Cheapest Car Insurance Quotes in Staten Island

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Staten Island Car Insurance

^$ 75

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Staten Island

The car insurance rate in Staten Island is $1980 for a six-month policy, which is $822 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $944, making it a popular choice for budget-conscious drivers. Rates in Staten Island can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Staten Island

$1980

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Staten Island

1st place: Kemper

At $944 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $1250 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1330 for six months, making it the third cheapest auto insurance company in Staten Island.

Staten Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Staten Island, NY is Kemper, offering policies at just $944 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1250.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3037 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Staten Island drivers find the best deals.

Cheap Car Insurance Companies in Staten Island, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$944	$161
New York Central Mutual Fire	$1250	$209
Progressive	$1330	$224
American Family	$1462	$246
NYCM	$1768	$298
USAA	$1960	$330
Erie	$2001	$337
Nationwide	$2184	$364
Travelers	$2225	$374
State Farm	$2651	$446
Allstate	$2965	$499
Chubb	$3037	$506

Key Takeaways

Way's key takeaways about car insurance in Staten Island

The auto insurance costs in Staten Island fall around $944 for six months.
The cheapest auto insurance company in Staten Island is New York Central Mutual Fire.
Teen drivers pay the highest rate in Staten Island at $1527 per month.

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Cheapest Minimum Liability Car Insurance in Staten Island

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Staten Island are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Staten Island. Their Average 6 Month Premium is $446. Preferred Mutual is the most expensive at $1178 for the same period.

Cheapest Liability Coverage in Staten Island, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$446	$75
NYCM	$528	$87
Kemper	$549	$94
American Family	$660	$111
Progressive	$681	$115
USAA	$874	$147
Erie	$1077	$183
Travelers	$1158	$193
Allstate	$1240	$210
State Farm	$1320	$221
Nationwide	$853	$142
Utica National	$975	$166
Preferred Mutual	$1178	$197

Cheapest Full Coverage Car Insurance in Staten Island

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Staten Island is Kemper at $161 per month and $944 for six months.

Cheapest Full Coverage Car Insurance Quotes in Staten Island, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$944	$161
New York Central Mutual Fire	$1250	$209
Progressive	$1330	$224
American Family	$1462	$246
NYCM	$1768	$298
USAA	$1960	$330
Erie	$2001	$337
Nationwide	$2184	$364
Travelers	$2225	$374
State Farm	$2651	$446
Allstate	$2965	$499
Chubb	$3037	$506

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Average Car Insurance in Staten Island by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Staten Island, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Staten Island, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Staten Island's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Staten Island

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Staten Island,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Staten Island at $109 per month. At $9070 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$640	$109
American Family	$771	$130
NYCM	$1707	$287
Progressive	$2103	$354
New York Central Mutual Fire	$2225	$378
Erie	$4277	$713
USAA	$4703	$792
Travelers	$6185	$1041
Nationwide	$6440	$1094
Chubb	$6744	$1123
Allstate	$7760	$1306
State Farm	$9070	$1527

Teen Car Insurance Rates in NY by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Staten Island, Kemper is the cheapest car insurance provider. At $1433 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Staten Island is Progressive, offering rates of around $8582 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1433	$239
Nationwide	$2184	$371
Chubb	$2591	$436
USAA	$3148	$535
Erie	$3352	$564
American Family	$3403	$578
NYCM	$3810	$634
Allstate	$4154	$699
Mercury	$4236	$706
State Farm	$4378	$737
Travelers	$5068	$853
Progressive	$8582	$1445

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Car Insurance Rates with An Accident in Staten Island

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Staten Island, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Staten Island

The cheapest car insurance companies after an at-fault accident in Staten Island include Kemper and American Family, offering $792 and $812, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $985.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$792	$132
American Family	$812	$137
Progressive	$1250	$210
NYCM	$1271	$214
New York Central Mutual Fire	$1503	$251
USAA	$1707	$287
Erie	$2184	$368
Chubb	$2478	$417
Allstate	$2671	$450
Travelers	$2753	$463
Nationwide	$2885	$481
State Farm	$3372	$568
Utica National	$975	$166
Preferred Mutual	$985	$164

Staten Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Staten Island NY. For example, the car insurance in Staten Island after a DUI increases to $1219 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

Staten Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2143	$357
One Med/PIP claim	$2143	$364
One comp claim	$2163	$361
Two comp claims	$2184	$371
Two Med/PIP claims	$2184	$364
Not-at-fault accident	$2194	$373
Failure to show documents	$2225	$371
Failure to wear a seat belt	$2235	$380
Driving with expired registration	$2255	$376
At-fault accident - less than $1000	$2266	$385
Cell phone violation	$2266	$378
Child safety restraint	$2266	$385
Driving without lights	$2266	$378
Failure to stop at a red light	$2266	$385
Failure to yield	$2266	$378
Following too closely	$2266	$385
Illegal turn	$2266	$378
Improper passing	$2266	$385
Passing school bus	$2266	$378
Texting while driving	$2266	$385
Wrong way/wrong lane	$2266	$378
Driving too slowly	$2286	$388
Speeding in school zone	$2286	$381
At-fault accident - $1000-$2000	$2295	$390
Speeding 11 - 15 MPH over limit	$2336	$390
Speeding 6 - 10 MPH over limit	$2336	$397
Operating a vehicle without permission	$2377	$397
Open container	$2408	$409
In 65 MPH zone	$2509	$419
Speeding 16 - 20 MPH over limit	$2539	$433
Speeding 21 - 25 MPH over limit	$2630	$438
At-fault accident - greater than $2000	$2833	$482
Reckless driving	$3027	$504
Racing	$3148	$535
Driving with a suspended license	$3261	$544
Refusal to submit to a chemical test	$3331	$566
DUI	$3362	$561
Leaving scene of an accident/hit and run	$3413	$580

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Staten Island after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Staten Island.

The cheapest car insurance premiums in Staten Island are offered by American Family at $771 for a six-month policy. However, it can be as expensive as $3810 with companies like Chubb.

Staten Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$771	$130
Kemper	$812	$139
Progressive	$1047	$176
NYCM	$1585	$267
New York Central Mutual Fire	$1828	$304
USAA	$2083	$351
Travelers	$2722	$458
Allstate	$3220	$542
Erie	$3321	$554
Nationwide	$3606	$614
State Farm	$3789	$638
Chubb	$3810	$648

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Staten Island are offered by American Family at $681. However, it can be as expensive as $4337 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Staten Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$681	$113
Kemper	$681	$116
Progressive	$985	$166
NYCM	$1595	$272
USAA	$1849	$308
Erie	$2163	$368
Nationwide	$2184	$364
Travelers	$2519	$428
State Farm	$3047	$508
Chubb	$3606	$614
Allstate	$4337	$723

Car Insurance Price Trends in Staten Island, New York

Car insurance rates in Staten Island have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Staten Island rose by $470 in January compared to $422 of December. In other words, there has been an increase by $48 when you compare January and December.

The average cost of liability insurance in the Staten Island dipped to $137 in January, compared to $145 in December. This represents an decrease of $8 when comparing January and December.

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Average Car Insurance Cost in Staten Island by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Staten Island. At $2158 for a six-month policy, insuring your car at 10305 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
10305	$2158	$361
10304	$2138	$358
10307	$2039	$341
10306	$2197	$368
10309	$2118	$354
10308	$2098	$351
10310	$2079	$348
10301	$2138	$358
10312	$2217	$371
10314	$2336	$391
10303	$2079	$348
10302	$2039	$341

Frequently Asked Questions

How much is car insurance in Staten Island?

The car insurance in Staten Island is $75 per month, which is lower than the national average.

What is the cheapest car insurance in Staten Island?

The cheapest car insurance in Staten Island is $161 per month for full coverage.

How much is car insurance in Staten Island for teenagers?

Car insurance for teenagers costs $640 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Staten Island?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $332 per month to insure your car in Staten Island.

Is car insurance expensive in Staten Island?

Car insurance can be expensive in Staten Island if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Staten Island can be affordable.

Cheapest Car Insurance Quotes in Staten Island

Why you can trust Way?

How Much Is Car Insurance in Staten Island

Avg. Car Insurance in Staten Island

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Staten Island

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Staten Island Car Insurance Rates by Company

Cheap Car Insurance Companies in Staten Island, NY

Way's key takeaways about car insurance in Staten Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Staten Island

Cheapest Liability Coverage in Staten Island, NY

Cheapest Full Coverage Car Insurance in Staten Island

Cheapest Full Coverage Car Insurance Quotes in Staten Island, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Staten Island by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Staten Island, NY increasing?

Car Insurance Premiums by Age in Staten Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Staten Island,NY

If you are in your twenties N/A is the best choice for car insurance in Staten Island.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Staten Island

Cheapest Car Insurance Companies after an At-Fault Accident in Staten Island

Staten Island Car Insurance Rates by Violation

Staten Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Staten Island after a DUI

Staten Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Staten Island after Speeding ticket

Car Insurance Price Trends in Staten Island, New York

Average Car Insurance Cost in Staten Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Staten Island, NY

Car Insurance Rates by State in the USA (2025 Update)

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