Car Insurance in Syracuse, NY – 2025 Rates + Cheapest to Insure

We compared insurance rates for nearly 200 cars, SUVs, and luxury models to find the cheapest car insurance quotes in Syracuse, New York.

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How much does car insurance cost in Syracuse?

Average auto insurance cost in Syracuse is $2,264 per year, which is approximately $189 per month. Syracuse car insurance costs 1.9% more than the U.S. average rate of $2,221.

In the state of New York, the average car insurance expense is $2,752 per year, so the cost in Syracuse averages $488 less per year. The cost to insure a vehicle in Syracuse compared to other New York cities is around $928 per year cheaper than in Yonkers, $116 per year more than in Rochester, and $1,540 per year less than in New York City.

The next chart summarizes car insurance cost in Syracuse, New York, for different common policy situations. Rates are averaged for all Syracuse Zip Codes and shown for a range of driver ages, policy physical damage deductibles, and risk scenarios.

Average car insurance rates in Syracuse for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Syracuse for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Syracuse includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Syracuse, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,208$434
Safe Driver Age 20$4,556$380
At-fault Accidents Age 40$3,206$267
Low Deductibles Age 40$2,964$247
Safe Driver Age 30$2,418$202
Safe Driver Age 40$2,264$189
Safe Driver Age 50$2,010$168
High Deductibles Age 40$1,904$159
Discount Rate Age 40$1,880$157
Safe Driver Age 60$1,878$157

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

In the chart above, the cost of car insurance in Syracuse ranges from $1,880 per year for a 40-year-old driver who receives many policy discounts to $5,208 per year for a 30-year-old driver with a lot of violations and accidents. From a monthly point of view, the average cost in the prior chart ranges from $157 to $434 per month.

Syracuse car insurance rates can have a very wide price range and are impacted by many factors. Due to the high likelihood of rate variability, this emphasizes the need for multiple auto insurance quotes when trying to find the cheapest car insurance.

The age of the driver is the largest factor that influences the cost of auto insurance. The list below illustrates this point by breaking out average car insurance rates in Syracuse for different driver ages.

Syracuse, New York, car insurance cost by driver age

  • 16-year-old driver – $8,065 per year or $672 per month
  • 17-year-old driver – $7,814 per year or $651 per month
  • 18-year-old driver – $7,002 per year or $584 per month
  • 19-year-old driver – $6,378 per year or $532 per month
  • 20-year-old driver – $4,556 per year or $380 per month
  • 30-year-old driver – $2,418 per year or $202 per month
  • 40-year-old driver – $2,264 per year or $189 per month
  • 50-year-old driver – $2,010 per year or $168 per month
  • 60-year-old driver – $1,878 per year or $157 per month

The previously discussed car insurance rates take all 2024 models and come up with an average cost, which is practical when making general comparisons like the average cost difference for different locations or driver risk profiles. But for more useful cost comparisons, the cost data will be more precise if we compare rates for the specific vehicle being insured.

In the next few article sections, we delve deep into rates for different makes and models, but for now, let’s look at just a few of the more popular vehicles to find out how car insurance rates measure up in Syracuse.

The next chart shows average car insurance cost for a small sample of popular cars, pickups, and SUVs on Syracuse streets. At the end of this article, we analyze rates for a few of these models in much more detail.

Average cost to insure popular 2024 model year vehicles in Syracuse.
Figure 2: Average cost to insure popular 2024 model year vehicles in Syracuse. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Syracuse Zip Codes.

Syracuse, New York Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Mazda CX-5$1,848$154
Honda CR-V$1,930$161
Honda HR-V$1,970$164
Honda Civic$2,006$167
Nissan Rogue$2,034$170
Toyota Highlander$2,062$172
Ford Escape$2,066$172
Nissan Sentra$2,076$173
Chevrolet Equinox$2,086$174
Toyota RAV4$2,086$174
Hyundai Tucson$2,106$176
Chevrolet Traverse$2,112$176
Honda Accord$2,186$182
Toyota Corolla$2,208$184
Jeep Grand Cherokee$2,266$189
Toyota 4Runner$2,426$202
Toyota Camry$2,436$203
Ford Mustang$2,488$207
Chevrolet Silverado$2,506$209
Ford Bronco$2,512$209
Ford F150$2,534$211
Jeep Wrangler$2,588$216
Ram Truck$2,620$218
Chevrolet Corvette$3,138$262

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Syracuse, NY Zip Codes. Updated June 27, 2025

Which cars have cheap insurance in Syracuse?

When comparing all car, pickup truck, and SUV models, the models with the best insurance rates in Syracuse, NY, tend to be compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Hyundai Venue.

Average car insurance quotes for those small SUVs cost $153 or less per month to have full coverage.

Some other vehicles that have low-cost auto insurance rates in the cost comparison table below are the Acura RDX, Honda CR-V, Volkswagen Tiguan, and Kia Niro. Average cost is a few dollars per month higher for those models than the crossovers and compact SUVs that rank at the top, but they still have an average insurance cost of $164 or less per month.

The following table details the top 20 cheapest vehicles to insure in Syracuse, ordered starting with the cheapest.

Top 20 Cheapest Cars, Trucks, and SUVs to Insure in Syracuse, New York
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,674$140
2Chevrolet Trailblazer$1,702$142
3Kia Soul$1,766$147
4Nissan Kicks$1,784$149
5Honda Passport$1,806$151
6Buick Envision$1,816$151
7Toyota Corolla Cross$1,826$152
8Hyundai Venue$1,840$153
9Mazda CX-5$1,848$154
10Ford Bronco Sport$1,854$155
11Volkswagen Tiguan$1,876$156
12Acura RDX$1,894$158
13Nissan Murano$1,904$159
14Buick Encore$1,924$160
15Honda CR-V$1,930$161
16Subaru Outback$1,932$161
17Buick Envista$1,936$161
18Volkswagen Taos$1,940$162
19Kia Niro$1,950$163
20Toyota GR Corolla$1,968$164

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Syracuse, NY Zip Codes. Updated June 27, 2025

Top 20 cheapest vehicles to insure in Syracuse, NY with the Subaru Crosstrek ranking first at $1,674 per year
Top 20 cheapest vehicles to insure in Syracuse, NY with the Subaru Crosstrek ranking first at $1,674 per year

A table showing 20 of the cheapest vehicles to insure in Syracuse serves the purpose if you just want the absolute lowest rates. Due to the fact that we track over 700 vehicles, a lot of vehicles get left off the list.

So let’s dig deeper and break out the models with the lowest rates in a better format. The following six sections break out the top 20 models with the most affordable car insurance rates for each of the main segments.

Cheapest cars to insure in Syracuse, NY

The four highest ranking non-luxury two and four door cars with the lowest-cost insurance rates in Syracuse are the Toyota GR Corolla at $1,968 per year, Nissan Leaf at $1,982 per year, Honda Civic at $2,006 per year, and Nissan Sentra at $2,076 per year.

Some other cars that have affordable insurance rates are the Toyota Corolla, Chevrolet Malibu, Honda Accord, and Toyota Prius, with average rates of $2,208 per year or less.

Full-coverage auto insurance for this segment in Syracuse for a safe driver can cost as low as $164 per month, depending on the company and where you live. The rate comparison table below ranks the cars with the most affordable car insurance rates in Syracuse, starting with the Toyota GR Corolla at $1,968 per year ($164 per month) and ending with the Mazda 3 at $2,340 per year ($195 per month).

Cheapest Cars to Insure in Syracuse, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,968$164
Nissan LeafCompact$1,982$165
Honda CivicCompact$2,006$167
Nissan SentraCompact$2,076$173
Subaru ImprezaCompact$2,082$174
Toyota PriusCompact$2,116$176
Kia K5Midsize$2,182$182
Honda AccordMidsize$2,186$182
Chevrolet MalibuMidsize$2,196$183
Toyota CorollaCompact$2,208$184
Kia ForteCompact$2,212$184
Volkswagen ArteonMidsize$2,226$186
Nissan VersaCompact$2,232$186
Subaru LegacyMidsize$2,234$186
Hyundai Ioniq 6Midsize$2,252$188
Mitsubishi Mirage G4Compact$2,286$191
Volkswagen JettaCompact$2,290$191
Toyota CrownMidsize$2,292$191
Hyundai SonataMidsize$2,296$191
Mazda 3Compact$2,340$195

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Syracuse, NY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Syracuse, NY, with the Toyota GR Corolla ranking first at $1,968 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Syracuse, NY, with the Toyota GR Corolla ranking first at $1,968 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Syracuse car insurance quotes from top-rated auto insurance companies in New York.

Cheapest SUVs to insure in Syracuse, NY

The four cheapest SUVs to insure in Syracuse are the Subaru Crosstrek at $1,674 per year, Chevrolet Trailblazer at $1,702 per year, Kia Soul at $1,766 per year, and Nissan Kicks at $1,784 per year.

Additional models that rank well in our comparison include the Toyota Corolla Cross, Buick Envision, Hyundai Venue, and Mazda CX-5, with average insurance cost of $1,854 per year or less.

Ranking between positions 10 and 20, models like the Honda CR-V, Honda HR-V, Kia Niro, Volkswagen Tiguan, and Subaru Ascent average between $1,854 and $1,972 per year for insurance.

Car insurance for this segment in Syracuse for a good driver starts at around $140 per month, depending on your location.

The most affordable non-luxury compact SUV to insure in Syracuse is the Subaru Crosstrek at $1,674 per year. For midsize models, the Honda Passport is the cheapest model to insure at $1,806 per year. And for large SUVs, the Chevrolet Tahoe has the best rates at $2,126 per year.

The next table ranks the twenty SUVs with the lowest-cost insurance in Syracuse, starting with the Subaru Crosstrek at $1,674 per year ($140 per month) and ending with the Subaru Ascent at $1,972 per year ($164 per month).

Cheapest SUVs to Insure in Syracuse, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,674$140
Chevrolet TrailblazerCompact$1,702$142
Kia SoulCompact$1,766$147
Nissan KicksCompact$1,784$149
Honda PassportMidsize$1,806$151
Buick EnvisionCompact$1,816$151
Toyota Corolla CrossCompact$1,826$152
Hyundai VenueCompact$1,840$153
Mazda CX-5Compact$1,848$154
Ford Bronco SportCompact$1,854$155
Volkswagen TiguanCompact$1,876$156
Nissan MuranoMidsize$1,904$159
Buick EncoreCompact$1,924$160
Honda CR-VCompact$1,930$161
Subaru OutbackMidsize$1,932$161
Buick EnvistaMidsize$1,936$161
Volkswagen TaosCompact$1,940$162
Kia NiroCompact$1,950$163
Honda HR-VCompact$1,970$164
Subaru AscentMidsize$1,972$164

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Syracuse, NY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Syracuse, NY, with the Subaru Crosstrek ranking first at $1,674 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Syracuse, NY, with the Subaru Crosstrek ranking first at $1,674 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see your SUV in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Syracuse car insurance quotes from top auto insurance companies in New York.

Cheapest pickups to insure in Syracuse

Ranking highest for the most affordable Syracuse car insurance rates in the pickup truck segment are the Nissan Titan, Chevrolet Colorado, Nissan Frontier, Ford Ranger, and Ford Maverick. Auto insurance rates for these models average $2,196 or less per year, or around $183 per month.

Other models that have affordable insurance rates include the GMC Canyon, Toyota Tacoma, Honda Ridgeline, and GMC Sierra 2500 HD, with average rates of $2,328 per year or less.

From a monthly standpoint, car insurance rates in Syracuse on this segment for a safe driver starts at an average of $166 per month, depending on the company. The comparison table below ranks the pickups with the cheapest average auto insurance rates in Syracuse, starting with the Chevrolet Colorado at $1,996 per year ($166 per month) and ending with the Ram Truck at $2,620 per year ($218 per month).

Cheapest Pickups to Insure in Syracuse, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,996$166
Nissan TitanFull-size$2,118$177
Nissan FrontierMidsize$2,142$179
Ford RangerMidsize$2,164$180
Ford MaverickMidsize$2,196$183
Honda RidgelineMidsize$2,246$187
Hyundai Santa CruzMidsize$2,286$191
Toyota TacomaMidsize$2,294$191
GMC Sierra 2500 HDHeavy Duty$2,304$192
GMC CanyonMidsize$2,328$194
Jeep GladiatorMidsize$2,384$199
GMC Sierra 3500Heavy Duty$2,402$200
Chevrolet Silverado HD 3500Heavy Duty$2,422$202
Chevrolet Silverado HD 2500Heavy Duty$2,484$207
GMC SierraFull-size$2,500$208
Nissan Titan XDHeavy Duty$2,504$209
Chevrolet SilveradoFull-size$2,506$209
Ford F150Full-size$2,534$211
GMC Hummer EV PickupFull-size$2,600$217
Ram TruckFull-size$2,620$218

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Syracuse, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Syracuse, NY, with the Chevrolet Colorado ranking first at $1,996 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Syracuse, NY, with the Chevrolet Colorado ranking first at $1,996 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Don’t see your pickup in the list? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Syracuse car insurance quotes from the best companies in New York.

Cheapest sports car insurance rates

Taking the top spot in Syracuse for the lowest-cost insurance in the sports car segment is the Mazda MX-5 Miata, with a cost of $2,094 per year. Second place is the Toyota GR86 costing $2,386 per year, and in third place is the Ford Mustang, at an average of $2,488 per year.

Also ranking in the top 10 are models like the Lexus RC F, Toyota GR Supra, Nissan Z, and Subaru BRZ, with average rates of $2,708 per year or less.

Ranked in the lower half of the top 20, models like the Porsche Taycan, BMW M4, Chevrolet Camaro, Porsche 718, Lexus LC 500, and Jaguar F-Type average between $2,708 and $3,834 per year for auto insurance in Syracuse.

From a cost per month standpoint, auto insurance on this segment in Syracuse for the average driver can cost as low as $175 per month, depending on where you live.

The rate comparison table below ranks the sports cars with the lowest-cost auto insurance rates in Syracuse, starting with the Mazda MX-5 Miata at $175 per month and ending with the Porsche Taycan at $320 per month.

Cheapest Sports Cars to Insure in Syracuse, NY
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,094$175
Toyota GR86Sports Car$2,386$199
Ford MustangSports Car$2,488$207
BMW Z4Sports Car$2,502$209
Subaru WRXSports Car$2,538$212
Toyota GR SupraSports Car$2,544$212
BMW M2Sports Car$2,620$218
Nissan ZSports Car$2,624$219
Lexus RC FSports Car$2,676$223
Subaru BRZSports Car$2,708$226
BMW M3Sports Car$2,860$238
Porsche 718Sports Car$2,918$243
Chevrolet CamaroSports Car$2,944$245
Chevrolet CorvetteSports Car$3,138$262
Porsche 911Sports Car$3,244$270
BMW M4Sports Car$3,380$282
Lexus LC 500Sports Car$3,398$283
Jaguar F-TypeSports Car$3,574$298
Mercedes-Benz AMG GT53Sports Car$3,748$312
Porsche TaycanSports Car$3,834$320

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Syracuse, NY Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Syracuse, NY, with the Mazda MX-5 Miata ranking first at $2,094 per year.
Ranking of the cheapest sports cars to insure in Syracuse, NY, with the Mazda MX-5 Miata ranking first at $2,094 per year.

Don’t see rates for your sports car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in New York.

Cheapest luxury cars to insure

Ranking at the top for the cheapest Syracuse auto insurance rates in the luxury car segment are the Lexus IS 300, BMW 330i, Acura TLX, Acura Integra, and Mercedes-Benz CLA250. Auto insurance prices for these 2024 models average $195 or less per month.

Some other luxury cars that have good average insurance rates include the Genesis G70, Cadillac CT4, Mercedes-Benz AMG CLA35, and Lexus ES 350, with average cost of $2,380 per year or less.

Additional 2024 luxury models that rank well include the Audi S3, Cadillac CT5, BMW 330e, and BMW 230i, which average between $2,380 and $2,540 per year for insurance.

Full-coverage insurance in this segment for a middle-age safe driver will start around $168 per month, depending on the company.

The most budget-friendly small luxury car to insure in Syracuse is the Acura Integra at $2,014 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,330 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $2,692 per year.

The table below ranks the cars with the cheapest average auto insurance rates in Syracuse, starting with the Acura Integra at $2,014 per year ($168 per month) and ending with the Audi S3 at $2,540 per year ($212 per month).

Cheapest Luxury Cars to Insure in Syracuse, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,014$168
BMW 330iCompact$2,306$192
Mercedes-Benz CLA250Midsize$2,330$194
Lexus IS 300Midsize$2,336$195
Acura TLXCompact$2,344$195
Lexus ES 350Midsize$2,364$197
Cadillac CT4Compact$2,366$197
Genesis G70Compact$2,372$198
Mercedes-Benz AMG CLA35Midsize$2,374$198
Lexus RC 300Midsize$2,380$198
Lexus IS 350Compact$2,390$199
Jaguar XFMidsize$2,398$200
Cadillac CT5Midsize$2,440$203
Lexus ES 250Midsize$2,450$204
Lexus RC 350Compact$2,456$205
BMW 330eCompact$2,458$205
BMW 228iCompact$2,464$205
BMW 230iCompact$2,482$207
Lexus ES 300hMidsize$2,486$207
Audi S3Compact$2,540$212

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Syracuse, NY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Syracuse, NY, with the Acura Integra ranking first at $2,014 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Syracuse, NY, with the Acura Integra ranking first at $2,014 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see your luxury car in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in New York.

Cheapest luxury SUVs to insure

Ranking at the top of the list for the lowest-cost Syracuse auto insurance rates in the luxury SUV segment are the Cadillac XT4, Jaguar E-Pace, Lexus NX 250, Cadillac XT5, and Acura RDX. Auto insurance quotes for these models average $2,138 or less per year.

Not the cheapest, but still very affordable, are models like the Lexus NX 450h, Lexus UX 250h, Lincoln Corsair, and Mercedes-Benz GLB 250, with average rates of $2,184 per year or less.

Some additional vehicles on the list include the Infiniti QX60, Land Rover Evoque, Lexus NX 350, Mercedes-Benz GLA35 AMG, and Cadillac XT6, which average between $2,184 and $2,274 per year for insurance.

Auto insurance rates in this segment starts at around $158 per month, depending on your location and insurance company. The table below ranks the luxury SUVs with the lowest-cost average car insurance rates in Syracuse, starting with the Acura RDX at $1,894 per year and ending with the Lexus RX 350 at $2,274 per year.

Cheapest Luxury SUVs to Insure in Syracuse, NY
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,894$158
Lexus NX 250Compact$2,006$167
Cadillac XT4Compact$2,046$171
Jaguar E-PaceMidsize$2,118$177
Lexus NX 350hCompact$2,136$178
Cadillac XT5Midsize$2,138$178
Lincoln CorsairCompact$2,164$180
Mercedes-Benz GLB 250Compact$2,168$181
Lexus UX 250hCompact$2,170$181
Lexus NX 450hCompact$2,184$182
Infiniti QX50Midsize$2,202$184
Mercedes-Benz GLA250Compact$2,208$184
Mercedes-Benz GLA35 AMGCompact$2,214$185
Cadillac XT6Midsize$2,216$185
Infiniti QX60Midsize$2,228$186
Mercedes-Benz AMG GLB35Midsize$2,232$186
Land Rover EvoqueCompact$2,260$188
Acura MDXMidsize$2,264$189
Lexus NX 350Compact$2,272$189
Lexus RX 350Midsize$2,274$190

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Syracuse, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Syracuse, NY, with the Acura RDX ranking first at $1,894 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Syracuse, NY, with the Acura RDX ranking first at $1,894 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Is your luxury SUV missing from the table above? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in New York.

How to find cheap Syracuse car insurance quotes

Syracuse drivers should always be looking to reduce their monthly insurance expenses. So take a minute to read through the savings tips in the list below and maybe you’ll be able to save some money on your next policy.

  • Buy vehicles that are cheaper to insure. The make and model of vehicle you drive is a primary factor in the cost of car insurance. For example, a Subaru Crosstrek costs $2,694 less per year to insure in Syracuse than a Audi R8. Lower performance vehicles save money.
  • Don’t be a negligent driver. Being the cause of frequent accidents will raise rates, possibly by an extra $3,232 per year for a 20-year-old driver and even $942 per year for a 40-year-old driver. So be a cautious driver and save.
  • If your vehicle is older, remove optional coverages. Removing physical damage coverage from vehicles that are older can cut the cost of car insurance substantially.
  • Remain claim free and save. Auto insurance companies reduce rates a little if you do not file any claims. Insurance should only be used to protect you from larger claims, not for small claims.
  • Compare car insurance quote before buying a car. Different vehicle models have very different costs for insurance, and car insurance companies can sell coverages with very different rates. Check rates before you buy a different vehicle in order to avoid insurance sticker shock when you receive your first bill.
  • The real world isn’t Grand Theft Auto. In order to have affordable car insurance in Syracuse, it pays to be an excellent driver. In fact, just a couple minor moving violations have the potential to raise insurance policy rates by as much as $604 per year. Major convictions such as hit-and-run could raise rates by an additional $2,104 or more.
  • Raising deductibles results in a cheaper policy. Increasing your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.