Best cheap car insurance in Syracuse for 2021

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The North Syracuse Police Department increased their presence on the road, increasing the number of traffic tickets written to 1,328 tickets in 2019. As a result, crashes and injuries in Syracuse have significantly dropped. Although your chances of getting into an accident are lower than before, having the best car insurance in Syracuse will provide you with financial protection in case you do end up in an accident.

The average cost of car insurance in Syracuse is $804 per year for minimum insurance and $1,735 per year for full. Rates are significantly lower than the rest of New York. The average cost of full coverage in the state is $2,321 per year. However, you may still be able to save further if you know which discounts are more effective and what carriers are the cheapest.

Best car insurance companies in Syracuse

Finding the best carrier takes time. It is important to do research about how the company pays out claims, how financially stable they are and what limitations policyholders may face. The process can be overwhelming. We did some of the work for you by narrowing down the long list of car insurance companies to a handful that we have designated as the best car insurance companies in Syracuse. The top four carriers have high customer satisfaction ratings, low annual premiums and a variety of coverage options that can adapt to your needs.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Main Street America Group NR $259 $666
Progressive 825 / 1000 $528 $884
Erie NR $563 $1,187
Geico 837 / 1000 $594 $1,579

Main Street America Group

Main Street America has the cheapest car insurance in Syracuse. The carrier offers policyholders a number of discounts that keep rates low. They include discounts for safe driving, new customers, mature drivers over 65, automated or early payments, student drivers and discounts for policyholders willing to take safety and defensive driver courses. Besides the discounts, there are plenty of add-ons that you can use to customize your coverage. You can opt for diminishing deductibles, new vehicle replacement, accident forgiveness, full glass replacement, original equipment replacement and more.

Progressive

Over 18 million car owners have vehicle coverage through Progressive. Whether you opt for basic or full coverage, you will find everything you need, including rideshare insurance if you drive for Uber or Lyft. Progressive agents are available 24/7 if you have questions about your policy or need to file a claim. You can also visit one of the 29 local Syracuse independent agents that represent Progressive.

Erie

Erie Insurance offers customers car insurance that is packaged for maximum value. Your full car insurance premium includes a number of add-ons for free, such as glass repair, roadside service, pet coverage and locksmith service. You may be able to lower your costs by taking advantage of Erie’s discounts. If you also own your home, you can bundle home and auto insurance for a sizable discount of up to 25% off.

Geico

Geico makes the list of best car insurance companies for many locations across the country because it delivers affordable car insurance premiums and high customer satisfaction. The carrier has a long list of discounts available that help you lower your rate. Some of the discounts are military, emergency deployment, anti-theft system, new vehicle, affiliation/employee and more.

Cheapest car insurance in Syracuse

As mentioned, car insurance rates in Syracuse are lower than the New York average. Some carriers are considerably cheaper, which could make a big difference if you are on a tight budget. The five national cheapest car insurance companies in Syracuse are:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Progressive $528 $884
Erie $563 $1,187
Geico $594 $1,579
USAA $696 $1,555
State Farm $926 $1,834

Progressive and Geico are similar competitors with a long-standing reputation for good customer service, an easy claims process and a robust online presence and mobile app. To customize your coverage, Erie and State Farm have a number of add-ons many other insurance companies do not offer. USAA is a solid choice for car insurance but is only available to military personnel and family.

Syracuse insurance requirements

New York law requires all car owners in the state to have a minimum of liability insurance. However, the guidelines are only for a minimum amount of coverage. You may want to increase the amounts or upgrade to full car insurance to include coverage for your own vehicle. Otherwise, you would have to pay the difference out of pocket. New York’s requirements are:

  • $25,000 for bodily injury/$50,000 for death per person
  • $50,000 for bodily injury/$100,000 for death per accident
  • $10,000 for property damage per accident

Car insurance discounts in Syracuse

Do not miss out on the car insurance discounts that you may be able to take advantage of to help lower your premiums. Some worth considering are:

  • New customer: You may earn a discount for switching carriers.
  • Bundling: Buying home or renters coverage with car insurance from the same company could earn you a discount across the board.
  • Driver training: Taking an approved online defensive driving course is a great way to get a potential discount on your car insurance.
  • Payment: Many carriers will offer you a discount if you prepay your premiums for six months or one year. You may also qualify for a reduction if you arrange monthly auto payments.

To get the most significant discount, start with bundling or driver training. Bundling discounts often reduce the price of all the policies you have with the carrier. Passing a defensive driver course can earn you a premium reduction long-term. Most carriers extend the savings for up to three years.

Frequently asked questions

What is the best car insurance company in Syracuse?

There are many car insurance companies available in Syracuse but the best car insurance company depends on your individual needs. You will want to consider the coverages you need as well as available discounts, customer satisfaction scores and financial stability.

How much does car insurance in Syracuse cost?

The average cost of car insurance in Syracuse is $804 per year for minimum insurance and $1,735 per year for full. Rates are well below the New York State average of $2,321 per year.

How much car insurance do I need in Syracuse?

All New York drivers must carry liability insurance with a minimum of:

  • $25,000 for bodily injury per person
  • $50,000 for death per person
  • $50,000 for bodily injury per accident
  • $100,000 for death per accident
  • $10,000 for property damage per accident

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.