Syracuse, NY Auto Insurance (2024)

Syracuse, New York auto insurance is priced average to low compared to the rest of New York. The average Syracuse, NY auto insurance rates are $293 per month or $3,519 annually.

Below, compare genuine premiums from providers in your city and learn how to secure cheap Syracuse auto insurance.

Monthly Syracuse, NY Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Syracuse, NY auto insurance rates by ZIP Code below:

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

What city you reside in will impact your car insurance. That’s why it’s essential to compare Syracuse, NY against other top US metro areas’ auto insurance costs.

Compare Syracuse, NY auto insurance quotes for free by entering your ZIP code into our rate tool above.

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

The cheapest Syracuse, NY auto insurance company is Geico. However, your rates depend on your age, driving record, and coverage needs.

The cheapest Syracuse, NY car insurance providers can be found below. You also might be wondering, “How do those Syracuse, NY rates compare against the average New York car insurance company rates?” We uncover that too.

Below, compare the average annual rates for Syracuse auto insurance from the top providers in your city.

• 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

Before you buy Syracuse, NY auto insurance, know that every company uses a different formula to calculate your quotes.

Therefore, to truly secure cheap auto insurance, compare rates from multiple providers before picking a policy.

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

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

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

Your driving record will affect your Syracuse, NY car insurance costs. For example, a Syracuse, New York DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Syracuse, New York car insurance costs by driving record.

Controlling these risk factors will ensure you have the cheapest Syracuse, New York car insurance. Factors affecting car insurance rates in Syracuse, NY may include your commute, coverage level, tickets, DUIs, and credit.

Age is a significant factor for Syracuse, NY car insurance rates. Young drivers are often considered high-risk. This Syracuse, New York does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Syracuse, NY.

What auto insurance coverage is required in Syracuse, NY?

Auto insurance laws vary from state to state. All Syracuse residents must carry the New York minimum level of auto insurance to drive on the roads legally.

You must also register your vehicle in the state of New York and not out-of-state.

Currently, New Yorkers must purchase at least:

• $25,000 per person and $50,000 per incident in bodily injury liability insurance
• $10,000 in property damage liability coverage
• $50,000 in personal injury protection (PIP)

New York is a no-fault state. Your PIP coverage pays for medical bills and lost wages associated with an accident, regardless of fault.

What affects auto insurance rates in Syracuse, NY?

Despite an increase and auto theft rates, the mild Syracuse traffic congestion helps keep insurance costs down in your city.

INRIX ranks Syracuse as the 224th most congested city in America.

Commuter times in your city are also much lower than the national average of 26 minutes.

According to City-Data, the average commute length for Syracuse residents is only 17.4 minutes.

While the Federal Bureau of Investigation (FBI) recorded only 371 vehicle thefts in your town in 2017, that number has steadily increased ever since.

In 2019, there were 395.3 stolen vehicles per every 100,000 Syracuse residents, much higher than the state average.

Syracuse, NY Auto Insurance: The Bottom Line

Overall, Syracuse auto insurance costs less than other major cities in the state.

For example, auto insurance in New York City, NY costs $624 per month compared to only $293 per month in Syracuse.

Quickly secure your best rates by comparing quotes from multiple providers online and asking about auto insurance discounts.

Find affordable Syracuse, NY auto insurance by entering your ZIP code into our free quote tool below.