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 |
|---|---|---|---|---|
| Kemper | $27 | $96 | 4.5 | 4.1 |
| State Auto | $62 | $99 | 4.3 | 4.4 |
| Nationwide | $53 | $111 | 4.0 | 4.3 |
| Travelers | $34 | $128 | 4.2 | 4.6 |
| Safeco | $62 | $151 | 4.2 | 4.4 |
| Plymouth Rock | $81 | $188 | 3.9 | 4.2 |
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:
- $10,000 per accident of property damage liability coverage
- $25,000 per person / $50,000 per accident of bodily injury liability coverage
- $25,000 per person / $50,000 per accident of bodily injury uninsured motorist coverage
- $50,000 of personal injury protection
We’ve compiled some examples of Syracuse providers with the cheapest state minimum liability coverage.
| Insurance company | Monthly minimum coverage cost |
|---|---|
| Kemper | $27 |
| Travelers | $34 |
| Nationwide | $53 |
| Encompass | $57 |
| Safeco | $62 |
| State Auto | $62 |
| Clearcover | $79 |
| Plymouth Rock | $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.
The bottom lineFor 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 minimum coverage cost |
|---|---|
| Kemper Preferred | $96 |
| State Auto | $99 |
| Nationwide | $111 |
| Travelers | $128 |
| Safeco | $151 |
| Plymouth Rock | $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.
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 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.
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:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
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 |
|---|---|
| Allstate | $58 |
| State Auto | $75 |
| Dairyland | $163 |
| Plymouth Rock | $239 |
| Bristol West | $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 |
|---|---|
| Progressive | $80 |
| Plymouth Rock | $101 |
| Safeco | $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 |
|---|---|
| Kemper | $86 |
| Nationwide | $89 |
| Safeco | $121 |
| Progressive | $162 |
| Allstate | $181 |
| Mercury Auto | $184 |
And for those seeking a minimum coverage policy, can find lower rates with these insurers:
| Insurance company | Monthly minimum coverage cost |
|---|---|
| Safeco | $51 |
| Nationwide | $62 |
| Progressive | $81 |
| Mercury Auto | $90 |
| Allstate | $104 |
| Bristol West | $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 | Travelers | $99 |
| Failure to show documents | Travelers | $115 |
| Failure to obey signal | Plymouth Rock | $124 |
| Illegal Turn | Safeco | $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 |
|---|---|---|
| Safeco | $127 | $392 |
| Progressive | $192 | $356 |
| Plymouth Rock | $197 | $461 |
| Allstate | $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 |
|---|---|---|
| Travelers | $36 | $100 |
| State Auto | $48 | $87 |
| Nationwide | $54 | $118 |
| Allstate | $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 |
|---|---|---|
| Travelers | $40 | $82 |
| Progressive | $65 | $102 |
| Nationwide | $91 | $85 |
| Allstate | $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 |
|---|---|
| Kemper | $98 |
| Nationwide | $115 |
| Travelers | $154 |
| Safeco | $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 |
|---|---|
| Plymouth Rock | $74 |
| Progressive | $118 |
| Bristol West | $121 |
| Safeco | $156 |
Cheap car insurance quotes in Syracuse for popular cars
Your insurance rate is based on multiple factors, including the type of car you drive. If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle.
Popular cars in Syracuse include:
- Nissan Rogue
- Honda CR-V
- Chevy Equinox
- Dodge RAM 1500
Now that we know what some of the most popular cars in the city are, let’s pivot into the cheapest coverage for each model.
| Vehicle type | Top insurance provider | Monthly coverage cost |
|---|---|---|
| Honda CR-V | Met360 | $27 |
| Chevrolet Equinox | Met360 | $49 |
| Dodge Ram 1500 | Metlife | $64 |
| Nissan Rogue | Progressive | $119 |
Learn more: How to get car insurance before buying a car
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.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
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
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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.
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.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*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.
