How Much Does Auto Insurance Cost in Syracuse, NY?
Syracuse pricing is 12% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Syracuse's diversified economy.See our methodology
Auto Insurance Pricing in Syracuse, NY
Syracuse is one of the more affordable markets for auto insurance, with costs running about 12% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 145K-population metro area is straightforward.
Local climate plays a direct role in auto insurance costs here. Cold winters and mild summers create seasonal pricing patterns for outdoor work.
Market-specific factors matter in Syracuse: established contractor market with competitive pricing.
Syracuse has moderate permitting requirements. Depending on the scope of your auto insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Syracuse vs National Average
What Affects Auto Insurance Cost in Syracuse?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Syracuse Market Conditions
established contractor market with competitive pricing
Local Climate Impact
cold winters and mild summers create seasonal pricing patterns for outdoor work
📐 Auto Insurance in Syracuse Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Auto Insurance Pros in Syracuse, NY
4 providersHeritage HVAC Solutions
⭐ PREMIUMServing Syracuse and surrounding areas since 2010. Licensed, insured, and committed to quality workmanship at fair prices.
Premier Home Services
Apex Electrical
Are You a Auto Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for auto insurance in Syracuse, NY.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Auto Insurance in Syracuse
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Syracuse Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $134 | — |
| 2021 | $140 | +4.5% |
| 2022 | $149 | +6.4% |
| 2023 | $153 | +2.7% |
| 2024 | $158 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Syracuse
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Why does auto insurance cost different in Syracuse than other cities?
Syracuse's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Auto Insurance Cost in Nearby Cities
Related Cost Guides for Syracuse
Popular Services in Syracuse
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.