Best Syracuse, NY Auto Insurance in 2024
If you want to buy Syracuse, NY auto insurance, you'll want to know Syracuse, NY auto insurance is $118 per month on average. You can find cheaper auto insurance in Syracuse, NY, when you compare multiple companies. However, your Syracuse, NY car insurance will depend on factors that determine rates, such as age, credit score, driving record, and vehicle. Even marital status and gender have a small effect on car insurance in Syracuse, NY. Compare and shop around to find the cheapest Syracuse auto insurance.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 10, 2024
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- Syracuse, NY motorists pay about $118 each month for auto insurance.
- Your auto insurance rates can be cheaper when you compare multiple Syracuse, NY auto insurance companies.
- Marital status and gender have a small impact on Syracuse car insurance.
- On average, Syracuse workers have a shorter drive than other New York commuters, which means more car insurance savings in Syracuse, NY.
Cheap auto insurance in Syracuse, NY, has become much easier to find with through the web. Our extensive guide on Syracuse, NY, car insurance will show you the factors determining car insurance rates. Also, we’ll explain how comparing multiple companies can lower the cost of Syracuse, NY auto insurance.
Find the cheapest car insurance in Syracuse, NY, by entering your ZIP code in the FREE comparison tool above. To learn more about affordable Syracuse, NY auto insurance rates, continue reading.
What is the average cost of Syracuse, NY auto insurance?
Searching for the cost of auto insurance can be frustrating. That’s because different factors determine car insurance. However, we have a projection of what you could pay per month in Syracuse, NY.
Syracuse, NY Average Monthly Auto Insurance Rates vs. New York and National Average
| Syracuse, NY Average Monthly Rate | New York Average Monthly Rate | National Average Monthly Rate |
|---|---|---|
| $118 | $142 | $129 |
We’ve compared the car insurance in Syracuse, NY, to the state and national average to give an idea of how much you can save on auto insurance in Syracuse, New York. Your rates will vary when you grab a personalized quote. Continue reading the next few sections to learn how Syracuse, NY auto insurance changes due to coverage requirements.
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Syracuse, NY Auto Insurance Coverage Requirements
According to the New York Department of Financial Services, you’ll need the minimum requirements to drive in Syracuse, NY.
New York Auto Insurance Coverage Requirements
| Auto Insurance Coverage | NY Coverage Requirements | Most Common Coverage Amounts in NY |
|---|---|---|
| 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 also protects you from drivers who choose to drive illegally without purchasing insurance coverage. The New York Department of Motor Vehicles recommends this coverage protects you from a hit-and-run driver further.
With medical payments, it’s also essential to look into health insurance companies in Syracuse, NY.
How much is car insurance per month in NY? Your typical New York motorist is probably paying about $142 each month to remain insured.
Cheapest Syracuse, NY Auto Insurance Companies
So, is car insurance in Syracuse, New York expensive? It can be, depending on where in the state you reside. Luckily, Syracuse drivers can lower their premiums down to $59 per month if they act fast! Let’s examine the cost of Syracuse, NY, monthly auto insurance.
Who offers the cheapest Syracuse car insurance? 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 reasonable claims services.
Most major insurance companies can be found in Syracuse, including Progressive, Geico, and The General.
New York auto insurance providers evaluate different variables when calculating insurance prices, including marital status, accident claims, credit score/rating, driving distance to work, and theft protection devices.
Keep in mind that premiums will vary from one company to another. To make sure you’re still being charged the lowest price, evaluate cheap Syracuse auto insurance estimates on the internet.
Where can I find cheap car insurance near me?
It’s easy. Just use our comparison tool below.
Major Syracuse, NY Auto Insurance Factors
There’s a wide array of factors that might affect the car insurance quotes in Syracuse, NY. Some factors you can change for the better.
This short video from Allstate discusses some of the things that insurance companies look at when determining your auto insurance rates.
Let’s go over a few things that might change your automobile insurance premium.
Your ZIP Code
Your car insurance rates can vary depending on where you call home. In general, highly populated areas have higher car insurance rates, as a greater number of cars on the road means an increased likelihood that you will get into an accident.
The population of Syracuse is 144,669, and the average household income is $31,683.
As you can see, rates can differ based on where you live and the insurance company you use.
Automotive Accidents
Depending on what ZIP code you live in, rates could be higher or lower based on statistics such as the number of fatal accidents every year. The City-Data statistics reveal the number of Syracuse, NY fatal accidents.
If you’re concerned about the number of accidents in your area, contact your local agent. While you’re at it, ask about safe driver discounts, too.
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 auto theft claims, you can expect to spend a lot more on your car insurance to attempt to counter these costs.
The total number of stolen vehicles in Syracuse was 394 in 2013. If you’re concerned about auto theft, adding comprehensive coverage to your policy can protect you.
Learn about basic vs. comprehensive coverage in the chart below.
For more information on rates, contact your insurance agent.
Your Credit Score
It turns out your credit score is one of the most influential factors in determining your insurance premiums. Look at the chart below. If you have poor credit, your rates could be anywhere from two to three times higher than someone with better credit — although some providers may be willing to give you a break.
We have provided some information on insurance rates based on credit score in the chart below.
As you can see, in almost all cases, those with poor credit pay higher rates.
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 driver’s education courses.
Older drivers usually pay much less in insurance rates.
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 insure you (or drop you as a customer).
Luckily, you can get at least one minor ticket ignored if you qualify for Accident Forgiveness. So, there are ways to get cheap auto insurance with tickets.
Several driving violations can cause increased insurance rates.
Your Vehicle
Luxury vehicles will cost more to replace and also require more coverage, hence the extra expense. Less expensive and relatively common cars, however, typically don’t cost as much to insure.
Before buying a new car, contact your insurance agent about the rates you’ll have to pay. For easy auto insurance comparisons, use our quote box below.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
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Enter your ZIP code below to compare auto insurance rates.
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Minor Syracuse, NY Auto Insurance Factors
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 premium. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this. Let’s compare auto insurance rates in Syracuse, NY, based on marital status.
Syracuse, NY Average Monthly Auto Insurance Rates by Marital Status
| Marital Status | Syracuse, NY Average Monthly Rates |
|---|---|
| Single | $114 |
| Married | $114 |
| Divorced | $118 |
| Widowed | $118 |
Divorced and widowed drivers pay a little more than single and married drivers. Depending on the age of the driver, you may be to save more.
Your Gender
Gender has almost no significant influence on your rates. Many companies don’t charge different premiums based on gender at all. And for those that still do, the rate rarely fluctuates beyond a two or three percent price difference. Examine our research below to compare Syracuse, NY car insurance between males and females.
Syracuse, NY Average Monthly Auto Insurance Rates by Gender
| Gender | Syracuse, NY Average Monthly Rates |
|---|---|
| Female | $122 |
| Male | $118 |
Usually, men would pay more auto insurance, considering they take more risks than females when behind the wheel. The difference, however, isn’t major.
Your Driving Distance to Work
Compared to other cities in New York, Syracuse has fairly short commute times of 10-28 minutes on average. Most commuters drive their vehicle to work (69 percent), while around 14-16 percent are more likely to carpool. Eight percent prefer to walk.
In the chart below, we’ve provided average rates from a few companies based on commute distance.
Syracuse, NY Average Annual Auto Insurance Rates by Commute
| Companies | Average Annual Rates for 10 Miles Commute 6000 Annual Mileage | Average Annual Rates for 25 Miles Commute 12000 Annual Mileage | Average Annual Auto Insurance Rates |
|---|---|---|---|
| Geico | $2,057.38 | $2,183.90 | $2,120.64 |
| USAA | $2,797.76 | $2,853.58 | $2,825.67 |
| Nationwide | $3,198.87 | $3,198.87 | $3,198.87 |
| Progressive | $3,233.49 | $3,233.49 | $3,233.49 |
| State Farm | $3,658.32 | $3,927.01 | $3,792.67 |
| Travelers | $3,902.48 | $3,902.48 | $3,902.48 |
| Allstate | $4,010.84 | $4,121.92 | $4,066.38 |
| Liberty Mutual | $4,873.36 | $5,152.23 | $5,012.80 |
As you can see, your average commute distance can affect your insurance rates.
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 that will influence your price is whether you designate your vehicle as “for business” use. Business vehicles are typically charged 10-12 percent 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 each month if you agree to raise your deductible.
Not sure how much auto insurance coverage you should carry? Check out this video for some great advice.
However, be sure to save a little money in case of an emergency if you choose to go this route.
Education in Syracuse, NY
Twenty-nine percent of residents in Syracuse have their high school diploma or a similar equivalent. Meanwhile, 24 percent have yet to complete all four years of high school.
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 bachelor’s and graduate degrees from 13 other 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 financial risk can be very challenging or inconceivable for the typical insurance shopper. Insurance providers have got an advantage over shoppers due to their research and experience. Discover the things insurance providers don’t want anyone to learn.
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Other Syracuse, NY Facts
Syracuse is nicknamed the “Crossroads of New York State” 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 an extensive series of urban renewal projects that began in the 1960s.
Syracuse is ranked 11th on the list of “Top 100 cities with old houses but young residents. With this burgeoning population, it’s important to know the rules of the road.
Let’s briefly examine some other facts about Syracuse, NY.
Syracuse, NY Safety Requirements
New York state law requires all front-seat passengers to wear a seat belt. People who are 16 and under are also required to wear a seat belt. Children that four years old and younger should ride in child-safety seats. Syracuse, NY, complies with the height and weight rule also. Children at least four feet, nine inches tall and weigh more than 100 pounds should wear a seat belt.
Syracuse, NY Impaired Driving Laws
The legal blood alcohol level is .08 for the average Syracuse motorist. However, the blood alcohol limit is .04 for commercial drivers.
A blood alcohol level of .18 will result in a DUI charge. Punishment for DUI or DWI in Syracuse, NY, is a $500-$1,000 fine, your license will be revoked for a year, and possible jail time. First offenders under 21 will be fined and will have their driver’s license revoked for six months.
Syracuse, NY Unique Laws
Syracuse, NY passed a law in 2014 that allows ex-convicts to apply for jobs in the city and contractors the city of Syracuse hires.
Residents in Syracuse, NY, need a license to hang their laundry on clotheslines. Also, Syracuse residents aren’t allowed to have puppet shows in their windows or carry ice cream in their pockets on Sunday.
The most recent and bizarre law is Syracuse residents who frequent the zoo are not allowed to take selfies with tigers because it could cause mauling.
How We Conducted Our Auto Insurance Analysis
So, what’s the best and cheapest car insurance? That all depends on your specific needs and wants.
We calculated our average auto insurance rates 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 rates were also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Now that you know more about cheap Syracuse, NY auto insurance, enter your ZIP code in our auto insurance comparison tool below to find Syracuse, NY auto insurance quotes near you. Which Syracuse, NY auto insurance company is for you? Find out now.