer satisfaction ratings with Trustpilot
How to shop for the best car insurance in Staten Island
Prices differ with every car insurance company because they use different underwriting methods for evaluating your driving record, age, gender, and other factors. To find out where you’ll save, follow these steps to shop around:
Consider your needs. New York drivers need a car insurance policy that meets the minimum state requirements. But consider whether you’d like to raise your limits or add optional coverages, like roadside assistance, gap insurance, and rental reimbursement.
Get quotes. You should check rates from at least three companies, and each quote should have the same coverage options and limits. Compare the quotes to see which company offers you the lowest rates with the coverage options you want, but also compare each Staten Island insurer’s customer service reviews and claims-filing process.
Research companies. In addition to offering low rates, the insurance company should also be reputable, offer good customer service, and have the financial reserves to pay out claims.
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How to get the cheapest car insurance in Staten Island
Car insurance can be expensive in Staten Island, but it’s still possible to save money. You can find cheap rates by comparing quotes and taking these steps:
Raise your deductible. Your deductible is your out-of-pocket expense that you pay when making certain insurance claims. Choosing a higher deductible can help you save on your monthly premiums. Be sure you have the savings to cover the higher deductible.
Consider dropping coverage. Collision insurance and comprehensive insurance are optional coverages that protect you financially. But they may not be cost-effective if your car isn’t worth much, so you can drop these coverages to lower your premiums. Just make sure you still maintain New York’s required liability insurance.
Bundle your policies. One of the easiest ways to save money is buying at least two insurance policies — such as auto insurance and homeowners insurance — from the same company. To make sure you come out ahead, compare the price of bundling and the price of getting the policies at separate companies.
Maintain good credit. Insurance companies in New York may use your credit history when setting rates. Generally, people with higher credit scores tend to pay less for car insurance.[5]
Look for discounts. Some companies offer car insurance discounts to help you save money. Your savings depend on the car insurance company and whether you qualify. For instance, you may be able to lower your premium by completing an approved defensive driving course, setting up automatic payments, or paying your premiums up front and in full.
Use a telematics device. You can also save money by installing a device in your car that tracks your driving habits. “But it really doesn’t work for people who live in Staten Island,” says Joann Larosa, an insurance agent at Alpha/Omega Coverage Corp in Staten Island. “Traffic is stop and go here, and it’s really recommended for people in rural areas where they can drive freely.”
Liability-only vs. full-coverage insurance in Staten Island
New York state requires all drivers to carry minimum liability auto insurance. Policies must include a certain level of liability insurance, which covers injuries to the other driver and damage to their vehicle when you cause an accident, and personal injury protection, which pays for your medical bills.
Choosing liability-only insurance may make sense if you own your car outright and it’s an older model. The required car insurance limits in New York are:[6]
$25,000 for bodily injury and $50,000 for the death of one person in an accident
$50,000 for bodily injury and $100,000 for the death of two or more people in an accident
$10,000 per accident for property damage liability
Uninsured motorist coverage at the same liability policy limits
Due to supply chain issues, worker shortages, and technology that’s more expensive to replace, car repair prices have increased by 23% over the last year. If you need to file a claim that exceeds your limits, you’re responsible for covering the remaining balance out of pocket.
“I usually try to encourage people to do a little bit better than [the minimum limits], being the cost of everything is so much these days,” Larosa says.
If you want even more protection, you can purchase full-coverage insurance, which includes collision and comprehensive coverage. Collision insurance pays for damage to your own vehicle when you’re in a car accident, while comprehensive insurance covers noncollision incidents, such as theft and hail damage. Getting full coverage might be a good idea if you’re financing your car or it has a high value.
Here’s a look at the cheapest auto insurance in Staten Island by policy type.
Insurance Company
Average Monthly Quote: Liability Only
Average Monthly Quote: Full Coverage
Travelers
N/A
$226
Safeco
$363
$330
Midvale Home & Auto
$331
$372
Progressive
$562
$474
Liberty Mutual
$494
$553
Bristol West
$743
$915
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.
Staten Island car insurance rates by driving and accident history
Your driving record is another factor that greatly influences how much you pay for car insurance.[7] If you receive a speeding ticket, have a driving under the influence conviction, or cause a car accident, your car insurance rates can rise significantly. For instance, a driver with a clean record pays an average of $529 per month for car insurance. Just one speeding ticket can increase the average rate to $709, representing a 34% hike.
Here’s a look at the average monthly quotes for the cheapest car insurance in Staten Island, New York, based on driving and accident history.
Insurance Company
Clean Record
At-Fault Accident
DUI
Speeding Ticket
Travelers
$226
$323
$450
$303
Safeco
$330
$472
$657
$442
Midvale Home & Auto
$372
$533
$741
$499
Progressive
$474
$677
$943
$635
Liberty Mutual
$553
$791
$1,101
$741
Bristol West
$915
$1,309
$1,822
$1,227
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.
Staten Island car insurance quotes by credit tier
Your credit score shows how well you manage borrowed money and whether you pay bills on time. In New York state, car insurance companies can use your credit score and the details in your credit reports when calculating rates.[5] FICO credit scores range from 350 to 800, and a score of 740 or above is generally considered very good to exceptional.[8] Drivers with credit scores in this range may save as much as $2,000 a year on car insurance compared to drivers with poor credit.
However, insurance companies consider many other factors when determining your rate, and some insurers place less importance on credit. If you have a lower credit score, you can focus on improving it by paying your bills on time and keeping your credit card balances low. In the meantime, focus on safe driving, which can also help you save on car insurance.
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Staten Island car insurance rates by driver age
Age also influences car insurance rates because it signals your driving experience and accident risk.[7] Generally, younger drivers pay the most for car insurance because they have limited experience on the road and a statistically higher risk of getting into an accident.[9]
In Staten Island, the average car insurance rate starts at $723 for drivers younger than 25. Rates start to drop in your 30s, rise in your 40s, and then steadily decline throughout the rest of your life.
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.
Is car insurance more expensive in Staten Island?
Car insurance rates vary widely by location. They’re generally higher in congested urban areas, where you’re more likely to get into an accident or encounter other risks, such as theft.[7]
“We’re very populated here in Staten Island,” Larosa says. “Everyone has a car. And every family gets their child a car. It’s not like in the city or [in] Brooklyn, where people rely more on public transportation.” As a result, people in Staten Island tend to drive more, and they pay much more for car insurance than the rest of the U.S.
A full-coverage policy costs $625 per month in this NYC borough, which is 147% more expensive than the national average premium of $253. And liability-only coverage costs $413 a month in Staten Island, a 142% hike over the national average of $170.
City
Average Monthly Quote
Compared to Staten Island
Utica
$237
-55%
Albany
$263
-50%
Syracuse
$296
-44%
Flushing
$500
-6%
New York City
$550
4%
Bronx
$625
18%
Brooklyn
$670
26%
Jamaica
$674
27%
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.
Find local Staten Island agents
New York City Business Group
3971 Victory Blvd, Staten Island, NY 10314
Alpha Omega Coverage Corp
1253 Richmond Ave, Staten Island, NY 10314
Cassidy & Rofrano/Robert O. Hampton Inc.
16 Driggs St., Staten Island, NY 10308
C M & F Group Inc.
653 Forest Ave, Staten Island, NY 10310-2517
R J W Brokerage Corp
651 Willowbrook Rd Ste 204, Staten Island, NY 10314-6827
D M A S Inc
1132 Forest Ave Ste 10, Staten Island, NY 10310-2407
Major Auto Solutions LLC
2793 Amboy Rd, Staten Island, NY 10306-2157
The DiForte Agency Inc.
3871 Amboy Rod, Staten Island, NY 10308
McDermott & Thomas Associates (SI)
1200 South Ave Ste 302, Staten Island, NY 10314-3420
If you’re shopping for car insurance in Staten Island, here’s some additional information that may help you in your search. You can also check out Insurify’s guides on the best insurance for rideshare and high-risk drivers in New York.
Who has the cheapest car insurance in Staten Island?
The three cheapest car insurance companies in Staten Island are Travelers, Safeco, and Midvale Home & Auto. For drivers with a clean record, these companies offer full-coverage policies for less than $375 per month. These three insurers also offered the lowest rates after a speeding ticket, at-fault accident, and DUI conviction. Rates vary with each company — so by comparing multiple quotes at once, you can find the cheapest car insurance for your situation.
Is car insurance cheaper in Staten Island than in other boroughs?
Car insurance in Staten Island is slightly cheaper than the New York City average of $550 per month. Drivers in the Bronx and Brooklyn pay more than Staten Island residents on average, while drivers in Flushing (a neighborhood of Queens) pay less.
What are the best car insurance companies in Staten Island?
Some of the best car insurance companies in Staten Island include Travelers, Progressive, and Liberty Mutual. These companies all received high Insurify Quality Scores and have solid A.M. Best ratings. While none of them received above-average scores in J.D. Power’s claims satisfaction and customer service studies, their scores were still strong. With Travelers, full-coverage car insurance costs $226 per month on average.
Do you have to have car insurance to drive in Staten Island?
Yes. You must have car insurance to legally drive in Staten Island. In New York, drivers need personal injury protection, uninsured/underinsured coverage, and liability insurance with the following minimum limits:[6]
$25,000 per person and $50,000 per accident in bodily injury liability coverage
$50,000 per person and $100,000 per accident in liability for death
$25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage
$50,000 in personal injury protection
$10,000 per accident in property damage liability coverage
Is Staten Island in a no-fault state?
Yes. Staten Island is in New York, which is a no-fault state.[6] That means after an incident, you’ll file a claim with your own insurance company to cover injuries to you and your passengers — no matter who caused the accident.
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.
Insurance Institute for Highway Safety. "Teenagers." Accessed May 30, 2023
Kim Porter
Kim Porter is a writer and editor who's been creating personal finance content since 2010. Before transitioning to full-time freelance writing in 2018, Kim was the chief copy editor at Bankrate, a managing editor at Macmillan, and co-author of the personal finance book "Future Millionaires' Guidebook." Her work has appeared in AARP's print magazine and on sites such as U.S. News & World Report, Fortune, NextAdvisor, Credit Karma, and more. Kim loves to bake and exercise in her free time, and she plans to run a half marathon on each continent.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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