Cheapest Auto Insurance in Syracuse, New York (2026)
Erie has the cheapest liability insurance in Syracuse, with rates starting at $49 per month.
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Written byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Updated
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The average cost of liability car insurance in Syracuse is $98 per month. This is cheaper than New York state’s average rate of $153 and similar to the national average of $98 per month.
Drivers in Syracuse likely benefit from cheaper coverage than the New York state average due to lower rates of vehicle theft and property damage crimes than the much busier New York City metropolitan area.[1]
Here’s what you need to know to find cheap car insurance in Syracuse, including how to compare quotes and coverage options.
Quick Facts
Erie, USAA, and Travelers have the cheapest liability insurance in Syracuse.
On average, full-coverage insurance costs $199 per month in Syracuse, $252 in New York state, and $187 in the U.S.
New York is a no-fault state, which means each driver needs to file their own insurance claim following a car accident.
3 of the cheapest car insurance companies in Syracuse
Before you choose a car insurance company or policy, you should consider your budget, circumstances, and specific needs. Every insurer will have different rates, so it’s important to compare options from a number of companies.
The three car insurance companies in the table below offer some of the cheapest rates and good coverage in Syracuse. These insurers are a good place to start your search to find the best deal in your area. The quotes below reflect statewide average costs in New York.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| CSAA | 8.5 | $224 | $89 | Cheap rates |
| Safeco | 8.1 | $136 | $84 | Classic cars |
| Liberty Mutual | 8.4 | $207 | $130 | Discounts |
Disclaimer: Table data sourced from real-time Syracuse car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Syracuse may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: CSAA
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $165/mo |
4.5
Best choiceBased on 2,351 verified driver reviews and ratings
CSAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviews
Verified Review
Reviewed in Michigan on May 3, 2026
Great rates, friendly customer service.
Verified Review
Reviewed in Missouri on April 5, 2026
Check rates first, then choose.
Verified Review
Reviewed in Michigan on March 21, 2026
Contact and conversation prior to completing the deal are great. I personally feel insulted by the lack of cooperation after requesting a complete outline and explanation for my completely overcharged policy. I know for a fact that my driving and claims history is exceptional as I am a former state trooper and US Air Marshal. I am currently paying more with one vehicle insured than I previously paid for two. I have yet to receive the phone call as requested to explain the high rates given my professional background and history. To say I am frustrated with MEEMIC (AAA) is grossly understated.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Drivers looking for the cheapest possible rates should consider CSAA. It offers some of the cheapest car insurance rates in Syracuse. But, as CSAA is an AAA-affiliated insurance company, you’ll need a AAA membership.
Pros
High customer satisfaction levels
Generous roadside assistance program
Cons
Need to pay for an AAA membership
Not available in every state
Best insurer for classic cars: Safeco
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $136/mo |
4.3
Best choiceBased on 1,059 verified driver reviews and ratings
Safeco's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 4.1 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 3 New York reviews for Syracuse driversSee all 539 Safeco reviews
Verified Review
Reviewed in New York on February 21, 2026
Safeco is a good company, but the insurance rates keep going up.
Verified Review
Reviewed in New York on January 13, 2026
A more reasonable rate would be nice. I have not had any accidents, tickets, or DUIs in over 10 years, but I’m paying over $1300 per year.
Verified Review
Reviewed in New York on December 13, 2025
If you go to an underwriter, you'll pay double.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Safeco, owned by Liberty Mutual, is the best car insurance company in Syracuse for classic cars. The company provides excellent classic car insurance that includes agreed-value coverage, roadside assistance, and limited-use coverage.
Pros
Numerous options for car insurance customization
Claims-free customers get cash back
Cons
Limited discounts
A higher-than-average number of complaints on the National Association of Insurance Commissioners (NAIC) consumer complaint index
Best insurer for discounts: Liberty Mutual
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $130/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $207/mo |
3.4
A solid optionBased on 3,978 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 20 New York reviews for Syracuse driversSee all 1,935 Liberty Mutual reviews
Verified Review
Reviewed in New York on April 13, 2026
No problems with insurance, but I'm disappointed that I drive less than 9,000 miles a year on my car, less than 1,000 a year on the 1995 pickup, and have had yet another increase in my monthly premium. No tickets, no claims, I don't live in the city, so there's no increase in the possibility of theft, accident, etc., and still an increase.
Verified Review
Reviewed in New York on April 4, 2026
I had to remove a driver from my policy. Despite having no accidents, tickets, or claims, they raised my rate by 250% because they could. I'm shopping for new insurance now.
Verified Review
Reviewed in New York on March 8, 2026
Very good service.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Liberty Mutual is the best insurance company in Syracuse for discounts. Home to Syracuse University, Syracuse is home to roughly 25,000 students during the school year.
Student drivers often need ways to save money on auto insurance coverage, which makes Liberty Mutual a good option. It offers a wide variety of discounts, including paperless, claims-free, and good student discounts.
Pros
Accident forgiveness available
Affordable rates
Cons
Many customer complaints, according to the NAIC
Below-average rating in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
How to get the cheapest car insurance in Syracuse
Finding cheap car insurance in Syracuse is easier than you might think. But it’s important to understand the factors insurance companies have when setting your rates, such as your driving record, location, and even your credit history.
Here are some good ways to secure the right auto insurance policy:
Keep a clean driving record. Drivers with clean records pay the lowest car insurance rates, on average.
Bundle home and auto insurance. Most insurance companies offer discounts for policyholders who buy two or more insurance products.
Increase your deductible. Having a higher deductible allows you to pay lower monthly premiums.
Apply for discounts. Always ask about available discounts when buying a new policy.
Compare car insurance quotes. Shopping around for coverage from multiple companies is the best way to find cheap rates.
If you’re still having trouble finding affordable auto policies, consider contacting an independent insurance agent and asking them any questions you might have.
Find Cheap Car Insurance in Syracuse
Liability rates start at $49 per month
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Cheapest liability-only car insurance in Syracuse: Erie
Liability-only car insurance covers bodily injury and property damage to other drivers’ passengers and vehicles in the event of a car accident. While you can’t use it to pay for your own damages and injuries, it can reduce the amount you have to pay out of pocket in a claim.
Drivers in New York must carry liability car insurance. A liability-only policy in Syracuse costs an average of $98 per month. The table below highlights some companies offering the cheapest liability policies in Syracuse.
The below rates in Syracuse, NY, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $49 |
| USAA | $51 |
| Travelers | $60 |
| State Farm | $70 |
| Allstate | $74 |
| Nationwide | $75 |
| GEICO | $77 |
| Chubb | $137 |
| Progressive | $145 |
| Bristol West | $197 |
Disclaimer: Table data sourced from real-time Syracuse car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Syracuse may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Syracuse: Erie
Full-coverage car insurance covers everything that liability insurance covers in addition to comprehensive and collision insurance. Comprehensive coverage protects against non-collision events, such as vandalism, storm damage, and stolen vehicles. Collision coverage pays for repairs to your vehicle if it needs repairs or replacement after a crash.
Drivers in New York don’t need to carry full coverage, but most insurance experts recommend it, given how expensive vehicle damages can be. A full-coverage policy in Syracuse costs $199 per month, on average.
Here are some of the cheapest companies selling full-coverage policies in Syracuse.
The below rates in Syracuse, NY, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $90 |
| USAA | $94 |
| Travelers | $110 |
| State Farm | $128 |
| Allstate | $135 |
| Nationwide | $137 |
| GEICO | $142 |
| CSAA | $165 |
| Chubb | $250 |
| Progressive | $278 |
| Bristol West | $330 |
Disclaimer: Table data sourced from real-time Syracuse car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Syracuse may vary based on the policy buyer's unique driver profile.
Car insurance requirements in New York
Drivers in New York must have liability car insurance and be able to show proof of it to maintain an active registration. New York is a no-fault state for car insurance, meaning insurance companies will cover drivers regardless of who caused an accident.
Here are the minimum-coverage requirements for drivers in the state of New York.[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person ($50,000 for death of one person) / $50,000 per accident ($100,000 for death of two or more people) |
| Property damage liability | $10,000 per accident |
| Personal injury protection | $50,000 per accident |
| Uninsured motorist coverage | Equal to amounts of liability coverage |
In addition to the mandatory coverages, drivers should consider adding additional protection. Some other insurance coverages drivers should consider carrying include:
Collision coverage
Collision insurance covers damage to your vehicle after a collision with another vehicle or object.
Comprehensive coverage
Comprehensive insurance pays for damages from non-collision events, such as vandalism, theft, and severe weather.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for repairs and medical bills if you get into an accident with a driver who doesn’t have enough or any insurance.
Roadside assistance coverage
Roadside assistance coverage pays for towing your vehicle to a garage if it breaks down.
Cheapest car insurance for drivers with an incident
An incident is any event that results in a driver needing to file a claim. The most common incidents include speeding tickets, at-fault accidents, DUIs, and other moving violations. Incidents almost always increase car insurance rates because they indicate to insurance companies that you’re more risky to insure than a driver without any incidents.[3]
On average, Syracuse drivers with a past incident pay $123 per month for liability coverage and $199 for full-coverage insurance.
The below rates in Syracuse, NY, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| Erie | $49 | $64 | $68 | $77 |
| USAA | $51 | $65 | $71 | $81 |
| Travelers | $60 | $77 | $84 | $95 |
| State Farm | $70 | $88 | $97 | $111 |
| Allstate | $74 | $95 | $103 | $117 |
| Nationwide | $75 | $96 | $105 | $118 |
| GEICO | $77 | $99 | $106 | $121 |
| Chubb | $137 | $172 | $190 | $216 |
| Progressive | $145 | $176 | $207 | $249 |
| Bristol West | $197 | $245 | $271 | $311 |
Disclaimer: Table data sourced from real-time Syracuse car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Syracuse may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age affects your car insurance rates quite a bit. Young drivers and teens typically have the highest car insurance rates because they have little to no experience driving, making them more likely to get into an accident. Once drivers hit 35, they tend to see rates decrease as they have more experience behind the wheel.
But by age 70, senior drivers often see rates increase again due to insurers’ concerns about age-related risks. The table below shows how rates vary by age in Syracuse.
Age | Average Monthly Quote |
|---|---|
| Teens | $199 |
| 20s | $180 |
| 30s | $162 |
| 40s | $158 |
| 50s | $144 |
| 60s | $128 |
| 70s | $120 |
Disclaimer: Table data is based on real-time Syracuse quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Syracuse car insurance quotes by credit tier
New York allows car insurance companies to consider your credit-based insurance score when setting your rate. Drivers with excellent credit pay the cheapest car insurance rates, while drivers with poor credit typically pay the highest rates, all else being equal.
The table below shows how much credit scores can increase if you have poor credit.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $128 |
| Good | $146 |
| Fair | $160 |
| Poor | $232 |
Syracuse car insurance FAQs
Before you start shopping around for car insurance, you should determine how much auto coverage you need. The following information can help answer your remaining questions about car insurance in Syracuse.
How much is car insurance in Syracuse?
The average cost of car insurance in Syracuse is $98 per month for liability coverage and $199 for full-coverage insurance. How much you pay for car insurance ultimately depends on your driving record, age, credit history, and more.
Which company has the cheapest car insurance in Syracuse?
With a liability insurance rate of $49 per month, Erie is the cheapest car insurance company in Syracuse.
USAA and Travelers also have affordable liability coverage, with respective rates of $51 and $60 per month. The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Syracuse?
With an Insurify Quality (IQ) Score of 8.5 out of 5 and an AM Best financial strength rating of A (Excellent), CSAA is one of the best car insurance companies in Syracuse. On average, drivers in the state of New York with coverage from CSAA pay $89 per month for liability coverage and $224 for full-coverage insurance.
Other top insurance companies in Syracuse include Safeco and Liberty Mutual.
Sources
- Federal Bureau of Investigation. "NEW YORK Offenses Known to Law Enforcement."
- New York State Department of Financial Services. "Shopping for Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in