Cheapest Car Insurance Quotes in Syracuse

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401,895 Policies Sold

Syracuse Car Insurance

^$ 34

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Syracuse

The car insurance rate in Syracuse is $990 for a six-month policy, which is $38 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $445, making it a popular choice for budget-conscious drivers. Rates in Syracuse can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Syracuse

$990

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Syracuse

1st place: Farmers Union Insurance

At $445 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $475 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $612 for six months, making it the third cheapest auto insurance company in Syracuse.

Syracuse Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Syracuse, UT is Farmers Union Insurance, offering policies at just $445 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $475.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2032 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Syracuse drivers find the best deals.

Cheap Car Insurance Companies in Syracuse, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$445	$76
Auto-Owners Insurance Co	$475	$79
Nationwide	$612	$103
USAA	$668	$112
Progressive	$754	$127
American Family	$778	$131
Auto-Owners	$933	$157
Farm Bureau	$1038	$173
Allstate	$1414	$238
State Farm	$1748	$294
Farmers	$2032	$345

Key Takeaways

Way's key takeaways about car insurance in Syracuse

The auto insurance costs in Syracuse fall around $445 for six months.
The cheapest auto insurance company in Syracuse is Farmers Union Insurance.
Teen drivers pay the highest rate in Syracuse at $1296 per month.

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Cheapest Minimum Liability Car Insurance in Syracuse

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Syracuse are given below.

Farmers Union Insurance provides the cheapest minimum car insurance coverage in Syracuse. Their Average 6 Month Premium is $204. Farmers is the most expensive at $1025 for the same period.

Cheapest Liability Coverage in Syracuse, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$204	$34
USAA	$241	$41
Auto-Owners Insurance Co	$265	$45
Nationwide	$290	$49
Progressive	$340	$57
Auto-Owners	$376	$63
Farm Bureau	$420	$70
American Family	$439	$74
Allstate	$679	$114
State Farm	$803	$135
Farmers	$1025	$171

Cheapest Full Coverage Car Insurance in Syracuse

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Syracuse is Farmers Union Insurance at $76 per month and $445 for six months.

Cheapest Full Coverage Car Insurance Quotes in Syracuse, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$445	$76
Auto-Owners Insurance Co	$475	$79
Nationwide	$612	$103
USAA	$668	$112
Progressive	$754	$127
American Family	$778	$131
Auto-Owners	$933	$157
Farm Bureau	$1038	$173
Allstate	$1414	$238
State Farm	$1748	$294
Farmers	$2032	$345

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Average Car Insurance in Syracuse by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Syracuse, UT increasing?

Despite maintaining a clean driving record, your car insurance rates in Syracuse, Utah, may be increasing due to several external factors. Utah has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Syracuse's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Syracuse

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Syracuse,UT

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Syracuse at $53 per month. At $7777 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$321	$53
Auto-Owners Insurance Co	$364	$62
Iowa Farm Bureau	$383	$63
Utah Farm Bureau	$414	$71
USAA	$1328	$224
Nationwide	$1538	$259
Auto-Owners	$1847	$311
Progressive	$2360	$397
Farm Bureau	$2792	$465
American Family	$2824	$475
Allstate	$4843	$815
State Farm	$6437	$1084
Farmers	$7777	$1296

Teen Car Insurance Rates in UT by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Syracuse, Nationwide is the cheapest car insurance provider. At $340 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Syracuse is State Farm, offering rates of around $2872 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$340	$58
Farmers Union Insurance	$376	$62
Kemper	$556	$95
Auto-Owners Insurance Co	$636	$106
Progressive	$889	$150
American Family	$1069	$180
USAA	$1414	$240
Farmers	$1940	$327
Farm Bureau	$1952	$332
Auto-Owners	$2360	$393
Allstate	$2532	$431
State Farm	$2872	$478

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Car Insurance Rates with An Accident in Syracuse

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Syracuse, UT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Syracuse

The cheapest car insurance companies after an at-fault accident in Syracuse include Farmers Union Insurance and AutoOwners Insurance Co, offering $328 and $439, respectively. Farmers is an expensive provider with an average six-month premium of $3045.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$328	$54
Auto-Owners Insurance Co	$439	$75
Utah Farm Bureau	$519	$86
Encompass	$574	$98
USAA	$661	$111
Nationwide	$723	$122
Progressive	$797	$134
Auto-Owners	$1044	$176
American Family	$1050	$177
Farm Bureau	$1600	$272
Allstate	$1983	$334
State Farm	$2217	$373
Farmers	$3045	$508

Syracuse Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Syracuse UT. For example, the car insurance in Syracuse after a DUI increases to $1019 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Syracuse auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1137	$189
One Med/PIP claim	$1143	$194
Not-at-fault accident	$1168	$194
One comp claim	$1168	$199
Two Med/PIP claims	$1168	$194
Two comp claims	$1180	$201
Failure to show documents	$1291	$215
Child safety restraint	$1328	$226
Driving without lights	$1328	$222
Failure to wear a seat belt	$1328	$226
Driving with expired registration	$1353	$226
Cell phone violation	$1396	$237
Texting while driving	$1396	$233
Wrong way/wrong lane	$1396	$237
Driving too slowly	$1402	$234
Failure to yield	$1402	$238
Following too closely	$1402	$234
Illegal turn	$1402	$238
Speeding 6 - 10 MPH over limit	$1402	$234
Failure to stop at a red light	$1408	$239
Speeding 11 - 15 MPH over limit	$1408	$235
Speeding 16 - 20 MPH over limit	$1408	$239
Speeding in school zone	$1408	$235
Improper passing	$1414	$240
In 65 MPH zone	$1464	$244
Speeding 21 - 25 MPH over limit	$1489	$253
Passing school bus	$1494	$250
At-fault accident - less than $1000	$1576	$268
Operating a vehicle without permission	$1649	$275
At-fault accident - $1000-$2000	$1693	$288
Open container	$1705	$284
At-fault accident - greater than $2000	$1717	$292
Reckless driving	$2125	$355
Driving with a suspended license	$2137	$363
Refusal to submit to a chemical test	$2137	$357
DUI	$2156	$366
Racing	$2156	$360
Leaving scene of an accident/hit and run	$2248	$383

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Syracuse after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Syracuse.

The cheapest car insurance premiums in Syracuse are offered by Utah Farm Bureau at $383 for a six-month policy. However, it can be as expensive as $3404 with companies like State Farm.

Syracuse car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$383	$66
Farmers Union Insurance	$414	$69
Kemper	$475	$81
Progressive	$685	$115
USAA	$1007	$170
Nationwide	$1130	$190
American Family	$1143	$192
Farm Bureau	$1174	$196
Allstate	$1501	$253
Auto-Owners	$2286	$381
Farmers	$2736	$465
State Farm	$3404	$573

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Syracuse are offered by Farmers Union Insurance at $259. However, it can be as expensive as $2824 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Syracuse after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$259	$44
Nationwide	$265	$45
Auto-Owners Insurance Co	$359	$61
Progressive	$704	$119
American Family	$803	$135
USAA	$840	$140
Auto-Owners	$872	$148
Farm Bureau	$1174	$196
State Farm	$1519	$258
Allstate	$1594	$265
Farmers	$2824	$480

Car Insurance Price Trends in Syracuse, Utah

Car insurance rates in Syracuse have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Syracuse remained steady at $223 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Syracuse remained steady at $71 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Syracuse?

The car insurance in Syracuse is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Syracuse?

The cheapest car insurance in Syracuse is $76 per month for full coverage.

How much is car insurance in Syracuse for teenagers?

Car insurance for teenagers costs $321 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Syracuse?

The average cost of car insurance is $952 for a six-month policy. It will cost around $166 per month to insure your car in Syracuse.

Is car insurance expensive in Syracuse?

Car insurance can be expensive in Syracuse if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Syracuse can be affordable.

What is the best car insurance in Syracuse, UT?

The best car insurance company in Syracuse UT is Farmers Union Insurance, offering $445 for a six-month policy.