Author profile picture

Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent (former) — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

Author profile picture

Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How much is auto insurance in Syracuse?

The average cost of car insurance in Syracuse, New York, is $708 per six-months. That's cheaper than the average in New York ($852) and less expensive than the national average of $880. 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, and other factors in Syracuse. Read on to learn more!

Car insurance in Syracuse vs. New York Average 6 Mo. Premium
Syracuse average $708
New York average $852

The Zebra's key takeaways about car insurance in Syracuse:

  • The average cost of a car insurance policy in Syracuse is $708 per six-month policy — $118 per month.
  • The cheapest company in Syracuse is GEICO ($629).
  • 36% of Zebra customers in Syracuse stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

Location pin icon
No junk mail. No spam calls. Free quotes.

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.

Cheapest car insurance companies in Syracuse, NY
Company Avg. 6 Mo. Premium
GEICO $629
NYCM Insurance $702
Progressive $721
State Farm $778
Allstate $861

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Syracuse.

Location pin icon
No junk mail. No spam calls. Free quotes.

Syracuse auto insurance premiums by age

Our data tells us that drivers between the ages of 20-29 make up 31% of Syracuse drivers. The age bracket that pays the least for auto insurance in Syracuse consists of drivers in their age_50s, who pay an average of $664 per six-months. Those in their age_60s don't pay much more ($686).

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 $2,260 per six-months — a full $3,147 more than the second-most expensive rate paid by an age group.

Savannah auto insurance costs by age
Age group Average Six-month Rate
Teenagers $2,260
20s $942
30s $704
40s $691
50s $664
60s $686
70s $793

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 $851 decrease in six-month insurance premiums.  Our data tells us 34% of drivers in Syracuse have a credit score of average (580-679). 

credit score
Syracuse auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,714
Fair $862
Good $708
Very Good $654
Exceptional $605

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.

Savannah auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DWI/DUI $1,129
Reckless Driving $1,075
At-fault Accident (damages less than $1,000) $731
At-fault Accident (damages greater than $2,000) $962
Speeding Ticket (16-20 mph over speed limit) $869

Compare over 100 insurance companies at once!

Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.