Cheap Auto Insurance Quotes in Syracuse, NY (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Empire State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

Car Insurance in Syracuse, NY

The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Syracuse, NY to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$67
$82
$106
$180
GEICOState FarmProgressiveLiberty Mutual
Monthly $

Cheapest Car Insurance in Syracuse, NY

Here are the cheapest carriers in Syracuse for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$209
$181
$204
$366
$186
$109
New YorkNew YorkBrooklynBronxStaten IslandSyracuse
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Syracuse, NY Driving Facts

new-york

Minimum Car Insurance Requirements in NY

The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liablilty insurance requirements in New York are: 

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

  • $50,000 personal injury protection (PIP) per person per accident

New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.

What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily per person
  • $50,000 uninsured/underinsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

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
Ellis, Moreland & Ellis Inc 
2005 W Genesee St, Syracuse, NY 13219
Big I New York / IAAC 
5784 Widewaters Pkwy Ste 1, Syracuse, NY 13214
IAAC, Inc 
5784 Widewaters Pkwy Fl 1, Syracuse, NY 13214
Daniel J. Walker Insurance Agency, Inc. 
1759 W Genesee St, Syracuse, NY 13204-1901
Cargian Agency Inc. 
1524 W Fayette St., Syracuse, NY 13204-2739
Shopiro Agency Inc. 
306 Hawley Ave, Syracuse, NY 13203

Insurify Insights: How Syracuse Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Syracuse, NY
suspended licenses
#7
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Syracuse drivers measure up to their fellow New York motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Syracuse

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Syracuse drivers rank 8 in the number of car accidents per driver across all cities in New York.

  • Rank within state: #8
  • Percent of drivers in Syracuse with an accident: 11.38%
  • Drivers in Syracuse, NY with an accident in their driving history paid on average 26.09% more than drivers with a clean record

Speeding Syracuse

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Syracuse drivers rank 10 in the number of speeding infractions per driver.

  • Rank within state: #10
  • Percent of drivers in Syracuse with a speeding ticket: 6.49%
  • Drivers in Syracuse, NY with a speeding ticket in their driving history paid on average 14.01% more than drivers with a clean record

DUI/DWIs Syracuse

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Syracuse drivers rank 33 in the number of DUI’s per driver across all cities in New York.

  • Rank within state: #33
  • Percent of drivers in Syracuse with a DUI: 0.98%
  • Drivers in Syracuse, NY with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude Syracuse

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, Syracuse drivers rank 7 in rude driving infractions.

  • Rank within state: #7
  • Percent of drivers in Syracuse with a reckless driving violation: 1.87%
  • Drivers in Syracuse, NY with a reckless driving violation in their driving history paid on average 13.53% more than drivers with a clean record.

Safest Drivers Syracuse

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Syracuse drivers rank 9 in clean driving records across all cities in New York.

  • Rank within state: #9
  • Percent of drivers in Syracuse with clean record: 83.38%

Failure to Yield the Right of Way Syracuse

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Syracuse drivers rank 11 in failure to yield violations per driver across all cities in New York.

  • Rank within state: #11
  • Percent of drivers in Syracuse with a failure to yield violation: 0.27%
  • Drivers in Syracuse, NY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Syracuse

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, Syracuse drivers rank 10 in the number of reckless driving offenses per driver.

  • Rank within state: #10
  • Percent of drivers in Syracuse with a reckless driving offense: --%

Most Popular Vehicle Syracuse

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Syracuse is the Honda Civic.

Most Patriotic City

Most Patriotic City

Syracuse

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Rochester won Insurify's Most Patriotic Cities Award for the state of New York. It is home to a vibrant community of former servicepeople. Rochester itself was at the center of many important political and social movements: it was once an important stop along the Underground Railroad, and saw the growth of the women's suffrage movement once Susan B. Anthony settled there in 1846.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.