Auto insurance in Syracuse averages $804 per year for minimum coverage and $1,735 per year for full coverage including collision and comprehensive insurance. This is below the New York state average of $974/$2,205 per year. This is not surprising as Syracuse is one of the smallest provincial cities in the empire and does not have the traffic and accidents found in big cities.
But that doesn’t mean accidents don’t happen. Car accidents are his third leading cause of injury in Onondaga County, where Syracuse is located, with nearly 2,500 emergency room visits from car accidents investigated last year.
Drivers should therefore have the best car insurance in Syracuse. When looking for the best cheap auto insurance in Syracuse, look at cost, customer service, financial stability, and various coverage and discounts.
Best car insurance in Syracuse
To help you find the best auto insurance in Syracuse, we’ve analyzed all the major insurance companies that cover insurance in the area. We collected a sample of quotes and analyzed each company’s position on the JD Power Customer Satisfaction Index. We also look at financial stability, coverage options coverage, and available discounts. The following companies deserve special mention.
|Insurance company||JD power score||Average annual premium for minimum coverage||Average Annual Premium for Comprehensive Insurance|
|strange||880 / 1,000||$563||$1,187|
|geisha||871 / 1,000||$594||$1,579|
|main street america group||N/A||$259||$666|
|district farm||881 / 1,000||$926||$1,834|
|USAA||890 / 1,000||$696||$1,555|
Quadrant Information Service, 2020
Erie performs well in JD Power ratings, demonstrating her focus on excellent customer service. The company charges an average of $563 per year for minimum coverage and $1,187 per year for full coverage. Ellie offers basic, collision, and comprehensive liability insurance with options such as pet coverage and auto glass repair. Rate-locked means that premiums cannot be increased after an accident. I also like Ellie’s Auto Plus option. This includes reduced deductibles, increased transit coverage days, and increased limits on some coverage.
Geico’s premiums are well below the average Syracuse car insurance quote, with minimum coverage of $594 per year and full coverage of $1,579 per year. The company offers more discounts than usual. For example, if you have multiple vehicle policies, you get a 25% discount on your insurance premium, 15% discount for military personnel, and 12% discount for federal employees. Geico has a reputation for treating policyholders well and processing claims quickly and efficiently.
main street america group
Main Street America, while not as well-known as some of our other picks, is affiliated with American Family Insurance and sells insurance through independent agents. The average Syracuse driver’s estimate is $259/year with minimal coverage and $666/year with comprehensive coverage, making it the cheapest auto insurance we found in Syracuse. Discounts such as senior discounts, loyalty discounts, and good student discounts can be used to further reduce the price. The company offers several ways to customize your policy, adding coverage for new vehicle replacements, accident forgiveness, and loan protection, among others.
State Farm is the largest issuer of auto insurance policies in the United States, and for good reason. He excels in customer service and has a high score on the JD Performance Rating. Their plan is the highest of our options, with a minimum annual coverage of $926 and a full coverage of $1,834 annually. However, there are some discounts that can bring the cost down to a reasonable level. Their website is the best we have seen and makes it easy to manage your account online. includes roadside assistance and shared driver coverage.
USAA is JD Power’s top choice for customer service, and the company has a reputation for efficiently and quickly servicing customer accounts. Average fees are below the Syracuse average, $696 per year for minimum coverage and $1,555 per year for full coverage. USAA’s only drawback is that it only sells insurance to military personnel, veterans, and their families. But if you belong to that demographic, the USAA should be your first port of call on the offer.
cheapest auto insurance in syracuse
The average cost of auto insurance in New York State is $974 per year for minimum coverage and $2,205 per year for full coverage. This is well above the national average of $563 a year for minimum coverage and $1,738 a year for full coverage. Syracuse averages a minimum of $804 per year and a grand total of $1,735 per year.
The following five companies have the cheapest auto insurance policies in Syracuse.
|Insurance company||Average annual premium for minimum coverage||Average Annual Premium for Comprehensive Insurance|
Four of these companies make it to the top of the «Best» list. It has a slightly lower progressive score on JD Power’s customer service list, indicating erratic customer response, but offers affordable prices for its Syracuse drivers. State Farm is the most expensive on the list, but it’s still below average, and discounts can bring the price down even further.
If you’re into the military, you should definitely have USAA on your radar.Geico and Erie also offer great coverage options at affordable prices.
Syracuse Insurance Requirements
New York’s insurance requirements are more extensive than many states. This includes the following minimum insurance amounts that you can legally drive: Often written as 25/50/10.
- $25,000 Personal Injury (BI) Liability Insurance. Covers injuries to occupants of other vehicles in an accident at fault.
- $50,000 combined liability covering all injuries (multiple persons) in other vehicles.
- $10,000 Property Liability (PD) covers damage to other vehicles and structures such as fences and posts.
- Uninsured/Uninsured Motorist (UM/UIM) coverage must be included at least as much as third party liability.
- Drivers must also carry $50.00 in «No Fault» insurance, also known as Personal Injury Protection (PIP).
If you have an auto loan or lease, you may also need to purchase Collision and Collision Damage Waiver. Many insurance experts advocate a minimum liability amount (e.g. 100/300/50) to ensure adequate coverage in the event of a serious and costly injury. Suggest buying more than
Syracuse auto insurance discounts
Discounts play an important role in determining premium rates. Here are some that are commonly provided for Syracuse drivers.
- Security features: If you have antilock brakes, airbags, or other safety features, you can get a quick discount.
- Online payment: Setting up an electronic payment account can save you money. If you agree to receive documents and mailings by email, you can also save them.
- good driver: Insurance companies are increasingly using telematics, which puts small devices in cars that can transmit data about driving techniques. If you are a safe driver, you can get a discount.
- Young driver: Many insurance companies offer various discounts for young drivers. For example, one for her teens taking a safety course at Direction, and one for students attending college more than 100 miles from her home.
- Related group discounts: Many insurance companies offer discounts for military personnel. Other colleges offer discounts to students from different colleges and universities or other groups.
Frequently Asked Questions
What is the best auto insurance?
See Business Insurance’s 2021 list of the best auto insurance companies as a starting point for your search for the best insurance. Get multiple quotes from local and national companies in your area to see which one offers the best rates. Major companies operating in the Syracuse area include Erie, Geico, Main Street America, State Farm and USAA.
How much does car insurance cost in Syracuse?
The average cost of auto insurance in Syracuse is $804 per year for the minimum required in New York and $1,735 per year for full coverage. Insurance companies take into account many factors when setting premiums, such as: B. Car make and model, credit score, and even marital status.
Business Insurance uses Quadrant Information Services to verify rates for all zip codes and carriers in all 50 states. The rates quoted in Washington DC are based on her 40-year-old driver with a clean driver’s license and good credit history. Total coverage limits for:
- $100,000 liability insurance per person
- $300,000 liability for personal injury
- $50,000 liability for accident property damage
- $100,000 per person personal injury caused by an uninsured driver
- $300,000 bodily injury to uninsured driver due to accident
- $500 Over Collision
- $500 Total Deductible
To determine the minimum coverage, Asegranzas para Negocios used the minimum coverage corresponding to each state’s requirements. The sample driver owns a 2018 Honda Accord, travels 5 days a week, and drives 12,000 miles per year.
These are sample rates and should only be used for comparison purposes. Offers may vary.