You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout animation ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the proofreader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow hard-and-fast guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no mastermind compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a recapitulation, you can trust that you ’ re getting credible and dependable information. We rate your believe. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in put to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ rhenium interpretation is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive target compensation from our advertisers. Bankrate follows a stern editorial policy, so you can trust that we ’ re putting your interests first gear. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — indeed you can feel convinced about which provider is correct for you. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ re putting your interests inaugural. All of our message is authored by highly qualify professionals and reviewed by subject topic experts, who ensure everything we publish is objective, accurate and worthy of your confidence. Founded in 1976, Bankrate has a long track record of helping people make chic fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making work and giving people assurance in which actions to take future. While we adhere to strict column integrity, this post may contain references to products from our partners. hera ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. 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 consequence, crashes and injuries in Syracuse have significantly dropped. Although your chances of getting into an accident are lower than earlier, having the best car insurance in Syracuse will provide you with fiscal protective covering in casing you do end up in an accident. The average price of car policy in Syracuse is $ 804 per year for minimum policy and $ 1,735 per year for broad. Rates are significantly lower than the rest of New York. The average price of full coverage in the department of state is $ 2,321 per year. however, you may hush be able to save far 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 static they are and what limitations policyholders may face. The work can be overpower. We did some of the workplace for you by narrowing down the retentive list of cable car indemnity companies to a handful that we have designated as the best car insurance companies in Syracuse. The top four carriers have eminent customer atonement ratings, gloomy 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 policy in Syracuse. The carrier offers policyholders a number of discounts that keep rates low. They include discounts for condom repel, new customers, mature drivers over 65, automated or early payments, student drivers and discounts for policyholders uncoerced to take safety and defensive driver courses. Besides the discounts, there are batch of add-ons that you can use to customize your coverage. You can opt for diminishing deductibles, new vehicle surrogate, accident forgiveness, full glass replacement, master equipment successor 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 policy if you drive for Uber or Lyft. progressive agents are available 24/7 if you have questions about your policy or want to file a claim. You can besides visit one of the 29 local Syracuse freelancer agents that represent Progressive .
Erie
Erie Insurance offers customers car insurance that is packaged for maximal value. Your wax cable car insurance premium includes a number of add-ons for rid, such as glass haunt, wayside service, pet coverage and locksmith service. You may be able to lower your costs by taking advantage of Erie ’ s discounts. If you besides own your home, you can bundle family and car insurance for a ample rebate of up to 25 % off .
Geico
Geico makes the list of best car policy companies for many locations across the country because it delivers low-cost cable car insurance premiums and high customer gratification. The carrier has a retentive list of discounts available that aid you lower your rate. Some of the discounts are military, emergency deployment, anti-theft arrangement, modern 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 well cheaper, which could make a big deviation if you are on a tight budget. The five home cheap 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 |
liberal and Geico are similar competitors with a long-standing reputation for good customer avail, an easy claims process and a robust on-line presence and fluid app. To customize your coverage, Erie and State Farm have a issue of add-ons many other insurance companies do not offer. USAA is a solid option for car insurance but is merely 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 indemnity. however, the guidelines are only for a minimal amount of coverage. You may want to increase the amounts or ascent to full moon cable car policy to include coverage for your own vehicle. differently, you would have to pay the difference out of pocket. New York ’ south 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 indemnity 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 meaning rebate, start with bundle or driver train. Bundling discounts much reduce the price of all the policies you have with the carrier. Passing a defensive driver path can earn you a premium decrease long-run. 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 indemnity companies available in Syracuse but the best car insurance company depends on your person needs. You will want to consider the coverages you need american samoa well as available discounts, customer satisfaction scores and fiscal stability .
How much does car insurance in Syracuse cost?
The average monetary value of car insurance in Syracuse is $ 804 per class for minimum insurance and $ 1,735 per year for full. Rates are well below the New York State modal of $ 2,321 per class .
How much car insurance do I need in Syracuse?
All New York drivers must carry indebtedness insurance with a minimal 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 drive phonograph record, adept credit rating and the watch 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 minimal coverage limits, Bankrate used minimum coverages that meet each state ’ mho requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and tug 12,000 miles annually. These are sample distribution rates and should be used for comparative purposes lone. Your quotes may be different .