The effect of driving habits on car insurance in Buffalo
Your driving record has a significant impact on the cost of your car insurance in Buffalo. If you have a history of tickets, accidents, or other traffic violations, you can expect to pay more for car insurance than a driver with a clean record.[2] The following tables show the average car insurance premiums for drivers with various violations.
Cheapest car insurance with a clean record in Buffalo: Safeco
If you have a clean driving record, it means you’ve had no recent accidents, speeding tickets, or violations. In Buffalo, the cheapest car insurance company for a driver with a clean driving record is Safeco, with an average premium of $174 per month.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with an accident in Buffalo: Safeco
Safeco has the cheapest rates for Buffalo drivers who have accidents on their records, according to Insurify data. The average premium from Safeco for a driver with an accident is $250 per month for full coverage, which is about $76 higher than Safeco’s rate for a clean record.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a DUI in Buffalo: Safeco
If you’ve been convicted of driving under the influence, Safeco is the cheapest car insurance company, according to Insurify’s rate analysis. A DUI is a serious traffic violation, and drivers with a DUI usually see a significant increase in their car insurance premiums.[9] Below are the cheapest car insurance companies for drivers with a DUI in Buffalo:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in Buffalo: Safeco
Safeco stands out as one of the best cheap car insurance companies for drivers in Buffalo with a speeding ticket. The difference between Safeco’s average rates for drivers with a clean record and drivers with a speeding ticket is about $60 per month. Here are the cheapest companies for drivers with a speeding ticket in Buffalo:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other New York cities
Car insurance rates can vary widely based on ZIP code, even among cities in the same state. Here are car insurance rates in some other New York cities: