The average cost of a full coverage car insurance policy in Syracuse is $1,545 per year. That’s $503 less than the New York state average of $2,048 — but that doesn’t mean Syracuse drivers can’t save even more with savvy shopping.
If you’re looking to get the lowest possible rate on car insurance, shop around and get quotes from multiple companies. Policygenius can help you figure out which companies have the cheapest rates so you can compare coverage and find the right policy for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Syracuse, NY
Insurance costs vary based on where you live, your age, your driving history, and the kind of car you drive. Each insurance company uses its own formula for determining rates, so you can get very different rates from two companies for the same coverage.
Even within the same city, different ZIP codes can result in different rates. The table below shows the five cheapest car insurance companies in Syracuse along with their J.D. Power score.
Company | Average cost | JD Power Rating |
|---|---|---|
New York Central Mutual | $58/month | -- |
Kemper | $66/month | 798 |
Progressive | $78/month | 861 |
Main Street America | $80/month | -- |
Erie | $87/month | 893 |
Cheapest car insurance rates by ZIP code in Syracuse, NY
Exactly where you live in a city can have a big impact on your car insurance rates. Insurance companies look at your ZIP code to assess risk factors in your neighborhood. These include the availability of secure parking or street parking, reports of thefts and vandalism, and even the number of accidents and traffic tickets issued. Below are the car insurance rates for ZIP codes in Syracuse.
ZIP code | Average cost |
|---|---|
13212 | $1,391 |
13214 | $1,434 |
13215 | $1,437 |
13206 | $1,548 |
13290 | $1,558 |
13224 | $1,559 |
13207 | $1,565 |
13208 | $1,567 |
13210 | $1,577 |
13203 | $1,578 |
Choosing the right car insurance company in Syracuse, NY
Choosing the right car insurance company may seem like a difficult task, but it’s easier than you might think. Consider the following factors:
Cost: To avoid overpaying, get quotes from multiple companies and compare options
Coverage: Choose a policy with coverage that protects you, but don’t purchase more coverage than you need
Customer service: Check third-party ratings to make sure the company you’re choosing is well-liked by current customers
Policygenius can help you see how much you’ll pay for various levels of coverage so you can make an informed decision.
Car insurance rates for drivers with driving violations in Syracuse, NY
Your driving history can have a positive or negative impact on how much you pay for car insurance. Any tickets will increase your rates, and accidents will increase them even more, especially if you’re determined to be at-fault after a crash. The more violations you have on your driving record, the more you’ll pay for car insurance coverage.
The table below shows the average annual car insurance rates in Syracuse for drivers with a variety of violations for NYCM, Kemper, Progressive, Main Street America, and Erie.
New York Central Mutual | Kemper | Progressive | Main Street America | Erie | |
|---|---|---|---|---|---|
At-fault accident | $951 | $1,193 | $1,549 | $1,322 | $1,670 |
Suspended license | $1,166 | $1,170 | $1,406 | $1,280 | $1,777 |
Open container | $737 | $1,074 | $1,012 | $1,280 | $1,777 |
Expired registration | $737 | $1,074 | $1,012 | $1,080 | $1,349 |
Driving without lights | $737 | $1,074 | $1,012 | $1,080 | $1,349 |
Running a red light | $737 | $1,074 | $1,012 | $1,080 | $1,349 |
Following too closely | $737 | $1,074 | $1,012 | $1,080 | $1,349 |
Hit and run | $1,166 | $1,170 | $1,406 | $1,280 | $1,777 |
Not-at-fault accident | $737 | $846 | $987 | $1,038 | $1,349 |
Passing a school bus | $737 | $1,074 | $1,012 | $1,280 | $1,349 |
Reckless driving | $1,066 | $1,170 | $1,406 | $1,280 | $1,349 |
Cheapest car insurance for drivers with a DUI in Syracuse, NY
Company | Rates for drivers with DUIs |
|---|---|
Progressive | $1,030 |
New York Central Mutual | $1,166 |
Kemper | $1,170 |
Main Street America | $1,280 |
Erie | $1,777 |
Cheapest car insurance for drivers with a speeding ticket in Syracuse, NY
Company | Rates for drivers with speeding tickets |
|---|---|
New York Central Mutual | $951 |
Progressive | $1,169 |
Kemper | $1,170 |
Main Street America | $1,280 |
Erie | $1,349 |
Cheapest car insurance for drivers with bad credit in Syracuse, NY
Most insurance companies consider your credit score when determining your car insurance rates. The following table shows the five cheapest car insurance companies in Syracuse for drivers with bad credit.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,420 |
New York Central Mutual | $1,667 |
Preferred Mutual | $1,795 |
Utica National | $1,807 |
USAA | $2,091 |
Buying car insurance in Syracuse, NY
The State of New York requires car insurance to register a vehicle. Every registered vehicle must have at least:
$10,000 for property damage liability per accident
$25,000 for bodily injury and $50,000 for death for a person involved in an accident
$50,000 for bodily injury and $100,000 for death of two or more people in an accident
Insurance coverage has to be in effect throughout the time your vehicle is registered, even if you’re not driving it every day. The policy must also be issued under the same name as the vehicle registrant. Two registrants may be listed, but both need to be on the insurance policy and provide proof of identity.
When you get insurance, the company will give you either printed or electronic ID cards. It will also send an electronic notice of insurance coverage to the DMV. Both of these are required in order to register your vehicle.
Additionally, the coverage must be issued by a company licensed by the NY State Department of Financial Services and certified by the NY State DMV. You may not have insurance from out of state. If you move to New York and have existing insurance in another state, inquire with your agent about transferring your policy or obtaining a new policy.
How to get cheap car insurance in Syracuse, NY
There are multiple ways to get cheap car insurance in Syracuse, including:
Driving record: Avoid accidents and moving violations (including speeding tickets) to keep your rates low.
Watch your credit: Good credit will help you get a good car insurance rate while bad credit can raise your rates.
Shop around: Compare rates from multiple insurance companies to see which offers the best rates
Look for discounts: Car insurance companies offer a wide range of discounts including low mileage discounts, safe driver discounts, good student discounts, and even professional discounts for groups including firefighters and teachers.
Bundle your insurance: Consider getting policies for rental or homeowners insurance through the same carrier. This may get you a reduced rate on both policies.
Frequently asked questions
Who has the cheapest car insurance rates in Syracuse?
According to our data, the cheapest car insurance company in Syracuse is New York Central Mutual. NYCM has an average rate that's $696 per year.
How can I save on my car insurance in Syracuse?
There are a few things you can do to save on car insurance costs. Avoid accidents and violations, keep a good credit score, and get quotes from multiple companies to get the best rates.
Is car insurance required in Syracuse?
Yes, in Syracuse (and the rest of New York) all drivers must have limits of 10,000 for property damage liability per accident, $25,000 for bodily injury and $50,000 for death for a person involved in an accident, and $50,000 for bodily injury and $100,000 for death of two or more people in an accident.
Is New York a no-fault state?
Yes, New York is a no-fault state. This means that every driver must seek compensation for injuries from their own car insurance company, not from the other driver’s car insurance company.
