Cheapest Car Insurance In Staten Island, NY 2026
In Staten Island, State Farm provides the lowest-cost minimum coverage car insurance at just $39 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
State Farm and Erie currently offer some of the lowest car insurance rates in Staten Island, with minimum coverage averaging around $52 per month, cheaper than most other NYC boroughs, but still well above the national average.
Staten Island drivers pay more due to dense traffic, high claim frequency, and New York’s no-fault insurance requirements. Shopping and comparing multiple carriers is the most reliable way to find below-average rates, especially if you have a clean driving record or qualify for bundling discounts.
What’s Changed In 2026?
- Approved statewide rate hikes have significantly increased minimum liability premiums across Staten Island.
- High rates of vehicle theft in New York City boroughs are currently pushing up comprehensive coverage costs.
- Rising repair labor and parts costs in the metro area are driving up local collision premiums.
Cheapest Car Insurance Companies In Staten Island, NY 2026
Cheapest Liability-only Car Insurance In Staten Island: State Farm
In Staten Island, State Farm provides the lowest-cost minimum coverage car insurance, with an average monthly rate of $39.
Use the table below to compare insurance rates from various providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| Auto-Owners | $46 | $552 |
| GEICO | $50 | $600 |
| American Family | $56 | $672 |
| Progressive | $65 | $780 |
Cheapest Full Coverage Insurance Rates In Staten Island: Erie
In Staten Island, Erie provides the lowest-priced full coverage car insurance at an average of $76 per month.
Below is a comparison of average auto insurance rates from low-cost insurers in Staten Island.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $76 | $912 |
| Auto-Owners | $79 | $948 |
| American Family | $96 | $1,152 |
| Nationwide | $98 | $1,176 |
| Progressive | $107 | $1,284 |
Cheapest Car Insurance Rates For Seniors: Erie
In Staten Island, seniors can get the most affordable car insurance from Erie, with an average monthly cost of $57.
Below is a table comparing average rates from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $57 | $684 |
| USAA | $64 | $768 |
| Auto-Owners | $59 | $708 |
| GEICO | $63 | $756 |
| Nationwide | $69 | $828 |
Cheapest Rates In Staten Island For Teenagers: State Farm
State Farm offers the most affordable rates for teen drivers in Staten Island, with an average monthly cost of $120.
Below is a table comparing the most affordable insurance rartes for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $120 | $1,440 |
| Auto-Owners | $140 | $1,680 |
| USAA | $154 | $1,848 |
| Nationwide | $184 | $2,208 |
| Safeco | $197 | $2,364 |
Cheapest Auto Insurance For Young Adults in Staten Island: Clearcover
Clearcover provides the most affordable rates for young adults in Staten Island, with an average monthly cost of $64.
Use the table below to see which companies offer the most affordable car insurance for young adults in Staten Island.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $64 | $768 |
| USAA | $89 | $1,068 |
| National General | $85 | $1,020 |
| State Farm | $98 | $1,176 |
Cheapest Car Insurance In Staten Island For Good Drivers: State Farm
In Staten Island, good drivers can get the most affordable car insurance from State Farm, costing about $39 a month.
The table below shows average insurance quotes from the most affordable companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $39 | $468 |
| Auto-Owners | $44 | $528 |
| GEICO | $48 | $576 |
| American Family | $54 | $648 |
| Progressive | $63 | $756 |
Find affordable Staten Island rates
Cheapest Car Insurance In Staten Island After A Speeding Ticket: State Farm
Compared to other insurers in Staten Island, State Farm is highly affordable, with an average monthly rate of $71 for drivers with a speeding violation.
Check the table below to see the average rates for drivers who have a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $71 | $852 |
| Erie | $80 | $960 |
| Auto-Owners | $86 | $1,032 |
| GEICO | $145 | $1,740 |
| USAA | $73 | $876 |
Cheapest For Drivers With After At-Fault Accident: State Farm
For drivers with an at-fault incident, State Farm offers the lowest rates, with an average monthly premium of $77.
Below are the insurers with the most affordable rates for drivers who have caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $77 | $924 |
| USAA | $84 | $1,008 |
| Auto-Owners | $95 | $1,140 |
| GEICO | $114 | $1,368 |
| Erie | $100 | $1,200 |
Cheapest Rates In Staten Island For Drivers After A DUI: State Farm
In Staten Island, State Farm is the most affordable insurer for drivers with a DUI, with average monthly rates of $72.
If you have a DUI, check the table below for the most affordable car insurance rates in Staten Island.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $72 | $864 |
| Erie | $120 | $1,440 |
| USAA | $86 | $1,032 |
| Auto-Owners | $131 | $1,572 |
| GEICO | $145 | $1,740 |
While comparing prices in Staten Island is helpful, every policy is different. With PolicyOwl, you can upload your policy and instantly see what coverage you’re really getting for your money.
Best Car Insurance Companies In Staten Island
Staten Island drivers can secure the lowest insurance rates with New Jersey Manufacturers for $102 monthly, while Penn National and Mercury offer competitive options at $138 and $172 per month.
Below are the 10 best car insurance providers in Staten Island, NY, organized by their average monthly rates.
| Company | Monthly Premium |
| New Jersey Manufacturers | $102 |
| Penn National | $138 |
| Mercury | $172 |
| USAA | $193 |
| Travelers | $199 |
| Erie | $205 |
| New York Central Mutual Fire | $212 |
| State Farm | $212 |
| Nationwide | $240 |
| Chubb | $252 |
Average Auto Insurance Rates In Staten Island – By Age
Car insurance rates are heavily influenced by age. Since younger drivers have less experience and are more likely to be in accidents, they typically face higher premiums. Teen drivers may pay around $6,990 per year.
At age 25, drivers typically see lower insurance premiums, as long as they keep a good driving record.
The lowest car insurance premiums are typically available to drivers in their 50s and early 60s since insurers use age to determine risk and experience.
| Age | Average Yearly Rate |
| Teenagers | $7,395 |
| 20s | $6,546 |
| 30s | $5,983 |
| 40s | $5,894 |
| 50s | $5,375 |
| 60s | $4,768 |
| 70s | $4,470 |
Average Rates In Staten Island – By Vehicle
Insurance companies consider your car’s type when calculating rates, factoring in its age, model, and body style. Newer luxury cars with expensive technology often result in higher premiums.
Check the table below to compare average car insurance costs in Staten Island by vehicle.
| Vehicle | Average Monthly Rate |
| 2023 Nissan Altima | $117 |
| 2025 Kia K5 | $79 |
| 2003 Chevrolet Blazer | $53 |
| 2019 Honda Accord | $67 |
| 2020 Kia Optima | $87 |
How Much Is Car Insurance In Other Cities in New York?
Your location has a significant impact on your car insurance costs. Insurance providers assess accident frequency, crime rates, and vandalism in your area, with urban settings often leading to higher premiums.
Los Angeles motorists can expect to spend around $224 monthly on car insurance, while San Diego residents pay a lower average of $176 per month.
| City | Average Monthly Rate |
| Albany | $138 |
| Rochester | $124 |
| Bronx | $266 |
| New York | $209 |
| Brooklyn | $282 |
| Jamaica | $221 |
| Buffalo | $152 |
| GREAT NECK | $131 |
| Elmira | $90 |
| Flushing | $175 |
Average Cost Of Auto Insurance In Staten Island – By Zip Code
Your zip code plays a role in determining car insurance costs, as insurers analyze crime rates and other local risks.
The table below lists average car insurance rates for various zip codes in Staten Island.
| City | Average Monthly Rate |
| 10001 | $293 |
| 10009 | $160 |
| 10002 | $413 |
| 10006 | $192 |
| 10003 | $154 |
Find affordable Staten Island rates
Our Methodology
Taking into account customer service ratings, policy options, pricing, and insights from online reviews, I’ve created a comprehensive guide to car insurance providers in Staten Island, NY.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Staten Island?
GEICO has the lowest prices for minimum coverage in Staten Island, whereas Progressive offers the most budget-friendly full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Staten Island?
The typical car insurance premium in Staten Island is around $166 per month, but actual rates depend on your location, car model, driving record, and other factors.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.