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

• Syracuse car insurance rates cost an average of $2,308 per year, or about $192 per month, for a full coverage policy.
• Car insurance rates for a few popular models in Syracuse include the Nissan Rogue at $173 per month, Tesla Model 3 at $226, and Nissan Sentra at $176.
• Models like tthe Volkswagen Tiguan, Buick Encore, Hyundai Venue, and Subaru Crosstrek have top rankings for cheap car insurance in Syracuse.

How much does car insurance cost in Syracuse?

Average auto insurance cost in Syracuse is $2,308 per year, which is approximately $192 per month. Syracuse car insurance costs 1.4% more than the U.S. average rate of $2,276.

In the state of New York, the average car insurance expense is $2,796 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 $932 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.

In the chart above, the cost of car insurance in Syracuse ranges from $1,918 per year for a 40-year-old driver who receives many policy discounts to $5,310 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 $160 to $443 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 – $8,224 per year or $685 per month
• 17-year-old driver – $7,968 per year or $664 per month
• 18-year-old driver – $7,140 per year or $595 per month
• 19-year-old driver – $6,503 per year or $542 per month
• 20-year-old driver – $4,644 per year or $387 per month
• 30-year-old driver – $2,464 per year or $205 per month
• 40-year-old driver – $2,308 per year or $192 per month
• 50-year-old driver – $2,046 per year or $171 per month
• 60-year-old driver – $1,916 per year or $160 per month

The cost of car insurance for Syracuse’s favorite vehicles

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.

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 $156 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, Subaru Outback, 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 $167 or less per month.

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

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 $2,008 per year, Nissan Leaf at $2,022 per year, Honda Civic at $2,046 per year, and Nissan Sentra at $2,116 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 $2,248 per year or less.

Full-coverage auto insurance for this segment in Syracuse for a safe driver can cost as low as $167 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 $2,008 per year ($167 per month) and ending with the Mazda 3 at $2,386 per year ($199 per month).

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 $1,706 per year, Chevrolet Trailblazer at $1,736 per year, Kia Soul at $1,802 per year, and Nissan Kicks at $1,820 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 $1,892 per year or less.

Ranking between positions 10 and 20, models like the Subaru Outback, Honda HR-V, Kia Niro, Volkswagen Tiguan, and Subaru Ascent average between $1,892 and $2,012 per year for insurance.

Car insurance for this segment in Syracuse for a good driver starts at around $142 per month, depending on your location.

The most affordable non-luxury compact SUV to insure in Syracuse is the Subaru Crosstrek at $1,706 per year. For midsize models, the Honda Passport is the cheapest model to insure at $1,842 per year. And for large SUVs, the Chevrolet Tahoe has the best rates at $2,168 per year.

The next table ranks the twenty SUVs with the lowest-cost insurance in Syracuse, starting with the Subaru Crosstrek at $1,706 per year ($142 per month) and ending with the Subaru Ascent at $2,012 per year ($168 per month).

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 $2,238 or less per year, or around $187 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 $2,376 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 $170 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 $2,034 per year ($170 per month) and ending with the Ram Truck at $2,668 per year ($222 per month).

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 $2,136 per year. Second place is the Toyota GR86 costing $2,434 per year, and in third place is the Ford Mustang, at an average of $2,538 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 $2,758 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 $2,758 and $3,910 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 $178 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 $178 per month and ending with the Porsche Taycan at $326 per month.

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 $199 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 $2,428 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 $2,428 and $2,588 per year for insurance.

Full-coverage insurance in this segment for a middle-age safe driver will start around $171 per month, depending on the company.

The most budget-friendly small luxury car to insure in Syracuse is the Acura Integra at $2,054 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,374 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $2,744 per year.

The table below ranks the cars with the cheapest average auto insurance rates in Syracuse, starting with the Acura Integra at $2,054 per year ($171 per month) and ending with the Audi S3 at $2,588 per year ($216 per month).

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 $2,178 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 $2,226 per year or less.

Some additional vehicles on the list include the Infiniti QX60, Acura MDX, Lexus NX 350, Mercedes-Benz GLA35 AMG, and Cadillac XT6, which average between $2,226 and $2,318 per year for insurance.

Auto insurance rates in this segment starts at around $161 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 $1,932 per year and ending with the Lexus RX 350 at $2,318 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 $2,746 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 $3,296 per year for a 20-year-old driver and even $960 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 $614 per year. Major convictions such as hit-and-run could raise rates by an additional $2,144 or more.
• Raising deductibles results in a cheaper policy. Increasing your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.