Compare Syracuse, NY Car Insurance Rates (2021)

Car insurance in Syracuse, NY averages $293 a month. Syracuse, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Syracuse car insurance rates, compare quotes from the top car insurance companies in Syracuse, NY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Syracuse, NY are $3,519/year
  • The cheapest car insurance company in Syracuse for teen drivers is GEICO
  • The cheapest car insurance company in Syracuse is GEICO

If you need to buy Syracuse, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Syracuse, NY is right here.

You’ll find Syracuse car insurance rates, the cheapest Syracuse, NY car insurance companies, and information on New York car insurance laws. You can also compare Syracuse, New York car insurance rates to Yonkers car insurance rates, New York car insurance rates, and New Rochelle car insurance rates.

Ready to find affordable Syracuse, NY car insurance today? Enter your ZIP code for fast, free Syracuse car insurance quotes.

Cheapest Syracuse, NY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Syracuse, NY car insurance rates? Every Syracuse, New York car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Syracuse, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,674 $2,514 $2,527 $2,576 $8,164 $8,819 $2,617 $2,640
GEICO $1,534 $1,480 $1,497 $1,475 $3,294 $4,879 $1,380 $1,426
Liberty Mutual $3,633 $3,633 $3,387 $3,387 $7,092 $11,487 $3,633 $3,852
Nationwide $2,395 $2,395 $2,259 $2,259 $4,342 $6,478 $2,395 $3,067
Progressive $1,915 $1,781 $1,534 $1,553 $6,707 $7,477 $2,486 $2,415
State Farm $2,362 $2,362 $2,065 $2,065 $7,061 $9,073 $2,604 $2,749
Travelers $2,740 $2,746 $2,530 $2,700 $6,637 $7,930 $2,913 $3,024
USAA $1,468 $1,438 $1,341 $1,334 $5,994 $7,111 $1,867 $2,053

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Minimum Car Insurance in Syracuse, NY

Every driver must carry the minimum car insurance in Syracuse, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Syracuse, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Syracuse, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Syracuse, NY. Compare credit history car insurance rates in Syracuse from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Syracuse, New York

Insurance Company Poor Fair Good
Allstate $5,839 $3,417 $2,943
GEICO $2,657 $1,952 $1,752
Liberty Mutual $7,006 $4,590 $3,443
Nationwide $3,199 $3,199 $3,199
Progressive $5,099 $2,652 $1,949
State Farm $5,356 $3,358 $2,664
Travelers $5,363 $3,396 $2,949
USAA $4,309 $2,210 $1,959

Cheapest Syracuse, NY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Syracuse, NY to rates for a clean record with top companies.

Annual Syracuse, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,412 $3,412 $5,083 $4,360
GEICO $1,650 $1,799 $3,384 $1,650
Liberty Mutual $3,986 $3,986 $8,092 $3,986
Nationwide $2,441 $2,441 $5,416 $2,497
Progressive $3,144 $3,144 $3,482 $3,164
State Farm $3,608 $3,608 $3,978 $3,978
Travelers $3,304 $4,180 $4,243 $3,883
USAA $2,498 $2,540 $3,724 $2,540

Cheapest Syracuse, NY Car Insurance for Teen Drivers

Teen car insurance in Syracuse, NY can be expensive. Take a look at rates from the top car insurance companies in Syracuse for teenagers.

Annual Car Insurance Rates for Teen Drivers in Syracuse, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,164 $8,819
GEICO $3,294 $4,879
Liberty Mutual $7,092 $11,487
Nationwide $4,342 $6,478
Progressive $6,707 $7,477
State Farm $7,061 $9,073
Travelers $6,637 $7,930
USAA $5,994 $7,111

Cheapest Syracuse, NY Car Insurance for Seniors

Take a look at Syracuse, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Syracuse, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,527 $2,576
GEICO $1,497 $1,475
Liberty Mutual $3,387 $3,387
Nationwide $2,259 $2,259
Progressive $1,534 $1,553
State Farm $2,065 $2,065
Travelers $2,530 $2,700
USAA $1,341 $1,334

Cheapest Syracuse, NY Car Insurance Rates After a DUI

A DUI in Syracuse, NY increases car insurance rates. Compare Syracuse, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Syracuse, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,083
GEICO $3,384
Liberty Mutual $8,092
Nationwide $5,416
Progressive $3,482
State Farm $3,978
Travelers $4,243
USAA $3,724

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Cheapest Syracuse, NY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Syracuse, NY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Syracuse, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,011 $4,122
GEICO $2,057 $2,184
Liberty Mutual $4,873 $5,152
Nationwide $3,199 $3,199
Progressive $3,233 $3,233
State Farm $3,658 $3,927
Travelers $3,902 $3,902
USAA $2,798 $2,854

Cheapest Syracuse, NY Car Insurance Rates by ZIP Code

Syracuse car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Syracuse, NY.

Annual Car Insurance Rates by ZIP Code in Syracuse, New York

ZIP Code Average Annual Rates
13202 $3,783
13203 $3,778
13204 $3,775
13205 $3,786
13206 $3,513
13207 $3,757
13208 $3,734
13209 $3,246
13210 $3,592
13212 $3,236
13214 $3,359
13215 $3,400
13219 $3,261
13224 $3,537
13244 $3,603
13290 $3,424

The Best Cheap Car Insurance Companies in Syracuse, NY

Take a look at a side-by-side comparison of the top car insurance companies in Syracuse, NY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Syracuse, New York

Insurance Company Average Annual Rates
Allstate $4,066
GEICO $2,121
Liberty Mutual $5,013
Nationwide $3,199
Progressive $3,233
State Farm $3,793
Travelers $3,902
USAA $2,826

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Category Winners: Cheapest Car Insurance in Syracuse, New York

Find the cheapest car insurance companies in Syracuse, NY for each category right here.

Best Annual Car Insurance Rates by Company in Syracuse, New York

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Cheapest Syracuse, NY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Syracuse car insurance rates. Find the cheapest Syracuse, NY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Syracuse, New York

Insurance Company Low Medium High
Allstate $3,833 $4,052 $4,314
GEICO $2,019 $2,119 $2,224
Liberty Mutual $4,790 $4,996 $5,253
Nationwide $3,018 $3,177 $3,402
Progressive $3,082 $3,223 $3,395
State Farm $3,594 $3,816 $3,969
Travelers $3,712 $3,870 $4,125
USAA $2,741 $2,813 $2,922

What affects car insurance rates in Syracuse, New York?

What factors can have an impact on Syracuse, NY car insurance? There are several reasons why Syracuse car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Syracuse, New York.

Commute Time in Syracuse

The more time you spend in your car the higher the risk of an accident. The average commute length in Syracuse, NY is 18.0 minutes according to City-Data.

Traffic in Syracuse

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Syracuse, NY traffic data from INRIX ranks Syracuse as the 885th-most congested in the world.

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Compare Car Insurance Quotes in Syracuse, NY

Ready to find affordable Syracuse, New York car insurance today? Enter your ZIP code for fast, free Syracuse, NY car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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