Cheap Auto Insurance Quotes in Buffalo, NY (2021)

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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. 

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.

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Cheapest Car Insurance in Buffalo, NY

Here are the cheapest carriers in Buffalo for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Buffalo. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Buffalo, NY Driving Facts

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.

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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
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 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.

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

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.

Conclusion: 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.

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

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Buffalo stacks up for the state of New York:

chevrolet
Chevrolet Malibu
Most Popular Car in
Buffalo, NY
suspended licenses
#33
Cities with Most
Suspended Licenses Rank

FAQs - Buffalo, NY Car Insurance

How do I make sure my vehicle is ready for Buffalo winter?

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.

What are the penalties of driving uninsured in Buffalo?

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.

Which car insurance company offers the cheapest rates in Buffalo?

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.