Syracuse, NY Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Syracuse.
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?
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.
| 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.
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.
| 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).Â
| 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.
| 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 |
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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.