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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.
| Syracuse Average (yearly) | New York Average | U.S. Average |
| $1,417 | $1,704 | $1,548 |
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.
| Insurance Company | Average 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.
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.
| Age group | Average 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.
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.
| Gender/Marital Status | Average 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.
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.
| Citation | Average 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.
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.
| Credit Tier | Average Yearly Rate |
| Very Poor | $3,428 |
| Fair | $1,725 |
| Good | $1,417 |
| Very Good | $1,308 |
| Exceptional | $1,210 |
