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Car Insurance Quotes in Staten Island, NY

Full coverage / year
$3,882
State minimum / year
$1,688
Typical quote range
$2,756 – $5,357

Full coverage car insurance in Staten Island, NY runs an estimated $3,882 per year — roughly $324 monthly. That sits about 16% above the New York average, which is what you would expect from city-level congestion, a higher share of uninsured drivers, and costlier repairs. Your own number moves a long way from the average once age, driving record and ZIP code are applied — the calculator below applies all three.

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Car insurance calculator — Staten Island, NY

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$323/ month
$3,882 per year · carriers in Staten Island, NY typically quote $2,756 – $5,357
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Staten Island, NY

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$2,950$246-24%Military members and families only
Geico$3,183$265-18%Usually cheapest for clean records
State Farm$3,416$285-12%Strong for young and student drivers
Progressive$3,688$307-5%Competitive after a ticket or accident
Travelers$3,766$314-3%Good multi-policy discounts
Nationwide$3,882$3240%Mid-market, wide availability
Allstate$4,425$369+14%Higher base rate, heavy discount stacking
Farmers$4,697$391+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Staten Island, NY. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Staten Island

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$10,485$4,559$874
18 years old$8,844$3,845$737
20 years old$7,324$3,184$610
22 years old$6,083$2,645$507
25 years old$4,642$2,018$387
30 years old$4,002$1,740$333
40 years old$3,762$1,636$313
50 years old$3,602$1,566$300
60 years old$3,562$1,549$297
65 years old$3,722$1,618$310
70 years old$4,082$1,775$340
75 years old$4,762$2,071$397

Estimated premiums by age in Staten Island, NY, clean record, sedan.

What a ticket, accident or DUI costs in Staten Island

Driving recordEst. annualIncrease
Clean record$3,882—
1 speeding ticket$4,775+23%
1 at-fault accident$5,706+47%
DUI / DWI$7,337+89%

What a violation costs a 35-year-old in Staten Island, NY. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in New York

Every driver registering a vehicle in New York must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the New York Department of Insurance.

Required coverage in New YorkMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$10,000
PIP $50,000Required
Uninsured motorist 25/50Required
Insurance systemNo-fault

Coverage levels compared in Staten Island

Coverage levelEst. annualEst. monthly
State minimum liability$1,688$141
Full coverage (100/300/100 + comp & collision)$3,882$323
Full coverage, high limits + low deductible$4,620$385

Coverage level comparison for Staten Island, NY.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Staten Island

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Staten Island covers 10301, 10302, 10303, 10304, 10305, 10306 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Staten Island, NY?
Full coverage in Staten Island is estimated at $3,882 a year ($324 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $1,688 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in New York?
New York requires at least $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage, plus pip $50,000, uninsured motorist 25/50. New York is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Staten Island?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Staten Island for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Staten Island?
An 18-year-old in Staten Island is estimated at $8,844 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Staten Island?
A DUI takes the estimate from $3,882 to about $7,337 a year in Staten Island, an increase of roughly 89%. New York drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Staten Island?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

BrooklynNew York CityManhattanQueensWoodmereValley StreamElmontThe Bronx

Comparing more of New York? See every New York city we price or read the cheap car insurance guide for Staten Island.