Best Auto Insurance Rates in Staten Island, New York

On average your neighbors pay $103 a month.

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Staten Island is New York City’s naturally scenic wonderland. A big reason for that: it’s home to over 170 parks.

If you like going on scenic drives or enjoy taking in nature from your car, you need cheap car insurance.

Average Staten Island Car Insurance Rates

How much is car insurance in Staten Island, NY? Residents shouldn't be surprised to hear car insurance costs more in their borough than it does in many other parts of the US. After all, average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.

Prices vary depending on your driving record and the number of claims filed in your zip code, so you may pay less.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
Total Cost Per Year $1,234.84
Price Per Month $102.90
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Staten Island, New York and save up to 40% on your premium.

Last year, 4,445 local residents used QuoteWizard to compare auto insurance quotes in Staten Island, NY from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Staten Island, NY

This is our list of the 10 most common car insurance companies reported by QuoteWizard users living in Staten Island, New York, last year. Of these 4,445 users, only 167 were uninsured.

Top 10 Vehicles in Staten Island

These are the most common car makes and models owned by Staten Island, NY drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Honda CR-V EX
  3. Hyundai Sonata GLS
  4. Nissan Altima 2.5/S/SV/SL
  5. Jeep Grand Cherokee Limited
  6. Honda Civic EX
  7. Jeep Grand Cherokee Laredo
  8. Ford Explorer XLT
  9. Ford Fusion SE
  10. Toyota Camry LE/XLE/SE
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Minimum Car Insurance Requirements in Staten Island, NY

Staten Island, New York has a minimum coverage requirement known as the 25/50/10 rule, which means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your provider will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion can influence Staten Island insurance rates.

Staten Island drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Staten Island residents can expect to enjoy as many as 224 days with at least partial sunshine in an average year. Rainfall is common, too, though. In fact, the area experiences about 113 days with some amount of precipitation annually. As for snow, Staten Island receives close to 24 inches of it each winter.

Road Conditions

According to a recent study by TRIP, 82 percent of the major roads in and around New York City are in poor or mediocre condition. These pothole-filled streets cost drivers close to $800 a year in extra vehicle operating costs.

During the winter of 2015, the Department of Transportation reportedly repaired 18,377 potholes in Staten Island.

Traffic Congestion

According to TomTom's annual traffic index report, New York City ranks third for worst traffic congestion in the US. The average commuter spends an additional 33 minutes per hour stuck in traffic during peak commute times and 128 hours a year for commutes of 30 minutes.

Moving Violations

Speeding tickets, running red lights, following other vehicles too closely, and drunk driving are some of the moving violations that can give you a bad driving record and raise your rates.

Traffic Tickets

The New York Department of Motor Vehicles website allows you to pay non-criminal traffic citations, explains how to request a hearing to contest a ticket, and provides helpful traffic court information.

Drunk Driving Accidents and Fatalities

The City of New York reported 1,168 car crashes in 2014 in which alcohol was a factor. These accidents caused 904 injuries and 54 fatalities.

SR-22 DWI Insurance

A DWI may require you to obtain an SR-22 form. Request a quote, and we'll connect you with local agents from top companies that specialize in Staten Island DWI insurance.

Car Accident Statistics

Richmond County reported 4,166 car crashes in 2014. These traffic accidents resulted in 2,517 personal injuries. That is a 10 percent decrease from the 4,628 accidents, which caused 3,349 injuries, in 2013.

Traffic Fatalities

Of the 4,166 crashes mentioned above, 12 were fatal. This is an 8 percent increase from 2013’s 11 fatal crashes.

Vehicle Theft

Staten Island reported 184 motor vehicle thefts in 2016. This theft rate of 0.38 per 1,000 residents. This is is much lower than the national average of 2.20 per 1,000 people.

Car Insurance Discounts in Staten Island

Are you looking to lower your rates by finding affordable car insurance coverage? These are some of the many auto insurance discounts available to drivers in Staten Island, NY depending on your carrier.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  2. Safe driver. If you have a perfect driving record you may qualify for the accident free discount
  3. Are you married or getting married soon? Make sure you ask about the married discount
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. Live in a safe zip code with low crime. People that live in zip code with high crime and more than its fair share of accidents pay higher rates even if they have a good driving history
  6. Maintain at least a B grade point average in school to qualify for the good student discount
  7. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  8. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  9. Take a defensive driving course from an accredited driving safety school
  10. Shop around and compare affordable Staten Island, NY auto insurance quotes

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