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Cheap Auto Insurance Quotes in Buffalo, NY (May 2022)
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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.
The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times.
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 Age||Avg. Monthly Cost|
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 History||Avg. Monthly Cost|
|Failure to Stop for Red Light / Stop Sign||$203|
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 Tier||Avg. Monthly Cost|
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.
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.
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.
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.
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:
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.
Most Popular Car in Buffalo
City with the Most Speeding Tickets Rank in New York
City with the Most Moving Violations Rank in New York
City with the Most DUIs Rank in New York
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.
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.
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.
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.
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.
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.
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.
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'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.