The Cheapest Auto Insurance Companies in Syracuse, New York, in 2025

CSAA has the cheapest average rates in Syracuse, but your exact rates will vary based on personal driving factors.

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Danny Smith
Written byDanny Smith
Danny Smith
Danny SmithInsurance Writer

Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.

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Drivers in Syracuse, New York, pay an average of $338 per month for car insurance, according to Compare.com data. Syracuse’s rates are lower than the state’s average but still higher than the national average. The city’s high number of car thefts may be one of the reasons why its rates are higher than average.[1]

Fortunately, many insurance companies offer rates below the statewide average. Syracuse drivers can find the cheapest average rates with CSAA, Liberty Mutual, and Safeco.

This guide covers what you need to know about how to find the cheapest car insurance in Syracuse. You’ll learn how to pick a company, which insurers are best for different types of drivers, and how to save money on your policy.

Key Takeaways
  • CSAA has the cheapest rates in Syracuse, with an average monthly rate of $90.

  • Drivers in Syracuse pay an average rate of $320 per month for liability coverage and $355 for full coverage.

  • New York requires all drivers to have a minimum of 25/50/10 in liability coverage.[2]

The Cheapest Car Insurance Companies in Syracuse, New York

Regardless of Syracuse’s average car insurance rates, you can still find ways to save money on your policy. Plenty of car insurance companies offer rates below the city and state averages. 

The chart below is a great place to start your insurance search. It highlights the cheapest car insurance companies in Syracuse, according to Compare.com data.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
CSAA$90
Liberty Mutual$101
Safeco$140
Progressive$209
Erie$282
USAA$293
Bristol West$390
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

CSAA has the cheapest rates in Syracuse, at $90 per month. Just keep in mind that this is only an average. Your personal rate will depend on your unique driving profile.

Next, let’s take a look at which insurers top our list for the various types of drivers and coverages.

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Cheapest Car Insurance in Syracuse by Driver and Coverage Type

While the car insurance companies we mentioned above are a great place to start your search, it’s important to remember that factors like your driving record, age, and location will determine how much you pay.

The table below shows the cheapest insurers for the different kinds of drivers and coverage levels, according to Compare.com data.

Driver/Coverage Type
sort ascsort desc
Cheapest Insurer
sort ascsort desc
Insurer’s Average Monthly Premium
sort ascsort desc
State-minimum coverageCSAA$90
Full coverageCSAA$146
TeensCSAA$129
SeniorsCSAA$78
Drivers with a speeding ticketCSAA$107
Drivers with an at-fault accidentCSAA$129
Drivers with a DUICSAA$139
Drivers with excellent creditCSAA$76
Drivers with poor creditCSAA$108
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Below, we’ll dive deeper into each category to help you find the best match for your situation.

  • State-minimum car insurance coverage in Syracuse costs an average of $320 per month, according to Compare.com data. Though states typically only require liability coverage, most experts recommend buying additional coverages to fully protect yourself and your car.[3]

    Liability-only car insurance only pays for damages to the other driver and their vehicle, leaving you to pay for your own expenses. But if you only need basic coverage, some insurers are cheaper than the rest.

    The table below shows the cheapest car insurance companies for liability coverage, according to Compare.com data.

    Average Liability Rates by Company

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • If you need a more robust insurance policy, consider full coverage to protect yourself, your passengers, and your vehicle. It includes liability insurance, collision coverage, and comprehensive insurance.

    Collision coverage pays for damages resulting from another car or object, while comprehensive coverage pays for damages from incidents other than collisions, like fire, theft, or hurricanes. Full coverage is optional, except for drivers with a car loan or lease, as lenders often require it.[4]

    On average, Syracuse drivers pay $355 per month for coverage, according to Compare.com data. But you can get full coverage for close to the average cost of liability insurance.

    Here are the cheapest car insurance companies for full coverage in Syracuse, according to our data.

    Average Full-Coverage Rates by Company

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Teenage drivers often have the highest car insurance rates due to their lack of driving experience. Insurers consider teens risky for good reason: They’re almost four times more likely to get into accidents than drivers 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[5]

    In Syracuse, the average cost of car insurance for teens is $431 per month, according to Compare.com data. But teens aren’t necessarily stuck with high rates if you know where to look. Below, you’ll find the five cheapest car insurance companies for Syracuse teens, according to our research.

    Average Rates for Teens

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Senior drivers often enjoy the cheapest car insurance rates of any age group because they have years of experience behind the wheel and present less risk to insurers. They tend to be more cautious drivers and engage in less risky behavior. But this risk begins to decrease around age 70, due to age-related issues such as vision, hearing, and cognitive decline.[6]

    Syracuse seniors pay a monthly average of $342 for car insurance, according to Compare.com data. Even with these low rates, senior drivers can find even cheaper rates with some insurers. The chart below showcases the cheapest car insurance companies in Syracuse for seniors, according to our data.

    Average Rates for Seniors

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • A speeding ticket can lead to a car insurance rate increase, as it indicates risk to insurance companies. Just one speeding ticket causes average rates to increase by 28% nationwide, according to Compare.com research.

    Syracuse drivers with a ticket pay an average of $384 per month, according to our data. But you can find lower rates if you take the time to compare quotes. Check out the chart below to see the five cheapest car insurance companies in Syracuse for drivers with a speeding ticket.

    Average Rates With a Ticket

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • If you cause an accident, expect your rates to increase quite a bit. Insurance companies view drivers who cause crashes as risky drivers who’ll likely file a claim in the future. Your insurance will raise your premiums to account for the increased risk. 

    A single at-fault accident causes car insurance rates to increase by around 33% nationwide, according to our research. On average, Syracuse drivers pay $483 per month after an accident.

    With a little research, you can often find lower rates with the right company. Take a look at the chart below to see the five cheapest car insurance companies in Syracuse if you have an at-fault accident on your record.

    Average Rates With an Accident

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • A DUI is a severe driving infraction that can cause the most drastic rate increase. Getting a DUI puts you in the high-risk category in the eyes of insurers. Our research shows that average rates increase by an average of 59% nationwide after a DUI.

    Drivers pay an average monthly rate of $544 after a DUI conviction, according to Compare.com data. But it doesn’t mean you’ll pay sky-high rates forever. Insurers, like the ones in the chart below, offer cheaper rates to Syracuse drivers with a DUI, according to Compare.com data.

    Average Rates With a DUI

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Car insurance companies even consider your credit history when determining your car insurance rates. Insurers factor your credit history information into a credit-based insurance score to help determine your risk level.[7] Drivers with poor credit pay an average of 40% more than drivers with excellent credit, according to our data.

    The average rate for drivers with poor credit in Syracuse is $423 per month, according to Compare.com data. But not every company uses credit as a rating factor. We found five insurers offering cheaper rates in Syracuse for drivers with poor credit.

    Average Rates With Bad Credit

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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New York Auto Insurance Requirements

Aerial view of a small town in autumn, with colorful trees, houses, and rolling hills under a partly cloudy sky.

Like nearly every state in the country, New York requires all drivers to have car insurance. The state’s minimum car insurance requirements are:

  • $25,000 for bodily injury liability insurance and $50,000 for death per person

  • $50,000 in bodily injury liability insurance and $100,000 for death of two or more people

  • $10,000 in property damage per accident

You must always maintain these coverages while your registration is active, even if you’re not actively using the vehicle. Additionally, the New York State Department of Motor Vehicles doesn’t accept out-of-state car insurance, so you must purchase insurance from an insurance company that operates in the state.

Is minimum coverage enough in Syracuse?

Syracuse’s minimum limits only meet the state’s legal requirements, but, in most cases, it doesn’t provide adequate protection. Most insurance experts strongly recommend buying car insurance coverage above your state’s minimum limits.

For example, if you get into a car accident, liability coverage will only pay for the other driver’s injuries and vehicle damages. If you suffer injuries and total your vehicle, you’d have to figure out how you’d pay for your own expenses.

That’s why most drivers should consider full-coverage car insurance. With it, you can rest easy, knowing your collision coverage and comprehensive insurance will pay for your damages. And if you lease or finance your car, your lender will likely require it, anyway.

Syracuse Auto Insurance FAQs

Take a look at answers to some of the most commonly asked questions about Syracuse auto insurance to get the best possible policy for your needs.

  • How much is car insurance in Syracuse?

    Syracuse car insurance averages $338 per month, according to Compare.com data. Syracuse drivers pay an average of $320 per month for liability coverage and $355 for full coverage.

  • What’s the cheapest auto insurance company in Syracuse?

    CSAA is the cheapest auto insurance company in Syracuse, with an average rate of $90 per month, according to Compare.com data. Keep in mind that your exact rates will depend on your driving history, age, and location, which is why it’s so important to compare car insurance quotes from multiple companies.

  • Is car insurance in Syracuse expensive?

    Yes. Car insurance in Syracuse is expensive. Drivers pay an average monthly rate of $338 — slightly higher than the national average of $150. Your rate could be higher or lower depending on multiple factors, including your driving history, your ZIP code, and more.

  • Is $200 a month expensive for car insurance?

    It depends. A $200 per month car insurance premium is expensive compared to the national average rate of $150. But drivers in some areas may not consider $200 per month expensive. For example, New York drivers pay an average of $308, while drivers in some neighboring states, such as Pennsylvania and Rhode Island, pay less than $200 per month, according to Compare.com data.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Related Articles

Sources

  1. CNY Central. "Nationally, car thefts are down; in Syracuse, car thefts continue to rise."
  2. Department of Financial Services. "Minimum Auto Insurance Requirements."
  3. III. "How much auto coverage do I need?."
  4. Land Rover Manhattan. "o You Need Full Coverage on a Used Financed Car?."
  5. Teenagers. "Insurance Institute for Highway Safety."
  6. Aaa.com. "Top Challenges for Older Drivers."
  7. Naic.org. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
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Danny Smith
Danny SmithInsurance Writer

Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Lequita Westbrooks
Edited byLequita WestbrooksSenior Editor
Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.

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