The average full coverage car insurance cost in Syracuse is $136 per month. Rates range from $140 to $3,172, depending on the policy, vehicle type and driver's details. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Syracuse, NY, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Syracuse: Key Takeaways
Kemper and Progressive are the most affordable car insurance providers in Syracuse.
Kemper offers the cheapest car insurance, with monthly costs of $30 for minimum coverage and $54 for full coverage.
On average, car insurance costs $74 per month for minimum coverage and $136 for full coverage.
Car Insurance Quotes in Syracuse, NY
| Young Drivers | $87 | $161 |
| Teens | No Data | $272 |
| Seniors | $79 | $140 |
| Drivers With an Accident | $80 | $147 |
| Drivers With a Speeding Ticket | $82 | $152 |
| Drivers With a DUI | $108 | $204 |
| Bad Credit | $1,799 | $3,172 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Syracuse vs. State Average
New York
State Average Full Coverage Rate
$2,154
Syracuse, NY
City Average Full Coverage Rate
$1,627Syracuse Car Insurance is Cheap:$527 saved
This is 24% less expensive.
What Is the Average Car Insurance Rate in Syracuse?
Syracuse's average full coverage car insurance cost is $1,627 per year, and minimum coverage is $892. These rates are lower than the state averages of $2,154 and $1,199, respectively.
| State Average | $1,199 | $2,154 |
| Syracuse Average | $892 | $1,627 |
Cheapest Car Insurance Companies in Syracuse
While premiums rise across New York, Syracuse residents can still find affordable car insurance. Kemper offers the cheapest minimum coverage at $30 per month and full coverage at $54.
WHY CAR INSURANCE IN SYRACUSE IS CHEAPER
Car insurance in Syracuse is typically cheaper due to its smaller population, lighter traffic and lower accident rates than larger cities. Moderate crime rates, including fewer vehicle thefts, reduce insurer risk. The city’s lower cost of living and repair expenses also help keep premiums affordable.
Cheap Car Insurance in Syracuse
Kemper and Progressive often offer affordable car insurance in Syracuse, but rates vary by driver. To find the cheapest premiums, get quotes from different providers. The table below highlights the lowest rates for different driver profiles.
| Kemper | Minimum Coverage | $30 |
| Kemper | Full Coverage | $54 |
| Progressive | Teens | $184 |
| Kemper | Young Adults | $52 |
| Kemper | Seniors | $42 |
| Kemper | Bad Credit | $94 |
| Progressive | Drivers With a DUI | $52 |
| Progressive | Drivers With an Accident | $49 |
| Kemper | Drivers With a Speeding Ticket | $50 |
Car Insurance Rates in Syracuse by Company
To find the cheapest car insurance, compare rates from different companies. Below, we detail Syracuse's most affordable minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Syracuse
Kemper offers the cheapest minimum coverage auto insurance in Syracuse at $30 per month, followed by Progressive at $37. The table below breaks down the affordable options.
| Kemper | $30 | $44 |
| Progressive | $37 | $37 |
| American Family | $45 | $29 |
| Erie | $49 | $26 |
| GEICO | $55 | $19 |
| State Farm | $73 | $1 |
| Chubb | $74 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Syracuse
Kemper offers the cheapest full coverage car insurance in Syracuse at $54 per month. Below is a list of other providers and their rates for comparison.
| Kemper | $54 | $82 |
| Progressive | $61 | $74 |
| American Family | $84 | $52 |
| Erie | $89 | $47 |
| GEICO | $117 | $19 |
| Allstate | $125 | $11 |
| State Farm | $131 | $5 |
Car Insurance Companies in Syracuse
Kemper offers the cheapest car insurance in Syracuse at $503 annually. Chubb is the best affordable provider, with a MoneyGeek score of 89 out of 100. Check the table below for more options.
| Chubb | 89 | $1,355 |
| Erie | 83 | $824 |
| American Family | 80 | $772 |
| State Farm | 68 | $1,224 |
| Mercury | 67 | $1,868 |
| Progressive | 62 | $593 |
| GEICO | 60 | $1,033 |
| Hanover | 57 | $2,962 |
| Travelers | 57 | $1,505 |
| Allstate | 56 | $1,216 |
| Kemper | 55 | $503 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Syracuse by Age
Drivers in their early 20s pay Syracuse's lowest car insurance rates, averaging $1,249 per year for 22-year-olds and $1,219 for 24-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,292 | $-22 |
| 17 | $2,250 | $20 |
| 18 | $1,913 | $356 |
| 19 | $1,678 | $591 |
| 20 | $1,695 | $574 |
| 21 | $1,383 | $886 |
| 22 | $1,249 | $1,020 |
| 23 | $1,284 | $985 |
| 24 | $1,219 | $1,050 |
| 25 | $1,933 | $379 |
| 40 | $1,627 | $684 |
| 65 | $1,683 | $628 |
Cheapest Car Insurance for Teens in Syracuse
Kemper offers the cheapest overall car insurance for teens in Syracuse at $67 per month, saving $102 compared to the state average. The table below breaks down more affordable providers for this age group.
| Kemper | $67 | $102 | $185 |
| GEICO | $115 | $55 | $323 |
| Progressive | $123 | $46 | $184 |
| Allstate | $166 | $3 | $310 |
| State Farm | $256 | $-87 | $257 |
| Travelers | $289 | $-120 | $374 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Syracuse
Kemper offers the lowest monthly rates for young drivers in Syracuse: $35 for minimum coverage and $70 for full coverage. The table below compares low-cost options across different driver profiles.
| Kemper | Minimum Coverage | $35 |
| Kemper | Full Coverage | $70 |
| Kemper | Bad Credit | $118 |
| Progressive | Drivers With a DUI | $59 |
| Progressive | Drivers With an Accident | $56 |
| Progressive | Drivers With a Speeding Ticket | $58 |
Cheapest Car Insurance Companies for Young Drivers in Syracuse
Kemper offers the most affordable auto insurance for young drivers in Syracuse at $52 per month. Progressive and American Family also provide competitive rates. The table below shows other companies with cheap rates.
| Kemper | $52 | $72 |
| Progressive | $56 | $67 |
| American Family | $82 | $42 |
| Erie | $87 | $37 |
| GEICO | $93 | $31 |
| Allstate | $104 | $20 |
| State Farm | $116 | $8 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Syracuse
Kemper and Progressive are the most affordable car insurance providers for seniors in Syracuse. Rates vary based on factors like driving history and coverage needs. The table below shows the cheapest providers for different driver and coverage profiles.
| Kemper | Minimum Coverage | $32 |
| Kemper | Full Coverage | $53 |
| Kemper | Bad Credit | $90 |
| Progressive | Drivers With a DUI | $53 |
| Progressive | Drivers With an Accident | $50 |
| Kemper | Drivers With a Speeding Ticket | $49 |
Cheapest Car Insurance for Seniors in Syracuse
Kemper offers the cheapest monthly premium for seniors, $42, for minimum and full coverage policies. Progressive follows at $50. The table below shows the top car insurance providers for seniors in Syracuse.
| Kemper | $42 | $67 |
| Progressive | $50 | $60 |
| Erie | $66 | $44 |
| American Family | $70 | $39 |
| GEICO | $91 | $19 |
| State Farm | $91 | $18 |
| Chubb | $96 | $13 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Syracuse
Syracuse's high-risk drivers generally find lower car insurance rates than the state averages, with minimum coverage at $1,083 and full coverage at $2,014 annually. Those with bad credit or DUIs face the steepest costs, while accidents and speeding tickets have less effect on rates.
| Syracuse Average | $1,083 | $2,014 |
| State Average | $1,481 | $2,689 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
In Syracuse, insurers typically consider minor driving incidents, like speeding tickets, for about three years. Serious offenses, such as DUIs, can impact your rates for up to five years.
Cheapest Auto Insurance Rates With a DUI in Syracuse
Kemper offers the cheapest minimum coverage for drivers with a DUI in Syracuse at $461 annually. Progressive provides the most affordable full coverage at $772. Check the table below for more low-cost coverage options.
| Kemper | $38 | $76 |
| Progressive | $39 | $64 |
| American Family | $53 | $103 |
| State Farm | $81 | $144 |
| Erie | $82 | $150 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Syracuse
Progressive, Kemper and Erie offer the cheapest auto insurance after an at-fault accident in Syracuse. Progressive's monthly minimum coverage rate starts at $37. The table below shows various providers offering affordable coverage.
| Progressive | $37 | $61 |
| Kemper | $39 | $75 |
| Erie | $49 | $89 |
| American Family | $56 | $108 |
| GEICO | $64 | $135 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Syracuse
Kemper is the cheapest car insurance provider for drivers with speeding tickets in Syracuse, charging around $34 monthly for minimum coverage. Progressive is the most affordable for full coverage at $63. Check the table below to see how much other providers charge drivers with speeding tickets.
| Kemper | $34 | $67 |
| Progressive | $39 | $63 |
| American Family | $46 | $87 |
| Erie | $59 | $111 |
| GEICO | $64 | $135 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Syracuse
Kemper offers the most affordable rates for drivers with bad credit in Syracuse: $57 for minimum coverage and $130 for full coverage. See the table below for other affordable options.
| Kemper | $57 | $130 |
| GEICO | $86 | $182 |
| Chubb | $88 | $184 |
| Erie | $124 | $219 |
| Allstate | $132 | $217 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Syracuse, NY
New York mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $50,000 personal injury protection (PIP) per person
- $50,000 in death liability per person
- $100,000 in death liability per accident
For instance, if you're in an accident, minimum coverage helps pay for injuries and damages up to the policy limits, ensuring you meet the state's legal requirements and have some financial protection.
Cheap Car Insurance in Syracuse: Bottom Line
Kemper offers the cheapest car insurance in Syracuse for minimum and full coverage policies. Affordable options are available regardless of age or credit. Ensure your policy includes New York's required coverages: property damage, personal injury protection and uninsured motorist coverage. Compare providers to find budget-friendly coverage that meets state requirements.
Syracuse Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Syracuse.
What is the cheapest car insurance company in Syracuse, NY?
Kemper offers the cheapest auto insurance in Syracuse, New York, with a monthly rate of $30 for minimum coverage.
What is the best car insurance company in Syracuse, NY?
The best car insurance provider in Syracuse, New York, is Chubb, with a MoneyGeek score of 89 out of 100. Its minimum coverage averages $1,355 annually.
How much does car insurance cost on average in Syracuse, NY?
The average cost of minimum coverage auto insurance in Syracuse, New York, ranges from $74 to $1,799 per month.
Best Cheap Car Insurance in Syracuse: Our Methodology
MoneyGeek analyzed Syracuse auto insurance prices using data from the New York State Department of Financial Services and Quadrant Information Services.
Syracuse Driver Profile
To assess the best and most affordable auto insurance options for Syracuse residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Syracuse
In assessing the car insurance quotes for Syracuse, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to New York's minimum coverage requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $50,000 personal injury protection (PIP) per person
- $50,000 in death liability per person
- $100,000 in death liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Syracuse providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Syracuse
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Syracuse for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.