Best Staten Island, New York Auto Insurance in 2024
The average Staten Island, NY auto insurance rates are $571 per month. The minimum auto insurance in Staten Island is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Staten Island, New York, compare quotes from multiple companies.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Staten Island for teen drivers is Liberty Mutual
- Average auto insurance rates in Staten Island, NY for senior drivers are $4,258 per year
- The minimum auto insurance required in Staten Island, New York is 25/50/10
Staten Island, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Staten Island can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Staten Island, New York, including driving record, credit, commute time, and more.
Compare auto insurance in Staten Island to other New York cities, including Schenectady auto insurance rates, Albany auto insurance rates, and Utica auto insurance rates to see how Staten Island, New York auto insurance rates stack up.
Before you buy Staten Island, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Staten Island, New York auto insurance quotes.
Minimum Auto Insurance in Staten Island, New York
Staten Island, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Staten Island, New York.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Staten Island, New York Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Staten Island, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,761 | $4,355 | $4,524 | $4,553 | $14,257 | $15,113 | $4,469 | $4,412 |
| Geico | $2,651 | $2,554 | $2,555 | $2,517 | $5,507 | $8,544 | $2,373 | $2,436 |
| Liberty Mutual | $7,625 | $7,625 | $7,100 | $7,100 | $14,852 | $21,510 | $7,625 | $8,102 |
| Nationwide | $5,327 | $5,327 | $5,006 | $5,006 | $9,698 | $14,651 | $5,327 | $6,893 |
| Progressive | $3,698 | $3,342 | $2,875 | $2,945 | $12,594 | $13,737 | $4,670 | $4,379 |
| State Farm | $4,670 | $4,670 | $4,104 | $4,104 | $13,851 | $16,972 | $5,172 | $5,417 |
| Travelers | $5,373 | $5,222 | $4,874 | $5,087 | $12,335 | $14,504 | $5,578 | $5,638 |
| USAA | $3,176 | $3,135 | $2,873 | $2,899 | $12,644 | $15,026 | $4,117 | $4,589 |
Cheap Staten Island, New York Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Staten Island, New York is a challenge. Take a look at the annual teen auto insurance rates in Staten Island, New York.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,257 | $15,113 |
| Geico | $5,507 | $8,544 |
| Liberty Mutual | $14,852 | $21,510 |
| Nationwide | $9,698 | $14,651 |
| Progressive | $12,594 | $13,737 |
| State Farm | $13,851 | $16,972 |
| Travelers | $12,335 | $14,504 |
| USAA | $12,644 | $15,026 |
Cheap Staten Island, New York Auto Insurance for Seniors
What are senior auto insurance rates in Staten Island, New York? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,524 | $4,553 |
| Geico | $2,555 | $2,517 |
| Liberty Mutual | $7,100 | $7,100 |
| Nationwide | $5,006 | $5,006 |
| Progressive | $2,875 | $2,945 |
| State Farm | $4,104 | $4,104 |
| Travelers | $4,874 | $5,087 |
| USAA | $2,873 | $2,899 |
Cheap Staten Island, New York Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Staten Island, New York compared to the annual auto insurance rates with a clean record in Staten Island, New York.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,919 | $5,919 | $8,820 | $7,564 |
| Geico | $2,797 | $3,053 | $5,921 | $2,797 |
| Liberty Mutual | $8,007 | $8,007 | $16,748 | $8,007 |
| Nationwide | $5,370 | $5,370 | $12,376 | $5,501 |
| Progressive | $5,852 | $5,852 | $6,520 | $5,895 |
| State Farm | $6,995 | $6,995 | $7,745 | $7,745 |
| Travelers | $6,196 | $7,864 | $7,966 | $7,279 |
| USAA | $5,431 | $5,516 | $7,766 | $5,516 |
Cheap Staten Island, New York Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Staten Island, New York is not easy. Compare the annual rates for DUI auto insurance in Staten Island, New York to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $8,820 |
| Geico | $5,921 |
| Liberty Mutual | $16,748 |
| Nationwide | $12,376 |
| Progressive | $6,520 |
| State Farm | $7,745 |
| Travelers | $7,966 |
| USAA | $7,766 |
Cheap Staten Island, New York Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Staten Island, New York annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $10,368 | $5,850 | $4,949 |
| Geico | $4,563 | $3,353 | $3,010 |
| Liberty Mutual | $14,291 | $9,322 | $6,964 |
| Nationwide | $7,154 | $7,154 | $7,154 |
| Progressive | $9,789 | $4,821 | $3,480 |
| State Farm | $10,410 | $6,524 | $5,176 |
| Travelers | $10,457 | $6,235 | $5,287 |
| USAA | $9,339 | $4,705 | $4,128 |
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Cheap Staten Island, New York Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Staten Island, New York can vary. Compare the annual cost of auto insurance by ZIP code in Staten Island, New York to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 10311 | $6,885 |
Cheap Staten Island, New York Auto Insurance Rates By Commute
Commute length and annual mileage affect Staten Island, New York auto insurance. Find the cheapest annual Staten Island, New York auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,954 | $7,157 |
| Geico | $3,547 | $3,737 |
| Liberty Mutual | $9,897 | $10,487 |
| Nationwide | $7,154 | $7,154 |
| Progressive | $6,030 | $6,030 |
| State Farm | $7,094 | $7,646 |
| Travelers | $7,326 | $7,326 |
| USAA | $5,994 | $6,120 |
Cheap Staten Island, New York Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Staten Island, New York? Check out the comparison of annual Staten Island, New York auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,398 | $7,010 | $7,759 |
| Geico | $3,415 | $3,621 | $3,891 |
| Liberty Mutual | $9,699 | $10,165 | $10,712 |
| Nationwide | $6,627 | $7,076 | $7,760 |
| Progressive | $5,639 | $5,981 | $6,470 |
| State Farm | $6,904 | $7,424 | $7,782 |
| Travelers | $6,793 | $7,206 | $7,979 |
| USAA | $5,841 | $6,016 | $6,315 |
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Best By Category: Cheapest Auto Insurance in Staten Island, New York
Compare the cheapest auto insurance companies in Staten Island, New York in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
The Cheapest Staten Island, New York Auto Insurance Companies
What auto insurance companies in Staten Island, New York are the cheapest? Compare the top Staten Island, New York auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,056 |
| Geico | $3,642 |
| Liberty Mutual | $10,192 |
| Nationwide | $7,154 |
| Progressive | $6,030 |
| State Farm | $7,370 |
| Travelers | $7,326 |
| USAA | $6,057 |
Compare Staten Island, New York Auto Insurance Quotes
Before you buy Staten Island, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Staten Island, New York auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Why do I need auto insurance in Staten Island, NY?
Auto insurance is mandatory in Staten Island, NY, as it is in the entire state of New York. The law requires all vehicle owners to carry a minimum amount of liability insurance to protect themselves and others in case of accidents. It helps cover the costs of property damage, injuries, and medical expenses that may result from an accident.
What types of auto insurance coverage are available in Staten Island, NY?
In Staten Island, NY, you can typically find the following five types of auto insurance coverage:
- Liability coverage
- Personal injury protection (PIP)
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
How much auto insurance coverage do I need in Staten Island, NY?
The state of New York requires drivers to carry minimum liability insurance limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. However, it is often recommended to consider higher coverage limits to provide greater financial protection in case of an accident.
Can my auto insurance rates be affected by my credit score in Staten Island, NY?
In some states, including New York, insurance companies are allowed to consider your credit score when determining your auto insurance rates. Your credit history is often used as a factor in assessing your level of risk as a policyholder. Maintaining a good credit score can help you secure lower insurance premiums.
What should I do if I’m involved in a car accident in Staten Island, NY?
If you’re involved in a car accident in Staten Island, NY, it’s important to take these 10 steps:
- Ensure Safety: Check if everyone involved in the accident is safe and call emergency services (911) if necessary. If there are any injuries requiring immediate medical attention, prioritize getting medical help.
- Contact the Authorities: Report the accident to the police, even if it’s a minor collision. The police will document the incident and provide you with an official accident report, which may be required by your insurance company.
- Gather Information: Exchange contact, insurance, and vehicle information with the other parties involved in the accident. Be sure to note down their names, phone numbers, license plate numbers, insurance policy details, and driver’s license information.
- Document the Accident Scene: Take photos or videos of the accident scene, including the damaged vehicles, skid marks, and any other relevant details. This visual evidence can be valuable when filing an insurance claim.
- Gather Witness Information: If there are any witnesses to the accident, try to obtain their names and contact information. Their statements may help support your claim in case of disputes.
- Notify Your Insurance Company: Contact your insurance company as soon as possible to report the accident. Provide them with accurate and detailed information about what happened. Follow their instructions on how to proceed with filing a claim.
- Seek Medical Attention: Even if you don’t have any immediate visible injuries, it’s advisable to seek medical attention. Some injuries may not manifest symptoms right away, and a medical evaluation can help identify any underlying issues.
- Cooperate and Avoid Admission of Fault: Cooperate with the authorities and provide an accurate account of the accident. However, refrain from admitting fault or making any statements that may imply liability. Leave the determination of fault to the insurance companies and legal professionals.
- Keep Records: Maintain a record of all documents related to the accident, including the accident report, medical bills, repair estimates, and communication with insurance companies. These records will be essential for your insurance claim and any potential legal proceedings.
- Consult an Attorney: If you have significant injuries, disputes regarding fault, or encounter challenges with your insurance claim, it may be wise to consult with a personal injury attorney who specializes in car accidents. They can provide guidance and protect your rights throughout the process.
Remember, every accident is unique, and the steps you take may vary based on the specific circumstances. It’s crucial to prioritize safety, gather information, and promptly inform your insurance company to initiate the claims process.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.