Compare Syracuse, NY Car Insurance Rates (2021)

The cheapest Syracuse, NY car insurance is from GEICO, but rates will vary by driver. Auto insurance in Syracuse must meet the state minimum requirements of 25/50/10 in liability coverage, $25,000 in PIP, and 25/50 in uninsured/underinsured motorist coverage. Compare Syracuse, NY auto insurance rates online to find your best deal.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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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Founder & CFP®

UPDATED: May 2, 2021

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Here's what you need to know...

  • GEICO has the cheapest car insurance on average in Syracuse, NY
  • Syracuse car insurance is cheaper than average
  • Syracuse rates of traffic and auto theft are pretty low

Syracuse, NY car insurance is less expensive than the New York car insurance average. In fact, it’s lower than the national average as well.

You still want to find the most affordable Syracuse, NY car insurance out there. Shop around and compare quotes from multiple companies to see who can offer you cheap car insurance that fits your needs.

Enter your ZIP code now to compare Syracuse, NY car insurance rates from companies near you for free.

What is the cheapest car insurance company in Syracuse, NY?

On average, GEICO offers the cheapest car insurance in Syracuse, but rates will vary for each driver.

The top Syracuse, NY car insurance companies listed from least to most expensive are:

  • GEICO – $2,120.64
  • USAA – $2,825.67
  • Nationwide – $3,198.87
  • Progressive – $3,233.49
  • State Farm – $3,792.67
  • Travelers – $3,902.49
  • Allstate – $4,066.38
  • Liberty Mutual – $5,012.79

Car insurance is affected by many different factors, such as your age, driving record, and credit history. Even the Syracuse, NY weather can raise your rates since snow, ice, and rain can lead to more accidents.

Where you live and the size of your city can also affect your auto insurance rates. Larger cities typically see more traffic and auto theft causing rates to go up. For example, the cost of car insurance in New York City, NY is much higher than Syracuse rates.

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What car insurance coverage is required in Syracuse, NY?

Like most states, New York requires drivers to carry at least a minimum amount of car insurance. Drivers in Syracuse must have:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $50,000 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

These minimums may not be sufficient in a serious accident so drivers should consider raising these limits. Drivers may also want to add additional coverages such as collision and comprehensive so that damages to their own vehicle are covered.

What affects car insurance rates in Syracuse, NY?

If you live in a city with a high volume of traffic, that can also affect your car insurance rates. More cars on the road equal a higher chance of being in an accident.

INRIX ranks Syracuse, NY as the 224th most congested city in the U.S. This is good news for area drivers who don’t have to spend much time sitting in traffic.

City-Data reports that most Syracuse drivers spend about 20 minutes commuting. While most drivers tend to commute alone, a significant amount of commuters carpool, walk, or take public transportation.

Auto theft in your city can also raise your rates. According to the FBI, there were 371 motor vehicle thefts in Syracuse in one year.

Syracuse, NY Car Insurance: The Bottom Line

Although car insurance in the city is cheaper than average, shop around before you buy Syracuse, NY car insurance. Compare rates from different companies to see who can offer you the best deal.

Enter your ZIP code now to compare Syracuse, NY car insurance quotes for free today.

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