Car Insurance in Syracuse, NY – 2024 Rates + Cheapest to Insure

• Syracuse car insurance rates cost an average of $1,698 per year, or about $142 per month, for a full coverage policy.
• Car insurance rates for a few popular models in Syracuse include the Nissan Rogue at $127 per month, Tesla Model 3 at $166, and Nissan Sentra at $130.
• 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 $1,698 per year, which is approximately $142 per month. Syracuse car insurance costs 10.3% less than the U.S. average rate of $1,883.

In the state of New York, the average car insurance expense is $2,184 per year, so the cost in Syracuse averages $486 less per year. The cost to insure a vehicle in Syracuse compared to other New York cities is around $926 per year cheaper than in Yonkers, $116 per year more than in Rochester, and $1,542 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 $1,410 per year for a 40-year-old driver who receives many policy discounts to $3,904 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 $118 to $325 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 – $6,048 per year or $504 per month
• 17-year-old driver – $5,860 per year or $488 per month
• 18-year-old driver – $5,252 per year or $438 per month
• 19-year-old driver – $4,781 per year or $398 per month
• 20-year-old driver – $3,416 per year or $285 per month
• 30-year-old driver – $1,810 per year or $151 per month
• 40-year-old driver – $1,698 per year or $142 per month
• 50-year-old driver – $1,506 per year or $126 per month
• 60-year-old driver – $1,410 per year or $118 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 $115 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 Volkswagen Taos. 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 $121 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 $1,474 per year, Nissan Leaf at $1,486 per year, Honda Civic at $1,502 per year, and Nissan Sentra at $1,554 per year.

Some other cars that have affordable insurance rates are the Chevrolet Malibu, Honda Accord, Kia K5, and Hyundai Ioniq 6, with average rates of $1,644 per year or less.

Full-coverage auto insurance for this segment in Syracuse for a safe driver can cost as low as $123 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 $1,474 per year ($123 per month) and ending with the Mazda 3 at $1,756 per year ($146 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 $1,254 per year, Chevrolet Trailblazer at $1,276 per year, Kia Soul at $1,326 per year, and Nissan Kicks at $1,336 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 $1,390 per year or less.

Ranking between positions 10 and 20, models like the Honda CR-V, Subaru Ascent, Kia Niro, Volkswagen Tiguan, and Honda HR-V average between $1,390 and $1,476 per year for insurance.

Car insurance for this segment in Syracuse for a good driver starts at around $105 per month, depending on your location.

The most affordable non-luxury compact SUV to insure in Syracuse is the Subaru Crosstrek at $1,254 per year. For midsize models, the Honda Passport is the cheapest model to insure at $1,352 per year. And for large SUVs, the Chevrolet Tahoe has the best rates at $1,596 per year.

The next table ranks the twenty SUVs with the lowest-cost insurance in Syracuse, starting with the Subaru Crosstrek at $1,254 per year ($105 per month) and ending with the Honda HR-V at $1,476 per year ($123 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 $1,646 or less per year, or around $137 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 $1,746 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 $121 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 $1,454 per year ($121 per month) and ending with the Ram Truck at $1,962 per year ($164 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 $1,572 per year. Second place is the Toyota GR86 costing $1,790 per year, and in third place is the Ford Mustang, at an average of $1,866 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 $2,030 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 $2,030 and $2,874 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 $131 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 $131 per month and ending with the Porsche Taycan at $240 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 $147 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 $1,784 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 $1,784 and $1,906 per year for insurance.

Full-coverage insurance in this segment for a middle-age safe driver will start around $126 per month, depending on the company.

The most budget-friendly small luxury car to insure in Syracuse is the Acura Integra at $1,510 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $1,746 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $2,012 per year.

The table below ranks the cars with the cheapest average auto insurance rates in Syracuse, starting with the Acura Integra at $1,510 per year ($126 per month) and ending with the Audi S3 at $1,906 per year ($159 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 $1,602 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 $1,636 per year or less.

Some additional vehicles on the list include the Infiniti QX60, Acura MDX, Lexus RX 350, Cadillac XT6, and Mercedes-Benz GLA35 AMG, which average between $1,636 and $1,702 per year for insurance.

Auto insurance rates in this segment starts at around $118 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 $1,420 per year and ending with the Lexus NX 350 at $1,702 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 $2,020 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 $2,424 per year for a 20-year-old driver and even $706 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 $452 per year. Major convictions such as hit-and-run could raise rates by an additional $1,578 or more.
• Raising deductibles results in a cheaper policy. Increasing your deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.