Cheap Auto Insurance in Buffalo, New York (2025)

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 $322 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	$166	$89	Low rates
Safeco	8.1	$134	$162	Policy customization
Liberty Mutual	7.7	$294	$113	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

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User Reviews	4.5 452 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.	$166/mo

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Driver Reviews

4.5

Best choiceBased on 2,148 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 (452)

Kenneth

Verified Review

Excellent

Reviewed in Michigan on July 2025

Good company but too expensive for auto.

Murry

Verified Review

AAA is the best, including price

Reviewed in California on July 2025

We think CSAA is expensive, but everyone else is more, often a lot more.

Gary

Verified Review

Quality Insurance That's Affordable

Reviewed in Wisconsin on June 2025

Shop rates annually to keep insurance companies honest.

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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

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User Reviews	4.4 492 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.	$190/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.	$134/mo

Show Details

Driver Reviews

4.4

Best choiceBased on 877 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 (492)

Judith

Verified Review

Good coverage at a high price

Reviewed in South Carolina on July 2025

Cost was my only reason for changing carriers.

Judith

Verified Review

Driving 2,000 miles last year has become very expensive with latest insurance rates

Reviewed in Washington on July 2025

They were good about handling an accident claim five years ago, but when I talked to someone about better insurance rates, they never called back.

Donald

Verified Review

DC insurance

Reviewed in Oregon on June 2025

Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.

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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

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User Reviews	3.5 1,738 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.	$113/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.	$294/mo

Show Details

Driver Reviews

3.5

A solid optionBased on 3,030 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 (1,738)

Brenda

Verified Review

Liberty Mutual is not what they claim to be

Reviewed in Arizona on July 2025

Plan on getting absurd rate increases every year regardless of how many miles you drive annually. They charge a 2.95% fee to process your debit card. Expect to wait forever to talk to customer service.

Lesley

Verified Review

Excellent

Reviewed in North Carolina on July 2025

I just need a better quote than what I currently pay with them.

Echo

Verified Review

They Rob Your Wallet

Reviewed in South Carolina on July 2025

They raised rates consistently every 6 months.

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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: CSAA

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.

Cheapest full-coverage car insurance in Buffalo: CSAA

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.

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.

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Cheapest car insurance for drivers with a speeding ticket: CSAA

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 $369 per month for full coverage and $365 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.

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

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 $463 on average for full coverage and $459 for liability-only policies. Here’s a breakdown of monthly quotes for drivers with an at-fault accident in Buffalo.

Cheapest car insurance for drivers with a DUI: CSAA

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 $522 per month for full coverage and $517 for liability-only coverage. Here’s a look at the quotes you can expect to see in Buffalo with a DUI on your record.

Cheapest car insurance for seniors: CSAA

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 $328 per month for full coverage and $325 for liability. Below is a collection of the most affordable insurance quotes for seniors in the Buffalo area.

Cheapest car insurance for teens: CSAA

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 $413 per month for full coverage and $410 for liability. Here’s a look at the most affordable insurance quotes for teens in Buffalo.

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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 $324 for full coverage and $321 for liability, which is higher than the New York averages of $254 and $229.

But Buffalo drivers still have lower average rates than costs at the national level. Nationally, full-coverage car insurance averages $192 per month and liability-only coverage averages $107.

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	$366	$309
Rochester	$213	$145
Staten Island	$256	$228
Syracuse	$196	$176
Yonkers	$377	$373

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