Auto insurance costs in Syracuse vary based on your circumstances and the insurers you compare.
Our data shows minimum coverage in Syracuse is about 9% higher than the national average.
Regularly compare quotes from different insurers for the best rates.
We pinpoint cost-effective car insurance providers, ensuring affordability in Syracuse, regardless of your driving history, for both minimum and full coverage.
- Liability: Covers medical costs (BI) for others and damage to their vehicles (PD) in accidents where you are at fault.
- Collision: Manages expenses for your vehicle’s damages from collisions with other vehicles or road hazards.
- Comprehensive: Handles damages from animals, natural disasters, theft, or vandalism to your vehicle.
- MedPay (Medical Payments Coverage): Takes care of medical expenses for you and your passengers post-accident.
- PIP (Personal Injury Protection): Covers medical bills and potential lost wages for you and your passengers after an accident.
- UM/UIM (Underinsured/Uninsured Motorist Coverage): Provides protection for property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) if involved in an accident with an inadequately insured or uninsured driver.
Key Findings:
- Our data reveals that the most affordable minimum coverage for responsible drivers in Syracuse starts at $29 per month.
- For good drivers seeking full coverage, the least expensive option begins at $101 per month.
- NY Central Mutual and Progressive stand out as the most budget-friendly auto insurance companies, offering the lowest rates for minimum and full coverage, respectively
Top Affordable Car Insurance Options in Syracuse
When it comes to finding the best cheap car insurance in Syracuse, New York, NY Central Mutual, GEICO, Progressive, and Erie top the list.
These providers stand out for offering competitive rates for both minimum and full-coverage car insurance. Additionally, they provide a wide range of coverage options along with excellent customer service.
Syracuse Car Insurance Companies and Ratings
Here’s a breakdown of our ratings for various car insurance companies in Syracuse, based on factors such as customer satisfaction and pricing.
The monthly average costs for both minimum coverage and full coverage for a single, male driver aged 25 to 35 with good credit and a clean driving history are as follows:
| Car Insurance Companies | Our Score | Minimum Coverage Monthly Average | Full Coverage Monthly Average |
|---|---|---|---|
| NY Central Mutual | – | – | – |
| GEICO | 4.6 | $41 | $119 |
| Progressive | 4.3 | $41 | $101 |
| Erie | 4.5 | $42 | $117 |
| Travelers | 4.5 | $112 | $226 |
| Allstate | 4.1 | $75 | $153 |
*All cost tables within this article represent average car insurance rates for the driving profile of a single, male driver aged 25 to 35 with good credit and a clean driving history.
Rate data was sourced from Quadrant Information Services.
Syracuse Car Insurance Quotations
In the event of causing a car accident in Syracuse, having minimum car insurance coverage is essential, as it covers damages or injuries caused to other individuals.
Our data indicates that minimum coverage typically amounts to approximately $61 per month or $730 per year in Syracuse, reflecting a cost about 9 percent higher than the national average.
For comprehensive protection, a full-coverage car insurance policy addresses damages to your own vehicle resulting from accidents or environmental factors.
On average, our data shows that full coverage is priced at around $152 per month or $1,830 per year in Syracuse.
In comparison to the national average cost of car insurance, Syracuse is approximately 17 percent less expensive.
Affordable Liability Insurance Providers in Syracuse
For the most economical insurance option in Syracuse, minimum coverage proves to be the cheapest.
Our top recommendations are NY Central Mutual and GEICO, as our data reveals they offer the most budget-friendly rates for minimum auto insurance. Responsible drivers can secure monthly rates as low as $29 from NY Central Mutual and $41 from GEICO.
| Car Insurance Company | Monthly Minimum Coverage Average | Annual Minimum Coverage Average |
|---|---|---|
| NY Central Mutual | $29 | $350 |
| GEICO | $41 | $490 |
| Progressive | $41 | $495 |
| Erie | $42 | $501 |
| USAA | $46 | $554 |
| State Farm | $71 | $850 |
| Allstate | $75 | $898 |
| Chubb | $91 | $1,090 |
| Travelers | $112 | $1,344 |
Inexpensive Full-Coverage Car Insurance in Syracuse
Our data indicates that Progressive provides the most affordable full-coverage insurance in Syracuse, with rates as low as $101 per month.
Additionally, NY Central Mutual ($107 per month) and Erie ($117 per month) offer competitively priced options.
Full coverage includes liability, comprehensive, and collision insurance, making it a comprehensive protection package for your vehicle.
If you have an auto loan, full insurance coverage is often required by lenders to ensure your car is safeguarded in various situations.
| Car Insurance Company | Monthly Full Coverage Average | Annual Full Coverage Average |
|---|---|---|
| Progressive | $101 | $1,216 |
| NY Central Mutual | $107 | $1,282 |
| Erie | $117 | $1,407 |
| GEICO | $119 | $1,422 |
| USAA | $124 | $1,489 |
| Allstate | $153 | $1,838 |
| State Farm | $157 | $1,890 |
| Travelers | $226 | $2,708 |
| Chubb | $268 | $3,216 |
Impact of Driver Profiles on Syracuse Car Insurance Quotes
Your individual circumstances play a crucial role in determining the cost of your car insurance.
Car insurance rates are influenced by factors such as your driving history, age, type of vehicle, credit score, and even the specific ZIP code in Syracuse where you reside.
Insurance companies consider various elements when setting rates, making it important to recognize that the insurer offering the most competitive rates for you may not necessarily be the most cost-effective choice for your neighbor.
Let’s delve into specific examples to illustrate this point.
Variation in Syracuse Car Insurance Rates Based on ZIP Code
Differences in accident, vandalism, and theft rates across various ZIP codes in Syracuse can impact your car insurance premiums.
The table below illustrates how average rates can either increase by 7.4 percent or decrease by 2.6 percent based on the specific ZIP code in Syracuse.
| Syracuse ZIP Code | Full Coverage Monthly Average | Full Coverage Annual Average | Difference From Syracuse Average |
|---|---|---|---|
| 13212 | $141 | $1,695 | -7% |
| 13208 | $156 | $1,870 | 2% |
| 13210 | $156 | $1,877 | 3% |
| 13204 | $156 | $1,878 | 3% |
Credit Score’s Impact on Car Insurance in Syracuse
In many states, insurance companies may consider credit scores when determining insurance premiums.
This is because individuals with lower credit scores are perceived as more likely to file insurance claims, leading to higher premiums for them.
If you possess a poor credit score in Syracuse, your insurance rates could be elevated. Conversely, if your credit score is above average, you may enjoy lower insurance costs.
Affordable Car Insurance Options in Syracuse for Poor-Credit Drivers
For individuals with less-than-ideal credit scores, it is advisable to compare insurance rates from different companies.
GEICO, for instance, offers budget-friendly rates for drivers with poor credit, with monthly premiums starting at $53 for minimum coverage and $156 for full coverage.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| GEICO | $53 | $156 |
| NY Central Mutual | $67 | $242 |
| USAA | $69 | $237 |
| Chubb | $106 | $318 |
| Erie | $108 | $277 |
| Allstate | $129 | $256 |
| State Farm | $155 | $344 |
| Travelers | $192 | $401 |
| Progressive | $324 | $788 |
Syracuse Car Insurance Expenses Based on Age
The cost of car insurance in Syracuse is significantly impacted by age.
Teenagers typically face higher insurance premiums due to their propensity for reckless driving, increased accident rates, and traffic rule violations.
In Syracuse, 16-year-olds carrying their own insurance policies incur approximately $198 per month for minimum coverage or $496 per month for full coverage.
As individuals transition from their teens into their 20s and beyond, insurance rates generally decrease.
The most affordable car insurance is often found within the 35 to 55 age range, with seniors experiencing slightly higher rates due to an elevated risk of accidents.
The following table illustrates the average monthly rates for minimum and full coverage insurance in Syracuse based on age.
| Driver Age | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| 16 | $198 | $496 |
| 25 | $64 | $164 |
| 30 | $61 | $152 |
| 35 | $58 | $141 |
| 45 | $57 | $137 |
| 55 | $55 | $130 |
Affordable Car Insurance Providers in Syracuse for Teen Drivers
While auto insurance for teenagers tends to be expensive, some insurance companies offer more budget-friendly options.
NY Central Mutual, for instance, stands out as a cost-effective choice for teens, with minimum coverage rates of $62 per month and full-coverage rates of $245 per month.
Other affordable options for 16-year-olds include GEICO and Erie.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| NY Central Mutual | $62 | $245 |
| GEICO | $153 | $462 |
| Erie | $155 | $390 |
| Progressive | $164 | $330 |
| USAA | $209 | $554 |
| Chubb | $242 | $669 |
| Allstate | $258 | $554 |
| State Farm | $266 | $592 |
| Travelers | $272 | $673 |
Impact of Driving Records on Syracuse Car Insurance Costs
If you have a history of accidents or speeding tickets, your car insurance costs are likely to rise.
On average, accidents and tickets contribute to increased rates for a duration of three years.
Our data reveals that drivers with a speeding ticket can expect an 18 percent hike in insurance rates, while an at-fault accident may result in a 36 percent increase, and a DUI or DWI could lead to a 39 percent rise.
Different insurance companies use varied methods to determine rate increases.
NY Central Mutual, Progressive, and USAA emerge as cost-effective options for drivers with different types of violations.
The following are average monthly rates for drivers with a speeding ticket, at-fault accident, or DUI.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| NY Central Mutual | $39 | $145 |
| Progressive | $53 | $127 |
| USAA | $60 | $159 |
| Erie | $61 | $176 |
| State Farm | $81 | $178 |
| GEICO | $84 | $232 |
| Allstate | $94 | $203 |
| Chubb | $114 | $346 |
| Travelers | $129 | $266 |
Most Affordable Car Insurance in Syracuse After a Speeding Ticket
For drivers seeking the most budget-friendly insurance rates after receiving a speeding ticket, our data highlights NY Central Mutual as the top choice for low monthly rates.
On average, drivers can secure minimum coverage for as low as $36 per month, while Progressive offers the cheapest full-coverage rates at $119 per month.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| NY Central Mutual | $36 | $135 |
| Progressive | $49 | $119 |
| Erie | $50 | $149 |
| USAA | $53 | $141 |
| GEICO | $66 | $189 |
| State Farm | $79 | $173 |
| Allstate | $87 | $189 |
| Chubb | $102 | $306 |
| Travelers | $124 | $253 |
Most Affordable Car Insurance in Syracuse After an At-Fault Accident
At-fault accidents often result in higher insurance rates, and NY Central Mutual emerges as the most economical option for minimum coverage, with an average monthly rate of $36.
For full-coverage insurance, NY Central Mutual continues to offer competitive rates at $135 per month.
The significant variation between the least and most expensive companies is evident in the comparison below.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| NY Central Mutual | $36 | $135 |
| USAA | $60 | $159 |
| Erie | $65 | $184 |
| GEICO | $66 | $189 |
| Progressive | $67 | $155 |
| State Farm | $86 | $188 |
| Allstate | $98 | $204 |
| Chubb | $133 | $410 |
| Travelers | $134 | $275 |
Most Affordable Car Insurance in Syracuse After a DUI
A DUI conviction can substantially impact your insurance rates, often resulting in significant annual increases. In Syracuse, Progressive stands out as the most cost-effective choice for minimum coverage, offering rates as low as $43 per month.
For full coverage, Progressive maintains its affordability with an average monthly rate of $106.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| Progressive | $43 | $106 |
| NY Central Mutual | $46 | $164 |
| USAA | $68 | $179 |
| Erie | $70 | $196 |
| State Farm | $79 | $173 |
| Allstate | $97 | $216 |
| Chubb | $107 | $324 |
| GEICO | $119 | $316 |
| Travelers | $130 | $271 |
Car Insurance Requirements in Syracuse
To meet the insurance standards in Syracuse, drivers must carry a minimum-coverage policy that includes bodily injury liability coverage, property damage liability coverage, personal injury protection, and uninsured motorist bodily injury coverage.
The specific requirements are as follows:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $10,000 property damage liability per accident
- $50,000 personal injury protection
- $50,000 liability per death per person
- $100,000 liability for death per accident
- $25,000 uninsured motorist bodily injury coverage per person
- $50,000 uninsured motorist bodily injury coverage per accident
Affordable Auto Insurance in Syracuse: Our Recommendation
On average, Syracuse drivers face a cost approximately 9 percent higher than the national average for car insurance.
FAQs About the Most Affordable Car Insurance in Syracuse:
What is the average cost of car insurance in Syracuse?
Based on our rate data, responsible drivers in Syracuse typically pay an average of $61 per month or $730 per year for minimum-coverage insurance.
For full-coverage insurance, the rates average around $152 per month or $1,830 per year.
Is car insurance more expensive in Syracuse?
Syracuse’s full-coverage insurance averages about $1,830 annually, 18% below New York’s $2,248 and 17% under the national $2,216 average..
What is the monthly cost of car insurance in New York?
The average monthly expense for minimum-coverage car insurance in New York is $75, totaling $894 annually.
For full-coverage auto insurance, the average monthly cost is $187, amounting to $2,248 per year.
Which car insurance company is considered the best in New York?
NY Central Mutual is recognized as the top car insurance company in New York, earning a score of [score] out of 5 in our assessment.
comprehensive evaluation encompasses factors such as costs, coverage options, reliability, and overall service quality.
Related: Cheap Car Insurance Springfield MO
Our Evaluation Process:
The process is designed to provide consistent and impartial assessments of car insurance providers. Emphasizing qualities crucial for consumers
Our review team considers the following key factors:
Cost: Comparing costs between insurers can be challenging due to the numerous factors influencing annual premiums.
Our cost score considers insurance rate estimates from Quadrant Information Services, available discounts, and consumer feedback.
Coverage:
We determine the coverage score by evaluating the range of coverage options provided, including coverage limits and deductible choices.
Additionally, we take into account additional services and benefits, such as roadside assistance.
Reliability:
Ensuring an insurer can meet its claims obligations is paramount.
A strong financial strength rating from AM Best and a history of reliable service contribute to a positive reliability score.
Service:
Customer reviews on platforms like the Better Business Bureau (BBB) provide insights into customer experiences.