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 secure the lowest insurance rates while young drivers pay more but remain affordable nationally. NYCM Insurance offers adult drivers coverage at $212 per year, which is 68% below the city average for minimum coverage.

Senior drivers pay $315 per year through NYCM Insurance, representing a 49% increase over adult rates. Young drivers pay $324 per year through NYCM Insurance, which remains exceptionally affordable despite being higher than adult rates.

Even with age-based premium differences, Syracuse maintains remarkably low rates across all demographics. Upstate New York's moderate traffic conditions and lower cost of living contribute to favorable insurance pricing.

Young drivers in Syracuse get the lowest car insurance rates from Progressive, which starts at $71 per month. Kemper follows at $100 monthly. Insurance costs for drivers ages 16 to 25 tend to be higher across upstate New York because of winter weather risks and limited driving experience, but these two insurers consistently offer more affordable pricing than the city average.

Adult drivers ages 26 to 64 will find the cheapest minimum coverage with Kemper, which prices policies about 50% below the city average. Progressive and GEICO also rank well for adults with clean driving records. Syracuse’s year-round weather conditions and steady commuter flow can raise premiums, making these insurers good options for drivers looking for dependable and economical coverage.

Senior drivers in Syracuse receive the lowest minimum coverage rates through Kemper at $40 per month. For full coverage, Progressive offers the cheapest option at $73 monthly. Both carriers deliver below-average pricing for older drivers in a city where medical expenses and vehicle repair costs often push senior premiums higher.

High-risk drivers in Syracuse can find strong pricing from NYCM and Progressive. NYCM offers the lowest premiums for drivers with bad credit, DUIs, and accident records, while Progressive provides the cheapest rates for speeding violations.

• Bad credit: NYCM from $45 per month
• DUI: NYCM from $27 per month
• Accident: NYCM from $18 per month
• Speeding ticket: Progressive from $30 per month

Drivers with bad credit get the most affordable coverage through NYCM, which charges $45 per month for minimum liability and $98 per month for full coverage. These rates are competitive for Syracuse, where credit scores can significantly influence insurance pricing.

Drivers with a DUI get the most affordable coverage from Progressive. Minimum and full coverage rates can be 65% and 67% below the city average, giving drivers a more manageable way to maintain insurance after a major violation.

NYCM offers the lowest car insurance rates for drivers with an at-fault accident, with minimum coverage starting at $18 per month. This is significantly below typical accident-related premiums in Syracuse, making NYCM the strongest option for affected drivers.

For drivers with speeding tickets, Progressive provides the most affordable minimum liability rates at $30 per month. Full coverage averages about $55 monthly. These moderate surcharge levels help drivers keep premiums under control after receiving a citation.

Progressive edges out the competition in Syracuse with a MoneyGeek score of 95 out of 100. NYCM Insurance follows closely with a score of 94 out of 100.

Progressive brings national resources and innovative coverage options to the upstate New York market. The company's digital tools and flexible policy options appeal to Syracuse's diverse driver population.

NYCM Insurance excels in regional expertise and personalized service tailored to upstate New York conditions. Both insurers maintain excellent financial strength ratings and demonstrate consistent performance in customer satisfaction surveys.

Syracuse insurance costs average $596 for minimum coverage and $1,136 for full coverage per year. These rates rank among New York's lowest, making Syracuse an exceptionally affordable insurance market.

NYCM Insurance consistently provides below-average premiums for Syracuse residents, delivering remarkable value in upstate New York. Lower population density, moderate traffic conditions and reduced theft rates compared to New York City all contribute to favorable pricing.

Syracuse's harsh winter weather presents challenges, but overall risk factors remain manageable. Local drivers maximize savings through clean driving records and multi-policy discounts with already low base premiums.

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.

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.

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.