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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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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David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The average cost of car insurance in Staten Island for state-minimum coverage is $164 per month, while the average cost of full-coverage car insurance is $278. You can compare car insurance quotes from multiple insurers to find the best New York car insurance.
Staten Island’s rates are lower than those of other New York City boroughs, but still much higher than those of smaller towns upstate like Syracuse, due to factors like population density, traffic congestion, and crime rates. Though Staten Island’s rates aren’t as high as in surrounding boroughs, the high rates in the rest of the city contribute to a higher overall average cost of car insurance in New York State.
Staten Island also has less public transit than other parts of New York City, so drivers are more dependent on cars for commuting and daily errands. This leads to more traffic and accidents, which causes insurers to increase rates.[1]
The cheapest car insurance in Staten Island is from Erie, at an average monthly rate of $73 for liability insurance.
Staten Island’s average rates, though lower than other boroughs, are still well above New York State’s average liability rate of $153 per month.
While the New York minimum car insurance requirements only include bodily injury liability insurance and property damage liability coverage, you should have full-coverage car insurance in most cases. Liability coverage takes care of medical bills, but it won’t cover damages to your vehicle.
Take a look at the table below to see the cheapest average liability car insurance rates in Staten Island.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $73 |
| USAA | $76 |
| Travelers | $89 |
| State Farm | $104 |
| Allstate | $110 |
| Nationwide | $111 |
| GEICO | $114 |
| Chubb | $203 |
| Progressive | $215 |
| Bristol West | $293 |
Liability quotes start at $73/mo.
Erie has the cheapest average full-coverage car insurance rates in Staten Island, with an average monthly cost of $133. This is lower than the city’s average full-coverage rate of $278 per month.
Staten Island drivers should almost always opt for full coverage. It’s still a dense area with heavy traffic congestion, making collisions and other comprehensive damages more likely. Additionally, vehicle repair costs can be very expensive without insurance.
Check out the table below to see the cheapest average full-coverage car insurance rates in Staten Island.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Erie | $133 |
| USAA | $140 |
| Travelers | $163 |
| State Farm | $190 |
| Allstate | $201 |
| Nationwide | $203 |
| GEICO | $210 |
| CSAA | $244 |
| Chubb | $371 |
| Progressive | $412 |
| Bristol West | $490 |
The Bronx is the most expensive city in New York to get auto insurance in, with an average rate of $287 per month for liability insurance and $415 per month for full-coverage car insurance. Binghamton is the cheapest city for car insurance in New York, with an average liability rate of $81 and a full-coverage rate of $141.
Staten Island’s costs sit right in the middle, at $164 per month for liability coverage and $278 per month for full coverage.
Staten Island’s rates are cheap when it comes to New York City standards, but still well above the state average of $153 per month for liability coverage and $252 per month for full coverage. This is largely due to the NYC borough’s population density and the high rate of insurance fraud in New York City as a whole.[2]
Below, you can see how auto insurance rates vary by city in New York State.
City | Average Monthly Quote |
|---|---|
| Binghamton | $111 |
| Bronx | $351 |
| Brooklyn | $316 |
| Buffalo | $188 |
| Long Island | $282 |
| New York City | $262 |
| Rochester | $122 |
| Schenectady | $113 |
| Staten Island | $221 |
| Syracuse | $149 |
| Utica | $145 |
| Yonkers | $266 |
Car insurance is expensive in Staten Island for a few reasons, including the borough’s lack of public transportation, the city’s high insurance fraud rates, high medical expenses, and heavy traffic congestion.
Residents of NYC’s fifth borough are more heavily reliant on cars to get around than the rest of the city, since it has much more limited public transit options. Compared to other boroughs, Staten Island has the largest number of residents who commute to work by car.
The average cost of car insurance in New York City also drives up rates in Staten Island, as insurers take on higher levels of risk and cost in the other NYC boroughs, leading them to raise rates across the board. Consider your insurance needs when buying a policy, and don’t buy unnecessary coverage or other insurance products that you don’t need.
Drivers with clean records typically pay the cheapest car insurance rates, and that’s no exception in Staten Island.
Here are the cheapest car insurance companies for Staten Island drivers with different driving records:
Cheapest car insurance for Staten Island drivers with a clean driving record: Erie
Cheapest car insurance for drivers with a speeding ticket in Staten Island: Erie
Cheapest car insurance for Staten Island drivers with an at-fault accident: Erie
Cheapest car insurance for drivers with a DUI in Staten Island: Erie
New York is a no-fault car insurance state, meaning that rates are often higher than those in at-fault states. If an accident occurs in Staten Island, both insurers are responsible for costs, regardless of fault.[3]
In Staten Island, 3.6% of Staten Island drivers have a speeding ticket, 4.5% have an at-fault accident, and 0.4% have a DUI, according to Insurify data. New York strictly enforces DUI laws, with mandatory license revocation for at least six months and a fine of $500 to $1,000 for the first offense. Drivers can face up to one year in jail after a first offense, but repeat offenses or more severe DUIs result in harsher punishments.[4]
But even if you have an incident on your record, you can still find affordable car insurance in the city. See how average monthly car insurance rates in Staten Island vary by driving record in the table below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $221 |
| Speeding ticket | $269 |
| At-fault accident | $316 |
| DUI | $380 |
While Staten Island is a part of New York City, it has a much lower population density than Manhattan and Brooklyn. Public transportation in the borough isn’t nearly as extensive as in the rest of the city, so many of its drivers are reliant on cars.
Staten Island has flood-prone areas along its shores, which can lead to higher rates in those areas. Having a full-coverage policy with comprehensive coverage can protect you from flood damage in the city and provide peace of mind.
Parking in the fifth borough is much easier than in other parts of the city, like Brooklyn or Manhattan, due to its lower density. But Staten Island is still subject to NYC’s citywide regulations for alternate-side parking for street cleaning, metered zones, and fire hydrant restrictions. Keep these rules in mind when looking for a parking spot.
Traffic bottlenecks in Staten Island typically happen on and around the Staten Island Expressway (I-278) and the Verrazzano-Narrows Bridge. This heavy congestion can lead to more accidents, causing insurers to increase rates for residents. While traffic fatalities are down so far in 2026, injury collisions are slightly up, according to New York City Police Department data.
The average commute time to work for Staten Islanders is about 45 minutes, with nearly 35% of commuters reporting a commute time of over an hour. Roughly 55% of Staten Island commuters drive alone to work, while about 26% take public transportation. With more drivers than people on public transit, the likelihood of accidents increases, leading to higher accident rates.
Staten Island residents can take the free, 25-minute Staten Island Ferry to Manhattan, but you may face crowds during rush hour. And once you get to Manhattan, many commuters will likely need to continue their journey by subway or on foot, making the overall trip fairly long.
Teen drivers in Staten Island pay the highest rates of any age group in the city, with an average full-coverage car insurance rate of $400 per month. Teens pay higher rates because they’re new drivers with less experience behind the wheel. In fact, car accidents are the leading cause of death for 16- and 17-year-olds in New York State.[5]
Check out the table below to see the cheapest average liability insurance rates for teen drivers in Staten Island.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $121 |
| USAA | $126 |
| Travelers | $169 |
| State Farm | $183 |
| GEICO | $185 |
| Nationwide | $196 |
| Allstate | $197 |
| Progressive | $310 |
| Chubb | $380 |
| Bristol West | $465 |
Insurify partners with top insurers for real quotes
Senior drivers in Staten Island pay the cheapest average rate of any age group in the city, at $113 per month for liability coverage.
Erie is the cheapest insurer for the 26% of drivers in Staten Island aged 60 and older.
Take a look at the table below to see the other cheapest quotes for senior drivers in Staten Island.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $50 |
| USAA | $55 |
| Travelers | $63 |
| State Farm | $73 |
| Nationwide | $75 |
| Allstate | $80 |
| GEICO | $81 |
| Chubb | $136 |
| Progressive | $148 |
| Bristol West | $219 |
If you’re looking for the best car insurance in Staten Island, check out the additional information below about auto insurance coverage in this borough.
Car insurance in Staten Island costs an average of $164 per month for liability coverage and $278 per month for full coverage. Overall, Staten Island drivers pay $221 per month for car insurance.
The cheapest car insurance companies in Staten Island are Erie, USAA, and Travelers. But the cheapest car insurance company for you may be different, so you should always compare car insurance rates before buying a policy.
The average monthly cost of car insurance in New York State is $153 for liability insurance and $252 for full coverage.
Various factors affect your car insurance rates in Staten Island, such as your driving record, credit history, vehicle age, and location. On a location-specific level, New York City’s high insurance fraud rates, the state’s no-fault insurance system, and Staten Island’s high traffic density all influence your average premiums.
Your exact location plays a major role in your rates in Staten Island, as some ZIP codes have higher rates of accidents and theft. Ask your insurance agent what you can do to save on Staten Island auto insurance.
Yes. You can qualify for many available discounts to lower your insurance costs, such as bundling your auto policy with your home insurance, life insurance, or renters insurance policies. You may also earn discounts for being a safe driver, having vehicle safety devices, and enrolling in a telematics program. You can also save by garaging your car if possible, as parking on the street increases the risk for claims. Talk to your insurance agency for additional advice on how you can save money on a policy.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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