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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
Drivers in Syracuse, New York, pay an average of $137 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 and severe weather events are among 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 Erie, USAA, and Travelers.
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.
Erie has the cheapest rates in Syracuse, with an average monthly rate of $95 for liability-only coverage.
Drivers in Syracuse pay an average rate of $101 per month for liability coverage and $173 for full coverage.
New York requires all drivers to have a minimum of 25/50/10 in liability coverage.[2]
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.
Company  | Average Monthly Premium |
|---|---|
| Erie | $95 |
| USAA | $100 |
| Travelers | $117 |
| State Farm | $136 |
| Allstate | $143 |
| GEICO | $150 |
| CSAA | $234 |
| Progressive | $263 |
| Chubb | $265 |
| Bristol West | $360 |
Erie has the cheapest rates in Syracuse, at $95 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.
Compare personalized quotes from Syracuse’s top insurers.
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 | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Erie | $95 |
| Full coverage | Erie | $126 |
| Teens | Erie | $156 |
| Seniors | Erie | $65 |
| Drivers with a speeding ticket | Erie | $123 |
| Drivers with an at-fault accident | Erie | $133 |
| Drivers with a DWI | Erie | $156 |
| Drivers with excellent credit | Erie | $70 |
| Drivers with poor credit | Erie | $133 |
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 $101 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 from at-fault accidents and other potential loss scenarios, such as theft, vandalism, and severe weather.[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.
Company | Average Monthly Premium |
|---|---|
| Erie | $95 |
| USAA | $100 |
| Travelers | $117 |
| State Farm | $136 |
| Allstate | $143 |
| GEICO | $150 |
| CSAA | $234 |
| Progressive | $263 |
| Chubb | $265 |
| Bristol West | $360 |
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 $173 per month for full coverage, according to Compare.com data.
Here are the cheapest car insurance companies for full coverage in Syracuse, according to our data.
Company | Average Monthly Premium |
|---|---|
| Erie | $126 |
| USAA | $132 |
| Travelers | $154 |
| State Farm | $180 |
| Allstate | $189 |
| GEICO | $199 |
| CSAA | $238 |
| Chubb | $351 |
| Progressive | $389 |
| Bristol West | $488 |
Teenage drivers often have the highest car insurance rates due to their lack of driving experience and risky driving behaviors. 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 $197 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.
Company | Average Monthly Premium |
|---|---|
| Erie | $156 |
| USAA | $165 |
| Travelers | $220 |
| State Farm | $237 |
| GEICO | $242 |
| Allstate | $254 |
| Progressive | $378 |
| Chubb | $493 |
| CSAA | $528 |
| Bristol West | $568 |
Senior drivers often enjoy the cheapest car insurance rates of any age group because they have decades 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 $96 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.
Company | Average Monthly Premium |
|---|---|
| Erie | $65 |
| USAA | $73 |
| Travelers | $84 |
| State Farm | $96 |
| Allstate | $104 |
| GEICO | $107 |
| CSAA | $156 |
| Chubb | $178 |
| Progressive | $184 |
| Bristol West | $271 |
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 $166 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.
Company | Average Monthly Premium |
|---|---|
| Erie | $123 |
| USAA | $127 |
| Travelers | $149 |
| State Farm | $170 |
| Allstate | $183 |
| GEICO | $193 |
| CSAA | $302 |
| Progressive | $318 |
| Chubb | $332 |
| Bristol West | $447 |
If you cause an accident, expect your rates to increase for at least three years. 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 $196 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.
Company | Average Monthly Premium |
|---|---|
| Erie | $133 |
| USAA | $140 |
| Travelers | $165 |
| State Farm | $188 |
| Allstate | $200 |
| GEICO | $206 |
| CSAA | $345 |
| Chubb | $368 |
| Progressive | $376 |
| Bristol West | $496 |
A DWI is a severe driving infraction that can cause the most drastic rate increase. Getting a DWI 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 DWI.
Drivers pay an average monthly rate of $250 after a DWI 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 DWI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Erie | $156 |
| USAA | $163 |
| Travelers | $191 |
| State Farm | $222 |
| Allstate | $233 |
| GEICO | $244 |
| CSAA | $382 |
| Chubb | $432 |
| Progressive | $480 |
| Bristol West | $587 |
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 $154 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $117 |
| Erie | $133 |
| Travelers | $137 |
| Allstate | $168 |
| GEICO | $176 |
| State Farm | $187 |
| CSAA | $275 |
| Progressive | $296 |
| Chubb | $405 |
| Bristol West | $422 |
Compare quotes side by side and lock in cheaper rates.
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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
$50,000 for personal injury protection (PIP)
$20,000/$50,000 for uninsured motorist protection (UM)
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.
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 drivers purchase 100/300/100 levels of liability coverage to provide greater financial protection from at-fault accidents.
For example, if you get into an at-fault 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.
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.
Syracuse car insurance averages $137 per month, according to Compare.com data. Syracuse drivers pay an average of $101 per month for liability coverage and $173 for full coverage.
Erie is the cheapest auto insurance company in Syracuse, with an average rate of $95 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.
Yes. Car insurance in Syracuse is expensive. Drivers pay an average monthly rate of $137 — slightly higher than the national average of $140. Your rate could be higher or lower depending on multiple factors, including your driving history, your ZIP code, and more.
It depends. A $200 per month car insurance premium is expensive compared to the national average rate of $140. But drivers in some areas may not consider $200 per month expensive. For example, New York drivers pay an average of $154, while drivers in some neighboring states, such as Pennsylvania and Rhode Island, pay less than $200 per month, according to Compare.com data.
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.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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