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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 3, 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.

Monthly Syracuse, NY Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Syracuse, New York auto insurance rates by ZIP Code below:

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Syracuse, NY Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Syracuse, New York stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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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.

Which Syracuse, NY car insurance company has the best rates? And how do those rates compare against the average New York car insurance company rates? We’ve got the answers below.

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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.

Syracuse, NY car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Syracuse car insurance rates. Find the cheapest Syracuse, NY car insurance rates by coverage level below:

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Your credit score will play a significant role in your Syracuse car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Syracuse, NY car insurance rates by credit score below.

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Your driving record will play a major role in your Syracuse car insurance rates. For example, other factors aside, a Syracuse, NY DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Syracuse, NY car insurance rates by driving record.

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Factors affecting car insurance rates in Syracuse, NY may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Syracuse, New York car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. NY does use gender, so check out the average monthly car insurance rates by age and gender in Syracuse, NY.

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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.

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

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Monthly Syracuse, NY Car Insurance Rates by ZIP Code
Syracuse, NY Car Insurance Rates vs. Top US Metro Car Insurance Rates
Syracuse, NY Car Insurance Rates by Company vs. City Average
Syracuse, NY Car Insurance Rates by Company and Age
The Cheapest Syracuse, NY Car Insurance Rates by Coverage Level
The Cheapest Syracuse, NY Car Insurance Rates by Credit Score
The Cheapest Syracuse, NY Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Syracuse, NY
Average Monthly Car Insurance Rates by Age & Gender in Syracuse, NY
Monthly Syracuse, NY Car Insurance Rates by ZIP Code
Syracuse, NY Car Insurance Rates vs. Top US Metro Car Insurance Rates
Syracuse, NY Car Insurance Rates by Company vs. City Average
Syracuse, NY Car Insurance Rates by Company and Age
The Cheapest Syracuse, NY Car Insurance Rates by Coverage Level
The Cheapest Syracuse, NY Car Insurance Rates by Credit Score
The Cheapest Syracuse, NY Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Syracuse, NY
Average Monthly Car Insurance Rates by Age & Gender in Syracuse, NY