Cheap Auto Insurance Quotes in Staten Island, NY (2023)

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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• Cheap Car Insurance New York

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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!

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 .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in New York

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.

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.

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• High-risk Car Insurance New York

• DUI Car Insurance New York

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.

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Find local Staten Island agents

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!

For more detailed New York city level guides, check out these below.

• Average Cost of Car Insurance Rates in New York

• DUI Car Insurance Rates in New York

• High-Risk Driver Car Insurance Rates in New York

• New York Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in New York

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.