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Cheap Auto Insurance Quotes in Buffalo, NY (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Grab your beef on weck, strap on those snowshoes, and let's jump in.

Car travel is the main mode of transportation for hundreds of thousands of Buffalonians.

Finding the right car insurance policy for you and your lifestyle is a vital step towards safe driving in Buffalo.

With all those cars on the streets, a solid auto insurance policy is vital for every driver in this blizzard-prone city. Search and save on the best car insurance policies today. 

Quick Facts

  • The average cost of car insurance in Buffalo is $233 per month, or $2796 annually.
  • Car insurance in Buffalo is $7 more than the average cost of car insurance in New York.
  • The cheapest car insurance provider in Buffalo on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Car Insurance in Buffalo, NY

The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Buffalo, NY to find you the cheapest quotes in the area.

Quotes by Top Companies

GEICO
$87
Progressive
$117
Liberty Mutual
$198
State Farm
$203

Cheapest Car Insurance in Buffalo, NY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in BuffaloQuotes
GEICO$87 /mo
Progressive$117 /mo
Liberty Mutual$198 /mo
State Farm$203 /mo

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Best Car Insurance in Buffalo, NY

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Buffalo. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$294 /mo
Liberty Mutual82$321 /mo
Travelers80$159 /mo

Average Car Insurance Cost

New York Cities
New York$321/mo
Brooklyn$417/mo
Staten Island$186/mo
Rochester$112/mo
Buffalo$151/mo
New York$237/mo
Rochester
$112
Buffalo
$151
Staten Island
$186
Average for NY
$237
Average for NY
$321
Brooklyn
$417
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in NY

The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liablilty insurance requirements in New York are: 

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

  • $50,000 personal injury protection (PIP) per person per accident

New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.

What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily per person
  • $50,000 uninsured/underinsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Buffalo Car Insurance Rates by Driver Age

As the rates below demonstrate, age greatly influences the amount Buffalo drivers pay for car insurance. While drivers in their 20s shell out an average of $317 a month to be on the road, those just 10 years their senior pay at least $100 less. If you think that’s a nice break, you’ll appreciate being in your 50s, 60s, and 70s in this city. These drivers’ insurance rates land on average around $180. Why the disparity among the ages? Statistics show that drivers in their prime carry less risk and make fewer claims than younger motorists.

Driver's AgeAvg. Monthly Cost
teens$635
20s$318
30s$215
40s$249
50s$187
60s$188
70s$184
80s$133

Buffalo Car Insurance Rates by Driving and Accident History

Insurance rates are relative to the amount of risk a driver represents. Insurance companies have to calculate just how likely it is that you’ll file an insurance claim. Your driver record tells insurance companies a lot of what they need to know. While a spotless driving record is rewarded in Buffalo, insurance rates climb with accidents and other driving offenses. In Buffalo, motorists without any driving offenses can expect to pay an average of $257 for their insurance policy per month. In comparison, drivers with an at-fault accident against them are charged an average of $12 more monthly.

Driving HistoryAvg. Monthly Cost
No Violation$258
Speeding Ticket$222
At-Fault Accident$270
Failure to Stop for Red Light / Stop Sign$203

Buffalo Car Insurance Rates by Credit Tier

Car insurance companies crunch a whole lot of data to determine how much you should pay. While your age and the type of car you drive may not be optional, there is some information about you that is within your control. Your credit score is one such statistic. Though improving your number may take some time, it’s worth paying attention to. In Buffalo, drivers with excellent credit pay an average of $182 for insurance monthly. Drivers with an average score pay an average of 58 percent more.

Credit TierAvg. Monthly Cost
Excellent$183
Good$243
Average$288
Poor$276

Find local Buffalo agents

  • Lawley Service Inc. 

    361 Delaware Ave,
    Buffalo, NY 14202-1622
  • Hoffman Hanafin & Associates, LLC 

    500 Seneca St Ste 303,
    Buffalo, NY 14204
  • M & T Insurance Agency, Inc. 

    285 Delaware Ave Ste 4000,
    Buffalo, NY 14202-1885
  • Northwoods Corp. 

    976 Delaware Ave,
    Buffalo, NY 14209-1800
  • M & T Corporate Insurance & Risk 

    701 Seneca St,
    Buffalo, NY 14210-1351
  • New Buffalo Insurance Agency, Inc. 

    20 E Tupper St,
    Buffalo, NY 14203-1302
  • Queen City Insurance Agency LLC; Michael Sperrazza 

    305 Spindrift Dr,
    Buffalo, NY 14221-7815
  • Insurance Agencies Inc (Amherst) 

    1 Hopkins Rd,
    Buffalo, NY 14221-4641
  • Walsh Duffield Companies Inc. 

    801 Main St,
    Buffalo, NY 14203-1215
  • Assured Partners AP Benefit Advisors LLC 

    1416 Sweet Home Road Suites 5- 6,
    Buffalo, NY 14228-2784
View more

Buffalo DMV Information

The Buffalo Motor Vehicle Department has an outpost in the City on 2nd Street NW. It is generally open from 8 AM to 4:30 PM with varying evening and weekend hours. 

Public Transit in Buffalo 

Buffalo's public transportation system is run by the Niagara Frontier Transporation Authority. With two systems, the Metro Bus and the Metro Rail, many routes run through the city at convenient and frequent times. Longer distance Greyhound bus and Amtrak rail services operate stops throuhout the city to a wider range of destinations. Still, many residents may struggle to rely on public transporation during stormy weather months. Even with these services, most Buffalonians drive cars in and around the city, over 71 percent of households own vehicles, leading to frequent traffic jams. Ridesharing services like Uber and Lyft, plus traditional taxis, are also available in Buffalo.

How to get the best and cheapest car insurance in Buffalo

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 10 percent of vehicles driving uninsured throughout New York, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

FAQs - Buffalo, NY Car Insurance

  • Winter weather can have a big effect on driving in Buffalo in the colder months. Firstly, follow local law enforcement’s instructions, suggestions, and driving bans. Keep a safety kit in your car with a shovel, snow broom, ice scraper, water, snacks, warm clothing, emergency flares, flashlights, batteries, and jumping cables. In serious storms, only travel by car in emergencies or when vitally necessary. It’s best to stay safe at home and not risk the dangers of a snowy drive.
  • Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and New York State SR-22 requirements.
  • The best way to get the cheapest car insurance in Buffalo and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Buffalo Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Buffalo, New York below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Buffalo drivers measure up to their fellow motorists across New York in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

chevrolet

Chevrolet Malibu

Most Popular Car in Buffalo

#9

City with the Most Speeding Tickets Rank in New York

#33

City with the Most Moving Violations Rank in New York

#17

City with the Most DUIs Rank in New York

#27

City with the Most Suspended Licenses in New York

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Buffalo drivers rank 6 in the number of car accidents per driver across all cities in New York.

    • Rank within state: #6
    • Percent of drivers in Buffalo with an accident: 11.69%
    • Drivers in Buffalo, NY with an accident in their driving history pay on average 12.3% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, Buffalo drivers rank 9 in the number of speeding infractions per driver.

    • Rank within state: #9
    • Percent of drivers in Buffalo with a speeding ticket: 6.52%
    • Drivers in Buffalo, NY with a speeding ticket in their driving history pay on average 21.03% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Buffalo drivers rank 17 in the number of DUI’s per driver across all cities in New York.

    • Rank within state: #17
    • Percent of drivers in Buffalo with a DUI: 1.29%
    • Drivers in Buffalo, NY with a DUI in their driving history pay on average -94.84% more than drivers with a clean record
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, Buffalo drivers rank 11 in rude driving infractions.

    • Rank within state: #11
    • Percent of drivers in Buffalo with a reckless driving violation: 1.55%
    • Drivers in Buffalo, NY with a reckless driving violation in their driving history pay on average 5.95% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Buffalo drivers rank 11 in clean driving records across all cities in New York.

    • Rank within state: #11
    • Percent of drivers in Buffalo with clean record: 82.17%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Buffalo drivers rank 12 in failure to yield violations per driver across all cities in New York.

    • Rank within state: #12
    • Percent of drivers in Buffalo with a failure to yield violation: 0.26%
    • Drivers in Buffalo, NY with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, Buffalo drivers rank 6 in the number of reckless driving offenses per driver.

    • Rank within state: #6
    • Percent of drivers in Buffalo with a reckless driving offense: 0.03%
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Buffalo is the Chevrolet Malibu.

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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