The best car insurance in Syracuse, NY

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published October 26, 2021

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The average cost of a full coverage car insurance policy in Syracuse is $1,653 per year. That’s $519 less than the New York state average of $2,172 — but that doesn’t mean Syracuse drivers can’t save even more with savvy shopping.

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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.

Key Takeaways

  • Progressive has the lowest average rate for full coverage car insurance in Syracuse at $894 per year

  • The average cost of car insurance in Syracuse is $1,653 per year

  • New York State minimum liability requirements are $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

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

Progressive

$894

856

Main Street America

$913

--

Erie

$980

880

USAA

$1,080

890

GEICO

$1,123

871

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

13202

$1,703

13203

$1,700

13204

$1,701

13205

$1,706

13206

$1,669

13207

$1,686

13208

$1,688

13210

$1,699

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 Progressive, Main Street America, Erie, USAA, and GEICO.

Violation

Progressive

Main Street America

Erie

USAA

GEICO

At-fault Accident

$1,483

$1,276

$1,597

$1,446

$1,792

DUI

$985

$1,233

$1,906

$1,636

$3,336

Driving with a suspended license

$1,346

$1,233

$1,906

$1,464

$2,359

Driving with an open container

$969

$1,233

$1,906

$1,140

$1,225

Driving with expired registration

$969

$1,029

$1,282

$1,239

$1,111

Driving without Lights

$969

$1,029

$1,282

$1,140

$1,225

Failure to show documents

$969

$1,029

$1,282

$1,239

$1,111

Failure to stop at a red light

$969

$1,029

$1,282

$1,239

$1,225

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

Utica National

$1,745

Preferred Mutual

$1,858

USAA

$2,091

Erie

$2,348

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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 companies in Syracuse are Progressive and Main Street America. But remember that the cheapest car insurance companies for one driver aren’t always the cheapest for another, so you should still shop around and compare prices.

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 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.

Does New York require car insurance?

Yes, The State of New York requires all drivers 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.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.