Cheapest and Best Car Insurance Companies in Syracuse, NY

Kemper is the most affordable insurer for both former and current military members. Progressive and Kemper offer the cheapest rates for drivers with offenses. Kemper is the most cost-effective option for teens on a family policy and offers the least expensive full and minimum coverage policies. MoneyGeek has determined that Erie is the top overall car insurance provider. The best insurer for you depends on your preferences and needs.

Most affordable and top-quality auto insurance in Syracuse.

2023.

Cheapest and Best Car Insurance in Syracuse, NY

– Kemper.

– Kemper.

Best Car Insurance in Syracuse: Summary

MoneyGeek’s scoring system assesses the cost-effectiveness, level of customer contentment, and financial reliability to identify the top-rated car insurance companies in Syracuse. The specific criteria for affordability, quality of service, extent of coverage, and other aspects are contingent upon the type of car insurance.

According to our research, the top auto insurance companies in the city are:

Top choice: Erie (MoneyGeek rating of 81 out of 100).

Top in terms of service quality: Chubb (MoneyGeek rating of 76 out of 100).

Top affordable choice: Erie (MoneyGeek rating of 81 out of 100).

Based on how we evaluate the factors in each category, the overall score of a company can change. For military members in Syracuse, finding the best insurance from USAA can be influenced by location ratings. In contrast, State Farm is considered the best car insurance in Syracuse, New York, as opposed to Erie.

Average Annual Auto Insurance Rates

Click on the category of the wheel within your budget to view choices.

Click on an insurance company below to visit their review page or proceed to your customized quote.

Company Average Yearly Rates.

Best Cheap Car Insurance in Syracuse

According to MoneyGeek’s analysis of affordability and service quality, the subsequent companies provide the most excellent minimum coverage insurance in Syracuse:.

Erie: MoneyGeek rating of 81 out of 100 ($706 annually).

American Household: MoneyGeek rating of 78 out of 100 ($751 annually).

In Syracuse, opting for minimum coverage policies may provide the most cost-effective choice, however, they do not provide coverage for your vehicle in the event of an accident and only offer restricted liability protection.

How was this MoneyGeek rating determined?

pros

A budget-friendly basic coverage plan has a price tag of $706 annually.

Excellent customer service rating.

Average rating for managing claims.

Daytime running lights markdown.

cons

COMPANY HIGHLIGHTS

Erie Insurance, the best car insurance company in Syracuse, offers various opportunities for savings, including discounts for bundling auto and home insurance policies, as well as multi-car and safe driving discounts. They also provide top-notch claims management and customer service.

Unmarried drivers under 21, who reside with their parents and possess clean driving records, can also avail themselves of discounts. Erie, the insurance company, offers discounts to senior citizens and retired individuals, making it a popular choice among older drivers in the area. Additionally, Erie provides discounts to policyholders who pay their premiums in full and have daytime running lights installed by the manufacturer.

Erie also offers rarer discounts, such as discounts for completing a defensive driving course or having daytime running lights and anti-lock brakes. It also provides a discount for etching your car’s VIN number on the window, like honing devices.

Check out MoneyGeek’s review of Erie Auto Insurance.

Cheapest Minimum Liability Car Insurance in Syracuse

The most budget-friendly auto insurance companies for a basic coverage policy in Syracuse are:.

Kemper: $315 annually.

Erie: $376 annually.

Erie surpassed it in terms of customer satisfaction, while Kemper achieved the highest score in terms of affordability. As of October 2022, Kemper provides the most economical car insurance for minimum coverage in the city.

The difference in location can impact insurance costs, as illustrated by how Syracuse has a higher average annual premium of $518 compared to New York. Additionally, Kemper is the cheapest car insurance company in New York.

Company	Annual Premium	Monthly Premium
Kemper	$315	$26
Kemper	$321	$27
Kemper	$349	$29
Erie	$360	$30
Erie	$376	$31
Progressive	$382	$32
Progressive	$392	$33
Progressive	$429	$36
American Family	$448	$37
GEICO	$452	$38
Erie	$470	$39
Kemper	$478	$40
GEICO	$482	$40
American Family	$485	$40
GEICO	$486	$40
Kemper	$496	$41
State Farm	$522	$44
American Family	$529	$44
State Farm	$581	$48
Kemper	$618	$52
Progressive	$624	$52
Progressive	$628	$52
State Farm	$643	$54
Erie	$677	$56
Allstate	$689	$57
Chubb	$698	$58
Allstate	$703	$59
Erie	$706	$59
Progressive	$734	$61
American Family	$751	$63
Allstate	$764	$64
Chubb	$804	$67
American Family	$816	$68
Erie	$883	$74
State Farm	$926	$77
American Family	$959	$80
GEICO	$983	$82
GEICO	$1,032	$86
State Farm	$1,034	$86
Chubb	$1,040	$87
GEICO	$1,059	$88
Allstate	$1,102	$92
Allstate	$1,150	$96
State Farm	$1,180	$98
Travelers	$1,181	$98
Allstate	$1,195	$100
Travelers	$1,204	$100
Travelers	$1,213	$101
Chubb	$1,408	$117
Mercury	$1,503	$125
Mercury	$1,524	$127
Chubb	$1,646	$137
Hanover	$1,657	$138
Mercury	$1,681	$140
Travelers	$1,814	$151
Travelers	$1,861	$155
Travelers	$1,928	$161
Hanover	$2,049	$171
Chubb	$2,131	$178
Hanover	$2,284	$190
Mercury	$2,853	$238
Hanover	$2,902	$242
Mercury	$3,127	$261
Mercury	$3,182	$265
Hanover	$3,328	$277
Hanover	$3,789	$316

The quantities are as stated: Car insurance policies in New York must adhere to the state’s compulsory limits for bodily injury and property damage liability.

$25,000 per person for bodily injury liability.

$50,000 per accident for bodily injury liability.

$50,000 responsibility for fatality per individual.

$100,000 coverage for fatality per incident.

$10,000 liability for damages to property per accident.

$25,000 coverage for bodily injury caused by an uninsured motorist per individual.

$50,000 coverage for bodily injury caused by an uninsured motorist per accident.

$50,000 coverage for personal injuries.

In the event of an accident, the minimum coverage for damages in New York is $50,000, with up to $100,000 provided per injured person. For instance, if someone causes harm or injury to another individual, the liability coverage of their insurance policy ensures financial security.

Cheapest Car Insurance in Syracuse for Military Drivers

The most affordable car insurance providers for current or former military personnel and their families in Syracuse are:.

Kemper: $496 annually.

Progressive: $628 annually.

USAA is a well-regarded insurance provider that specializes in serving military personnel, both former and active, with an average rate of $782 per year. The annual premiums for Erie and Kemper, the most inexpensive insurance providers for minimum coverage, are respectively $376 and $315.

Company	Annual Premium	Monthly Premium
Kemper	$315	$26
Kemper	$321	$27
Kemper	$349	$29
Erie	$360	$30
Erie	$376	$31
Progressive	$382	$32
Progressive	$392	$33
USAA	$423	$35
Progressive	$429	$36
USAA	$443	$37
American Family	$448	$37
GEICO	$452	$38
Erie	$470	$39
Kemper	$478	$40
GEICO	$482	$40
American Family	$485	$40
GEICO	$486	$40
Kemper	$496	$41
USAA	$515	$43
State Farm	$522	$44
American Family	$529	$44
State Farm	$581	$48
Kemper	$618	$52
Progressive	$624	$52
Progressive	$628	$52
State Farm	$643	$54
Erie	$677	$56
Allstate	$689	$57
Chubb	$698	$58
Allstate	$703	$59
Erie	$706	$59
Progressive	$734	$61
American Family	$751	$63
Allstate	$764	$64
USAA	$781	$65
USAA	$782	$65
Chubb	$804	$67
American Family	$816	$68
Erie	$883	$74
State Farm	$926	$77
American Family	$959	$80
USAA	$970	$81
GEICO	$983	$82
GEICO	$1,032	$86
State Farm	$1,034	$86
Chubb	$1,040	$87
GEICO	$1,059	$88
Allstate	$1,102	$92
Allstate	$1,150	$96
State Farm	$1,180	$98
Travelers	$1,181	$98
Allstate	$1,195	$100
Travelers	$1,204	$100
Travelers	$1,213	$101
Chubb	$1,408	$117
Mercury	$1,503	$125
Mercury	$1,524	$127
Chubb	$1,646	$137
Hanover	$1,657	$138
Mercury	$1,681	$140
Travelers	$1,814	$151
Travelers	$1,861	$155
Travelers	$1,928	$161
Hanover	$2,049	$171
Chubb	$2,131	$178
Hanover	$2,284	$190
Mercury	$2,853	$238
Hanover	$2,902	$242
Mercury	$3,127	$261
Mercury	$3,182	$265
Hanover	$3,328	$277
Hanover	$3,789	$316

Best Car Insurance in Syracuse for Customer Service

The top companies for customer support in Syracuse, regardless of price, are:.

Chubb: MoneyGeek rating of 76 out of 100 ($1,646 annually).

Erie: MoneyGeek rating of 70 out of 100 ($706 annually).

Erie surpasses Chubb in terms of affordability. Erie takes the lead in terms of customer service, as it provides good customer support and promptly handles policyholders’ claims. On the other hand, Chubb excels in other areas, such as claims management and customer satisfaction.

Insurance companies that prioritize staff training and allocate additional resources for enhanced customer service may levy higher premiums. Although this may lead to increased costs for policyholders, prioritizing customer service is advantageous.

How was this MoneyGeek rating determined?

pros

Excellent customer service and ratings for managing claims.

Reimbursement for renting a car or traveling.

Coverage provided by the original equipment manufacturer (OEM).

cons

COMPANY HIGHLIGHTS

Chubb is a leading car insurance provider in Syracuse. The company is renowned for its outstanding customer service. It has built a strong reputation for its prompt claims handling and personalized attention to customers.

If your vehicle needs repairs after an accident, Chubb’s ensures the safety of your vehicle’s systems by using original equipment manufacturer (OEM) parts. They provide coverage for up to $5,000 with no per-day limit, allowing you to rent a similar car if your car is not usable. This add-on reimbursement for travel car/travel rental offered by the insurer is especially helpful in case your car is not available.

The policy allows policyholders to agree on the value of their vehicle when written, potentially saving them thousands of dollars in case of loss. It covers classic cars, antique cars, and also offers optional coverage for diminished value. This coverage is especially useful for hobbyists who own limited production models or older vehicles that are at least 30 years old and part of a larger collection. Chubb insurance provides this coverage.

Cheapest Full Coverage Car Insurance in Syracuse

The most affordable auto insurance providers for a comprehensive coverage plan in Syracuse, New York, are.

Kemper: $496 annually.

Progressive: $628 annually.

Comparing rates from multiple providers is essential, as car insurance companies can vary significantly in different locations. Even the area where you live can have a significant impact on your car insurance rates. In Syracuse, New York, the annual premium cost for full coverage policy in October 2022 is as high as $882. Kemper is not only the cheapest auto insurance provider in Syracuse, but it also offers full policy coverage.

Company	Annual Premium	Monthly Premium
Kemper	$315	$26
Kemper	$321	$27
Kemper	$349	$29
Erie	$360	$30
Erie	$376	$31
Progressive	$382	$32
Progressive	$392	$33
Progressive	$429	$36
American Family	$448	$37
GEICO	$452	$38
Erie	$470	$39
Kemper	$478	$40
GEICO	$482	$40
American Family	$485	$40
GEICO	$486	$40
Kemper	$496	$41
State Farm	$522	$44
American Family	$529	$44
State Farm	$581	$48
Kemper	$618	$52
Progressive	$624	$52
Progressive	$628	$52
State Farm	$643	$54
Erie	$677	$56
Allstate	$689	$57
Chubb	$698	$58
Allstate	$703	$59
Erie	$706	$59
Progressive	$734	$61
American Family	$751	$63
Allstate	$764	$64
Chubb	$804	$67
American Family	$816	$68
Erie	$883	$74
State Farm	$926	$77
American Family	$959	$80
GEICO	$983	$82
GEICO	$1,032	$86
State Farm	$1,034	$86
Chubb	$1,040	$87
GEICO	$1,059	$88
Allstate	$1,102	$92
Allstate	$1,150	$96
State Farm	$1,180	$98
Travelers	$1,181	$98
Allstate	$1,195	$100
Travelers	$1,204	$100
Travelers	$1,213	$101
Chubb	$1,408	$117
Mercury	$1,503	$125
Mercury	$1,524	$127
Chubb	$1,646	$137
Hanover	$1,657	$138
Mercury	$1,681	$140
Travelers	$1,814	$151
Travelers	$1,861	$155
Travelers	$1,928	$161
Hanover	$2,049	$171
Chubb	$2,131	$178
Hanover	$2,284	$190
Mercury	$2,853	$238
Hanover	$2,902	$242
Mercury	$3,127	$261
Mercury	$3,182	$265
Hanover	$3,328	$277
Hanover	$3,789	$316

A full car insurance policy includes coverage for liability, collision, and comprehensive. It protects your vehicle and minimizes potential damages and losses.

Extensive Protection: Safeguards against non-collision harm brought about by theft, natural calamities, vandalism, and fire.

Collision Coverage: Safeguards against damages sustained during a collision with another vehicle or object.

When deciding on the appropriate coverage for your vehicle and considering your budget, it is important to consider that comprehensive policies may not be cost-effective for older, low-value vehicles, even though they offer protection.

Cheapest Car Insurance in Syracuse for Teens and Their Families

The most cost-effective car insurance companies for teenagers on a family plan in Syracuse are:.

Kemper: $862 annually for teenage girls, $891 annually for teenage boys.

GEICO: $1,314 annually for teenage girls.

Progressive: $1,623 annually for teenage boys.

The difference in car insurance premiums decreases as individuals enter early adulthood. Nevertheless, insurance companies often perceive young male drivers as more risky to insure. Insuring male teenagers amounts to $4,568, while insuring female teenagers costs $3,767, making travelers the priciest option.

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
Kemper	$488	$1,337
Kemper	$496	$1,253
Kemper	$641	$2,125
Kemper	$648	$1,893
Kemper	$667	$2,582
Kemper	$672	$1,698
Kemper	$673	$1,701
Kemper	$680	$2,254
Kemper	$688	$1,886
Kemper	$699	$3,865
GEICO	$699	$1,993
Kemper	$719	$2,383
Kemper	$721	$1,978
Kemper	$723	$2,679
Progressive	$725	$3,057
Progressive	$743	$3,231
Kemper	$755	$4,766
Kemper	$768	$2,974
Kemper	$774	$3,438
GEICO	$776	$2,212
GEICO	$784	$2,234
GEICO	$792	$2,588
Progressive	$799	$3,372
Progressive	$827	$3,596
Progressive	$831	$3,977
GEICO	$845	$2,588
Kemper	$849	$4,696
Progressive	$859	$3,625
Kemper	$862	$5,735
Progressive	$869	$4,362
GEICO	$869	$2,103
Kemper	$883	$5,576
Kemper	$891	$6,532
Progressive	$902	$3,923
State Farm	$959	$1,973
Progressive	$1,006	$4,188
GEICO	$1,037	$2,509
GEICO	$1,037	$2,509
GEICO	$1,048	$3,752
GEICO	$1,066	$3,202
GEICO	$1,068	$4,923
GEICO	$1,075	$3,290
State Farm	$1,117	$2,299
Progressive	$1,120	$4,835
State Farm	$1,128	$2,609
GEICO	$1,148	$3,535
State Farm	$1,167	$2,402
GEICO	$1,256	$5,786
Progressive	$1,285	$8,447
GEICO	$1,314	$7,446
Progressive	$1,331	$5,539
Progressive	$1,352	$7,163
Allstate	$1,384	$2,389
GEICO	$1,391	$8,481
GEICO	$1,397	$4,300
Progressive	$1,407	$9,263
Allstate	$1,416	$1,845
Progressive	$1,456	$7,706
Progressive	$1,459	$10,216
State Farm	$1,460	$2,028
Progressive	$1,464	$6,318
Allstate	$1,475	$1,922
GEICO	$1,500	$6,016
Allstate	$1,535	$4,844
Progressive	$1,538	$10,113
Allstate	$1,544	$1,779
Allstate	$1,567	$2,549
Allstate	$1,573	$2,335
Allstate	$1,611	$2,100
Progressive	$1,623	$11,455
Allstate	$1,666	$1,919
GEICO	$1,680	$10,249
Progressive	$1,722	$11,343
Allstate	$1,724	$3,551
Allstate	$1,730	$2,986
Travelers	$1,733	$3,034
GEICO	$1,746	$13,213
Allstate	$1,753	$2,286
Travelers	$1,779	$3,115
State Farm	$1,795	$2,818
Travelers	$1,806	$3,310
Allstate	$1,816	$2,092
Travelers	$1,819	$3,072
Travelers	$1,822	$3,190
Allstate	$1,832	$5,173
Travelers	$1,871	$3,159
State Farm	$1,902	$3,019
State Farm	$1,922	$2,670
Travelers	$1,941	$3,558
Allstate	$1,965	$3,644
Travelers	$1,967	$3,321
Travelers	$2,029	$3,513
Allstate	$2,050	$6,470
State Farm	$2,051	$2,849
State Farm	$2,066	$3,621
Allstate	$2,087	$3,395
State Farm	$2,097	$3,293
Allstate	$2,118	$8,741
State Farm	$2,143	$3,132
Travelers	$2,254	$3,853
Travelers	$2,259	$3,911
Travelers	$2,280	$4,418
Allstate	$2,331	$7,774
Allstate	$2,407	$6,793
Travelers	$2,563	$4,381
Travelers	$2,591	$5,051
State Farm	$2,658	$4,354
State Farm	$2,851	$4,166
State Farm	$2,866	$4,587
Travelers	$3,060	$5,852
State Farm	$3,085	$5,280
State Farm	$3,090	$4,945
State Farm	$3,453	$6,005
Travelers	$3,582	$6,849
Travelers	$3,608	$6,869
State Farm	$3,620	$6,295
State Farm	$3,735	$7,187
Travelers	$3,767	$8,911
Travelers	$4,319	$8,223
Travelers	$4,568	$11,003

When looking for affordable car insurance for teens, it is important to consider all the factors and options that can affect insurance premiums. For example, in Syracuse, you can save up to $3,358 annually by adding a teen to your family policy. Family policies usually offer better discounts and pricing for households with multiple drivers and vehicles. Adding a teenage driver to an existing family car insurance policy is often more affordable than purchasing a separate policy.

Cheapest Car Insurance in Syracuse After a Driving Offense

The most affordable auto insurance provider in Syracuse following traffic infractions is:.

Speeding citation: Kemper ($592 annually).

Fault accident: Progressive ($628 per year).

DUI: Forward-thinking ($658 per year).

For drivers with a DUI, Hanover is the most costly insurance company, charging $3,779 per year. Similarly, Mercury is the priciest insurer for drivers with speeding tickets ($3,506) and at-fault accidents ($3,063).

Insurance rates are significantly affected by an unfavorable driving record. Drivers with poor records will have higher rates compared to those with safe records, even for the cheapest car insurance company. Insurance providers often charge higher rates to drivers with poor records due to the increased risk they pose. When calculating premiums, insurance companies take into consideration a driver’s history of accidents and traffic violations.

Company	Annual Premium	Monthly Premium
Kemper	$342	$29
Kemper	$350	$29
Erie	$360	$30
Erie	$376	$31
Progressive	$382	$32
Kemper	$384	$32
Kemper	$385	$32
Kemper	$389	$32
Kemper	$390	$33
Progressive	$392	$33
Progressive	$394	$33
Kemper	$398	$33
Progressive	$401	$33
Progressive	$404	$34
Progressive	$418	$35
Progressive	$429	$36
Erie	$429	$36
Progressive	$442	$37
Progressive	$447	$37
Erie	$448	$37
Kemper	$451	$38
Kemper	$458	$38
American Family	$459	$38
Erie	$470	$39
American Family	$498	$42
American Family	$521	$43
GEICO	$522	$43
GEICO	$522	$43
American Family	$542	$45
American Family	$543	$45
GEICO	$558	$47
GEICO	$558	$47
GEICO	$562	$47
GEICO	$562	$47
Erie	$563	$47
Kemper	$569	$47
American Family	$571	$48
State Farm	$579	$48
State Farm	$579	$48
State Farm	$579	$48
Kemper	$592	$49
Erie	$593	$49
American Family	$613	$51
Erie	$615	$51
Progressive	$624	$52
Progressive	$628	$52
American Family	$631	$53
Kemper	$638	$53
Kemper	$641	$53
State Farm	$644	$54
State Farm	$644	$54
State Farm	$644	$54
Progressive	$644	$54
American Family	$644	$54
Progressive	$647	$54
Progressive	$658	$55
Kemper	$661	$55
Progressive	$663	$55
Kemper	$667	$56
Erie	$677	$56
Allstate	$689	$57
Allstate	$703	$59
Erie	$706	$59
State Farm	$713	$59
State Farm	$713	$59
State Farm	$713	$59
Progressive	$734	$61
Chubb	$734	$61
Kemper	$746	$62
Progressive	$754	$63
Allstate	$764	$64
Progressive	$764	$64
Chubb	$775	$65
American Family	$778	$65
Erie	$779	$65
Allstate	$795	$66
Allstate	$807	$67
Kemper	$835	$70
Erie	$840	$70
Kemper	$844	$70
American Family	$845	$70
Chubb	$847	$71
Erie	$874	$73
Allstate	$876	$73
Erie	$883	$74
Allstate	$885	$74
Allstate	$888	$74
Chubb	$898	$75
American Family	$907	$76
American Family	$949	$79
Allstate	$983	$82
American Family	$994	$83
American Family	$996	$83
State Farm	$1,018	$85
State Farm	$1,018	$85
State Farm	$1,018	$85
American Family	$1,082	$90
Erie	$1,101	$92
Allstate	$1,102	$92
Chubb	$1,103	$92
Erie	$1,120	$93
State Farm	$1,137	$95
State Farm	$1,137	$95
State Farm	$1,137	$95
GEICO	$1,139	$95
GEICO	$1,139	$95
Allstate	$1,150	$96
Erie	$1,164	$97
Chubb	$1,177	$98
American Family	$1,186	$99
Allstate	$1,195	$100
GEICO	$1,196	$100
GEICO	$1,196	$100
American Family	$1,213	$101
GEICO	$1,227	$102
GEICO	$1,227	$102
State Farm	$1,299	$108
State Farm	$1,299	$108
State Farm	$1,299	$108
Travelers	$1,300	$108
Allstate	$1,326	$111
Travelers	$1,334	$111
Travelers	$1,342	$112
Travelers	$1,362	$114
Travelers	$1,367	$114
GEICO	$1,367	$114
Allstate	$1,394	$116
Travelers	$1,397	$116
Travelers	$1,401	$117
GEICO	$1,408	$117
Travelers	$1,408	$117
Travelers	$1,413	$118
Chubb	$1,430	$119
Allstate	$1,459	$122
Erie	$1,474	$123
GEICO	$1,485	$124
Chubb	$1,489	$124
Allstate	$1,498	$125
Allstate	$1,581	$132
Chubb	$1,581	$132
Mercury	$1,634	$136
Hanover	$1,657	$138
Hanover	$1,657	$138
Allstate	$1,661	$138
Mercury	$1,665	$139
Chubb	$1,715	$143
Chubb	$1,744	$145
Mercury	$1,837	$153
Mercury	$1,838	$153
Chubb	$1,857	$155
Mercury	$1,861	$155
Mercury	$1,958	$163
Mercury	$1,985	$165
Travelers	$2,033	$169
Hanover	$2,049	$171
Hanover	$2,049	$171
Mercury	$2,095	$175
Travelers	$2,096	$175
Travelers	$2,146	$179
Travelers	$2,166	$180
Travelers	$2,171	$181
Hanover	$2,178	$182
Travelers	$2,215	$185
Mercury	$2,235	$186
Travelers	$2,237	$186
Chubb	$2,270	$189
Hanover	$2,284	$190
Hanover	$2,284	$190
Travelers	$2,297	$191
Travelers	$2,319	$193
Chubb	$2,337	$195
Chubb	$2,430	$203
Hanover	$2,711	$226
GEICO	$2,847	$237
Hanover	$2,902	$242
Hanover	$2,902	$242
GEICO	$2,911	$243
Chubb	$3,026	$252
Mercury	$3,063	$255
Hanover	$3,066	$256
GEICO	$3,099	$258
Hanover	$3,328	$277
Hanover	$3,328	$277
Mercury	$3,357	$280
Mercury	$3,429	$286
Mercury	$3,506	$292
Chubb	$3,651	$304
Mercury	$3,677	$306
Hanover	$3,779	$315
Hanover	$3,789	$316
Hanover	$3,789	$316
Mercury	$3,849	$321
Mercury	$3,994	$333
Mercury	$4,030	$336
Mercury	$4,194	$350
Hanover	$4,364	$364
Chubb	$4,937	$411
Hanover	$5,049	$421

Raising the rates leads to more severe violations. Car insurance rates increase for drivers with at-fault accidents, DUIs, and speeding citations. For instance, after receiving a speeding ticket, rates in Syracuse can increase by an average of $185. However, a DUI can add $714 to your rate. It is crucial for drivers with unfavorable driving records and based on location to seek cost-effective coverage that still provides adequate protection, as insurance rates can vary.

Best Overall Car Insurance in Syracuse

The top auto insurance companies in Syracuse are:.

Erie: MoneyGeek rating of 81 out of 100 ($706 annually).

American Household: MoneyGeek rating of 77 out of 100 ($751 annually).

Erie ranked first on the list as the overall best car insurance in Syracuse. It scored well in customer satisfaction, experience claims, and affordability. However, American Family has a higher coverage rating.

It is crucial to select a car insurance policy that provides a satisfactory customer experience and ensures sufficient protection in case of a collision.

How was this MoneyGeek rating determined?

pros

Excellent customer satisfaction score.

Average rating of claims experience.

Enhanced automobile replacement coverage.

cons

COMPANY HIGHLIGHTS

Erie is Syracuse’s overall best car insurance provider, offering comprehensive insurance for drivers who are seeking exceptional value. Erie is popular for its competitive rates, solid coverage options, and high customer satisfaction, making it an affordable and reliable choice.

If your vehicle is declared a total loss, gap insurance will cover the remaining balance on your car loan or lease. The company will replace vehicles that are over two years old with a model that is two years newer than the damaged one. Additionally, the company offers a comprehensive car replacement coverage that provides policyholders with a brand new vehicle if the totaled vehicle is under two years old.

Erie also provides coverage for glass repairs, which waives the deductible for glass modifications. If your pet is injured while riding in your car, Erie pays up to $500 for pet coverage. Erie also offers insurance for locked vehicles and personal property.

Check out MoneyGeek’s review of Erie Auto Insurance.

How to Compare Cheap Syracuse Car Insurance Quotes Online

Instead, MoneyGeek’s car insurance calculator can quickly provide a rough estimate. Comparing online car insurance quotes in Syracuse can be time-consuming and require entering personal information. Instead, MoneyGeek’s car insurance calculator can quickly provide a rough estimate based on your driving record, coverage level, and vehicle type. Comparing online car insurance quotes in Syracuse can be time-consuming and require entering personal information.

Auto Insurance Calculator

Observe the fluctuations in Average Yearly Car Insurance Premiums based on the selected choices.

Average Cost of Car Insurance in Syracuse

As of October 2022, the mean expense of car insurance in Syracuse for comprehensive coverage stands at $1,268 annually. This comprises of $100,000 in individual bodily injury liability, $300,000 in bodily injury liability per collision, and $100,000 in property damage liability per collision.

When computing insurance premiums, automobile insurance companies take into account various factors, such as the driver’s geographical area. The cost in Syracuse aligns with the national mean car insurance premium, which amounts to $1,265 per year. The typical expense for comprehensive coverage in New York exceeds the city’s average automobile insurance cost by $760.

About Mark Fitzpatrick.

Mark Fitzpatrick, a senior content director at MoneyGeek with over five years of experience, has been quoted in various publications, including Mashable and NBC News, CNBC, on insurance topics. He is able to create personalized content and conduct original research, analyzing the insurance market for every individual buyer.

Mark, who earned a bachelor’s degree from Boston College and a master’s degree in International Relations and Economics from Johns Hopkins University, is passionate about using his knowledge in insurance and economics to bring transparency and help others feel confident in their financial moves.