Car Insurance in Syracuse

NYCM Insurance dominates Syracuse's pricing with full coverage at $486 per year, which is 61% below the city average of $1,136. Progressive follows at $637 per year for full coverage, providing another excellent option for upstate drivers.

For minimum coverage, NYCM Insurance charges $212 per year while Progressive offers $352 per year. Syracuse's remarkably low rates make it one of New York's most affordable insurance markets.

NYCM Insurance's regional focus and deep understanding of upstate New York conditions give it a significant competitive advantage. Both insurers maintain strong financial ratings while delivering exceptional value to Syracuse residents.

Adult drivers in Syracuse get the lowest insurance rates while young drivers pay more but stay affordable nationally. NYCM Insurance charges adult drivers $212 yearly, 68% below the city average for minimum coverage.

Senior drivers pay $315 yearly through NYCM Insurance, a 49% increase over adult rates. Young drivers pay $324 yearly through NYCM Insurance, still exceptionally affordable despite costing more than adult rates.

Syracuse keeps rates low across all age groups. Upstate New York's moderate traffic and lower cost of living help keep insurance affordable.

Young drivers in Syracuse get the lowest car insurance rates from Progressive at $71 monthly. Kemper follows at $100 monthly. Insurance costs more for drivers ages 16 to 25 across upstate New York because of winter weather risks and limited driving experience, but these two insurers beat the city average.

Adult drivers ages 26 to 64 get the cheapest minimum coverage from Kemper at about 50% below the city average. Progressive and GEICO also deliver strong value for adults with clean driving records. Syracuse's year-round weather and steady commuter flow can raise premiums, so these insurers work well for drivers who want affordable, reliable coverage.

Senior drivers in Syracuse get the lowest minimum coverage rates from Kemper at $40 monthly. For full coverage, Progressive offers the cheapest option at $73 monthly. Both carriers charge below-average rates for older drivers in a city where medical expenses and vehicle repair costs usually push senior premiums higher.

High-risk drivers in Syracuse get competitive rates from NYCM and Progressive. NYCM offers the lowest premiums for drivers with bad credit, DUIs and accident records, while Progressive charges the least for speeding violations.

• Bad credit: NYCM at $45 monthly
• DUI: NYCM at $27 monthly
• At-fault accident: NYCM at $18 monthly
• Speeding ticket: Progressive at $30 monthly

Drivers with bad credit get the most affordable coverage from NYCM at $45 monthly for minimum liability and $98 monthly for full coverage. These rates are competitive for Syracuse, where credit scores heavily impact insurance costs.

Progressive offers the most affordable coverage after a DUI. Minimum and full coverage rates run 65% and 67% below the city average, making it easier to maintain insurance after a major violation.

NYCM offers the lowest car insurance rates after an at-fault accident, with minimum coverage starting at $18 monthly. These rates fall well below typical accident-related premiums in Syracuse, making NYCM the best option for affected drivers.

Progressive offers the most affordable minimum liability rates after a speeding ticket at $30 monthly. Full coverage averages about $55 monthly. These moderate surcharge levels help keep premiums manageable after a citation.

Progressive leads Syracuse with a MoneyGeek score of 95 out of 100. NYCM Insurance follows closely at 94 out of 100.

Progressive combines national resources with innovative coverage options for upstate New York drivers. The company's digital tools and flexible policy options appeal to Syracuse's diverse driver population.

NYCM excels in regional expertise and personalized service for upstate New York conditions. Both insurers maintain strong financial ratings and perform well in customer satisfaction surveys.

Syracuse insurance costs average $596 yearly for minimum coverage and $1,136 yearly for full coverage. These rates rank among New York's lowest, making Syracuse one of the state's most affordable insurance markets.

NYCM charges below-average premiums for Syracuse residents and delivers strong value in upstate New York. Lower population density, moderate traffic and reduced theft rates compared to New York City help keep prices low.

Syracuse's harsh winter weather creates challenges, but risk factors stay manageable. Local drivers save most by maintaining clean driving records and bundling policies on top of already low base premiums.

Syracuse car insurance rates by ZIP code range from $41 to $130 monthly. ZIP code 13207 costs the most, while 13212 costs the least. Find average rates for your ZIP code below.

Syracuse drivers don't face some of New York's highest car insurance rates, but finding affordable coverage still takes work.

Car insurance rates in Syracuse depend on your driving record, vehicle and credit score. NYCM and Progressive consistently offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.

Get clear answers about finding affordable car insurance in Syracuse. Our research helps you understand coverage options and save money while maintaining the protection you need.

To help Syracuse drivers find the most affordable auto insurance companies, MoneyGeek analyzed Syracuse auto insurance rates based on data and information from the New York State Department of Financial Services and Quadrant Information Services. We studied all ZIP codes in Syracuse and hundreds of thousands of quotes for 12 companies offering auto insurance in New York to tailor options as closely as possible to you.

Syracuse Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages in Syracuse with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Syracuse

MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.

The minimum coverage requirements in New York are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies in Syracuse based on the following rating scale:

• Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
• Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
• Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.