Syracuse Car Insurance

Your Complete Car Insurance Guide for Syracuse

Find the right car insurance policy for you.


Syracuse is the economic and educational center of central New York. It is located at the intersection of interstates 81 and 90, making it a major crossroads for travel in the state.

Drivers in Syracuse face serious challenges. In winter, snow is an almost daily occurrence. Syracuse receives around 116 inches of snow each year, on average, which is the highest annual snowfall of any metropolitan area in the U.S.

Summers can be problematic for drivers too, with an annual rainfall of over 41 inches.

Experienced Syracuse drivers know how to get around on even the snowiest days, but no matter how experienced you are, accidents can still happen. Every Syracuse driver should be protected with affordable, quality auto insurance to make sure they can recover financially if something goes wrong. 

Trusted Choice® Independent Insurance Agents can assess the unique risks you face as a Syracuse driver. Our local agents will work hard to find you a Syracuse auto insurance policy that meets your family’s needs and budget.


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Cost of Car Insurance in Syracuse 

Did You know? The average cost of Syracuse car insurance is $278 per month. 

What you pay is unique to personal factors based on things like where you live, what the make and model of your car are and how far you drive to work or school every day.

Your rates may be higher or lower than average. If you have a long commute or drive an expensive car, your rates may be higher than the rates of people with different circumstances.

Trusted Choice independent agents can work with multiple insurance companies so you can find the right Syracuse car insurance policy for your individual driving characteristics and budget.

Syracuse Car Insurance Requirements 

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $10,000 required
  • Personal Injury Protection (PIP): $50,000 required

Who pays if the accident wasn’t my fault?

The driver who caused the accident, of course. But approximately 6.1% of New York drivers are uninsured. Without a financial backup plan for accidents, uninsured drivers force everyone else on the road to pay for their own car repairs and medical costs. That's why you need “uninsured motorist coverage.” If you are hit by a driver who doesn’t have insurance, this coverage helps pay for your car repairs and medical bills when the at-fault driver cannot pay. New York drivers are required to purchase uninsured motorist coverage.

What Affects the Cost of Syracuse Car Insurance?

The rates for your Syracuse car insurance policy are based on your personal characteristics. Insurance companies evaluate these characteristics to predict how risky you are as a driver.

The most important risk factors are the following:

  • Your age
  • Your gender
  • Your marital status
  • Your ZIP code
  • Your driving record
  • The kind of car you driveAThe number of cars and drivers in your household

The type of car you drive is very significant in how much you pay for Syracuse car insurance. Any car that is more likely to be involved in a crash (e.g., a sports car) or costs more than average to repair or replace (e.g., a luxury SUV) will cost more to insure.

Hybrids and electric cars are also more difficult and costly to repair. If you own a hybrid, you will likely pay more for your Syracuse car insurance than an owner of a similar gas-powered car.

 City Factors That Will Affect Your Rate:

Commute Time

The more time you spend on the road, the more likely it is that you'll be in an accident. Car insurance costs more for drivers with lengthy commute times. Syracuse drivers tend to have commute times that are shorter than the national average, helping to keep car insurance rates down.

  • National average: 25.4 minutes
  • Syracuse average: 17.8 minutes

Number of Auto Thefts in Syracuse

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Syracuse: 2.26 

The rate of car theft in Syracuse is very similar to the U.S. national average. While Syracuse is a relatively safe city, your car can still be stolen or vandalized.

Thefts and break-ins can be costly. Most stolen cars have to be replaced. Even if your car is eventually found, it likely will have been stripped for parts and totaled.

After a break-in, your windows and locks will need repair, and any stolen personal property must be replaced.

With a Syracuse car insurance policy, you can sleep easy. If you are a victim of auto theft, you'll receive timely assistance and compensation so you can get back on the road with confidence.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Find Affordable Car Insurance in Syracuse

No matter where you live or what kind of car you drive, you can find affordable Syracuse car insurance with the help of a Trusted Choice insurance agent.

Our agents are not tied down to one carrier. They will get to know you, assess your risks and find quotes from multiple insurance companies.

You can choose the option that best fits your needs and budget.

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