+120 more)
Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
)
)
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average cost of car insurance in Staten Island is $460 per month — much higher than the New York statewide average of $170, according to Compare.com data. Drivers in Staten Island pay an average of $392 per month for liability insurance and $528 for full coverage.
Staten Island — New York City’s southwesternmost borough — has high rates partially because of New York City’s high population density and heavy traffic. Because of the heavy traffic congestion across the New York metropolitan area, insurers see drivers as more likely to get into accidents here.
But Staten Island drivers still have plenty of affordable coverage options to choose from. Use our guide to learn how to save on coverage and find the cheapest car insurance companies in Staten Island.
AAA has the cheapest car insurance in Staten Island, with an average monthly rate of $218.
Safeco is the cheapest insurer for senior drivers in Staten Island.
New York requires all drivers to have liability limits of at least 25/50/10 and uninsured motorist coverage at the same limits.
Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Staten Island | $392 | $528 | $460 |
| New York state | $153 | $187 | $170 |
| National average | $92 | $176 | $135 |
The average cost of car insurance in Staten Island is $460 per month, according to Compare.com data. Drivers in “the forgotten borough” pay an average of $392 per month for liability insurance and $528 for full coverage.
But your exact car insurance premium will differ from these averages and will depend on your driving record, age, ZIP code, and numerous other factors. Before buying an auto insurance policy, it’s always a good idea to compare quotes from at least three insurers.
We’ve uncovered the cheapest car insurance companies in Staten Island for you in the table below.
Compare quotes from Staten Island’s top insurers.
While Staten Island’s expensive average rates might be discouraging, don’t fret — you still have plenty of affordable auto insurance companies to choose from and several ways to save.
Take a look at the table below to start your search. It highlights the three cheapest insurance companies in Staten Island, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| AAA | $218 |
| Safeco | $226 |
| Liberty Mutual | $303 |
AAA takes the top spot as the cheapest car insurance company in Staten Island, with an average rate of only $218 per month. But it might not be the right option for you since each insurer weighs driving factors differently.
In later sections, we’ll explore the best companies for different types of drivers in Staten Island.
)
One company won’t be the best car insurance option for everyone. The right coverage for you meets your needs at a reasonable price — but it isn’t necessarily the cheapest company. Keep this in mind when comparing policies.
Fortunately, you have plenty of good insurers to choose from as a Staten Island driver. We picked the three insurance companies below based on a combination of average rates, available coverages and discounts, and customer satisfaction ratings.
Average premium: $218 per month
Compare.com Rating: 4.28 out of 5
Some of the cheapest rates in Staten Island
Highly rated roadside assistance program
Must be a member of AAA
Coverage availability differs by region
At an average of $218 per month, AAA offers some of the cheapest coverage in Staten Island, according to Compare.com data. It also earned an A (Excellent) rating from AM Best, meaning it’s reliable when paying claims.
The only major drawback is that you need to be an existing AAA member to buy a policy — membership starts around $65 per year and comes with other benefits, such as towing and roadside assistance.
Average premium: $226 per month
Compare.com Rating: 4.59 out of 5
Among the cheapest rates for Staten Island seniors
A (Excellent) rating from AM Best
Doesn’t offer many discounts
Below-average customer satisfaction
Our research found that Safeco offers Staten Island seniors some of the cheapest car insurance rates, at $177 per month. Safeco doesn’t offer discounts specific to seniors, but it offers several savings programs, like safe driver and bundling discounts. Seniors can also save as much as 30% when they enroll in the RightTrack program.
Average premium: $303 per month
Compare.com Rating: 4.62 out of 5
Numerous discounts and insurance products
Rewards safe driving through RightTrack
More complaints than average
More expensive than other insurers
Liberty Mutual is a good choice for Staten Island residents looking to leverage discounts for greater savings. Multi-car, multi-policy, and paperless discounts are just a few of its offerings. It also has an A (Excellent) financial strength rating from AM Best.
But the company has more complaints than average, according to the National Association of Insurance Commissioners (NAIC).
Find the best Staten Island insurer for you in minutes.
The coverage levels you choose significantly affect your rates. Liability-only car insurance is the bare-minimum amount of coverage you can have in most states — but you still need to purchase your state’s minimum limits. Though liability policies are the cheapest option, they can leave you vulnerable to financial losses.
Basic liability only covers the medical expenses and property damage of other drivers and their passengers, not yours or your passengers’. But if you don’t use your car much, it may be worth considering.
Check out the table below for the cheapest insurers for liability coverage in Staten Island, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| AAA | $180 |
| Safeco | $182 |
| Liberty Mutual | $255 |
AAA is the cheapest option for liability coverage in Staten Island, with an average rate of $180 per month. If you need more coverage, consider a full-coverage car insurance policy — we explain it in more detail below.
)
Full-coverage car insurance typically includes liability insurance, collision coverage, and comprehensive coverage. Collision and comprehensive insurance pay for repairs or replacement after a car accident or non-collision event.
State laws don’t require you to have full coverage, but most lenders will if you have a loan or lease. Full coverage is more expensive than liability coverage, but the extra protection is often worth it.
Check out the table below for Staten Island’s cheapest full-coverage insurers, according to our research.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| AAA | $255 |
| Safeco | $268 |
| Liberty Mutual | $348 |
AAA is the cheapest option in Staten Island for full coverage, with an average rate of $255 per month.
Your age dramatically affects your car insurance rates. Younger drivers pay the most since they have less experience and insurers consider them more likely to file claims. Thankfully, rates typically decrease as you age. Older drivers enjoy lower rates, provided they have clean driving records.
Check out the table below to see how rates change with age in Staten Island, according to Compare.com data.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $706 | AAA | $350 |
| 20s | $428 | AAA | $228 |
| 30s | $403 | AAA | $208 |
| 40s | $394 | AAA | $204 |
| 50s | $366 | AAA | $187 |
| 60s | $319 | AAA | $158 |
| 70s | $293 | Safeco | $177 |
Below, we’ll discuss the cheapest insurers for the youngest and oldest drivers in Staten Island in more detail.
Teen drivers pay the most because they’re more likely to engage in dangerous driving behaviors. Young drivers have a fatal crash rate roughly three times the rate of drivers over the age of 20, according to the Centers for Disease Control and Prevention (CDC). Because of this, insurers view them as high-risk and charge higher rates to offset the risk.
Teenage drivers in Staten Island pay an average overall rate of $706 per month for car insurance coverage, according to our data. But teens can find the cheapest average coverage with AAA, at $350 per month.
Senior drivers enjoy cheaper rates because they’re more experienced and typically drive more safely than younger drivers. Insurers consider them a lower risk, so they offer them more affordable rates. But once driving impairments like poor vision become a factor for older drivers, and rates often increase again around age 70.
The average senior driver in Staten Island pays $293 per month, but Safeco offers policies for as low as $177 per month, according to our analysis.
)
Your driving record has the most significant effect on your auto insurance rates. Insurers look at it to determine how risky you are to insure. If your record is spotless, you’ll enjoy the cheapest rates. But if you have a couple of infractions in your driving history, your premiums will creep up.
Check out the table below to see how different driving records can affect auto insurance rates in Staten Island, according to our analysis.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $392 | AAA | $207 |
| Speeding ticket | $440 | AAA | $243 |
| At-fault accident | $441 | AAA | $258 |
| DUI | $518 | AAA | $296 |
Let’s take a closer look at how your driving record can affect your rates.
Tickets for things like speeding or running a red light can have a negative effect on your rates because they show insurers you’re not safe behind the wheel. Just one speeding ticket increases average rates by 27% nationally, according to Compare.com data.
Staten Island drivers pay an average of $440 per month after a ticket, but AAA offers the cheapest rate, at $243 per month, according to Compare.com data.
An at-fault accident typically results in a rate increase — unless you have accident forgiveness with your insurer. Companies consider you more likely to file another claim if you cause an accident. Nationwide, rates increase by 34% after an at-fault accident, according to Compare.com data.
Staten Island drivers pay an average of $441 per month after an at-fault accident, but AAA offers the lowest monthly rate of $258.
Driving under the influence (DUI) is one of the most serious traffic violations. Even one conviction will lead to a major rate increase, a license suspension, and other penalties. In fact, rates increase by an average of 50% nationally after a DUI, according to Compare.com data.
Staten Island drivers pay an average of $518 per month after a DUI, but you can find the cheapest rates with AAA, at $296 per month.
New York requires all drivers to have a minimum amount of liability insurance. Every driver in the state must have the following coverages:
$25,000 in bodily injury liability (BI) insurance per person and $50,000 for an injury that results in death
$50,000 in BI insurance per accident or $100,000 for two or more injuries that result in death
$10,000 in property damage liability insurance per accident
$25,000 in uninsured motorist (UM) coverage per person
$50,000 in UM coverage per accident
If you want to know more about New York’s auto insurance requirements, check out the New York Department of Financial Services website.
)
You can save money on car insurance in many ways in Staten Island. Don’t settle for the first rate you find — consider the following five tips:
Drive safely. Keeping your driving record clean by avoiding tickets and accidents is the best way to keep rates low.
Ask about discounts. Many insurers offer car insurance discounts. Just ask your insurer about which car insurance discounts you can get — the savings can add up quickly.
Bundle multiple policies. Bundling your auto and home insurance with the same company could get you a large discount. You can sometimes bundle auto with renters insurance and even life insurance.
Increase your deductible. If you can afford it, consider raising your insurance deductible. Your insurance premiums will go down instantly, but make sure you can afford the extra expense that will then come with filing a claim.
Compare car insurance quotes. You should always compare auto insurance quotes from at least three insurance companies in your area before buying a policy.
Compare quotes from Staten Island's best companies.
If you still want to know more about Staten Island car insurance, check out the answers to the most commonly asked questions below.
AAA has the cheapest car insurance in Staten Island, with an average rate of $218 per month, according to Compare.com data. But remember, your actual rate will depend on personal factors like your age, driving history, coverage level, and more.
Car insurance in Staten Island costs an average of $460 per month, according to Compare.com data. Staten Island drivers pay an average of $392 per month for liability coverage and $528 for full-coverage policies.
New York drivers must have $25,000 in bodily injury liability insurance per person, $50,000 in bodily injury liability per accident, and $10,000 in property damage liability per accident. They must also have $25,000 per person and $50,000 per accident in uninsured motorist coverage as well as $50,000 for an injury resulting in death and $100,000 for two or more injuries resulting in death.
On average, car insurance in New York state costs $170 per month, according to Compare.com data. New York drivers pay $153 per month for liability coverage and $187 per month for full coverage.
World Population Review, “Staten Island, New York Population 2024,” accessed August 27, 2024.
AM Best, “AM Best Rating Services,” accessed August 27, 2024.
New York State Department of Financial Services, “Minimum Auto Insurance Requirements,” accessed August 27, 2024.
Insurance Information Institute, “Auto insurance basics—understanding your coverage,” accessed August 27, 2024.
Centers for Disease Control and Prevention, “Risk Factors for Teen Drivers,” accessed August 27, 2024.
National Association of Insurance Commissioners, “Consumer Insurance Search Results,” accessed August 27, 2024.
J.D. Power, “J.D. Power’s 2024 U.S. Insurance Shopping Study,” accessed August 27, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
)
AAA auto insurance policies often have higher average rates than many competitors, but it does have solid discounts and membership benefits.
)
USAA SafePilot can get you a discount of up to 30% if you practice safe driving, but the app can be glitchy. Find out if it’s right for you.
)
Progressive Snapshot can potentially save you money on car insurance. Find out if it’s worth it with our latest guide.
)
We explain what the State Farm Drive Safe & Save program is, including what it tracks, how much you can save, and real customer reviews.
)
Learn how to cancel your Auto-Owners car insurance policy easily. Our guide explains how to get a refund, avoid fees, and prevent lapses in coverage.
)
Canceling your car insurance policy with The Hartford is simple, and you can cancel at any time. We’ll outline the steps you need to take.
)
