Drivers in Syracuse pay an average of $1,471 annually for auto insurance, significantly less than the typical driver in New York. To help you find a rate that fits your needs, MoneyGeek analyzed quotes by coverage amount and driving history. The cheapest car insurance in Syracuse is from Erie, costing $707 per year on average. MoneyGeek ranked the best car insurance companies in Syracuse offering affordable, high-quality service.
bestauto insuranceSyracuse2021The Cheapest and Best Car Insurance in Syracuse
The Cheapest Car Insurance Companies in Syracuse
Based on MoneyGeek’s study, the best car insurance companies in Syracuse that offer the most affordable full coverage policies are:
- Erie: $707 per year
- USAA: $752 per year (available to current and former military members only)
You can save as much as $2,229 by comparing quotes from several car insurance companies in Syracuse. The General offers a policy with similar coverage for $2,936, more than four times the cost of car insurance from Erie.
These Syracuse prices are based on a 40-year-old male driver with a policy providing liability insurance to cover third-party costs and comprehensive and collision insurance to cover the driver’s own expenses.
Scroll for more
- CompanyAmountper year
- 1.$707
- 2.$752
- 3.$962
- 4.$1,024
- 5.$1,054
Average Cost of Car Insurance in Syracuse
Syracuse$1,471
New York$3,433
U.S.$1,424
The state of New York has the highest annual average rate for car insurance in the country. It’s also more than double the average rate in Syracuse. Drivers pay an average of $1,471 per year for auto insurance in Syracuse, 57.2% lower than New York’s average rate of $3,433. The cost of car insurance in Syracuse is close to the national average, which is $1,424 — that’s a difference of $47.
The Best Car Insurance Companies in Syracuse
MoneyGeek ranked providers in the city using several criteria and found the best car insurance companies in Syracuse to be:
- Travelers: 90 out of 100
- State Farm: 87.5 out of 100
USAA earned the top spot, but it is not available to most drivers since their policies are only available to military members, veterans and their families. Our unique rating system used different factors to evaluate car insurance companies in Syracuse, including user experience from J.D. Power survey results, financial stability and affordability.
1
USAA
Score:100
2
Travelers
Score:90
3
State Farm
Score:88
4
MetLife
Score:88
5
GEICO
Score:85
6
Allstate
Score:83
7
Nationwide
Score:80
8
Liberty Mutual
Score:80
9
Progressive
Score:78
Personalized Quotes to Get You the Cheapest Car Insurance in Syracuse
Your car insurance quotes may change over time since they depend on factors such as age, marital status and credit score. You should compare personalized quotes from several car insurance companies in Syracuse regularly to see if you’re eligible for discounts or rebates as your circumstances change.
Shopping around for car insurance in Syracuse could save you $764, which is enough to buy:
255Cups of Coffee
59Months of Your Favorite Streaming Service
Cheapest Car Insurance in Syracuse by Coverage Amount
How much coverage you want has the biggest effect on your car insurance premium in Syracuse. For example, a policy meeting the minimum insurance requirements in this city costs an average of $922 per year. If you purchase a full coverage policy with 100/300/100 liability limits, you have to pay $549 more — on average, $1,471 per year.
New York Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$50,000 per person.
- Other$50,000 liability for death per person. $100,000 liability for death per accident.
50/100/50 coverage protects you from damages up to $100,000 from bodily injuries per accident with a limit of $50,000 per person. It also covers up to $50,000 in property damage.
A liability-only policy covers third-party damages, while a policy with full coverage provides additional coverage for damages to your car. Erie offers cheap car insurance in Syracuse and offers a liability-only policy at an average of $464 annually. A full coverage policy, on the other hand, costs around $662. The $198 increase in premium can be worth it depending on your needs because of the additional coverage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$412$464
- 2.$418$442
- 3.$489$550
- 4.$609$660
- 5.$678$730
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$662$707
- 2.$715$752
- 3.$892$962
- 4.$963$1,024
- 5.$991$1,054
Cheapest Car Insurance in Syracuse if You Have Driving Violations
Your car insurance premium in Syracuse will increase if you have any driving violations on your record. For instance, an Erie policyholder in this city pays an average of $707 per year if they have no violations. However, a speeding ticket adds about $95 per year, while an at-fault accident adds $293 on average. A DUI conviction adds $492, for an average rate of $1,199.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$802$1,000$1,199
- 2.$814$934$1,259
- 3.$1,189$1,298$1,189
- 4.$1,287$1,296$1,465
- 5.$1,277$1,632$1,211
Average Cost of Car Insurance by Postal Code
Where you live impacts your car insurance in Syracuse — neighborhoods with higher crime rates tend to have higher premiums as well. Other factors that can increase your car insurance rate are the frequency of car accidents, car thefts, uninsured motorists and road conditions.
In Syracuse, however, average car insurance rates cost $1,471 per year on average, regardless of your ZIP code. If you live elsewhere in the state, you can use postal codes to compare car insurance rates in New York.
- Zip CodeState Minimumper year
- 13208$1,471
- 13210$1,471
Insurance Providers That Serve Syracuse
Factors That Impact Insurance Costs in Syracuse
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Syracuse. How Syracuse ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Syracuse are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
