Syracuse, NY Car Insurance

Learn more about auto insurance rates and trends in Syracuse.

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How much is auto insurance in Syracuse?

 

The average cost of car insurance in Syracuse, New York, is $1,417 per year. That's cheaper than the average in New York ($1,704) and less expensive than the national average of $1,548. Our guide to car insurance in Syracuse — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

 
CAR INSURANCE RATES IN SYRACUSE
Syracuse Average (yearly)New York AverageU.S. Average
$1,417$1,704$1,548
 
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Syracuse car insurance premiums by company

 

The difference in auto insurance rates from company to company can be substantial. In Syracuse, GEICO offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Syracuse below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

 
SYRACUSE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
GEICO$1,258
NYCM Insurance$1,405
Progressive$1,442
State Farm$1,556
Allstate$1,723
 

Check out our guide to learn how to find the best cheap car insurance.

 

Syracuse auto insurance premiums by age

The age bracket that pays the least for auto insurance in Syracuse consists of drivers in their age_50s, who pay an average of $1,329. Those in their age_60s don't pay much more ($1,373).

Teenage drivers pay Syracuse's most expensive car insurance rates. When drivers hit their 20s in Syracuse and move out of the teenage age bracket, they reduce their premiums substantially. In Syracuse, teenage drivers pay $4,520 — a full $3,147 more than the second-most expensive rate paid by an age group.

 
SYRACUSE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Annual Rate
Teenagers$4,520
20s$1,885
30s$1,408
40s$1,382
50s$1,329
60s$1,373
70s$1,586
 

Learn more about the impact of age on auto insurance rates.

 

Syracuse auto insurance rates by marital status and gender

 

Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Syracuse pay $48 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Syracuse, widowed drivers pay less than those who are single.

Gender is another factor that can impact auto insurance costs. In Syracuse, female drivers pay $46 per year more than do male drivers.

 
SYRACUSE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,463
Male$1,417
Single$1,369
Married$1,369
Divorced$1,413
Widowed$1,413
 

Learn more about how gender and marital status have on auto insurance rates.

 

Syracuse auto insurance costs by violation history

 

If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Syracuse, a reckless driving citation results in an average insurance rate increase of $733 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $842 increase and a speeding ticket triggers a $321 rate hike.

 
SYRACUSE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Annual Rate
DWI/DUI$2,259
Reckless Driving$2,150
At-fault Accident (damages less than $1,000)$1,462
At-fault Accident (damages greater than $2,000)$1,924
Speeding Ticket (16-20 mph over speed limit)$1,739
 

Learn more about citations' impact on your auto insurance rates.

 

Syracuse car insurance costs by credit tier

 

It's no secret credit score is closely correlated with car insurance rates. In fact, Syracuse drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 65% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Syracuse, moving into the "Fair" credit tier corresponds to an average of $1,702 in savings on insurance each year.

 
SYRACUSE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Yearly Rate
Very Poor$3,428
Fair$1,725
Good$1,417
Very Good$1,308
Exceptional$1,210
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.