Best Cheap Auto Insurance in Syracuse, New York (2024)

Syracuse drivers face expensive average rates but pay less than people in other New York cities.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 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.

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Katie Powers
Edited byKatie Powers
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.

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Updated April 15, 2024

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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.

Find Car Insurance in Syracuse

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Insurance CompanyBest ForAverage Monthly Quote: Full CoverageIQ 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.
ProgressiveOverall$2214.0
SafecoBest value$1843.7
TravelersMost affordable$1234.3
Liberty MutualCommuters$2823.8
Midvale Home & AutoFamilies$2713.2
Bristol WestHigh-risk drivers$4242.2
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 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. 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best car insurance overall: Progressive

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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.
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.
$194/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.
$284/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

Read our Progressive review
Yariel - April 15, 2024
Verified

Scam

It's a scam. They offered me an initial price and then made a significant increase to my policy without any justification.

Loraine - April 15, 2024
Verified

Discounts

I can't get a discount for driving less than 5 miles a day.

Michael - April 15, 2024
Verified

Expensive

The insurance is expensive.

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]

Best value car insurance in Syracuse: Safeco

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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.
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.
$123/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.
$170/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

Read our Safeco review
Gary - April 13, 2024
Verified

Excellent

A very good auto insurance company.

Tammy - April 8, 2024
Verified

Bad

The underwriter is incompetent. Your staff didn't renew my policy and sent a rude letter stating that I have debris or algae on my roof.

Carol - April 6, 2024
Verified

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

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

Compare personalized, real-time quotes
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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$317/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.
$465/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

Read our Travelers review
Willard - April 13, 2024
Verified

No

Too expensive.

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

Lisa - March 14, 2024
Verified

Long-time customer with a slight rate reduction

The premium is too much for what I need.

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

Compare personalized, real-time quotes
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.
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.
$164/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.
$227/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

Read our Liberty Mutual review
Felicia - April 15, 2024
Verified

Poor

Don't have an accident or get a ticket, your rates will triple.

Janise - April 12, 2024
Verified

No Roadside Assistance in My Area

It's hard to get a live person to talk to, and it's difficult to find the right phone number.

Phyllis - April 12, 2024
Verified

Loyalty doesn't count anymore!

I had been with Liberty Mutual since 1997. I had both auto and homeowners policies. I never filed a claim, but my premiums started increasing significantly over the past couple of years. It seems that loyal customers don't matter to Liberty Mutual. It's time to move on!

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

Compare personalized, real-time quotes
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.
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.
$183/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.
$221/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

Compare personalized, real-time quotes
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.
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.
$322/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.
$366/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

Read our Bristol West review
Barry - April 1, 2024
Verified

Terrific

Absolutely great.

Suzanne - March 29, 2024
Verified

Issues with Policy and Customer Service

It's been a terrible experience. I paid both my policies in full, yet they decided to charge my bank account and then cancel my policy without notifying me. This has really messed up my finances for the past year. My car insurance has climbed from 116 when I first signed up with them to 183 now.

Mitchell - March 29, 2024
Verified

Difficulties

I've been having difficulties with the mobile app and I can't remove an old policy from my account.

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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Based on 3,806+ reviews
4.8/5
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ProgressiveLiberty MutualTravelers

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.

Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full Coverage
TravelersN/A$123
SafecoN/A$184
ProgressiveN/A$221
Midvale Home & Auto$230$271
Liberty Mutual$272$282
Bristol West$339$424
CSAA$347$531
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

Your driving history directly affects your car insurance rates. If you have a history of driving infractions — like speeding tickets, driving under the influence (DUI) charges, or at-fault accidents — your insurance company will see you as a greater risk to insure.[3]

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 RecordAt-Fault AccidentDUISpeeding 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.

Age GroupAverage Monthly Quote
Teenagers$553
Younger than 25$414
20s$240
30s$263
40s$236
50s$291
60s$205
70s$114
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.

CityAverage Monthly QuoteCompared to Syracuse
Rochester$267-9%
Buffalo$36324%
Staten Island$53182%
New York$54585%
Brooklyn$667129%
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.”

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ProgressiveLiberty MutualTravelers

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:

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    Maintain a clean record

    Keep a clean driving record and avoid any driving violations. Always carry proof of insurance.

  • illustration card https://a.storyblok.com/f/162273/100x100/0f53b7e117/credit-card-2-1.svg

    Improve your credit

    Because New York insurers can consider your credit history, you should make sure you maintain or build a good credit history.

  • illustration card https://a.storyblok.com/f/162273/x/74eeb59654/discounts.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/8368425876/safety-features.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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
  • 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
View more

Syracuse car insurance FAQs

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.

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. J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds."
  2. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
  5. J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds."
Choncé Maddox
Choncé Maddox

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.

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.

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