Best Auto Insurance Rates in Syracuse, New York

On average your neighbors pay $103 a month.

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Syracuse is known as the crossroads of New York State. Which makes sense, as Interstate 90 and Interstate 81, intersect here. As a result, the city sees a lot of traffic both coming and going.

If you call Syracuse home, you may not be able to save time in traffic, but you will be able to find affordable car insurance rates.

Average Syracuse Car Insurance Rates

How much is car insurance in Syracuse, NY? Residents shouldn't be surprised to learn car insurance costs more here than it does in many other parts of the US. Average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.

Prices vary depending on zip code, so you may pay less.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
Total Cost Per Year $1,234.84
Price Per Month $102.90
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Syracuse, New York and save up to 40% on your premium.

Last year, 3,363 people used QuoteWizard to compare car insurance quotes in Syracuse, NY from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Syracuse, NY

Here is our list of the most common car insurance companies reported by QuoteWizard users living in Syracuse, New York last year. Of those 3,363 users, 184 were uninsured.

Other popular Syracuse, New York car insurance companies: 21st Century, USAA, AIG, Hartford, Safeco, Country Financial, Erie, and Amica.

Top 10 Vehicles

These are the most common car makes and models owned by Syracuse, NY drivers requesting quotes through QuoteWizard last year.

  1. Jeep Grand Cherokee Laredo
  2. Chevrolet Impala/LS/LT
  3. Chevrolet Malibu/LS
  4. Ford F150
  5. Dodge Caravan/SE
  6. Hyundai Sonata GLS
  7. Ford Taurus SE
  8. Honda Accord EX/LX
  9. Chevrolet C1500 Silverado
  10. Chevrolet Equinox

Minimum Car Insurance Requirements in Syracuse, NY

Syracuse, New York has a minimum coverage requirement known as the 25/50/10 rule, which means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your provider will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

Syracuse Drivers

Allstate Insurance recently published a report ranking cities by how safe their drivers are or are not. Syracuse drivers ranked 151st of 200 cities. While most US drivers go ten years between accidents, drivers here are involved in car accidents every 7.6 years.

Driving Conditions

Some of the factors that influence insurance rates are local driving, road conditions, and even the weather.


Summers in Syracuse are particularly wonderful. As many as 163 days a year offer at least partial sunshine. It rains quite a bit too. Residents see around 171 days with some amount of precipitation annually. Snow also is common, with 100 inches or eight feet of it falling in a typical winter.

Road Conditions

According to a recent study by TRIP, 53% of the major roads in and around Syracuse are in poor or mediocre condition. Another 17% are in fair condition. These poorly maintained streets cost drivers $547 a year in extra vehicle operating costs.

The City of Syracuse filled around 3,260 potholes in April 2016. Potholes are one of the major contributors to extra vehicle costs. If you would like to report a pothole in your area or request service, visit SYRCityline.

Traffic Congestion

According to traffic data provider Inrix, Syracuse commuters spent 9,443 hours stuck in traffic last year. Commuters not only wasted time due to this congestion, but they also spent around $530 because of it.

Moving Violations

Some of the moving violations that will give you a bad driving record and force you to buy high risk insurance:

  • Speeding tickets
  • Running red lights
  • Accidents
  • Drunk driving

Traffic Tickets

The State of New York DMV website:

  • Allows you to pay non-criminal traffic citations
  • Tells drivers how to request a hearing to contest a ticket
  • Provides helpful traffic court information

The Syracuse Police Department issued 21,871 traffic tickets in 2016.

DWI Crash Statistics

Onondaga County reported 40 car accidents involving alcohol in 2014. That’s nearly identical to the number of similar accidents reported in 2013.

SR-22 DWI Insurance

A DWI conviction will require you to obtain an SR-22 form. To get the lowest rate for the most expensive type of coverage, get a quote and compare rates from top companies that specialize in Syracuse DWI insurance.

Car Accident Statistics

The Syracuse Police Department noted 6,630 motor vehicle accidents in 2016. That’s a small increase from the 6,347 accidents recorded in 2015.

Traffic Fatalities

Six people in Syracuse died due to car accidents in 2016.

All traffic deaths are a tragic loss, and considering Syracuse's estimated population of 143,378 this is a safe city in terms of traffic fatalities per capita.

Vehicle Theft

Syracuse reported 386 motor vehicle thefts in 2016. That’s a rate of 2.26 per 1,000 residents. This is very similar to national average of 2.20 per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are a great way to lower your rates. Below are some of the many auto insurance discounts available to drivers in Syracuse, NY.

  1. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  2. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  3. Maintain at least a B grade point average in school to qualify for the good student discount
  4. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  5. Keep your driving record clean with no tickets or accidents and you might qualify for the accident free or safe driver discount
  6. Take a defensive driving course from an accredited driving school

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