7+ years writing insurance and personal finance content
Certified financial education instructor (CFEI)
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
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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The best car insurance companies in Syracuse, New York, will depend on your financial situation, insurance needs, and driver profile. The best insurers typically have several coverage options, affordable prices, and high customer ratings.
In Syracuse, the average monthly cost of insurance is $268 for liability coverage. Drivers in Syracuse have a number of top insurers to choose from, depending on what they need in an insurer.
Here’s what you need to know about car insurance in Syracuse, including the best available coverage options and how much you can expect to pay.
Quick Facts
Syracuse drivers pay $315 per month on average for full-coverage car insurance.
On average, drivers in New York pay $457 per month for auto coverage.
Auto insurers in New York can consider your credit history when calculating rates.
Best car insurance companies in Syracuse
Finding the best car insurance company for you ultimately depends on your vehicle situation and insurance needs. Whether you need insurance that works well for commuters, families, or high-risk drivers, here are some of the top auto insurers in Syracuse.
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Insurance Company
Best For
Average Monthly Quote: Full Coverage
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$189/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.
$266/mo
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
Very good service but too expensive
Dewey - February 2, 2023
Verified
I called with questions; the answers were complete and to the point.
Progressive offers several insurance options for Syracuse drivers, as well as its Name Your Price tool, which allows you to customize coverage based on your budget. Progressive earned an IQ Score of 4.0 out of 5, which demonstrates good financial standing and customer satisfaction.
Policyholders receive an average of seven discounts for driving safely, bundling insurance, receiving an online quote, and more, according to Progressive. On average, Progressive customers in Syracuse pay $221 per month for full-coverage insurance.
Pros
Wide selection of coverage options
More than a dozen available discounts
Offers gap insurance
Cons
Doesn’t offer a policy discount for installing vehicle safety equipment
You can find lower rates from some other insurers in Syracuse
Received a below-average ranking in J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study[1]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$107/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.
$154/mo
Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
Good company but still kind of expensive
Pennie - February 8, 2023
Verified
No issues with them, but I do wish it was less expensive.
While Safeco doesn’t offer the cheapest rates in Syracuse, the insurer does provide the best value, with average rates of $184 per month for full-coverage insurance and an IQ Score of 3.7.
Beyond typical coverage options, Safeco offers features like first accident forgiveness, a diminishing deductible, and claims-free cash back that returns 2.5% of your policy premium every six months that you don’t file a claim.
Pros
Several coverage options
Claims-free cash back
Offers accident forgiveness
Cons
Must contact a local agent to get coverage
Diminishing deductible only available with a coverage endorsement
Limited number of discounts
Most affordable car insurance in Syracuse: Travelers
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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++
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.
$280/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
With average full-coverage rates at just $123 per month, Travelers is the most affordable car insurance option in Syracuse. Travelers also earned an impressive IQ Score of 4.3 and offers benefits like accident forgiveness, rideshare coverage, and new-car replacement coverage.
Travelers policyholders in Syracuse can save on affordable premiums and benefit from a number of available discounts. For example, the insurer provides bundling, safe driver, and customer loyalty discounts.
Pros
Several discounts
You can get a quote online
Offers accident forgiveness
Cons
Rideshare coverage only offered in Illinois
Received a below-average ranking in J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study[1]
Earned 1.03 out of 5 stars from customer reviews on the Better Business Bureau (BBB) website
Best car insurance in Syracuse for commuters: Liberty Mutual
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$175/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.
$224/mo
In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Service has always been great
Jackie - January 30, 2023
Verified
I can’t figure how much I am paying.
Rickie - January 29, 2023
Verified
I got uninsured motorist added to meet the minimum state liability for less than what I was paying before, but now my rates have gone up even though I have an impeccable driving record and travel way under 10K miles annually.
Liberty Mutual offers customized auto insurance options, so you only pay for coverage you need. The company has an IQ Score of 3.8, and policyholders pay $272 per month for liability and $282 per month for full-coverage insurance on average. Drivers with quick and easy commutes have the chance to save money through Liberty Mutual.
The company’s RightTrack telematics program tracks driving behavior and rewards safe drivers. You receive a 10% discount when you enroll, but you can save up to 30%.
Pros
Customizable insurance plans
RightTrack driving program
More than a dozen available discounts
Cons
Additional deductible required for collision coverage
Relatively higher premiums
Above-average number of customer complaints on the National Association of Insurance Commissioners (NAIC) complaint index
Best car insurance in Syracuse for families: Midvale Home & Auto
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
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
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.
$156/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.
$197/mo
Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.
Pros
Backed by the financial strength of American Family
Optional gap insurance and roadside assistance available
Cons
Can’t get a quote online – must call an agent
Poor customer reviews with Better Business Bureau
An affiliate of American Family Insurance, Midvale Home & Auto has a 3.2 IQ Score. On average, policyholders pay $230 per month for liability and $271 for full-coverage insurance.
Customers can save with Midvale Home & Auto by bundling auto and homeowners insurance or by insuring multiple vehicles. New policyholders who switch to Midvale Home & Auto can also take advantage of the company’s Steer Into Savings discount.
Pros
Multi-vehicle discounts
Discounts for students
Roadside assistance services
Cons
Not accredited by the BBB
No accident forgiveness available
Limited additional coverage options
Best car insurance in Syracuse for high-risk drivers: Bristol West
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.2
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
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.
$309/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.
$357/mo
Florida-based Bristol West Insurance Company started selling car insurance in 1973. Farmers Insurance now owns the company, which provides private car insurance in 43 states. Bristol specializes in writing policies for difficult-to-insure drivers – for example, those who’ve had a DUI or a lapse in coverage. In addition to liability, collision and comprehensive, Bristol offers optional coverages like rideshare insurance, and rental car coverage. A.M. Best gives Bristol an A rating for financial strength and credit. However, the company has a higher-than average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Provides coverage for difficult-to-insure drivers
Offers rideshare coverage as an extension of your personal policy
Cons
Drivers with moving violations pay very high rates
Lower than average customer satisfaction
It’s a great company, but the renewal fee went up too much.
Jacqueline - January 6, 2023
Verified
Easy online policy access and purchasing
Terrell - November 20, 2022
Verified
They were dishonest in their promise to lower my payments after being with them for six months; they did not fulfill their offer to me.
Bristol West specializes in providing high-risk drivers with auto insurance coverage despite bad credit or serious driving violations on their records. The company has a low IQ Score of 2.2, but it provides the best option for high-risk drivers in the city.
On average, policyholders pay $339 per month for liability and $424 per month for full-coverage car insurance.
Pros
Coverage for high-risk drivers
You can track claims progress any time
Flexible payment options and low insurance down payments
Cons
Low IQ Score of 2.2
Higher rates than other Syracuse insurers
No advertised discounts
Find Car Insurance in Syracuse
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Liability-only vs. full-coverage insurance in Syracuse
Most states, including New York, require drivers to carry a minimum of liability auto insurance to cover the cost of vehicle damage and medical expenses drivers cause to others in an accident.
Purchasing only liability auto insurance may make sense if you have an older car that you can repair or replace with your own cash in the event of an accident. However, you may want to get a higher level of protection to cover damage to your vehicle and potential bodily injury.
More robust coverage options include full-coverage, collision, and comprehensive coverage. Full-coverage insurance includes liability, collision, and comprehensive coverage and provides protection for damages and injury to others, as well as to your vehicle.
Collision insurance helps pay for damage due to any type of collision up to the actual cash value of your vehicle. And comprehensive coverage gives you protection against damage from natural disasters, falling objects, fire, theft, and civil unrest.[2]
Travelers offers the cheapest full-coverage auto insurance in Syracuse, at just $123 per month.
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.
Syracuse car insurance rates by driving and accident history
As a result, auto insurers typically raise rates for drivers with a poor driving history. Travelers provides the cheapest average monthly quotes in Syracuse for drivers with an accident, DUI, or speeding ticket on their record.
Clean Record
At-Fault Accident
DUI
Speeding Ticket
Travelers
$123
$176
$244
$165
Safeco
$184
$262
$365
$246
Progressive
$221
$316
$439
$296
Midvale Home & Auto
$271
$388
$540
$363
Liberty Mutual
$282
$404
$562
$379
Bristol West
$424
$607
$845
$569
CSAA
$531
$759
$1,057
$711
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.
Syracuse car insurance quotes by credit tier
New York, like many other states, allows insurers to factor in your credit score when calculating car insurance rates.[4] Insurers in Syracuse can use your credit score to determine your likelihood of filing an insurance claim.
Having a higher credit score increases your chance of getting a lower car insurance rate.
Insurers also consider other factors, like your age, type of car, city, and driving history. This means that having a lower credit score doesn’t automatically mean you’ll receive higher insurance premiums. That said, you should prioritize improving your credit score to increase the chance of getting a better rate.
Syracuse car insurance rates by driver age
Another important factor for car insurance rates is your age. Insurance companies find that teenagers and other drivers younger than 25 tend to have more accidents than other drivers. This increased risk leads to higher insurance rates for young drivers.
Young drivers can still save some money with some insurers by using good student and driver education program discounts. On average, teenagers have rates of $553 per month in Syracuse. Drivers in their 70s earn the lowest average rate, at $114 per month.
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.
Is car insurance more expensive in Syracuse?
Car insurance rates vary by city within New York. Auto insurers consider a city’s population density, traffic congestion, and the number of accidents when calculating premiums. The amount of crime, vehicle theft, and vandalism in the area can also affect rates.
Car insurance in Syracuse costs an average of $268 per month for liability coverage. This costs more than insurance in Rochester, but drivers in places like Staten Island, New York City, and Brooklyn have much higher average rates.
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.
How to shop for the best car insurance in Syracuse
Consider the following car insurance factors when shopping for car insurance in Syracuse to make sure you find the best coverage at a good price:
Level of coverage: Determine how much coverage you need when shopping for insurance, including any optional coverages. You may prefer an insurer that offers gap insurance or roadside assistance, even if it costs more.
Customer satisfaction: Consider customer reviews and industry customer satisfaction ratings to determine if policyholders have positive feelings about the company. You may also want to check complaints filed with the BBB to help you uncover any potential issues.
Accessibility: As you shop around, it should be easy to access the insurer, as far as the hours of operation and methods of communication. You might prefer a company that stays open later in the day or allows you to communicate with your agent via email or through a mobile app.
Claims process: Check if the insurer has a clear claims process that you can either start online or by phone. Many insurers also allow you to check the status of your claim online.
Rates: Cost is an important factor to consider. Determine your budget and compare quotes from at least three different insurers before narrowing down your best option.
“It’s a good idea to shop for car insurance quotes every time your policy is due to renew,” says Yasmin Purnell, a financial writer at The Wallet Moth. “Sadly, many auto insurance companies do not offer any loyalty incentives to their customers, so it’s in your best interest to see who else on the market can provide you with a cheaper car insurance policy.”
Find Car Insurance in Syracuse
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How to get the cheapest car insurance in Syracuse
Getting the cheapest car insurance in Syracuse for you will depend on factors that insurance companies use to calculate pricing, including your age, ZIP code, credit history, and driving record.
However, you can actively work on lowering your costs by doing the following:
Maintain a clean record
Keep a clean driving record and avoid any driving violations. Always carry proof of insurance.
Improve your credit
Because New York insurers can consider your credit history, you should make sure you maintain or build a good credit history.
Ask about discounts
You can make sure you receive all the discounts you qualify for by inquiring with insurers about discounts for safe driving, bundling, and more.
Drive a safe car
You can potentially earn lower premiums or receive discounts for driving a car that has safety and anti-theft features installed.
Shop around
Gather quotes from several different insurance companies that offer the coverage you need to see which insurer offers the lowest rates.
Find local Syracuse agents
Haylor, Freyer & Coon Inc
300 S State St Suite 1000, Syracuse, NY 13202
Salanger & Hayward Agency Inc.
3700 James St, Syracuse, NY 13206
Emery & Webb Inc.
112 Dewitt St, Ste 205a, Syracuse, NY 13203-2899
Robert L Kelly General Insurance Agency
108 E Washington St Ste 1, Syracuse, NY 13202-1610
Shopping for car insurance presents challenges. Here’s more information you should know to help you buy car insurance in Syracuse.
Who has the cheapest car insurance in Syracuse?
The three cheapest insurance carriers in Syracuse are Travelers, Safeco, and Progressive, with monthly rates ranging from $123 to $221 for full-coverage insurance. Travelers also has the cheapest rates if you have a speeding ticket, DUI, or accident on your record.
Insurers don’t all offer the exact same rate to everyone since factors like your age, type of vehicle, and credit history affect your specific rate. You should shop around and compare quotes from multiple insurers so you can find the best prices for your situation.
What are the best car insurance companies in Syracuse?
Two of the best insurance companies in Syracuse are Travelers and Progressive. These companies both earned high IQ Scores and positive rankings in the J.D. Power 2022 Auto Insurance Study.[5] In terms of coverage, both Travelers and Progressive offer a variety of coverage options and opportunities for discounts.
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.
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
Edited byKatie PowersAuto and Life Insurance Editor
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.
Progressive
Safeco
Travelers
Liberty Mutual
Midvale Home & Auto
Bristol West
