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Are you looking for cheap auto insurance in Syracuse, NY? From AutoInsuranceEZ.com, you will find the cheapest insurance policy locally. In order to obtain free car insurance estimates offered by the leading providers right away, input your zip code within the quote box in this posting.

Syracuse, the “Crossroads of New York State”, was nicknamed for its central location and excellent transportation system. The city also boasts several high-quality educational institutions and a cornucopia of cultural attractions These are all thanks to a large series of urban renewal projects which began in the 1960’s.

  • Fun fact: were you aware that Syracuse is #11 on the list of “Top 100 cities with old houses but young residents (pop. 50,000+)”? Read up on Syracuse by visiting here.

Auto Insurance Coverage Requirements in New York

Driving legally in Syracuse requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 25,000/50,000
Medical Payments Not required 100,000
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

Uninsured Motorist coverage doesn’t just protect you from drivers who, for whatever reason, choose to drive illegally without purchasing insurance coverage. It can also protect you in the event that a hit-and-run driver causes your accident.

Your typical New York motorist is probably paying about $98 each month to remain insured. Luckily, Syracuse drivers can lower their premiums down to $59/mo* if they act fast!

Average Monthly Auto Insurance Premiums Legend: Syracuse Amica Allstate Central Mutual State Farm Nationwide 10 20 30 40 50 60 70 80 90 100 $42 $50 $41 $62 $100

 

For the lowest rates, look to Amica, Central Mutual, or Allstate for a good deal. But if you’re thinking about switching, make sure your prospective company also offers stellar customer service and expedient claims services.

New York auto insurance providers evaluate different variables when calculating insurance prices, particularly marital status, accident claims, credit score/rating, driving distance to work, and theft protection devices. Also keep in mind that premiums could vary from one company to another. To make sure you’re still being charged the cheapest price, evaluate cheap Syracuse auto insurance estimates on the internet.

Major Car Insurance Factors in Syracuse

There is a wide array of many things which might factor into the rate quotes you obtain. Even though many specific details aren’t actually something you can do something about, some of them are factors that you can change for the better. Here are a few things which might change your automobile insurance premium:

  • Your Zip Code

Your car insurance rates can vary according to where you call home. In general, populous areas possess increased car insurance rates as the additional number of car owners on the highway raises the probability of a collision! The population of Syracuse is 144,669 and also the typical household earnings are $31,683.

Auto Insurance by Zip Code Legend: Buffalo New York Rochester Syracuse Yonkers Amica Allstate Central Mutual State Farm Nationwide 30 60 90 120 150 180 210 240 270 $59 $125 $37 $42 $67 $64 $102 $56 $50 $57 $70 $135 $39 $41 $70 $136 $186 $64 $62 $85 $134 $281 $84 $100 $170

 

  • Automotive Accidents

Depending on what zip code you live in, rates could be automatically higher or lower based on statistics such as the number of fatal accidents which occur on a yearly basis. If you are concerned about the number of accidents in your area, contact your local agent. While you’re at it, ask about Safe Driver discounts, too.

Fatal Accidents in Syracuse, NY Legend: Syracuse Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 7 14 3 7 11 4

 

  • Auto Thefts in Syracuse

Residing in a major urban center (Chiefly any that has a significant crime rate) increases your chance of being a victim of auto thieves. In cases where your overall area has substantial rates of claims for theft, you can expect to spend a lot more for your car insurance to attempt to counter these costs. The total amount of taken vehicles in 2013 was 394 for Syracuse. If you’re concerned about auto theft, a Comprehensive coverage addition to your policy can protect you.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Amica Allstate Central Mutual State Farm Nationwide 25 50 75 100 125 150 175 200 225 250 $42 $142 $50 $112 $41 $114 $62 $137 $100 $261

 

  • Your Credit Score

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x to 3x higher than someone with better credit – although some providers may be willing to give you a break.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Amica Allstate Central Mutual State Farm Nationwide 15 30 45 60 75 90 105 120 $58 $87 $50 $126 $39 $74 $56 $132 $110 $110

 

  • Your Age

Young drivers are statistically more likely to cause car accidents than any other type of driver. Because of this, they are charged much more for their monthly premiums than older drivers. However, you should look into discounts for teens, such as Good Student discounts, or discounts for taking Drivers Ed.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Amica Allstate Central Mutual State Farm Nationwide 35 70 105 140 175 210 245 280 315 350 $42 $275 $50 $189 $41 $124 $62 $205 $100 $355

 

  • Your Driving Record

The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer). Luckily, you can get at least one minor ticket ignored if you qualify for Accident Forgiveness.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Amica Allstate Central Mutual State Farm Nationwide 15 30 45 60 75 90 105 120 $42 $58 $124 $42 $50 $58 $65 $50 $41 $41 Do Not Sell $41 $62 $69 $69 $62 $100 $110 $128 $100

 

  • Your Vehicle

Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don’t cost as much to insure.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Amica Allstate Central Mutual State Farm Nationwide 25 50 75 100 125 150 175 200 225 250 $42 $153 $50 $140 $41 $186 $62 $162 $100 $262

 

Minor Car Insurance Factors in Syracuse

The factors below can be a little harder to control, but they can also raise or lower your monthly premium:

  • Your Marital Status

For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.

  • Your Gender

Gender has almost no substantial influence on your monthly rate. Many companies don’t charge different premiums based on gender at all. And those for those that still do, the rate rarely fluctuates beyond a 2-3% price difference.

  • Your Driving Distance to Work

Compared to other cities in New York, Syracuse has delightfully short commute times which usually only last between 10-28 minutes. Most drivers will take their own automobile to work along (69%), while around 14-16% are more likely to carpool. 8% prefer to walk.

Driving fewer miles each year, or reserving your vehicle for trips to and from work only, won’t save you much on your monthly rates. The only thing which will influence your price is whether or not you designate your vehicle as “for business” use. Business vehicles are typically charged 10-12% more each month.

  • Your Coverage and Deductibles

Getting all the coverage you need can be expensive. That’s why some companies will charge you less per month if you agree to raise your deductible. However, be sure to save a little money away in case of an emergency if you choose to go this route.

  • Education in Syracuse, NY

29% of residents in Syracuse have achieved their high school diploma or a similar equivalent. Meanwhile, 24% have yet to complete all four years of high school. And speaking of education, there’s something all Syracuse motorists should know: the further you take your education, the more money you can save on your auto insurance policy! It’s even better than what you might get for having a prestigious job, or a high salary.

Nearly 50 different educational institutions service the Syracuse area, educating over 215,000 students each year. Syracuse University offers bachelors and graduate degrees from 13 different colleges, and LeMoyne College is a private university affiliated with the Catholic Church. SUNY also operates a medical school in Syracuse. For those who would prefer to spend less time in school, there is the Onondaga Community College, or Cayuga Community College.

Ascertaining your own personal financial risk can be very challenging or inconceivable for the common insurance shopper. Insurance providers have got an advantage over shoppers due to their research and experiential expertise. Discover the things that insurance providers don’t really want anyone to learn.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

New York Department of Financial Services

New York Department of Financial Services – Insurance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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