Best Cheap Auto Insurance in Syracuse, NY (2021)

On average, Syracuse, NY auto insurance costs $293 per month or $3,519 annually. However, your rates depend on your age, driving record, and coverage choices. The cheapest Syracuse, NY auto insurance company is GEICO. New Yorkers must carry at least 25/50/10 in liability coverage plus $50,000 worth of personal injury protection (PIP) to drive on the roads legally.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 20, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • Syracuse, NY auto insurance costs $293 per month or $3,519 annually on average
  • GEICO offers the cheapest quotes in your city
  • Insurance rates in Syracuse are low to average compared to the rest of New York

Syracuse, New York auto insurance is priced average to low compared to the rest of New York. The average Syracuse, NY auto insurance rates are $293 per month or $3,519 annually.

Below, compare genuine premiums from providers in your city and learn how to secure cheap Syracuse auto insurance.

Compare Syracuse, NY auto insurance quotes for free by entering your ZIP code into our rate tool above.

What is the cheapest auto insurance company in Syracuse, NY?

The cheapest Syracuse, NY auto insurance company is GEICO. However, your rates depend on your age, driving record, and coverage needs.

Below, compare the average annual rates for Syracuse auto insurance from the top providers in your city.

  • GEICO – $2,120.64
  • USAA – $2,825.67
  • Nationwide – $3,198.87
  • Progressive – $3,233.49
  • State Farm – $3,792.67
  • Travelers – $3,902.49
  • Allstate – $4,066.38
  • Liberty Mutual – $5,012.79

Before you buy Syracuse, NY auto insurance, know that every company uses a different formula to calculate your quotes.

Therefore, to truly secure cheap auto insurance, compare rates from multiple providers before picking a policy.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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What auto insurance coverage is required in Syracuse, NY?

Auto insurance laws vary from state to state. All Syracuse residents must carry the New York minimum level of auto insurance to drive on the roads legally.

You must also register your vehicle in the state of New York and not out-of-state.

Currently, New Yorkers must purchase at least:

  • $25,000 per person and $50,000 per incident in bodily injury liability insurance
  • $10,000 in property damage liability coverage
  • $50,000 in personal injury protection (PIP)

New York is a no-fault state. Your PIP coverage pays for medical bills and lost wages associated with an accident, regardless of fault.

What affects auto insurance rates in Syracuse, NY?

Despite an increase and auto theft rates, the mild Syracuse traffic congestion helps keep insurance costs down in your city.

INRIX ranks Syracuse as the 224th most congested city in America.

Commuter times in your city are also much lower than the national average of 26 minutes.

According to City-Data, the average commute length for Syracuse residents is only 17.4 minutes.

While the Federal Bureau of Investigation (FBI) recorded only 371 vehicle thefts in your town in 2017, that number has steadily increased ever since.

In 2019, there were 395.3 stolen vehicles per every 100,000 Syracuse residents, much higher than the state average.

Syracuse, NY Auto Insurance: The Bottom Line

Overall, Syracuse auto insurance costs less than other major cities in the state.

For example, auto insurance in New York City, NY costs $624 per month compared to only $293 per month in Syracuse.

Quickly secure your best rates by comparing quotes from multiple providers online and asking about auto insurance discounts.

Find affordable Syracuse, NY auto insurance by entering your ZIP code into our free quote tool below.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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