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The average car insurance cost in Syracuse, New York is $1,622 per year, according to data. This is $398 less than the average auto insurance cost in New York and $60 less than the national average, as analyzed by

Average cost in SyracuseAverage cost in New YorkNational average cost

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Syracuse, the average car insurance rates by age, gender and how much is car insurance in Syracuse based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Syracuse. Read on to learn more.

Key Takeaways

  • The average car insurance cost in Syracuse, New York is $1,622 per year.
  • Progressive offers the cheapest car insurance in Syracuse, at an average of $706 per year.
  • Young adults pay $2,681 per year for car insurance in Syracuse.

Cheap car insurance companies in Syracuse

Progressive offers the cheapest car insurance in Syracuse, at an average of $706 per year with full coverage limits of 100/300/100.

The second cheapest company in Syracuse is American Family, offering car insurance rates at $967 per year.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Syracuse before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Syracuse, New York:

Company NameAverage annual costAverage monthly cost
American Family$967$81
Erie Insurance$1,095$91
State Farm$1,581$132
Kemper Insurance$2,103$175
Mercury Insurance$3,803$317

Read about the best car insurance companies.

Average car insurance cost in Syracuse by coverage limits

In Syracuse, the average car insurance rates based on coverage types are as follows:

  • State minimum coverage: $722 per year (limits are 25/50/25)
  • Liability only coverage: $782 per year (limits are 50/100/50)
  • Full coverage: $1,622 per year (limits are 100/300/100)
  • Non-owners coverage: $470 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Syracuse

The average car insurance rate for a female driver in Syracuse, New York, is $1,704 per year.

While the rate for a male driver is $1,622 per year, which is $82 less than what female drivers pay, according to a rate analysis by

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Syracuse

In Syracuse, car insurance rates are the highest for teens, at $5,060 per year or $422 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $2,681 per year for their car insurance which is $2379 less than what the teens pay for their insurance policy.

The car insurance rates in Syracuse for adult and senior drivers are $1,664 and $1,756 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Age groupAverage annual rates
Teens (16- to 19-year-olds)$5,060
Young adults (20- to 24-year-olds)$2,681
Adults (25- to 55-year-olds)$1,664
Seniors (60- to 75-year-olds)$1,756

If we look at the car insurance rates trends in Syracuse, New York, it was on an upward swing from 2016 to 2019. From 2019 to 2022, the rates decreased overall by 2%, or $29.

The table below shows the trend for three years:

2016 rates2019 rates2022 rates

Final thoughts

In conclusion, the insurance rates in Syracuse, are lower than the average insurance cost in New York. Shopping around and taking advantage of available discounts, drivers in Syracuse can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Frequently asked questions

What are the consequences of not having car insurance in Syracuse?

Not having car insurance in Syracuse, as in other parts of New York State, can have serious consequences. If you are caught driving without insurance, you could face fines. Your vehicle registration and driver’s license can also be suspended, and getting them reinstated might involve paying additional fees. 

Additionally, you’ll be personally responsible for any resulting damages or injuries if you’re involved in an accident while uninsured. 

How does the average age of drivers in Syracuse affect car insurance rates?

A driver’s age can significantly impact his or her car insurance rates. Typically, younger drivers (especially those under 25) are considered risky due to their lack of driving experience and higher accident rates. It can lead to high insurance premiums for this age group. On the other hand, middle-aged drivers often benefit from lower rates due to their experience and statistically safer driving habits.

What steps should a new resident in Syracuse take to secure car insurance?

If you’re a new resident in Syracuse, look into multiple insurance providers to compare coverage options and rates. Consider both national insurers and local companies that understand your specific requirements.

Depending on your circumstances, you might want to consider additional coverage such as collision, comprehensive, or uninsured motorist protection.


Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

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Prachi Singh
Contributing Researcher


Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.