In Syracuse, New York, Kemper offers the cheapest full coverage and minimum coverage policies. It's also the most affordable option for families with teen drivers. Chubb stands out in customer service and is the top overall choice for balancing price and service. The best option for you depends on your coverage needs and preferences.
Cheapest and Best Car Insurance in Syracuse, NY (2024)
Updated: December 19, 2024
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Key Takeaways
In Syracuse, New York, Kemper offers the cheapest minimum coverage car insurance at $364 per year—yielding a potential saving of $1,185 compared to Hanover's priciest option at $1,549 annually—highlighting the significant financial benefits of comparing different providers.
In Syracuse, New York, drivers can save up to $2,152 annually on full coverage car insurance premiums by choosing Kemper, the cheapest provider, over Hanover, the most expensive, illustrating the significant savings potential from comparing rates.
In Syracuse, New York, Kemper offers the most affordable full coverage car insurance for military drivers at $643 per year, significantly cheaper than Progressive at $738, while USAA provides specialized services for military members despite being more expensive at $1,008 annually.
Why Trust MoneyGeek? We analyzed 53,640 quotes from 12 companies in New York, including the city of Syracuse. We used six sources and original research to rate the cheapest companies and develop a scoring system for Syracuse insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Syracuse, NY, as of August 2024.
53,640Quotes Analyzed
12Companies Compared
Cheapest Minimum Coverage Car Insurance in Syracuse
Kemper offers the cheapest minimum coverage car insurance in Syracuse.
- Kemper: $364 per year
- Progressive: $450 per year
Hanover has the most expensive car insurance, at $1,549 per year, which is $1,185 more than the cheapest option. Comparing rates is crucial to finding the best deal.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Minimum Coverage
| Kemper | $364 | $30 |
| Progressive | $450 | $38 |
| American Family | $489 | $41 |
| Erie | $533 | $44 |
| GEICO | $653 | $54 |
| State Farm | $698 | $58 |
| Chubb | $888 | $74 |
| Allstate | $933 | $78 |
| Mercury | $1,006 | $84 |
| Travelers | $1,156 | $96 |
| Hanover | $1,549 | $129 |
State Minimum Liability Requirements
New York law requires all drivers to have car insurance. The minimum coverage includes:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 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 per person
- $50,000 death liability per person
- $100,000 death liability per accident
If you cause an accident and only have minimum coverage, your insurance will pay up to $25,000 for one person’s injuries and up to $50,000 for everyone hurt in the accident. If the injuries cost more, you’ll have to pay the difference.
Cheapest Full Coverage Car Insurance in Syracuse
Kemper offers the cheapest full coverage car insurance in Syracuse.
- Kemper: $643 per year
- Progressive: $738 per year
Hanover offers the most expensive full coverage policy, with an annual rate that's $2,152 higher than Kemper's. This significant price difference highlights the need to compare quotes for affordability, especially since full coverage policies include comprehensive and collision insurance, which increase costs compared to minimum coverage.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Kemper | $643 | $54 |
| Progressive | $738 | $61 |
| American Family | $879 | $73 |
| Erie | $983 | $82 |
| State Farm | $1,254 | $105 |
| GEICO | $1,373 | $114 |
| Allstate | $1,500 | $125 |
| Chubb | $1,823 | $152 |
| Travelers | $1,854 | $154 |
| Mercury | $1,991 | $166 |
| Hanover | $2,795 | $233 |
Why You Need Full Coverage in New York
A full coverage policy enhances protection with higher liability limits than minimum coverage: $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident.
Full coverage also includes these insurance types:
- Collision insurance covers vehicle repair costs after collisions, whether with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.
- Comprehensive insurance provides financial protection from theft, weather damage, vandalism, fires, natural disasters and hitting animals like deer.
Full coverage insurance is typically required if you lease or finance a car. For new vehicles, full coverage provides financial protection for your investment. However, the additional protection may not justify the higher cost for older vehicles. Finding the right amount of car insurance involves balancing coverage against premiums to prepare for unexpected expenses.
Cheapest Car Insurance in Syracuse After a Driving Offense
Progressive is the cheapest company for drivers with a poor driving record in Syracuse. Here are the lowest rates for various driving offenses:
- At-fault accident: $738 per year
- Speeding ticket: $760 per year
- DUI: $773 per year
Chubb has the highest rates for all three incidents. The difference between Progressive's annual premiums after a speeding ticket ($760) and a DUI ($773) shows how the severity of a driving offense impacts insurance costs.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
| Progressive | $760 | $63 |
| Kemper | $801 | $67 |
| American Family | $911 | $76 |
| Erie | $1,232 | $103 |
| State Farm | $1,379 | $115 |
| GEICO | $1,588 | $132 |
| Allstate | $1,816 | $151 |
| Chubb | $2,043 | $170 |
| Travelers | $2,079 | $173 |
| Mercury | $2,442 | $203 |
| Hanover | $2,795 | $233 |
Insurance rates usually go up after a traffic violation because it shows you’re more likely to get into an accident. In Syracuse, drivers with a speeding ticket might pay $15,327 per year, while those with a DUI could pay $19,558. If you have a bad driving record, compare insurance rates to find the best deal.
Cheapest Car Insurance in Syracuse for Teens and Their Families
Kemper offers the cheapest car insurance for teens in Syracuse. Consider these most affordable rates for a policy covering two parents and a teen driver:
- Kemper: $862 per year for female teens and $891 per year for male teens
- GEICO: $1,314 per year for female teens
- Progressive: $1,623 per year for male teens
Travelers has the most expensive car insurance for families with teen drivers. It costs $4,568 per year for male teens, $3,677 more than Kemper. Compare rates to find the best deal for teen drivers, who are at higher risk of getting into accidents.
Data filtered by:Results filtered by:
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Age:16
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Gender:Female
| Kemper | $862 | $2,738 |
| GEICO | $1,314 | $3,854 |
| Progressive | $1,459 | $2,385 |
| Allstate | $2,118 | $5,541 |
| State Farm | $3,085 | $3,086 |
| Travelers | $3,767 | $5,598 |
Teens in Syracuse can save a lot of money on car insurance by being on their parents’ plan. Individual policies for teens are much more expensive and harder to get, as they're more likely to get into accidents. For more affordable coverage, parents and guardians should consider a family plan.
Cheapest Car Insurance in Syracuse for Military Drivers
Kemper offers the cheapest car insurance for veterans or active-duty military personnel in Syracuse.
- Kemper: $643 per year
- Progressive: $738 per year
While USAA isn't the cheapest, with a yearly premium of $1,008, it stands out for its specialized services tailored to the unique needs of active-duty military members.
Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
| Kemper | $643 | $54 |
| Progressive | $738 | $61 |
| American Family | $879 | $73 |
| Erie | $983 | $82 |
| USAA | $1,008 | $84 |
| State Farm | $1,254 | $105 |
| GEICO | $1,373 | $114 |
| Allstate | $1,500 | $125 |
| Chubb | $1,823 | $152 |
| Travelers | $1,854 | $154 |
| Mercury | $1,991 | $166 |
| Hanover | $2,795 | $233 |
How to Compare Cheap Syracuse Car Insurance Quotes Online
In Syracuse, comparing rates helps you save on car insurance. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. MoneyGeek's car insurance calculator can help make the process much easier. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
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Rates updated:
Dec 25, 2024
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Best Car Insurance in Syracuse: Summary
Choosing the best auto insurance means weighing how much you value service, cost, coverage and other factors. Here are the top insurers in Syracuse based on MoneyGeek's analysis:
- Best overall: Chubb (MoneyGeek score of 85 out of 100)
- Best for service: Chubb (MoneyGeek of score 91 out of 100)
- Best cheap: Erie (MoneyGeek of score 84 out of 100)
Chubb is the best car insurance provider in Syracuse for overall value and service, offering a balance of quality support and affordability. For those focused on budget without sacrificing much in service, Erie is the top choice for affordability.
Best Overall Car Insurance in Syracuse
Chubb is the best car insurance option in Syracuse for drivers seeking quality service and cost effectiveness in their coverage.
- Chubb: MoneyGeek score of 85 out of 100 ($1,823 per year)
- Erie: MoneyGeek score of 83 out of 100 ($983 per year)
Chubb leads with the highest MoneyGeek score, driven by superior customer satisfaction and claim handling. This top rating reflects the value and reliable support Chubb offers through its full coverage policies.
Best OverallChubb
MoneyGeek Score:
85/ of 100
Overview
Chubb’s top MoneyGeek score comes from its excellent customer satisfaction and claims handling. It offers common coverages like rental car and/or travel reimbursement and roadside assistance. Chubb's OEM coverage ensures repairs use original parts, maintaining your car's value. Its agreed value coverage, which sets your car's value at the policy’s start, protects against depreciation in total loss situations.
Best Car Insurance in Syracuse for Customer Service
Chubb is the top choice in Syracuse for those who value excellent customer service in car insurance. It scores highest in customer satisfaction and claims handling, regardless of cost.
- Chubb: MoneyGeek score of 91 out of 100 ($1,823 per year)
- Erie: MoneyGeek score of 79 out of 100 ($983 per year)
Chubb's leading MoneyGeek score reflects its strong service and support performance, which ensures reliable assistance when needed, such as during claims.
Best for Customer ServiceChubb
MoneyGeek Score:
91/ of 100
Overview
Chubb has a high MoneyGeek score because of its good customer service and claims handling. It offers roadside assistance, rental car and/or travel reimbursement and antique/classic car insurance. Its OEM coverage ensures repairs use original parts.
Best Cheap Car Insurance Companies in Syracuse
Erie offers the best value for cheap car insurance in Syracuse, balancing cost, customer satisfaction and claims handling.
- Erie: MoneyGeek score of 84 out of 100 ($533 per year)
- Chubb: MoneyGeek score of 84 out of 100 ($888 per year)
Although Erie and Chubb have the same score, Erie’s lower annual premium makes it the top choice for drivers seeking affordable insurance without sacrificing quality.
Best Cheap CompanyErie
MoneyGeek Score:
84/ of 100
Overview
Erie is a top choice for affordable car insurance in Syracuse, excelling in claims and affordability. With an average annual premium of $533 for minimum coverage, Erie provides budget-friendly protection. It offers discounts for bundling policies, insuring multiple cars, safe driving and installing an anti-theft system. Its pay-in-full discount rewards policyholders who pay their annual premium upfront.
Average Cost of Car Insurance in Syracuse
Car insurance in Syracuse costs less than New York's average. Drivers in Syracuse pay an average of $1,371 per year, while the state average is $2,176. This is more expensive than the national average of $1,781.
Location matters for car insurance rates. Cities with higher traffic, theft or accident rates usually have higher premiums. For example, Rochester has the cheapest car insurance in New York at $1,288, while New York City is the most expensive at $3,013. This shows a significant difference even within a state. Less crowded areas might have even lower rates.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. 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 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.