Cheap Auto Insurance in Buffalo, New York (2026)

Back in the early 1900s, Buffalo was a hub for auto manufacturing. Around that same time, the earliest car insurance policies were being sold in the U.S. — at a cost undoubtedly much lower than the overall average $186 per month modern-day Buffalo motorists face. Queen City drivers pay rates that are, on average, higher than New York state average auto insurance costs.

Buffalo had more than 8,000 traffic accidents in 2022, according to New York state data.^[1] Nearly 30% of those occurred on roads that were wet, slushy, snow-covered, or icy. Due to its location near Lake Erie, Buffalo is among the snowiest cities in the U.S. Bad weather can lead to more accidents in an area, which in turn helps increase auto insurance costs.

Buffalo drivers can find the most affordable coverage for their needs by comparing car insurance quotes from multiple insurers.

Best car insurance companies in Buffalo

The auto insurance company that best fits your needs depends on your situation. For instance, one insurer might offer better rates for someone with a bad driving record than another insurer does. Or you might find that a certain insurer provides attractive discounts that others don’t have.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
CSAA	8.5	$236	$89	Low rates
Safeco	8.1	$134	$191	Policy customization
Liberty Mutual	7.7	$334	$93	Discounts

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low rates: CSAA

Low rates

Compare Quotes

User Reviews	4.5 484 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$133/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$279/mo

Hide Details

Driver Reviews

4.5

Best choiceBased on 2,305 verified guest reviews and ratings

How drivers feel about CSAA

Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.

AI-generated from the text of verified reviews collected by Insurify

Best For

AAA members

Customer service

Membership perks

How drivers feel about CSAA

Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.

AI-generated from the text of verified reviews collected by Insurify

Best For

AAA members

Customer service

Membership perks

Reviews (484)

Cheryl

Verified Review

Only moderately satisfied

Reviewed in Mississippi on January 2026

The price quoted and the first payment were made, but the subsequent payments increased. I was forced to use auto-pay, which I don't find necessary at 72 years old. I was supposed to be auto-billed on 2/2, and today, 2/5, I still haven't been billed. That's not acceptable.

James

Verified Review

Disappointed

Reviewed in Georgia on December 2025

Home insurance is GREAT but car insurance is too expensive.

Sandra

Verified Review

I've been with them for some time now and I'm not sure if they're the best for me right

Reviewed in Minnesota on November 2025

I feel the rates really went up after we had claims that weren't our fault, but otherwise, it was alright.

Previous

1234…25

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

664

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.28

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

CSAA is a regional insurer, serving New York and 15 other states. The company offers auto, homeowners, and other types of insurance to members of AAA. With rates that are significantly lower than some competitors, CSAA may be a good, cheap option for AAA members or anyone willing to join AAA.

Pros

• Lowest rates for Buffalo drivers

• A+ financial strength rating from AM Best

Cons

• Limited to AAA members

• No ratings on Trustpilot

Best insurer for policy customization: Safeco

customization

Compare Quotes

User Reviews	4.3 523 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$87/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$140/mo

Show Details

Driver Reviews

4.3

Best choiceBased on 971 verified guest reviews and ratings

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Reviews (523)

Kerry

Verified Review

Overall, happy with Safeco except for the outrage

Reviewed in Texas on January 2026

It has been a good experience. My only complaint would be what I’m paying for liability only.

Joy

Verified Review

Review of My Statement

Reviewed in New York on January 2026

A more reasonable rate would be nice. I have not had any accidents, tickets, or DUIs in over 10 years, but I’m paying over $1300 per year.

Benjamin

Verified Review

Family-oriented and caring

Reviewed in Minnesota on January 2026

Erik and his team are always checking in with you throughout the year. I've never experienced that from another company in the last 33 years of driving. When you call them, they actually answer, not some robot voice or secretary. Good business. Happy to have found them.

Previous

1234…25

Next

See all Safeco reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

613

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

While it’s owned by Liberty Mutual, Safeco is its own company. Founded in 1923, Safeco offers auto insurance as well as coverage for your home, motorcycle, identity, boat, and more. Safeco is well known for its customizable plan options that let you add new vehicles or rental car reimbursement, as well as roadside assistance, to your existing plan.

Pros

• Diminishing deductible and accident forgiveness perks

• Plenty of customization options

Cons

• Online quotes aren’t available

• Below-average J.D. Power customer satisfaction scores^[3]

Best insurer for discounts: Liberty Mutual

Discounts

Compare Quotes

User Reviews	3.4 1,841 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.7 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$101/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$361/mo

Show Details

Driver Reviews

3.4

A solid optionBased on 3,365 verified guest reviews and ratings

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

Reviews (1,841)

Jacqueline

Verified Review

Price Hacking

Reviewed in Michigan on January 2026

Prices on homeowners insurance doubled after refinancing.

Mh

Verified Review

He who has the gold rules

Reviewed in Arizona on January 2026

Get insurance where you can decide how much coverage you want. I have two cars: an 11-year-old car and a 2023 model. I wanted minimum coverage for the 11-year-old car and full coverage for the 2023. But Liberty did not let me decide for my 11-year-old car. They had their rules set for their benefit.

Deborah

Verified Review

Good

Reviewed in Washington on January 2026

Still expensive for full coverage. Hoping to find full coverage with a more reasonable cost.

Previous

1234…25

Next

See all Liberty Mutual reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

612

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

4.28

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Liberty Mutual was founded in 1912 and today is the fifth-largest property and casualty insurer in the world. It also ranks 86th on the Fortune 100. Liberty Mutual offers both personal and commercial insurance lines as well as mutual investments. Its auto coverage is augmented by numerous discounts, including student away, good student, early shopper, military, and homeowner discounts.

Pros

• Comprehensive suite of digital tools

• A (Excellent) rating for financial stability from A.M. Best

Cons

• Airbag and defensive driving discounts aren’t available

• Low BBB customer reviews^[4]

How to get the cheapest car insurance in Buffalo

The rate you pay for car insurance depends on several factors, including your:

• Driving record: Bad drivers tend to pay more for coverage than good drivers.

• Age: Drivers younger than 25 and in their 60s and beyond usually pay more than other drivers do.

• Gender: Men generally pay more than women because they’re viewed as riskier drivers.

• Type of car: If you drive a car that’s expensive to repair, is prone to theft, or has a poor safety record, it’ll probably cost more to insure.

• Geographic location: Coverage for a motorist in a ZIP code known for car thefts, vehicle vandalism, and car accidents might cost more than coverage for someone in a safer area.

Here are four tips for finding cheap car insurance in Buffalo:

• Compare online quotes from several car insurance companies in the area.

• Consider raising your deductible. This will lower your premium because you’re taking on more of the up-front risk yourself. Just be sure you don’t set your deductible so high you can’t afford to pay it should you need to file a claim.

• Bundle your car insurance with another coverage (such as homeowners insurance) from the same company.

• Ask about discounts, including those for maintaining a good driving record or completing a defensive driving course.

Cheapest liability-only car insurance in Buffalo: Liberty Mutual

Liability-only car insurance covers injuries to another person and damage to another person’s car in an accident that you cause. This might include bodily injury, property damage, personal injury protection (PIP), uninsured/underinsured motorist, and medical payments coverage.

If you own a vehicle that's paid off, is older, and less expensive, a liability-only policy can help you save money on car insurance. But you won't be able to buy minimum coverage if your lease or finance your vehicle.

Below, you can see a list of the most affordable liability-only insurance company quotes in Buffalo.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Liberty Mutual	$101
Erie	$135
USAA	$141
Travelers	$164
State Farm	$192
Allstate	$202
Nationwide	$205
GEICO	$216
Progressive	$323
Chubb	$375

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Buffalo: Erie

Full-coverage car insurance features liability, comprehensive, and collision coverages. In New York, and in most other states, motorists must carry some form of liability insurance. Comprehensive and collision are optional, but if you bought or leased your car, your lender might require both types of coverage.

Here’s a collection of the lowest average monthly quotes for full coverage in Buffalo.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Erie	$151
USAA	$158
Travelers	$184
State Farm	$215
Allstate	$226
Nationwide	$230
GEICO	$238
CSAA	$279
Liberty Mutual	$361
Chubb	$420
Progressive	$492

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in New York

New York requires motorists to carry two types of auto liability coverage — bodily injury liability and property damage liability — along with PIP and uninsured motorist coverage to meet the state’s minimum requirements.^[5]

Here’s a closer look at what those coverage levels include.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 for bodily injury and $50,000 for death of one person $50,000 for bodily injury and $100,000 for death of two or more people in an accident
Property damage liability	$10,000 for property damage per accident
Personal injury protection (PIP)	$50,000 per person per accident
Uninsured motorist	$25,000 for bodily injury and $50,000 for death of one person $50,000 for bodily injury and $100,000 for death of two or more people in an accident

It’s also important to note that Loretta Worters, vice president of media relations for the Insurance Information Institute, says the state’s liability limits are “woefully inadequate” in today’s lawsuit-heavy environment. She says the institute recommends that motorists carry liability coverage with limits of $100,000 and $300,000 for bodily injury and $100,000 for property damage.

From there, you may want to think about optional coverages. Types of optional coverage available in New York include:

• 

  Comprehensive coverage

  No matter who’s at fault, this covers damage to your car from a crash with another vehicle/object or when your car overturns.

• 

  Collision coverage

  Regardless of who’s at fault, this coverage pays for losses not caused by a crash, such as theft, fire damage, and flood damage.

• 

  Additional PIP coverage

  This raises the dollar limit for no-fault benefits, which cover claims you file with your car insurance company regardless of fault.

• 

  Supplementary uninsured/underinsured motorist coverage

  This covers liability for injuries suffered in an accident. It goes beyond mandatory coverage by expanding coverage for uninsured motorists and adding coverage for underinsured motorists.

• 

  Medical payments coverage

  No matter who’s at fault, this coverage pays for medical expenses and funeral expenses for you and your passengers when you’re in a crash.

Cheapest car insurance for drivers with an incident

Incidents that might drive up the cost of car insurance include at-fault accidents, speeding tickets, driving under the influence, and other traffic violations. In some cases, a driver with one of these incidents on their record might pay hundreds of dollars more each month for car insurance.

Why do drivers with incidents on their record generally pay more? Because insurers view them as riskier drivers who may be more likely to file costly claims in the future. In the sections that follow, you’ll see how individual incident types can affect your insurance rates in Buffalo.

Find Car Insurance in Buffalo

Minimum-coverage policies start at $101/mo. in Buffalo

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 7,669+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket: Liberty Mutual

Being hit with a speeding ticket may cost you more than just the court fines and fees. Your car insurance company might bump up your premium as well. That’s because insurers believe a speeding ticket means you’re engaging in risky behavior, which could indicate you’re more likely to be in an accident and file a claim.

Buffalo drivers with speeding tickets see average car insurance rates of $269 per month for full coverage and $229 for liability only. Here, you can see how having a speeding ticket on your record affects the liability-only quotes you’ll receive from insurers.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Clean Record	With Ticket
Liberty Mutual	$101	$133
Erie	$135	$184
USAA	$141	$188
Travelers	$164	$219
State Farm	$192	$251
Allstate	$202	$271
Nationwide	$205	$274
GEICO	$216	$291
Progressive	$323	$432
Chubb	$375	$491

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Liberty Mutual

Your car insurance rates can rise by 10% following an at-fault accident, according to Insurify data. In this case, an insurer might hike your rates to offset the expenses associated with your accident claim. Fortunately, your rates shouldn’t spike as much if you’ve been involved in an accident that someone else caused.

In Buffalo, an at-fault accident can increase monthly car insurance rates to $287 on average for full coverage and $245 for liability-only policies. Here’s a breakdown of monthly quotes for drivers with an at-fault accident in Buffalo.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Clean Record	With Accident
Liberty Mutual	$101	$140
Erie	$135	$185
USAA	$141	$196
Travelers	$164	$228
State Farm	$192	$263
Allstate	$202	$280
Nationwide	$205	$285
GEICO	$216	$290
Progressive	$323	$462
Chubb	$375	$515

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Liberty Mutual

Driving under the influence (DUI) of drugs or alcohol can be dangerous and put a big dent in your budget. Aside from being stuck with potentially thousands of dollars in fines and legal expenses, a DUI conviction could double the amount you pay each month for car insurance. On top of that, a DUI in the state of New York stays on your driving record for 15 years after the date of your conviction.

Lastly, should you be convicted of a DUI, your insurance company may drop you, leaving you to look for a new insurer. Buffalo drivers convicted of driving under the influence can expect average car insurance rates of $347 per month for full coverage and $296 for liability-only coverage. Here’s a look at the quotes you can expect to see in Buffalo with a DUI on your record.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Clean Record	With DUI
Liberty Mutual	$101	$161
Erie	$135	$215
USAA	$141	$225
Travelers	$164	$262
State Farm	$192	$307
Allstate	$202	$323
Nationwide	$205	$328
GEICO	$216	$342
Progressive	$323	$558
Chubb	$375	$600

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Liberty Mutual

Middle-aged drivers generally pay less for car insurance than younger drivers because they’re more experienced and statistically less likely to engage in risky behavior. However, while rates typically go down from age 25 into the 60s, they may rise again once drivers reach their 70s or 80s. This is because drivers in this age group tend to get into more accidents on a per-mile basis, due in part to delayed reaction speed. They also might suffer more devastating injuries in a crash.

Car insurance for Buffalo seniors averages $142 per month for full coverage and $121 for liability. Below is a collection of the most affordable insurance quotes for seniors in the Buffalo area.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
Liberty Mutual	$76	$273
Erie	$93	$104
USAA	$104	$116
Travelers	$118	$133
State Farm	$136	$153
Nationwide	$141	$158
Allstate	$149	$166
GEICO	$155	$171
Progressive	$228	$348
Chubb	$254	$285

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Liberty Mutual

Car insurance for teen drivers generally costs more than it does for drivers in other age groups. That’s because teen drivers are less experienced than other motorists, are inclined to be involved in more accidents, are easily distracted behind the wheel, and might be more reckless.

Parents trying to save money on their teen driver’s insurance should:

• Compare quotes from several insurance companies.

• Look into discounts for earning good grades in school and help their teen work to qualify for them.

• Complete an approved driver education course.

• Bundle car insurance with other coverage from the same company, such as homeowners insurance.

• Keep the teen driver on their existing policy rather than putting the teen on a separate policy.

Buffalo teens can expect average car insurance rates of $325 per month for full coverage and $277 for liability. Here’s a look at the most affordable insurance quotes for teens in Buffalo.

The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
Liberty Mutual	$168	$601
Erie	$236	$263
USAA	$247	$277
Travelers	$323	$362
State Farm	$353	$395
GEICO	$367	$405
Allstate	$380	$425
Nationwide	$380	$427
Progressive	$523	$796
Chubb	$741	$830

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Buffalo

Unlock discounts for teens and students when you compare rates

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 7,669+ reviews

4.8/5

Buffalo car insurance quotes by credit tier

New York allows car insurers to use credit-based insurance scores as part of their rate-setting process. Insurers say these scores help predict whether a driver will file a claim.

Because of their credit-based insurance score, someone with a poor credit score might pay more for car insurance than someone with an excellent or good credit score. Insurify data shows a Buffalo driver with poor credit pays about 100% more per month for car insurance than one with excellent credit does.

Is car insurance more expensive in Buffalo?

Car insurance in Buffalo is more expensive than the average cost of car insurance for the state of New York, but still less than the national average. In Buffalo, the average monthly costs are $201 for full coverage and $171 for liability, which is higher than the New York averages of $177 and $157.

But Buffalo drivers still have lower average rates than costs at the national level. Nationally, full-coverage car insurance averages $175 per month and liability-only coverage averages $99.

More cities in New York

Location significantly affects the cost of car insurance among cities in the same state. Here are average monthly rates in some other New York cities.

City	Full Coverage	Liability Only
New York	$225	$216
Rochester	$145	$111
Staten Island	$215	$189
Syracuse	$168	$115
Yonkers	$310	$217

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Buffalo car insurance FAQs