Cheapest Car Insurance In Syracuse, NY 2025

Kemper is the most affordable option in Syracuse, with an average monthly rate of $32 for minimum coverage.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 06 February 2025
Written by Bob Phillips
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In Syracuse, NY, the hunt for the cheapest car insurance shows that rates can vary quite a bit.

Kemper offers the most affordable liability-only insurance, Kemper also delivers the best full coverage rates. For young drivers, Kemper still comes in with the cheapest options.

Cheapest Car Insurance Companies In Syracuse, NY 2025

Cheapest Liability-only Car Insurance In Syracuse: Kemper

For minimum coverage car insurance in Syracuse, Kemper stands out as the cheapest, with rates around $32 a month.

Below is a table comparing car insurance rates from different providers.

Provider Average Monthly Cost Average Annual Cost
Kemper $32 $384
American Family $46 $552
GEICO $57 $684
State Farm $74 $888
Progressive $38 $456

Cheapest Full Coverage Insurance Rates In Syracuse: Kemper

Kemper stands out with the lowest full coverage car insurance rates in Syracuse, at an average of $58 per month.

Here’s a table comparing average car insurance prices from economical providers in Syracuse.

Provider Average Monthly Cost Average Annual Cost
Kemper $58 $696
American Family $86 $1,032
GEICO $119 $1,428
Erie $90 $1,080
State Farm $132 $1,584

Cheapest Auto Insurance For Young Adults in Syracuse: Kemper

Young adults in Syracuse can find the most budget-friendly car insurance from Kemper, with average premiums of $54 per month.

The following table shows a comparison of the most budget-friendly auto insurance rates for young adults in Syracuse.

Provider Average Monthly Cost Average Annual Cost
Kemper $54 $648
American Family $83 $996
GEICO $95 $1,140
Erie $88 $1,056
State Farm $117 $1,404

Cheapest Car Insurance Rates For Seniors: Progressive

With an average monthly rate of $51, Progressive has the lowest car insurance prices for seniors in Syracuse.

Here’s a table showing the average rates from the lowest-cost car insurance providers for seniors.

Provider Average Monthly Cost Average Annual Cost
Progressive $51 $612
American Family $72 864
GEICO $93 $1,116
Erie $67 $804
State Farm $92 $1,104

Cheapest Rates In Syracuse For Teenagers: GEICO

GEICO has the most cost-effective car insurance for teens in Syracuse, with monthly premiums around $116.

Here’s a table showing the insurers with the best rates for teenage drivers.

Provider Average Monthly Cost Average Annual Cost
GEICO $116 $1,392
State Farm $257 $3,084
Allstate $167 $2,004
Travelers $290 $3,480
Progressive $125 $1,500

Cheapest Car Insurance In Syracuse For Good Drivers: Kemper

Good drivers in Syracuse can find the best car insurance rates with Kemper, averaging $32 monthly.

The following table displays average quotes from the most affordable insurance companies for good drivers.

Provider Average Monthly Cost Average Annual Cost
Kemper $32 $384
American Family $46 $552
GEICO $57 $684
State Farm $74 $888
Progressive $38 $456

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Cheapest Car Insurance In Syracuse After A Speeding Ticket: Kemper

For drivers with a speeding ticket in Syracuse, Kemper offers average rates of $68 per month, making it one of the cheapest options.

The following table provides average insurance rates for drivers who have received a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
Kemper $68 $816
American Family $88 $1,056
Progressive $69 $828
GEICO $136 $1,632
Erie $113 $1,356

Cheapest Rates In Syracuse For Drivers After A DUI: Kemper

Syracuse drivers who have a DUI on their record can find the cheapest rates with Kemper, averaging $77 per month.

Use the table below to find the lowest rates for drivers with a DUI in Syracuse.

Provider Average Monthly Cost Average Annual Cost
Kemper $77 $924
American Family $104 $1,248
Progressive $78 $936
State Farm $146 $1,752
Erie $151 $1,812

Cheapest For Drivers With After At-Fault Accident: Progressive

Progressive offers the best rates for drivers with an at-fault incident, averaging $62 per month.

The table below compares the cheapest car insurance rates for drivers with an at-fault incident on their record.

Provider Average Monthly Cost Average Annual Cost
Progressive $62 $744
American Family $109 $1,308
Kemper $76 $912
GEICO $136 $1,632
Erie $90 $1,080

Average Rates In Syracuse – By Vehicle

The kind of car you own is a key factor in determining your insurance costs. Insurers look at factors like make, model, year, and body style. Newer vehicles, particularly luxury ones with advanced technology and higher replacement values, tend to have higher insurance rates.

The following table provides average rates for different vehicles in Syracuse.

Vehicle Average Monthly Rate
Cadillac XTS $70
Bmw 428 $97
Audi Q5 $242
Cadillac XTS $70
Ford Fusion $80

Average Auto Insurance Rates In Syracuse – By Age

Age is a major factor in how car insurance rates are calculated. Younger drivers usually pay more due to their inexperience and higher accident risks. Teenagers can expect to pay approximately $2,142 annually for car insurance.

Once drivers hit 25, their insurance premiums generally go down, assuming they have no traffic violations or accidents.

Drivers in their 50s and early 60s often receive the best insurance rates, with companies using age to assess risk and experience, which affects premium amounts.

Age Average Yearly Rate
Teenagers $2,142
20s $2,150
30s $1,158
40s $2,821
50s $1,089
60s $1,148
70s $3,109

Best Car Insurance Companies In Syracuse

In Syracuse, Kemper offers the lowest insurance rates at $32 per month, with Progressive at $38 and American Family at $46 per month as other good options.

The table below lists the top 10 car insurance companies in Syracuse, NY, ranked by average monthly costs.

Company Monthly Premium
Kemper $32
American Family $46
GEICO $57
State Farm $74
Progressive $38
Erie $50
Chubb $76
CSAA $102
Liberty Mutual $180
Safeco $144

Average Cost Of Auto Insurance In Syracuse – By Zip Code

Since insurers use zip codes to assess crime risk in an area, car insurance rates are different depending on the zip code.

Refer to the table below to find the average insurance rates for Syracuse’s various zip codes.

Zip Code Average Monthly Rate
13203 $116
13205 $147
13202 $112
13207 $177
13214 $98

How Much Is Car Insurance In Other Cities in New York?

Car insurance rates are strongly influenced by the city you live in. Companies factor in the risk of accidents, theft, and vandalism, which are often higher in city environments, causing premiums to rise.

In Flushing, drivers can expect to pay approximately $394 per month for car insurance, compared to $157 per month for residents of Rochester.

City Average Monthly Rate
Buffalo $221
Jamaica $441
New York $379
Great Neck $305
Rochester $157
Albany $154
Flushing $394
Bronxville $244
Alder Creek $147
Elmira $136

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Our Methodology

I’ve compiled an in-depth review of car insurance providers in Syracuse, NY, based on an extensive analysis of customer service, pricing, product choices, and feedback from various online review platforms.

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Quotes Analyzed

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Brands Reviewed

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Years Of Experience

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FAQs

Who has the lowest car insurance rates in Syracuse?

For minimum coverage , Kemper offers the lowest rates in Syracuse, Kemper still provides the best full coverage rates, including comprehensive and collision coverage.

What is the average cost of car insurance in Syracuse?

The average car insurance premium in Syracuse is about $160 per month, but rates will fluctuate depending on your zip code, car details, and driving record.

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