Cheapest Auto Insurance in Staten Island, New York (2025)

Liability car insurance in Staten Island costs $182 per month, on average — an amount much higher than the state average of $182 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.

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.

Best insurer for low rates: Safeco

Best insurer for commuters: CSAA

Best insurer for teachers: Liberty Mutual

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.

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 $182 per month. Below, you’ll find a table showing the insurance companies offering the lowest rates for liability insurance in Staten Island.

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 $231 per month. Find the most budget-friendly full-coverage car insurance option for you below.

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.

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.

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 $228 per month for liability coverage and $231 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.

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.

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