Syracuse Car Insurance

The Zebra
May 30, 2018

Car Insurance in Syracuse

On average, premiums in Syracuse are $273 less than the state average, so if you are insuring a vehicle in Syracuse, cutting costs is vital. Going over some ways to save on Syracuse car insurance can save you money.

  • City Average: $1,309
  • State Average: $1,582
  • National Average: $1,427

Syracuse Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can cost you in terms of car insurance rates. Reckless driving will increase your car insurance premiums more than other driving violations. In general, a DUI in Syracuse will cost you 56% more in car insurance premiums versus the city average of $1,309. Reckless driving will also drive your premiums up, with average rates of $2,311! The severity of an at-fault accident influences insurance rates. When comparing premiums for drivers with at-fault accidents in Syracuse, those with damages exceeding $2,000 pay 30% more than those with damages less than $1,000.

  • DUI: $2,045
  • Reckless Driving: $2,311
  • At-fault Accident (damages less than $1000): $1,371
  • At-fault Accident (damages greater than $2000): $1,777
  • Speeding Ticket (16-20 mph over speed limit): $1,510

Syracuse Car Insurance by Gender and Marital Status

There are a variety of factors, including gender and marital status, that play a role in car insurance premiums in Syracuse. Premiums for women tend to be a mere 1% more expensive than for men. You can save close to 3% per year if you're married as opposed to single. For those who are widowed or divorced, rates are marginally cheaper than rates for those who are single.

  • Female: $1,327
  • Male: $1,309
  • Single: $1,309
  • Married: $1,266
  • Divorced: $1,290
  • Widowed: $1,290

Syracuse Car Insurance by Age

At $1,223, drivers in their 50s have the lowest rates among any age group. Those in their 40s and 60s have premiums that aren't much higher, with premiums of $1,261 and $1,265, respectively. The biggest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Syracuse start saving an average of $2,658. Turning 60 causes a rise in insurance rates, but up until that point drivers can expect premium reductions when they progress from one age group to the next. With car insurance payments of $4,396 on average, teenage drivers have the biggest premiums of any age group.

  • Teenagers: $4,396
  • 20s: $1,738
  • 30s: $1,302
  • 40s: $1,261
  • 50s: $1,223
  • 60s: $1,265
  • 70s: $1,410

Syracuse Car Insurance by Credit Rating

Improving your credit can save you a good bundle of money. Those in the top credit tier (800-850) save an average of $1,399 every year on premiums compared to those in the bottom tier (300-579). The most significant benefit of better credit comes from rising from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $527 per year.

  • Very Poor: $2,581
  • Fair: $2,054
  • Good: $1,656
  • Very Good: $1,369
  • Exceptional: $1,182

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