Cheapest Monthly Rates by Coverage and Driver Profile in Syracuse:
Full coverage: NYCM ($40)
Minimum coverage: NYCM ($17)
Teens (16 to 25): NYCM ($67)
Seniors (65+): NYCM ($56)
At-fault accident: NYCM ($17 for minimum coverage)
Speeding ticket: NYCM ($24 for minimum coverage)
DUI: NYCM ($27 for minimum coverage)
Cheapest Car Insurance in Syracuse (2026 Rates)
Updated: December 18, 2025
Advertising & Editorial Disclosure
Quick Take
NYCM: Cheapest across many driver profiles. At $17 monthly for minimum coverage and $40 monthly for full coverage, NYCM saves most drivers 33% annually compared to Syracuse's average.
Progressive: Second cheapest at $29 for minimum and $52 full coverage. It's affordable for young drivers, senior drivers and drivers with an accident on their record.
Kemper: Ranks third for affordability across different driver profiles in Syracuse.
Cheapest Car Insurance in Syracuse by Coverage Type
NYCM offers Syracuse's lowest rates for both coverage types. For minimum coverage, NYCM costs $17 monthly, 61% below the city average. Kemper charges $28 monthly, 41% below average. For full coverage, NYCM costs $40 monthly (61% savings) and Progressive charges $53 monthly (44% savings). Your ZIP code and driving record affect rates. Compare quotes from multiple insurers.
| NYCM Insurance | $18 | $41 | -61% |
| Kemper | $29 | $58 | -41% |
| Progressive | $29 | $53 | -44% |
| Geico | $38 | $78 | -21% |
| American Family | $39 | $77 | -21% |
Not in Syracuse? Read more about the cheapest car insurance or the best provider in New York.
Cheapest Syracuse Car Insurance for Teen and Young Drivers
Young drivers in Syracuse pay higher premiums due to limited experience. NYCM offers the lowest rates at $67 monthly. Progressive charges $124 monthly and American Family costs $149 monthly. Stay on your parents' policy rather than buying separate coverage, this saves hundreds annually. Defensive driving courses reduce premiums by 5% to 15% with most insurers.
| NYCM Insurance | $68 | $811 | -70% |
| Progressive | $125 | $1,498 | -45% |
| American Family | $149 | $1,788 | -34% |
| Erie Insurance | $165 | $1,979 | -27% |
| Kemper | $177 | $2,125 | -22% |
Cheapest Syracuse Car Insurance for Senior Drivers
Senior drivers in Syracuse can reduce premiums through multiple discounts. NYCM charges $56 monthly for full coverage, Progressive costs $72 monthly and Kemper charges $73 monthly. Defensive driving courses cut premiums by up to 10%, savings last three years. Most insurers offer accident forgiveness for drivers 65 and older, protecting against rate increases after the first claim.
| NYCM Insurance | $56 | $673 | -58% |
| Progressive | $73 | $872 | -46% |
| Kemper | $74 | $882 | -45% |
| Geico | $100 | $1,204 | -25% |
| Erie Insurance | $111 | $1,332 | -17% |
Cheapest Syracuse Car Insurance by Driving Record
Violations increase premiums, but rates vary between insurers in Syracuse. After a DUI, NYCM charges $27 monthly for minimum coverage and Progressive costs $30 monthly. For speeding tickets, NYCM charges $24 monthly and Progressive costs $30 monthly. After at-fault accidents, NYCM charges $17 monthly and Progressive costs $29 monthly for minimum coverage.
Compare quotes after any violation, insurers weigh infractions differently. Speeding tickets affect rates for three to five years. DUIs impact premiums for up to 10 years.
| At-Fault Accident | NYCM Insurance | $18 | -71% |
| At-Fault Accident | Progressive | $29 | -52% |
| DUI | NYCM Insurance | $27 | -66% |
| DUI | Progressive | $31 | -62% |
| Speeding Ticket | NYCM Insurance | $24 | -60% |
| Speeding Ticket | Progressive | $30 | -51% |
Syracuse Car Insurance Costs by ZIP Code
ZIP codes affect car insurance rates in Syracuse. Drivers in 13207 pay $130 monthly for full coverage, while 13212 residents pay $78 monthly, a $52 difference. Insurers evaluate theft rates, traffic patterns and accident frequency by ZIP code. Get quotes using your exact ZIP code for accurate rates.
Most Expensive ZIP Codes in Syracuse
| 13207 | $130 |
| 13206 | $128 |
| 13244 | $114 |
| 13203 | $90 |
| 13204 | $90 |
| 13205 | $90 |
| 13202 | $89 |
| 13208 | $89 |
| 13210 | $89 |
| 13224 | $88 |
Least Expensive ZIP Codes in Syracuse
| 13212 | $78 |
| 13215 | $81 |
| 13214 | $81 |
| 13290 | $88 |
| 13224 | $88 |
| 13210 | $89 |
| 13208 | $89 |
| 13202 | $89 |
| 13205 | $90 |
| 13204 | $90 |
Choose Your Best Syracuse Car Insurance Company
Progressive ranks highest in Syracuse with a MoneyGeek score of 95 out of 100. Progressive offers comprehensive coverage, competitive rates and strong customer support. NYCM, Erie, American Family and GEICO complete the top five for Syracuse drivers.
| Progressive | 95 | 2 | 4 | 1 |
| NYCM Insurance | 94 | 1 | 9 | 6 |
| Erie Insurance | 88 | 6 | 1 | 2 |
| American Family | 87 | 4 | 6 | 7 |
| Geico | 87 | 5 | 8 | 7 |
Progressive: Best Overall
pros
Strong coverage options in Syracuse
Snapshot program rewards safe driving
Mobile claims with immediate response vehicles
cons
Higher rates than competitors
Inconsistent claims processing
Limited coverage customization
COMPANY HIGHLIGHTS
Progressive offers advanced digital tools and personalized coverage for Syracuse drivers. The 24/7 mobile app and online claims filing help during Syracuse's harsh winters. The Snapshot program rewards safe drivers navigating heavy traffic and unpredictable weather. Progressive provides competitive rates for young and senior drivers, plus comprehensive coverage for Syracuse's high theft rates and weather damage from snow and flooding.
NYCM: Best Overall Value
pros
Low rates for high-risk drivers
24/7 claims hotline with online tracking
Accident forgiveness prevents premium increases
cons
Inconsistent customer service and claims delays
Limited specialized coverage options
Rates increase significantly after claims
COMPANY HIGHLIGHTS
NYCM ranks first in Syracuse for affordability and weather protection, offering the lowest rates for young drivers, seniors and drivers with violations. Fast Track Claim Service operates 24/7. The MY NYCM app streamlines claims filing for Syracuse drivers. NYCM's comprehensive coverage protects against snow, ice and storm damage with roadside assistance for winter breakdowns. As a New York-based insurer, NYCM provides local expertise with Accident Forgiveness and bundling discounts.
How to Lower Your Car Insurance Rates in Syracuse
Syracuse drivers pay high insurance costs, but multiple strategies reduce premiums.
- 1Bundle and save
Bundle auto with home or renters insurance for 15% to 25% savings. Add good driver and paperless billing discounts. Multi-car households save 10% to 25% per vehicle, total savings reach 30% to 40% when combined.
- 2Consider a higher deductible
Raising your deductible from $500 to $1,000 cuts premiums by 1015% annually. Keep emergency savings to cover the higher deductible if filing a claim.
- 3Review your policy yearly
Insurers adjust rates based on Syracuse's risk factors and claims data. After three years of clean driving, violations drop off your record and you qualify for better rates. Compare quotes annually.
Cheap Syracuse Car Insurance: FAQ
MoneyGeek analyzed Syracuse insurance rates to answer common coverage questions.
Is car insurance in Syracuse expensive?
Syracuse car insurance costs $95 monthly for full coverage, mid-range for New York. Brooklyn has the state's highest rates at $277 monthly, while Campbell has the lowest at $36 monthly.
How We Chose the Best and Cheapest Car Insurance in Syracuse, NY
Finding affordable car insurance in Syracuse starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and New York’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 13207 often pay much more than those in 13212.
We partnered with the New York State Department of Financial Services and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Syracuse ZIP code.
Our ratings for the best car insurance in Syracuse are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Syracuse neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.