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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 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.
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.
| Cheapest Companies | |
|---|---|
GEICO | $87/mo |
Progressive | $117/mo |
 Liberty Mutual | $198/mo |
 State Farm | $203/mo |
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.
| Best Companies | ||
|---|---|---|
 American Family | $294/mo | |
Liberty Mutual | $321/mo | |
 Travelers | $159/mo |
| New York City | $181/mo |
| Brooklyn | $204/mo |
| Bronx | $366/mo |
| Staten Island | $186/mo |
| Buffalo | $151/mo |
| New York | $218/mo |
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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:
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:
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.
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:
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.
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 | |
|---|---|
| teens | $635 |
| 20s | $318 |
| 30s | $215 |
| 40s | $249 |
| 50s | $187 |
| 60s | $188 |
| 70s | $184 |
| 80s | $133 |
| Driving History | |
|---|---|
| No Violation | $258 |
| Speeding Ticket | $222 |
| At-Fault Accident | $270 |
| Failure to Stop for Red Light / Stop Sign | $203 |
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.
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 Tie | |
|---|---|
| Excellent | $183 |
| Good | $243 |
| Average | $288 |
| Poor | $276 |
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Buffalo drivers measure up to their fellow New York motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
