Cheapest and Best Car Insurance in Syracuse, NY (2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.