Cheapest Auto Insurance in Syracuse, New York (2025)

The average cost of liability car insurance in Syracuse is $148 per month. This is cheaper than New York state’s average rate of $182 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.

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.

Best insurer for cheap rates: CSAA

Best insurer for classic cars: Safeco

Best insurer for discounts: Liberty Mutual

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.

Cheapest liability-only car insurance in Syracuse: Liberty Mutual

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 $148 per month. The table below highlights some companies offering the cheapest liability policies in Syracuse.

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 $176 per month, on average.

Here are some of the cheapest companies selling full-coverage policies in Syracuse.

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

In addition to the mandatory coverages, drivers should consider adding additional protection. Some other insurance coverages drivers should consider carrying include:

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 $185 per month for liability coverage and $176 for full-coverage insurance.

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.

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.