Table of contents
How much is car insurance in Staten Island?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $15 a month cheaper to insure your vehicle in Staten Island than it is in the rest of New York.
On the other hand, Staten Island residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $103 more for coverage in Staten Island than in the rest of the U.S.
These rates may be the average amount drivers in Staten Island pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Staten Island residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may climb back up a bit in Staten Island.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Staten Island, the difference is around $4 per month. As you can see in the table above, male drivers in the area typically pay $184 on average, while female drivers typically pay $180 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Staten Island with a single accident on their record is about $201 a month. Likewise, drivers with one ticket will be looking at a rate of around $299 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$182|
|15 Years or Older||$179|
In Staten Island, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $147 per month for insurance.
SUV drivers will see rates of about $181, while the rates for car owners average out to about $187 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Staten Island, for example, are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$187|
Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Staten Island as well, where the difference is around $37 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$218|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than drivers who own property in Staten Island. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Staten Island, NY
Recent trends in car insurance for Staten Island drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Car insurance rates in Staten Island went up from 2016-2017, before steadying out in 2018. Insurance rates increased again recently, hitting a high of $196 in 2021.
How does Staten Island compare to neighboring areas?
Why are car insurance rates in Staten Island different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Local crime rates
- Off-street parking availability
- Total drivers
- Community regulations
- Road Safety (total number of local car accidents)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Staten Island?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Staten Island.
Staten Island Insurance FAQs
What factors affect car insurance quotes in Staten Island?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Staten Island different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Staten Island?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Staten Island?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Staten Island or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.