NYCM offers Syracuse's lowest car insurance rates, with annual premiums of $212 for minimum coverage and $486 for full coverage. Other affordable insurers in the city include Kemper, Progressive and American Family.
Car Insurance in Syracuse
Updated: August 10, 2025
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Key Takeaways
Syracuse's cheapest car insurance companies are NYCM, Progressive and Kemper, with rates up to 61% lower than the city average.
Monthly car insurance costs in Syracuse average $95 for full coverage and $50 for minimum coverage.
Find the best cheap auto insurance in Syracuse by comparing quotes from multiple sources and selecting coverage that matches your needs.
Who Has the Cheapest Car Insurance in Syracuse?
| NYCM | $18 | $41 | -61% |
| Progressive | $29 | $53 | -44% |
| Kemper | $29 | $58 | -41% |
| American Family | $39 | $77 | -21% |
| GEICO | $38 | $78 | -21% |
Compare the Cheapest Syracuse Car Insurance for You
Car insurance rates change significantly based on your driving history and personal details. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Progressive | $55 | $663 | -51% |
| Kemper | $81 | $967 | -29% |
| GEICO | $91 | $1,096 | -20% |
| State Farm | $116 | $1,387 | 2% |
| Allstate | $135 | $1,618 | 19% |
Cheapest Car Insurance by Age Group in Syracuse
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Syracuse, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Progressive (from $71 per month)
- Cheapest Car Insurance for Adults: Kemper (from $29 per month)
- Cheapest Car Insurance for Seniors: Kemper (from $40 per month)
Cheapest Car Insurance for Young Drivers in Syracuse
Progressive and Kemper offer the most affordable car insurance for young drivers in Syracuse, with monthly rates starting at $71 and $100 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Progressive | $71 | $857 | -45% |
| Kemper | $100 | $1,198 | -24% |
| GEICO | $109 | $1,313 | -16% |
| Allstate | $137 | $1,641 | 5% |
| State Farm | $144 | $1,734 | 11% |
Cheapest Car Insurance for Adult Drivers in Syracuse
In Syracuse, Kemper provides the lowest rates for adult drivers (26 to 64), saving drivers around 50% on average. Progressive and GEICO are also among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Kemper | $29 | $348 | -50% |
| Progressive | $29 | $352 | -49% |
| GEICO | $38 | $461 | -33% |
| State Farm | $63 | $760 | 10% |
| Allstate | $71 | $857 | 24% |
Cheapest Car Insurance for Senior Drivers in Syracuse
For seniors in Syracuse, Kemper offers the lowest rate for minimum coverage at $40 per month ($481 annually), while Progressive provides the cheapest full coverage at $73 per month ($872 annually).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Kemper | $40 | $481 | -46% |
| Progressive | $42 | $510 | -42% |
| GEICO | $50 | $604 | -32% |
| State Farm | $73 | $873 | -1% |
| Allstate | $90 | $1,079 | 22% |
Cheapest Car Insurance for High-Risk Drivers in Syracuse
These insurance companies offer the lowest rates for high-risk drivers in Syracuse:
- Cheapest for Bad Credit: NYCM (from $45 per month)
- Cheapest With a DUI: NYCM (from $27 per month)
- Cheapest With an Accident: NYCM (from $18 per month)
- Cheapest With a Speeding Ticket: Progressive (from $30 per month)
Cheapest Car Insurance for Bad Credit in Syracuse
NYCM offers the cheapest car insurance for bad credit drivers in Syracuse, with monthly rates starting at $45 for minimum coverage and $98 for full coverage. These affordable rates apply to state minimum liability coverage and full coverage with 100/300/100 liability limits and a $1,000 deductible.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| NYCM Insurance | $45 | $537 | -44% |
| Erie Insurance | $48 | $574 | -40% |
| Geico | $58 | $692 | -28% |
| Mercury Insurance | $69 | $826 | -14% |
| Travelers | $72 | $868 | -10% |
Cheapest Car Insurance With a DUI in Syracuse
Progressive offers the most affordable car insurance rates in Syracuse for drivers with a DUI. You can save up to 67% on full coverage and 65% on minimum coverage compared to the city average.
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
| Progressive | $55 | $665 | -67% |
| Kemper | $80 | $961 | -52% |
| State Farm | $130 | $1,557 | -22% |
| Allstate | $174 | $2,084 | 4% |
| Travelers | $186 | $2,237 | 12% |
Cheapest Car Insurance With an Accident in Syracuse
NYCM offers the lowest car insurance rates in Syracuse for drivers with an accident, with premiums starting at $18 per month. You'll pay 71% less than the city average with Progressive's state minimum liability coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| NYCM Insurance | $18 | $212 | -71% |
| Progressive | $29 | $352 | -52% |
| Kemper | $40 | $485 | -35% |
| Geico | $44 | $533 | -28% |
| American Family | $50 | $604 | -18% |
Cheapest Car Insurance With a Speeding Ticket in Syracuse
For Syracuse drivers with speeding tickets, Progressive offers the cheapest car insurance options. Their minimum liability coverage costs about $30 per month, while their full coverage policy with higher limits runs around $55 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Progressive | $30 | $363 | -52% |
| Kemper | $35 | $417 | -45% |
| GEICO | $44 | $533 | -30% |
| State Farm | $70 | $843 | 10% |
| Allstate | $84 | $1,004 | 31% |
Best Car Insurance Companies in Syracuse
In Syracuse, the leading car insurance companies are Progressive, NYCM, Erie, American Family and GEICO. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Progressive | 95 | 2 | 4 | 1 |
| NYCM | 94 | 1 | 9 | 6 |
| Erie | 88 | 6 | 1 | 2 |
| American Family | 87 | 4 | 6 | 7 |
| GEICO | 87 | 5 | 8 | 7 |
Progressive: Best Coverage Options
pros
Extensive coverage selections available
Strong customer service ratings
High claims satisfaction scores
cons
Higher rates than some competitors
Limited local office presence
COMPANY HIGHLIGHTS
Progressive ranks first in Syracuse for its comprehensive coverage options and strong customer service. The company stands out with the highest coverage score in our analysis, offering extensive add-on protections for Syracuse drivers. While not the cheapest option, Progressive delivers reliable claims handling and helpful online tools. The company particularly excels for high-risk drivers, offering competitive rates for those with DUIs.
NYCM: Best for Affordable Rates
pros
Lowest rates in Syracuse
Multiple driver discounts available
Local New York expertise
cons
Fewer coverage options
Limited digital tools
COMPANY HIGHLIGHTS
NYCM offers the most affordable car insurance in Syracuse across multiple driver categories. Local drivers save significantly, with rates about 40% below the city average. The company provides the cheapest rates for young drivers, seniors, and those with speeding tickets or accidents. While NYCM has fewer coverage options than some competitors, its combination of low rates and local market expertise makes it an excellent choice for budget-conscious drivers.
How Much Is Car Insurance in Syracuse?
In Syracuse, minimum coverage costs about $50 per month or $596 per year, ranking 1010th out of all New York cities for affordability. Full coverage averages $95 monthly or $1,136 annually, ranking 994th among New York cities.
| Full Coverage | $95 | $1,136 |
| Minimum Coverage | $50 | $596 |
Compare Personalized Syracuse Car Insurance Costs
Since your profile may not match the simpler rate breakdowns above, use this table to filter Syracuse car insurance rates by your age, driving record and other key factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $99 | $1,185 | -15% |
Syracuse Car Insurance Costs by ZIP Code
In Syracuse, car insurance rates by ZIP code range from $41 to $130 per month. ZIP code 13207 is the most expensive, while 13212 is the cheapest. Check the average rates for your ZIP code below.
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Zip Code:13202
| 13202 | $46 | $89 |
How to Get the Best Cheap Syracuse Car Insurance
With Syracuse drivers facing some of New York's highest car insurance rates, finding affordable coverage can feel overwhelming. Our step-by-step guide shows you how to secure cheap car insurance while getting the protection you need.
- 1
Calculate your coverage requirements
Find out how much coverage you need for your Syracuse driving situation. Use our car insurance coverage needs calculator to evaluate factors like your vehicle's value, your assets, and your risk tolerance.
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Explore alternative coverage options
Look beyond standard types of car insurance to find potential savings. Consider pay-per-mile insurance if you drive infrequently, or non-owner coverage if you don't own a vehicle but occasionally drive.
- 3
Check Syracuse insurance costs
Research average vehicle insurance costs in Syracuse to establish a realistic budget. Understanding local rates helps you recognize good deals and avoid overpaying. Consider factors like your neighborhood and driving history.
- 4
Maximize available discounts
Take advantage of every car insurance discount opportunity. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and defensive driving courses can lead to additional savings.
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Research insurance company reputations
Investigate each insurer's reputation for customer service and claims handling in Syracuse. Check local reviews, complaint records and financial stability ratings. A company's track record matters as much as their prices when choosing your provider.
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Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to check you're getting the most competitive rates.
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Review your policy annually
Set a yearly reminder to review your coverage and shop for new quotes. Life changes, driving habits, and insurance rates evolve over time.
Cheapest Car Insurance in Syracuse: Bottom Line
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.
Cheap Syracuse Car Insurance: FAQ
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.
What is the cheapest car insurance company in Syracuse, New York?
NYCM offers the lowest rates in Syracuse, with annual premiums of $212 for minimum coverage and $486 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Syracuse?
Progressive leads Syracuse's car insurance market with a MoneyGeek score of 95 out of 100, scoring one point above NYCM. Progressive delivers excellent value through competitive rates and quality service.
What is the average cost of car insurance in Syracuse?
In Syracuse, drivers pay $1,136 for full coverage and $596 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Syracuse expensive?
Car insurance in Syracuse costs more than average, ranking 1010th for minimum coverage affordability and 994th for full coverage compared to other New York cities.
How We Chose the Best and Cheapest Car Insurance in Syracuse, NY
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.