The North Syracuse Police Department increased its presence on the roads, increasing the number 1,328 traffic tickets in 2019. In Syracuse, injuries and crashes have decreased significantly. Even though your chance of being in an accident is lower, Syracuse has the best car insurance. This will give you financial protection in the event that you are in an accident.
Syracuse’s average car insurance cost is $804 per annum for minimum coverage and $1735 for full coverage. The rates are much lower than those in New York. The average cost for full coverage in New York is $2,321 annually. You may be able to save even more if you are aware of which discounts are most effective and which carriers offer the lowest.
The best car insurance companies in Syracuse
It takes time to find the right carrier. It is essential to research how the company pays claims, how financially sound they are, and what restrictions policyholders might face. It can be daunting. We took the hassle out of finding the best car insurance companies in Syracuse by narrowing down the list of potential car insurance providers. These top four carriers are known for their high customer satisfaction ratings and low annual premiums. They also offer a wide range of coverage options that can be tailored to your specific needs.
Main Street America Group
Main Street America offers the lowest car insurance in Syracuse. There are many discounts offered by the carrier to keep rates low. These include discounts to ensure safe driving, new customers and mature drivers over 65, early or automated payments, student drivers, and discounts for policyholders who take defensive and safety driver courses. You can also customize your coverage with a variety of add-ons. You can choose to reduce your deductible, get full glass replacement, vehicle replacement, accident forgiveness, and other options.
Progressive provides vehicle coverage to more than 18,000,000 car owners. You can choose from basic or complete coverage. If you ride for Uber or Lyft, you’ll find all the necessary insurance. If you have any questions or need to file an insurance claim, Progressive agents are available 24 hours a day. Progressive agents are also available at the 29 independent Syracuse agents.
Erie Insurance provides car insurance packages that maximize value for its customers. Your car insurance premium also includes add-ons such as pet coverage, glass repair, and locksmith service. Erie offers discounts that may help you lower your cost. You can combine home and auto insurance to get a substantial discount up to 25% if you own your home.
Geico is a top-rated car insurance company in many areas of the country. This is because they offer affordable premiums and high customer service. There are a number of discounts that can be used to lower your rates. You can get discounts for military, emergency deployment, new vehicle, affiliation/employee, and many other factors.
Cheapest car insurance in Syracuse
Car insurance rates in Syracuse are less expensive than those in New York, as mentioned. If you have a limited budget, there are some carriers that are significantly cheaper than others. These are the five national least expensive car insurance companies in Syracuse:
Geico and Progressive are competitors. They have a long-standing reputation of providing excellent customer service, easy claims processes and strong online presence. Erie and State Farm offer a variety of options to customize your coverage. This is something that many insurance companies don’t offer. USAA is a good choice for car insurance, but it is not available to military personnel or their families.
Insurance requirements for Syracuse
New York law requires that all automobile owners must have minimum liability insurance. These guidelines only cover a minimum amount. To include your vehicle, you may wish to increase or upgrade to full-car insurance. You would be responsible for the difference. New York’s requirements include:
- $25,000 per person for bodily injury/$50,000 per person for death
- $50,000.00 for bodily injury and $50,000 for death per accident
- $10,000 per accident for property damage
Insurance discounts for car owners in Syracuse
You may be eligible for discounts on car insurance that could lower your premiums. These are some of the things you should consider:
- Switching carriers: New customers may be eligible for a discount
- Bundling: If you bundle your renters or home insurance with your car insurance, you could get a discount.
- Driver training: A great way to save on your car insurance is to take an approved online defensive driving class.
- Prepay your premiums for 6 months or 1 year and receive a discount from many carriers If you make monthly auto payments, you may be eligible for a discount.
Bundling or driver training is a great way to get the best discount. Bundling discounts can often lower the cost of all policies you have with the carrier. A defensive driver course may be able to earn you a long-term premium reduction. The savings can be extended by most carriers for up to 3 years.
Questions frequently asked
Which insurance company is best for car owners in Syracuse?
There are many Syracuse car insurance companies, but the best auto insurance company will depend on your needs. Consider the coverages that you require, as well as discounts available, customer satisfaction scores, and financial stability.
What is the cost of car insurance in Syracuse?
Syracuse’s average car insurance cost is $804/year for minimum coverage and $1735/year for full coverage. The rates are significantly lower than the $2,321 average for New York State.
What amount of car insurance do you need in Syracuse?
New Yorkers must have liability insurance that covers at least:
- $25,000 per person for bodily injuries
- $50,000 for death per person
- $50,000 per accident for bodily injury
- $100,000 for death per accident
- $10,000 per accident for property damage