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.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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Updated October 29, 2024
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Table of contents
Liability car insurance in Staten Island costs $395 per month, on average — an amount much higher than the state average of $207 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.
Quick Facts
Yearly, Staten Island residents pay an average of $4,738 for liability-only insurance and $5,472 for full coverage.
The average cost of full-coverage insurance in Staten Island is $456 per month. This is much higher than the New York state average of $266 and the national average of $211 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 Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Safeco | 8.3 | $187 | $162 | Low rates |
| Midvale Home & Auto | 3.7 | $280 | $209 | Commuters |
| Liberty Mutual | 7.7 | $282 | $162 | Teachers |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| 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. | $405/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. | $453/mo |
4.5
Best choiceBased on 744 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (416)
Barbara
October 28, 2024
Verified Review
Insurance Keeps Going Up
Please stop raising prices.
Carlotta
October 24, 2024
Verified Review
Excellent
They handled everything very smoothly.
Shirley
October 22, 2024
Verified Review
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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).
AWhy we picked this company
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.
Pros
Diminishing deductible
Mobile app to view ID cards and get roadside help
Cons
Quotes not available online
Limited available discount options
Best insurer for commuters: Midvale Home & Auto
| 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 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 3.2 /10 |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
AWhy we picked this company
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.
Pros
Discounts for new policyholders
Essential coverages for daily drives
Cons
Quotes not available online
Limited customer service hours
Best insurer for teachers: Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| 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. | $193/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. | $282/mo |
3.7
A solid optionBased on 2641 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,541)
Frank
October 29, 2024
Verified Review
Been with them for 27 years, but I'm unsure
They are expensive. We are low mileage drivers with three cars, and only my wife and I are driving.
Gary
October 29, 2024
Verified Review
Price Gouging!
They recently increased my premium from $182 to $231 per month for no apparent reason, other than a general raise for everyone.
Donald
October 29, 2024
Verified Review
Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!
Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.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).
AWhy we picked this company
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.
Pros
Tailored coverage for teachers’ unique needs
Bundling discounts to save money on a car and homeowners policy
Cons
Below-average customer service rating by J.D. Power
Mixed customer reviews
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
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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 $395 per month. Below, you’ll find a table showing the insurance companies offering the lowest rates for liability insurance in Staten Island.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| CSAA | $152 |
| Safeco | $158 |
| Liberty Mutual | $225 |
| Midvale Home & Auto | $226 |
| Progressive | $265 |
| Erie | $357 |
| USAA | $373 |
| Travelers | $435 |
| Bristol West | $438 |
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.
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 $456 per month. Find the most budget-friendly full-coverage car insurance option for you below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| CSAA | $219 |
| Safeco | $235 |
| Midvale Home & Auto | $302 |
| Liberty Mutual | $310 |
| Progressive | $390 |
| Bristol West | $503 |
| Erie | $526 |
| USAA | $548 |
| Travelers | $641 |
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.
Cheapest recent rates near Staten Island, New York
Drivers in and around Staten Island, New York have found policies from Bristol West, USAA, Liberty Mutual, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Staten Island, New York within the last 10 days. Last updated on October 29, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Staten Island, New York within the last 10 days. Last updated on October 29, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
Coverage ▲▼ | Minimum 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 coverage | Equal 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.
Collision coverage
Collision insurance pays for damages to your own vehicle after you hit another car or object, like a utility pole or fence.
Comprehensive coverage
Comprehensive insurance protects your car from theft, vandalism, fire, or natural disasters.
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 $446 per month for liability coverage and $456 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 Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With 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 |
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.
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.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $661 |
| 20s | $599 |
| 30s | $538 |
| 40s | $527 |
| 50s | $480 |
| 60s | $425 |
| 70s | $399 |
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 Car Insurance in Staten Island
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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 $395 per month for liability coverage and $456 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 $193 per month for liability coverage and $282 for full-coverage insurance.
Other top insurance companies in Staten Island include Safeco and Midvale Home & Auto.
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
- 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.
Related articles
More cities in New York
Sources
- New York City Department of Transportation. "Citywide Mobility Survey: Transportation Impacts of COVID-19."
- NOLO. "New York No-Fault Car Insurance."
- https://www.nyc.gov/assets/planning/download/pdf/plans/transportation/peripheral_travel_full.pdf. "Peripheral Travel Study."
- New York Department of Financial Services. "Minimum Auto Insurance Requirements."
- 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."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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
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