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Cheapest car insurance in Syracuse, New York (Feb 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Syracuse, New York.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in Syracuse

On average,
auto insurance
in Syracuse costs about $104 per month for minimum coverage liability insurance, and about $202 per month for full coverage insurance. Syracuse drivers pay 13% than the
New York
average.  
Coverage type
Syracuse, NY
New York
United States
State minimum
$104
$122
$77
Full coverage
$202
$211
$165
Every month, thousands of wise car insurance shoppers in Syracuse come to
Jerry
to
compare and buy car insurance
most efficiently. Below are some of the cheapest car insurance quotes Jerry found for our Syracuse customers.
Cheapest insurers in Syracuse, NY
Overall standout: Kemper
$27/month for liability-only, $96/month for full coverage
Best for minimum coverage: Met360
$23/month on average
Best for full coverage: State Auto
$99/month on average

Best car insurance companies in Syracuse

There isn’t a specific provider that serves the best
car insurance
to everyone in Syracuse
To give drivers a clearer look into how the most affordable car insurance companies compare, Jerry conducted the largest insurance survey in the nation. The results: the cheapest insurer varies from person to person. Since
car insurance quotes
are based on individual factors like your age and driving record, along with each insurer’s individual calculation formula, this is only to be expected. 
However, that doesn’t mean there aren’t a few standout companies—not only in terms of price, but customer satisfaction and claims handling. According to our research, here are a few of the top-rated (and cheapest) companies in Syracuse.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating
$27
$96
4.5
4.1
$62
$99
4.3
4.4
$53
$111
4.0
4.3
$34
$128
4.2
4.6
$62
$151
4.2
4.4
$81
$188
3.9
4.2
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Syracuse

Drivers in Syracuse are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.

Cheap minimum liability insurance quotes in Syracuse

As per New York car insurance laws, Syracuse drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes: 
We’ve compiled some examples of Syracuse providers with the cheapest state minimum liability coverage.
Insurance company
Monthly minimum coverage cost
$27
$34
$53
$57
$62
$62
Clearcover
$79
$81

Do you need more than minimum coverage in Syracuse?

New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Syracuse drivers.
Additional protection like collision coverage could save you from costs associated with unexpected damages to your car. Increasing liability limits can also help prevent you from paying out of pocket—especially if you’re ever at fault in an accident resulting in a totaled vehicle (or more than one). 
The risk of winter storms, heavy rain, and high winds in Syracuse causing non-collision damage to your car may also make a strong case for adding comprehensive coverage. This type of protection can also keep you financially secure against vandalism and vehicle theft.
For better financial protection in Syracuse, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.

Cheap full coverage car insurance quotes in Syracuse

New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
Full coverage includes
comprehensive
and
collision coverage
:
  • Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
  • Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Typically, leased or financed vehicles require collision and comprehensive coverage.
Browse the table below to see how Jerry’s agents recently helped Syracuse customers obtain affordable full coverage policies.
Insurance company
Monthly full coverage cost
$96
$99
$111
$128
$151
$188
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
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Average cost of car insurance in Syracuse by zip code

The cost of car insurance in Syracuse can greatly differ depending on your specific zip code. Each individual zip code within Syracuse has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag. The table below shows the cheapest and most expensive ZIP codes in Syracuse.
ZIP code
Monthly coverage cost
13214
$86
13209
$97
13207
$125
13202
$131
13208
$133
13203
$137
13211
$140

Car insurance quotes in Syracuse by rating factors 

Insurance companies in Syracuse use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Syracuse?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in Syracuse:

Cheap car insurance quotes in Syracuse after driving violations

Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include: 

Cheapest car insurance in Syracuse after speeding ticket

Not only will a New York speeding ticket set you back hundreds of dollars, but your car insurance rates in Syracuse could be up to 20.2% more expensive for years afterward. 
To find savings, you’ll need to compare car insurance quotes from as many providers as you can—and the providers listed below offer some of the lowest rates:
Insurance company
Monthly coverage cost
$58
$75
$163
$239
$392

Cheapest car insurance in Syracuse after DUI

A
DUI violation
will certainly skyrocket your car insurance rate in Syracuse. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.
While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple insurers—and these providers supply some of the lowest rates.
Insurance company
Monthly coverage cost
$80
$101
$218

Cheapest car insurance in Syracuse after an at-fault accident

Car accidents
on your claim history can significantly impact your car insurance rates in Syracuse. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. 
Even though New York is a
no-fault state
, Syracuse drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Having an at-fault accident on your record can lead to as much as 15% higher rates. 
Fortunately, there are several providers in Syracuse who offer cheaper than average premiums for drivers with an at-fault accident on their record:
Insurance company
Monthly full coverage cost
$86
$89
$121
$162
$181
$184
And for those seeking a minimum coverage policy, can find lower rates with these insurers:
Insurance company
Monthly minimum coverage cost
$51
$62
$81
$90
$104
$192

Cheapest car insurance in Syracuse after other driving violations

Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Syracuse.
For example, drivers with a suspension can generally find the cheapest rates with
Travelers
($99/month). On the other hand, those who enact illegal turns may find cheaper premiums with
Safeco
($134/month).
Here’s a list of different driving violations and the average cost of a full coverage policy with some of the best (and cheapest) providers:
Violation
Top insurance provider
Monthly coverage cost
Suspension
$99
Failure to show documents
$115
Failure to obey signal
$124
Illegal Turn
$134

Cheap car insurance quotes in Syracuse by age

Young people and seniors generally face the highest insurance rates. Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York.
Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their 60s.
Age group
Monthly minimum coverage cost
Monthly full coverage cost
18-21
$346
$489
22-25
$237
$385
26-34
$135
$226
35-44
$111
$186
45-54
$103
$170
55-64
$108
$151
65+
$81
$163

Cheapest car insurance in Syracuse for young drivers

Car insurance can be high for everyone in Syracuse, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.
Here are some of the most affordable providers for young drivers in Syracuse. 
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
$127
$392
$192
$356
$197
$461
$231
$437

Cheapest car insurance in Syracuse for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics. 
Although drivers in this age demographic often pay cheaper premiums, motorists can still save with these insurers:
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
$36
$100
$48
$87
$54
$118
$85
$191
Additionally, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in Syracuse for senior drivers

Drivers can expect higher premiums once they reach 55-64 years old, however, these rates tend to decrease for Syracuse drivers once more after they turn 65+.
Here are some affordable rates Jerry has been able to find senior policyholders with some of the top providers:
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
$40
$82
$65
$102
$91
$85
$102
$144

Cheap car insurance quotes in Syracuse based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status—here are some of the cheapest providers for those with an insurance lapse on their record.
Insurance company
Monthly coverage cost
$98
$115
$154
$167

Cheap car insurance quotes in Syracuse for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Credit score
Monthly coverage cost
< 600
$156
601-699
$138
700+
$97
Generally, drivers with great credit scores (over 700) will pay less on car insurance compared to individuals with poorer scores (below 600). 
Here are the top providers offering affordable insurance coverage for those with a credit score under 600: 
Insurance company
Monthly coverage cost
$74
$118
$121
$156

How to lower car insurance costs in Syracuse

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. If you remain accident- and violation-free for a set number of years (typically three to five) you may qualify for a discounted rate from your insurer.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Syracuse?

People living in Syracuse pay on average $104 per month – or $1,248 per year – on state-minimum liability coverage. Full coverage in Syracuse costs on average $202 per month or $2,424 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Syracuse?

According to Jerry data, most policyholders in Syracuse find lower than average minimum coverage rates with 
Kemper
Travelers
, and . For full coverage, 
Kemper
State Auto
, and 
Nationwide
 offer the cheapest premiums.

What is the minimum car insurance in Syracuse, New York?

The state-minimum car insurance in Syracuse, New York is $25,000 in bodily injury liability per person, $50,000 per accident, and $50,000 for damage to property. These coverages are commonly referred to as 25/50/50 coverage.

What is the best car insurance in Syracuse?

While there is no 'best' provider for all drivers, most Syracuse motorists can find cheap full and minimum coverage with 
Kemper
, while other insurers, such as Met360 and 
State Auto
 provide lower than average premiums.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.