Cheapest Auto Insurance in Syracuse, New York (2024)
CSAA has the cheapest liability insurance in Syracuse, with rates starting at $81 per month.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
The average cost of liability car insurance in Syracuse is $142 per month. This is cheaper than New York state’s average rate of $311 and similar to the national average of $104 per month.
Drivers in Syracuse likely benefit from cheaper coverage than the New York state average due to lower rates of vehicle theft and property damage crimes than the much busier New York City metropolitan area.[1]
Here’s what you need to know to find cheap car insurance in Syracuse, including how to compare quotes and coverage options.
Quick Facts
CSAA, Safeco, and Liberty Mutual have the cheapest liability insurance in Syracuse.
On average, full-coverage insurance costs $344 per month in Syracuse, $407 in New York state, and $204 in the U.S.
New York is a no-fault state, which means each driver needs to file their own insurance claim following a car accident.
3 of the cheapest car insurance companies in Syracuse
Before you choose a car insurance company or policy, you should consider your budget, circumstances, and specific needs. Every insurer will have different rates, so it’s important to compare options from a number of companies.
The three car insurance companies in the table below offer some of the cheapest rates and good coverage in Syracuse. These insurers are a good place to start your search to find the best deal in your area. The quotes below reflect statewide average costs in New York.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| CSAA | 7.6 | $179 | $119 | Cheap rates |
| Safeco | 8.3 | $143 | $82 | Classic cars |
| Liberty Mutual | 7.7 | $258 | $159 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify'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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: CSAA
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $124/mo |
4.5
Best choiceBased on 1619 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the competitive rates and helpful customer service but dislike the lack of communication and the recent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the competitive rates and helpful customer service but dislike the lack of communication and the recent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (433)
Brooklynn
November 19, 2024
Verified Review
I know everyone should do this
It's amazing, I loved it.
Renee
November 6, 2024
Verified Review
If It Ain't Broke...
AAA has been fair over the years but with a $200 increase in one year, I had to shop around. I will stick with AAA.
Mary
November 6, 2024
Verified Review
AAA Fun
I always have a great experience! They are professional, patient, and willing to explain things to you.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.75A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Drivers looking for the cheapest possible rates should consider CSAA. It offers some of the cheapest car insurance rates in Syracuse. But, as CSAA is an AAA-affiliated insurance company, you’ll need a AAA membership.
Pros
High customer satisfaction levels
Generous roadside assistance program
Cons
Need to pay for an AAA membership
Not available in every state
Best insurer for classic cars: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $111/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $124/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco, owned by Liberty Mutual, is the best car insurance company in Syracuse for classic cars. The company provides excellent classic car insurance that includes agreed-value coverage, roadside assistance, and limited-use coverage.
Pros
Numerous options for car insurance customization
Claims-free customers get cash back
Cons
Limited discounts
A higher-than-average number of complaints on the National Association of Insurance Commissioners (NAIC) consumer complaint index
Best insurer for discounts: Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $135/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $200/mo |
3.7
A solid optionBased on 2671 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,559)
Michael
November 19, 2024
Verified Review
Go Elsewhere
The customer service is poor. It's difficult to speak to a human as it's overly automated.
Deborah
November 12, 2024
Verified Review
Examine Every Inch of Your Policy
I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.
Lee
November 12, 2024
Verified Review
Ugh!
The rates increase every year. I'm an excellent driver and I've never made a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual is the best insurance company in Syracuse for discounts. Home to Syracuse University, Syracuse is home to roughly 25,000 students during the school year.
Student drivers often need ways to save money on auto insurance coverage, which makes Liberty Mutual a good option. It offers a wide variety of discounts, including paperless, claims-free, and good student discounts.
Pros
Accident forgiveness available
Affordable rates
Cons
Many customer complaints, according to the NAIC
Below-average rating in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
How to get the cheapest car insurance in Syracuse
Finding cheap car insurance in Syracuse is easier than you might think. But it’s important to understand the factors insurance companies have when setting your rates, such as your driving record, location, and even your credit history.
Here are some good ways to secure the right auto insurance policy:
Keep a clean driving record. Drivers with clean records pay the lowest car insurance rates, on average.
Bundle home and auto insurance. Most insurance companies offer discounts for policyholders who buy two or more insurance products.
Increase your deductible. Having a higher deductible allows you to pay lower monthly premiums.
Apply for discounts. Always ask about available discounts when buying a new policy.
Compare car insurance quotes. Shopping around for coverage from multiple companies is the best way to find cheap rates.
If you’re still having trouble finding affordable auto policies, consider contacting an independent insurance agent and asking them any questions you might have.
Find Cheap Car Insurance in Syracuse
Liability rates start at $81 per month
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Cheapest liability-only car insurance in Syracuse: CSAA
Liability-only car insurance covers bodily injury and property damage to other drivers’ passengers and vehicles in the event of a car accident. While you can’t use it to pay for your own damages and injuries, it can reduce the amount you have to pay out of pocket in a claim.
Drivers in New York must carry liability car insurance. A liability-only policy in Syracuse costs an average of $142 per month. The table below highlights some companies offering the cheapest liability policies in Syracuse.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| CSAA | $81 |
| Safeco | $111 |
| Liberty Mutual | $135 |
| Progressive | $171 |
| Erie | $230 |
| USAA | $240 |
| Bristol West | $334 |
Disclaimer: Table data sourced from real-time quotes from Insurify'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.
Cheapest full-coverage car insurance in Syracuse: CSAA
Full-coverage car insurance covers everything that liability insurance covers in addition to comprehensive and collision insurance. Comprehensive coverage protects against non-collision events, such as vandalism, storm damage, and stolen vehicles. Collision coverage pays for repairs to your vehicle if it needs repairs or replacement after a crash.
Drivers in New York don’t need to carry full coverage, but most insurance experts recommend it, given how expensive vehicle damages can be. A full-coverage policy in Syracuse costs $344 per month, on average.
Here are some of the cheapest companies selling full-coverage policies in Syracuse.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| CSAA | $124 |
| Safeco | $124 |
| Liberty Mutual | $200 |
| Progressive | $253 |
| Erie | $341 |
| USAA | $355 |
| Bristol West | $381 |
Disclaimer: Table data sourced from real-time quotes from Insurify'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.
Cheapest recent rates near Syracuse, New York
Recent Syracuse, New York car insurance prices for Chevrolet, Mazda , and more.
*Quotes generated for Insurify users in and around Syracuse, New York within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Syracuse, New York within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in New York
Drivers in New York must have liability car insurance and be able to show proof of it to maintain an active registration. New York is a no-fault state for car insurance, meaning insurance companies will cover drivers regardless of who caused an accident.
Here are the minimum-coverage requirements for drivers in the state of New York.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person ($50,000 for death of one person) / $50,000 per accident ($100,000 for death of two or more people) |
| Property damage liability | $10,000 per accident |
| Personal injury protection | $50,000 per accident |
| Uninsured motorist coverage | Equal to amounts of liability coverage |
In addition to the mandatory coverages, drivers should consider adding additional protection. Some other insurance coverages drivers should consider carrying include:
Collision coverage
Collision insurance covers damage to your vehicle after a collision with another vehicle or object.
Comprehensive coverage
Comprehensive insurance pays for damages from non-collision events, such as vandalism, theft, and severe weather.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for repairs and medical bills if you get into an accident with a driver who doesn’t have enough or any insurance.
Roadside assistance coverage
Roadside assistance coverage pays for towing your vehicle to a garage if it breaks down.
Cheapest car insurance for drivers with an incident
An incident is any event that results in a driver needing to file a claim. The most common incidents include speeding tickets, at-fault accidents, DUIs, and other moving violations. Incidents almost always increase car insurance rates because they indicate to insurance companies that you’re more risky to insure than a driver without any incidents.[3]
On average, Syracuse drivers with a past incident pay $158 per month for liability coverage and $344 for full-coverage insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| CSAA | $81 | $95 | $103 | $109 |
| Safeco | $111 | $130 | $135 | $155 |
| Liberty Mutual | $135 | $169 | $177 | $204 |
| Progressive | $171 | $195 | $211 | $259 |
| Erie | $230 | $272 | $289 | $348 |
| USAA | $240 | $276 | $294 | $363 |
| Bristol West | $334 | $387 | $409 | $506 |
Disclaimer: Table data sourced from real-time quotes from Insurify'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.
Average cost of car insurance by age
Age affects your car insurance rates quite a bit. Young drivers and teens typically have the highest car insurance rates because they have little to no experience driving, making them more likely to get into an accident. Once drivers hit 35, they tend to see rates decrease as they have more experience behind the wheel.
But by age 70, senior drivers often see rates increase again due to insurers’ concerns about age-related risks. The table below shows how rates vary by age in Syracuse.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $199 |
| 20s | $180 |
| 30s | $162 |
| 40s | $158 |
| 50s | $144 |
| 60s | $128 |
| 70s | $120 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Syracuse car insurance quotes by credit tier
New York allows car insurance companies to consider your credit-based insurance score when setting your rate. Drivers with excellent credit pay the cheapest car insurance rates, while drivers with poor credit typically pay the highest rates, all else being equal.
The table below shows how much credit scores can increase if you have poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Syracuse car insurance FAQs
Before you start shopping around for car insurance, you should determine how much auto coverage you need. The following information can help answer your remaining questions about car insurance in Syracuse.
How much is car insurance in Syracuse?
The average cost of car insurance in Syracuse is $142 per month for liability coverage and $344 for full-coverage insurance. How much you pay for car insurance ultimately depends on your driving record, age, credit history, and more.
Which company has the cheapest car insurance in Syracuse?
With a liability insurance rate of $81 per month, CSAA is the cheapest car insurance company in Syracuse.
Safeco and Liberty Mutual also have affordable liability coverage, with respective rates of $111 and $135 per month. The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Syracuse?
With an Insurify Quality (IQ) Score of 7.6 out of 5 and an AM Best financial strength rating of A (Excellent), CSAA is one of the best car insurance companies in Syracuse. On average, drivers in the state of New York with coverage from CSAA pay $119 per month for liability coverage and $179 for full-coverage insurance.
Other top insurance companies in Syracuse include Safeco and Liberty Mutual.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in New York
Sources
- Federal Bureau of Investigation. "NEW YORK Offenses Known to Law Enforcement."
- New York State Department of Financial Services. "Shopping for Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, 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.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
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