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Cheap Car Insurance in Syracuse, New York

It’s not hard to find cheap car insurance in Syracuse, a college town officially awarded the title “Little Italy” in 2003. Home to 143,378 residents as well as Syracuse University, the city is known for the bakeries, pizzerias, clubs and cafes reflecting the strong Italian influence of the city’s original inhabitants.

Once part of the Underground Railroad, the historic “Freedom Trail” runs through the city. The Erie Canal Museum, an annual Polish Festival and Syracuse Shakespeare Festival also draw visitors here. The New York State Fairgrounds only minutes northwest. Located in Onondaga County and prone to heavy snowfall in the winter, Syracuse encompasses the eastern shore of Onondaga Lake.

Driving Conditions in Syracuse

Syracuse is roughly halfway between Rochester and Albany on I-90, known as the New York State Thruway. I-90 is a toll road that intersects Interstate 81 just north of the city.

Interstate 690 runs east-west through Syracuse, meeting I-81 in downtown in a complex intersection that is often under construction.

The downtown portion of I-81 is now to be very narrow, with four lanes and almost no on-ramps. The average commute time is only 21 minutes, much less than the U.S. average of just under 26 minutes. For updates and information on traffic delays, accidents and road conditions, visit

Unique Laws in Syracuse

Syracuse City Council in 2014 passed a “ban the box” ordinance, designed to make it easier for ex-convicts to apply and get jobs with the city or its contractors. Two years later in an effort to reduce poverty and unemployment, the city enacted a new law requiring contractors to employ Syracuse residents on city projects.

Statewide, antiquated New York laws require a license be purchased before hanging clothes on a line and ban activities such as holding a window of a home for a puppet show or carrying an ice cream cone in one’s pocket on Sunday – a law that may have come from the blue law days when eating ice cream on Sundays was not allowed. Two or more people wearing masks may not gather in public, an 1845 New York law states.

A more recent law bans people from taking selfies with tigers, which is meant to prevent mauling.

Syracuse Crime Statistics

FBI statistics compiled for 2016 show 1,063 violent crimes were reported in Syracuse, 30 of which were murder or manslaughter. The local violent crime rate of 738 offenses per 100,000 residents is far above the average U.S. violent crime rate of 386 per 100,000. The property crime rate in Syracuse was 3,238 per 100,000 residents, also above the U.S. average, which is 2,451 property crimes per 100,000 residents.

Within the city, 340 vehicles were stolen in 2016, FBI data shows, a rate of 236 per 100,000 residents. The national average is 220 incidents per 100,000 people, according to the National Insurance Crime Bureau.

Syracuse Safety Requirements

State law requires front seat passengers and those under 16, regardless of seating, to wear seat belts. Children under 4 must ride in safety seats. Car seats or boosters used “must comply with the child height and weight recommendations determined by the manufacturer,” according to the New York State Department of Motor Vehicles.

Children over 4 feet, 9 inches tall or more than 100 pounds may ride with seat belts only.

Using a cellphone without a hands-free device is illegal, and texting while driving has been against New York laws since 2011. Fines for cellphone use were increased in 2014.

Syracuse Impaired Driving Laws

The legal limit for drivers over 21 in New York is a blood/breath alcohol level of .08. For commercial vehicles, the limit is .04, or “other evidence of impairment,” according to New York State’s Department of Motor Vehicles.

For those under 21, the threshold is .02. First offenders receive a fine, license revocation for 6 months and a possible jail sentence.

A BAC of .18 or higher qualifies for an aggravated DWI charge, punishable by at least a one-year license revocation. For cheap car insurance in Syracuse, contact us to learn the various discounts available.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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