Staten Island Auto Insurance

Last Updated on January 22, 2026

Car insurance in Staten Island, New York can look different from upstate driving—more stop-and-go traffic, tight parking, and a mix of short local trips and longer commutes. Add winter weather and year-round congestion, and having the right coverage (not just the cheapest) matters.

Below you’ll find New York’s required minimums, published pricing benchmarks for Staten Island, coverage recommendations, and a list of local agents you can contact for quotes.

New York Auto Insurance Requirements

New York’s auto insurance requirements apply statewide, including Staten Island. Limits and rules can change, so it’s smart to confirm current minimums when you’re registering a vehicle or renewing coverage.

Coverage	New York Minimum Required Limit
Bodily Injury Liability	$25,000 per person / $50,000 per accident
Property Damage Liability	$10,000 per accident
No-Fault (PIP)	$50,000 per person
Uninsured Motorist (UM)	$25,000 per person / $50,000 per accident
Death Liability	$50,000 per person / $100,000 per accident

Source: NY DMV – New York State Insurance Requirements

Bodily Injury Liability helps pay for injuries you cause to others in a covered accident. Many drivers increase these limits because medical costs can add up quickly.

Property Damage Liability helps pay for damage you cause to someone else’s vehicle or property. Higher limits can be helpful in multi-car crashes or if you hit expensive property.

No-Fault (PIP) helps cover medical expenses and certain lost wages for you and eligible passengers, regardless of fault, up to your policy limit. Many New Yorkers add extra protection above the minimum.

Uninsured Motorist helps protect you if you’re hit by a driver who has no insurance (or in some cases can’t be identified). Drivers often add higher UM/SUM limits for stronger injury protection.

Death Liability is part of New York’s required liability structure and applies when a crash results in a fatality. It’s another reason many households choose higher liability limits overall.

How Much Does Car Insurance Cost in Staten Island?

Pricing varies by ZIP code, vehicle, driving history, insurance score, mileage, and coverage choices. That said, published ZIP-code averages for Staten Island often show higher costs than the New York statewide average—especially for full coverage.

As of January 2026, one published Staten Island rate analysis reports an overall average around $1,980 for a six-month policy (about $330/month or $3,960/year). In the same analysis, minimum-liability options start around $75/month and full coverage starts around $161/month, depending on the insurer and driver profile. (Source: Way.com – Staten Island Car Insurance)

Coverage Level	Typical Published Monthly	Approx. Annual	Notes
NY Minimum (Liability-Only)	$75–$221/mo	$900–$2,652/yr	Cheapest carriers and driver profiles vary widely.
Full Coverage (Comp + Collision)	$161–$506/mo	$1,932–$6,072/yr	Usually required for financed/leased vehicles.
Overall Average in Staten Island	~$330/mo	~$3,960/yr	Based on ZIP-code averages; your quote may differ.

Recommended Coverage for Drivers in Staten Island

If you drive frequently, park on busy streets, or commute off-island, you may want coverage beyond New York’s minimums. Here are common upgrades Staten Island drivers consider:

• Higher Liability Limits: Many households choose at least 100/300 for bodily injury and 50,000–100,000 for property damage to better protect savings and wages.
• UM/SUM Protection: Consider increasing UM/SUM to match your liability limits (when available) so you’re not under-protected if the other driver can’t pay.
• Comprehensive and Collision: Helps repair or replace your car after theft, vandalism, weather damage, or a crash. Especially important for newer vehicles and higher repair costs.
• Rental and Roadside: Helpful if your car is in the shop after a covered loss or you deal with a dead battery/flat tire.
• Gap Coverage (If Needed): If you owe more than your car is worth, gap can help cover the difference after a total loss.

Best Car Insurance Companies for Staten Island

Company	Best for	Why it’s good	Watch-outs
Kemper	Budget-focused shoppers	Often appears among lower-priced options in published comparisons for Staten Island.	Pricing and acceptance can vary a lot by driver; customer experience can be mixed.
New York Central Mutual	Regional pricing in NY	Strong regional presence; can be competitive in New York and available through local agents.	Not always available for every driver/vehicle; fewer digital tools than some national brands.
Progressive	Comparing rates and discounts	Good quote tools and discount variety; often competitive across many driver types.	Rates can shift at renewal; coverage options vary by policy.
Travelers	Drivers wanting solid coverage options	Strong optional coverages and bundling options; widely available.	May not be the cheapest for younger drivers or prior incidents.
State Farm	Agent support and service	Large agent network and strong claims reputation for many customers.	Can price higher in some NYC-area ZIP codes.
GEICO	Online-first shoppers	Easy online servicing and frequent discount opportunities.	Not every ZIP/driver profile sees the lowest price; less face-to-face help.
Allstate	Drivers who prefer an agent	Local agent access plus a wide menu of optional coverages.	Premiums can be higher depending on driver history and vehicle type.
USAA	Military families	Often strong value for eligible members, with high customer satisfaction.	Eligibility required (military members and qualifying family).
Erie	Value + service through agents	Frequently strong service marks and competitive rates via independent agents.	Availability varies; fewer direct online options than some carriers.
Nationwide	Drivers who want coverage flexibility	Broad coverage lineup and bundling options.	Rates vary significantly by ZIP and driver profile.
Liberty Mutual	Customized policy options	Many add-ons and policy customization features.	Can be more expensive in some NYC-area markets.
Amica	High-service experience	Often known for strong customer satisfaction and claims handling.	May not be the lowest price option; underwriting can be selective.

Best Auto Insurance Agents in Staten Island

Agency	Address	Phone	Website	Why they’re a good fit
Roth Insurance	1775 South Ave, Ste 1, Staten Island, NY 10314	(718) 494-4500	rothis.com	Local independent agency—helpful if you want to compare multiple carriers in one place.
Bentson & Company	653 Forest Ave, Staten Island, NY 10310	(718) 442-1771	bentsoninsurance.net	Neighborhood agency with a long local footprint and personalized service.
Dominick Abramo (State Farm)	3929 Amboy Rd, Staten Island, NY 10308	(718) 395-3018	savewithdom.com	Good option if you want an agent relationship plus State Farm’s policy tools.
Maureen Lavelle (State Farm)	262 Arden Ave, Suite R, Staten Island, NY 10312	(718) 948-4111	maureenlavelle.com	Established Staten Island agent—helpful for families bundling auto with home/renters.
Larissa Buerano (State Farm)	1228 Forest Ave, Staten Island, NY 10310	(718) 727-1000	insurance4nyc.com	Useful for multi-language support and hands-on policy guidance.
Terry Monroe (State Farm)	3135 Victory Blvd, Staten Island, NY 10314	(718) 761-4310	terrymonroe.biz	Convenient for drivers who want a local office and help adjusting deductibles/coverage.
Jerry Mignone (Allstate)	1592 Richmond Ave, Staten Island, NY 10314	(718) 983-7707	Allstate agent page	Good for drivers who prefer an agent plus Allstate’s optional coverage menu.
Thomas Granello (Allstate)	1928 Victory Blvd, Staten Island, NY 10314	(718) 815-4800	Allstate agent page	Helpful for shoppers who want in-person support and quote comparisons by coverage level.

FAQs on Auto Insurance in Staten Island, NY