Cheapest Auto Insurance in Syracuse, New York (2024)

CSAA has the cheapest liability insurance in Syracuse, with rates starting at $114 per month.

Danny Smith
Written byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated July 14, 2024

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Cheapest recent rates near Syracuse, New York

Drivers using Insurify have found quotes as cheap as $126/mo for liability only and $181/mo for full coverage in Syracuse and other New York cities.

*Quotes generated for Insurify users in and around Syracuse, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Syracuse, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of liability car insurance in Syracuse is $111 per month. This is cheaper than New York state’s average rate of $155 and similar to the national average of $105 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
  • CSAA, Safeco, and Liberty Mutual have the cheapest liability insurance in Syracuse.

  • On average, full-coverage insurance costs $156 per month in Syracuse, $185 in New York state, and $214 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 CompanyIQ 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 CoverageLiability OnlyBest For
CSAA7.6$189$126Cheap rates
Safeco8.3$135$76Classic cars
Liberty Mutual7.7$231$112Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.5
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.
7.6/10
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.
$126/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.
$189/mo

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

Read more driver reviews of CSAA
Judy - July 11, 2024
Verified

They should not base their rates on your car's mileage, but rather on your experience as a driver. It doesn't seem fair for the amount I pay. It seems like AAA has forgotten that experience counts and they charge you for accidents you didn't commit. Thank you.

They should not base their rates on your car's mileage, but rather on your experience as a driver. It doesn't seem fair for the amount I pay. It seems like AAA has forgotten that experience counts and they charge you for accidents you didn't commit. Thank you.

Evelyn - July 10, 2024
Verified

AAA Consistently Raises Premiums

Every year, we have experienced substantial increases.

Taylor - July 9, 2024
Verified

Average

Good, except for the fact that my prices are going up when they're supposed to go down.

Best insurer for classic cars: Safeco

Compare personalized, real-time quotes
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.
8.3/10
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.
$162/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.
$181/mo

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

Read more driver reviews of Safeco
Virginia - July 13, 2024
Verified

Expensive

I feel like it's just getting too expensive.

James - July 13, 2024
Verified

Insure ME

It's easy to apply and interact with Safeco. The overall coverage and price make it one of the best companies I have dealt with.

Lance - July 8, 2024
Verified

Excellent

I'm satisfied with their service, I'm just looking for a better price.

Best insurer for discounts: Liberty Mutual

Compare personalized, real-time quotes
User Reviews
2.9
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.
7.7/10
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.
$190/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.
$276/mo

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

Read more driver reviews of Liberty Mutual
Wanda - July 13, 2024
Verified

Wanda

Excellent company.

Melinda - July 13, 2024
Verified

Stay Away from Liberty Mutual

Liberty Mutual starts out with reasonable rates, but then the rates double.

John - July 13, 2024
Verified

Fair

They raised my premium to a point where I could not afford it.

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:

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 $114 per month

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Cheapest liability-only car insurance in Syracuse: CSAA

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 $111 per month. The table below highlights some companies offering the cheapest liability policies in Syracuse.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Syracuse: Safeco

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 $156 per month, on average.

Here are some of the cheapest companies selling full-coverage policies in Syracuse.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Syracuse, New York

Drivers using Insurify have found quotes as cheap as $126/mo for liability only and $181/mo for full coverage in Syracuse and other New York cities.

*Quotes generated for Insurify users in and around Syracuse, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Syracuse, New York within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes 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]

CoverageMinimum 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 coverageEqual 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:

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Collision coverage

    Collision insurance covers damage to your vehicle after a collision with another vehicle or object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for damages from non-collision events, such as vandalism, theft, and severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $156 for full-coverage insurance.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

AgeAverage Monthly Quote
Teens$199
20s$180
30s$162
40s$158
50s$144
60s$128
70s$120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $111 per month for liability coverage and $156 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 $114 per month, CSAA is the cheapest car insurance company in Syracuse.

    Safeco and Liberty Mutual also have affordable liability coverage, with respective rates of $142 and $164 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 7.6 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 $126 per month for liability coverage and $189 for full-coverage insurance.

    Other top insurance companies in Syracuse include Safeco and Liberty Mutual.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Federal Bureau of Investigation. "NEW YORK Offenses Known to Law Enforcement."
  2. New York State Department of Financial Services. "Shopping for Auto Insurance."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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