Cheapest Auto Insurance in Staten Island, New York (2024)

CSAA has the cheapest liability insurance in Staten Island, with liability rates as low as $152 per month.

Amy Beardsley
Escrito porAmy Beardsley
Photo of an Insurify author
Amy BeardsleyEscritora de seguros

Amy es una escritora de marketing de contenido quien especializa en finanzas personales y tecnología. Con una formación en el sector legal, tiene un talento de transformar temas complejos en contenido fácil de entender. Cuando no está escribiendo, a ella le gusta leer y jugar a los juegos de mesa con su familia. Puede aprender más sobre Amy al visitar amybeardsley.com.

Katie Powers
Editado porKatie Powers
Photo of an Insurify author
Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

Actualizado el 3 de mayo de 2024

Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

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.

¿Por qué puedes confiar en Insurify: Insurify es la plataforma mejor valorada de comparación de seguros en América. Nos asociamos con compañías principales de seguros, y somos licenciados en todos los 50 estados. No obstante, los expertos en seguros que escriben nuestro contenido operan de manera independiente de estos socios, y se puede aprender más de cómo hacemos dinero al ver nuestra revelación de anuncios. También mira reseñas de más de 3,000 clientes satisfechos, nuestra metodología de datos, y nuestros estándares editoriales.

Liability car insurance in Staten Island costs $392 per month, on average — an amount much higher than the state average of $142 and the national average of $104.

Compared to people in other New York City boroughs, Staten Island residents rely more heavily on cars for daily errands, leading to increased traffic and accidents.[1] Many areas are also flood-prone, further contributing to higher premiums.

Here’s what you need to know about finding cheap car insurance in Staten Island, including the importance of comparing quotes and coverage options.

Datos Breves
  • Yearly, Staten Island residents pay an average of $4,704 for liability-only insurance and $5,944 for full coverage.

  • The average cost of full-coverage insurance in Staten Island is $495 per month. This is much higher than the New York state average of $169 and the national average of $214 per month for full-coverage insurance.

  • New York is a no-fault state, which means that your own insurance will cover your medical bills and other losses following a car incident.[2]

3 of the cheapest car insurance companies in Staten Island 

The cheapest car insurance companies in Staten Island might look different for residents throughout the city. The best insurance company for you depends on your situation and needs, so comparing quotes from several companies is crucial to finding the best policy.

Start your search below with three of the cheapest car insurance companies in Staten Island. The quotes below reflect statewide average rates in New York.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
Safeco4.2$189$146Low rates
Midvale Home & Auto3.7$280$209Commuters
Liberty Mutual3.9$278$149Teachers
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for low rates: Safeco

Compare personalized, real-time quotes
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.
4.2
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.
$146/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.
$189/mo

Safeco offers some of the lowest rates among all car insurers in Staten Island despite having fewer available discounts than other companies. Its RightTrack program rewards safe driving habits like gentle braking, daytime driving, and low mileage with lower premiums.

If you have a mishap, ask your insurance agent about accident forgiveness to help keep costs down.

Ventajas
  • Diminishing deductible

  • Mobile app to view ID cards and get roadside help

Contras
  • Quotes not available online

  • Limited available discount options

Read our Safeco review
Gary - April 13, 2024
Verified

Excellent

A very good auto insurance company.

Tammy - April 8, 2024
Verified

Bad

The underwriter is incompetent. Your staff didn't renew my policy and sent a rude letter stating that I have debris or algae on my roof.

Carol - April 6, 2024
Verified

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

Best insurer for commuters: Midvale Home & Auto

Compare personalized, real-time quotes
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.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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 aaa (exceptional) to c (poor).
A

Midvale Home & Auto is the best choice for commuters. In relation to other New York City boroughs, Staten Island has the highest percentage of residents commuting by car and one of the longest average commute times in the area at 44 minutes.[3]

Midvale Home & Auto gives you peace of mind with essential coverages like roadside assistance, gap insurance, and rental car reimbursement. Automatic payments, paperless billing, and paying your policy in full can help you knock a few bucks off your premiums.

Ventajas
  • Discounts for new policyholders

  • Essential coverages for daily drives

Contras
  • Quotes not available online

  • Limited customer service hours

Best insurer for teachers: Liberty Mutual

Compare personalized, real-time quotes
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.
3.9
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.
$192/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.
$278/mo

Liberty Mutual stands out for teacher-specific auto insurance coverage options and perks. The company waives your deductible if you’re in a car accident while driving on school business, someone vandalizes your vehicle on school property, or it suffers damage during school-related events.

Plus, Liberty Mutual’s auto insurance policies provide extra protection for teaching materials and school-owned property against theft or damage while in your vehicle.

Ventajas
  • Tailored coverage for teachers’ unique needs

  • Bundling discounts to save money on a car and homeowners policy

Contras
  • Below-average customer service rating by J.D. Power

  • Mixed customer reviews

Read our Liberty Mutual review
Stephanie - April 30, 2024
Verified

No

Don't buy it, shop around.

Kevin - April 20, 2024
Verified

Affordable Rates

They are cheaper than anyone else. Comparing with other companies, even through your company, seems like a joke.

Christine - April 20, 2024
Verified

I Want to Trust My Insurance Salesman

I hope that Liberty is truthful about their car insurance. They promised that after three months, I would receive mileage credit as I drive less than 50 miles a month.

How to get the cheapest car insurance in Staten Island

Comparing quotes from multiple insurance companies is crucial to securing a great deal from the best car insurance companies.

But understanding what insurance companies look for is the first step to finding cheap car insurance quotes in the Staten Island area. Insurers consider your driving record, vehicle make and model, age, credit history, and how much coverage you need.

In addition, some tips to secure cheaper New York auto insurance quotes include:

  • Maintain a clean driving record. Avoid accidents and traffic violations to qualify for better rates.

  • Choose a car with good safety features. Advanced safety features can lead to lower insurance premiums.

  • Go with a higher deductible. Policyholders with lower deductibles pay higher rates. Increase your deductible if you can afford a higher out-of-pocket expense when filing a claim.

  • Bundle your policies. If you’re one of the nearly 70% of Staten Islanders who own a home, consider bundling your homeowners insurance with your car insurance.

Find Cheap Car Insurance in Staten Island

Liability quotes start at $152 per month

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest liability-only car insurance in Staten Island: CSAA

Liability-only car insurance is the most basic form of coverage. It pays for damage you cause to other people’s property and medical expenses for injuries you cause to others in an accident. But it stops short of covering damages to your own vehicle or personal medical bills.

In Staten Island, the average cost of liability-only car insurance is $392 per month. Below, you’ll find a table showing the insurance companies offering the lowest rates for liability insurance in Staten Island.

Insurance CompanyAverage Monthly Quote
CSAA$152
Safeco$158
Liberty Mutual$225
Midvale Home & Auto$226
Progressive$265
Erie$357
USAA$373
Travelers$435
Bristol West$438
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest full-coverage car insurance in Staten Island: CSAA

For protection beyond what you get with a liability policy, consider full-coverage insurance. It includes collision insurance to cover damages to your own vehicle and comprehensive coverage for non-collision incidents like theft or natural disasters. It’s a good idea if you have a newer or more expensive car or if you’re financing or leasing your vehicle.

Full-coverage car insurance in Staten Island costs an average of $495 per month. Find the most budget-friendly full-coverage car insurance option for you below.

Insurance CompanyAverage Monthly Quote
CSAA$219
Safeco$235
Midvale Home & Auto$302
Liberty Mutual$310
Progressive$390
Bristol West$503
Erie$526
USAA$548
Travelers$641
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Estimate your Staten Island car insurance costs

Selecciona los descuentos que se aplican a ti
Ahorra 25%
Ahorra 4%
Ahorra 20%
Ahorra 38%
Edad
Puntaje de crédito
¿Estás asegurado?
Tu oferta estimada

*Estimación basada en un promedio de tarifas proporcionadas a otros usuarios como tú.

Selecciona los descuentos que se aplican a ti

Car insurance requirements in New York

New York is a no-fault state. That means each driver’s own insurance agency covers their medical expenses and other damages after a car accident, regardless of who caused it. To drive legally, state law requires drivers to carry liability insurance, personal injury protection (PIP), and uninsured motorist coverage.[4]

Here are the specific minimum-coverage requirements in New York.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person ($50,000 for death of one person) / $50,000 per accident ($100,000 for death of two or more people)
Property damage liability$10,000 per accident
Personal injury protection$50,000 per accident
Uninsured motorist coverageEqual to amounts of liability coverage

While New York law mandates minimum car insurance coverage, you can increase your coverage limits for liability and no-fault PIP insurance and purchase insurance add-ons to better protect your vehicle and meet your needs.

Consider common insurance endorsements below.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Collision coverage

    Collision insurance pays for damages to your own vehicle after you hit another car or object, like a utility pole or fence.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance protects your car from theft, vandalism, fire, or natural disasters.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage provides help if you experience a breakdown, flat tire, or other issues while on the road, offering towing, jump-starts, and more.

Cheapest car insurance for drivers with an incident

Incidents like speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations can affect your car insurance rates in a big way. Insurers view drivers with incidents like these as higher risk, meaning they’re more likely to file claims. It’s why drivers with incidents on their records face higher premiums than people with clean driving histories.

The severity and frequency of incidents also play a role in how incidents affect your insurance costs. On average, Staten Island drivers with a past incident pay $490 per month for liability coverage and $495 for full-coverage insurance.

Keep in mind that affordable car insurance in Staten Island is still possible if you take the time to compare quotes from multiple insurance companies. Here are minimum-coverage rates from top insurers for Staten Island drivers with violations on their records.

Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
CSAA$152$172$172$202
Safeco$158$179$178$210
Liberty Mutual$225$255$253$298
Midvale Home & Auto$226$256$255$300
Progressive$265$301$299$352
Erie$357$404$402$474
USAA$373$422$420$495
Travelers$435$493$491$578
Bristol West$438$496$494$581
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average cost of car insurance by age

Age affects auto insurance premiums. Teens and young drivers pay the most expensive premiums because they lack experience and are at higher accident risk. Rates generally decrease around age 35.

But senior drivers in Staten Island age 70 and older might see a slight increase in their car insurance bill due to age-related factors affecting their ability behind the wheel.

Look at the table below to see if you’re paying more than your peers for car insurance. It shows the average monthly quote for Staten Island drivers based on age group.

AgeAverage Monthly Quote
Teens$661
20s$599
30s$538
40s$527
50s$480
60s$425
70s$399
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Find Car Insurance in Staten Island

Insurify partners with 100+ insurers for real quotes

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Staten Island car insurance quotes by credit tier

In Staten Island, as in the rest of New York, insurance companies can consider credit-based insurance scores when setting car insurance rates. Insurers link drivers with higher scores to a lower risk of filing future claims and may offer them better rates. Drivers with poor credit scores may face higher premiums since insurers view them as a greater financial risk.

In fact, an April 2023 study by the Consumer Federation of America (CFA) revealed New York drivers with less-than-perfect credit “pay significantly higher auto insurance premiums” than drivers with excellent credit, even if they have a spotless driving record.[5]

Rates by Credit Tier

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.

Staten Island car insurance FAQs

Before you start shopping for car insurance, you should decide how much auto coverage you need. The following information can help answer your remaining questions about finding cheap car insurance in Staten Island.

  • How much is car insurance in Staten Island?

    The average cost of car insurance in Staten Island is $392 per month for liability coverage and $495 for full-coverage insurance.

    How much you pay for car insurance will ultimately depend on your driving record, credit history, age, chosen coverage, and other factors.

  • Who has the cheapest car insurance in Staten Island?

    CSAA has a liability insurance rate of $152 per month and is the cheapest insurer in Staten Island.

    Safeco and Liberty Mutual also have respective liability insurance rates of $158 and $225 per month. The best way to find cheap auto coverage is to compare quotes from multiple insurance companies at once.

  • What are the best car insurance companies in Staten Island?

    With an AM Best financial strength rating of A (Excellent) and high claims satisfaction from J.D. Power, Liberty Mutual is one of the best car insurance companies in Staten Island. The average cost of car insurance from Liberty Mutual in New York is $192 per month for liability coverage and $278 for full-coverage insurance.

    Other top insurance companies in Staten Island include Safeco and Midvale Home & Auto.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. New York City Department of Transportation. "Citywide Mobility Survey: Transportation Impacts of COVID-19."
  2. NOLO. "New York No-Fault Car Insurance."
  3. https://www.nyc.gov/assets/planning/download/pdf/plans/transportation/peripheral_travel_full.pdf. "Peripheral Travel Study."
  4. New York Department of Financial Services. "Minimum Auto Insurance Requirements."
  5. Consumer Federation of America. "The Thousand Dollar Insurance Penalty: How Insurance Companies’ Credit Scoring and ZIP Code Rating Push Up Premiums for Safe Drivers in New York."
Amy Beardsley
Amy BeardsleyEscritora de seguros

Amy es una escritora de marketing de contenido quien especializa en finanzas personales y tecnología. Con una formación en el sector legal, tiene un talento de transformar temas complejos en contenido fácil de entender. Cuando no está escribiendo, a ella le gusta leer y jugar a los juegos de mesa con su familia. Puede aprender más sobre Amy al visitar amybeardsley.com.

Katie Powers
Editado porKatie PowersEscritora de seguros
Photo of an Insurify author
Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

Compara cotizaciones de seguros de auto instantáneamente

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers