Buffalo, NY Auto Insurance (2024)
The average Buffalo, NY auto insurance rates are $384 per month. The minimum auto insurance in Buffalo is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in Buffalo, New York, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Buffalo, NY for senior drivers are $2,817 per year
- The most expensive auto insurance company in Buffalo for teen drivers is Liberty Mutual
- The cheapest auto insurance company in Buffalo is Geico
Buffalo, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in Buffalo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Buffalo, New York, including driving record, credit, commute time, and more.
Compare auto insurance in Buffalo to other New York cities, including Utica auto insurance rates, Yonkers auto insurance rates, and Albany auto insurance rates to see how Buffalo, New York auto insurance rates stack up.
Before you buy Buffalo, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Buffalo, New York auto insurance quotes.
Minimum Auto Insurance in Buffalo, New York
Buffalo, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Buffalo, New York.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Buffalo, New York Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Buffalo, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,097 | $2,870 | $2,927 | $2,958 | $9,176 | $9,807 | $2,972 | $2,954 |
| Geico | $1,725 | $1,660 | $1,677 | $1,653 | $3,705 | $5,475 | $1,550 | $1,590 |
| Liberty Mutual | $5,605 | $5,605 | $5,217 | $5,217 | $10,944 | $17,790 | $5,605 | $5,958 |
| Nationwide | $3,137 | $3,137 | $2,952 | $2,952 | $5,767 | $8,662 | $3,137 | $4,048 |
| Progressive | $2,197 | $2,021 | $1,738 | $1,769 | $7,623 | $8,423 | $2,822 | $2,703 |
| State Farm | $3,749 | $3,749 | $3,288 | $3,288 | $11,200 | $14,281 | $4,143 | $4,307 |
| Travelers | $2,961 | $2,955 | $2,736 | $2,907 | $7,160 | $8,622 | $3,128 | $3,228 |
| USAA | $2,085 | $2,049 | $1,896 | $1,899 | $8,452 | $10,030 | $2,679 | $2,967 |
Cheap Buffalo, New York Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Buffalo, New York is a challenge. Take a look at the annual teen auto insurance rates in Buffalo, New York.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,176 | $9,807 |
| Geico | $3,705 | $5,475 |
| Liberty Mutual | $10,944 | $17,790 |
| Nationwide | $5,767 | $8,662 |
| Progressive | $7,623 | $8,423 |
| State Farm | $11,200 | $14,281 |
| Travelers | $7,160 | $8,622 |
| USAA | $8,452 | $10,030 |
Cheap Buffalo, New York Auto Insurance for Seniors
What are senior auto insurance rates in Buffalo, New York? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,927 | $2,958 |
| Geico | $1,677 | $1,653 |
| Liberty Mutual | $5,217 | $5,217 |
| Nationwide | $2,952 | $2,952 |
| Progressive | $1,738 | $1,769 |
| State Farm | $3,288 | $3,288 |
| Travelers | $2,736 | $2,907 |
| USAA | $1,896 | $1,899 |
Cheap Buffalo, New York Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Buffalo, New York compared to the annual auto insurance rates with a clean record in Buffalo, New York.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,877 | $3,877 | $5,710 | $4,917 |
| Geico | $1,843 | $2,010 | $3,822 | $1,843 |
| Liberty Mutual | $6,162 | $6,162 | $12,485 | $6,162 |
| Nationwide | $3,195 | $3,195 | $7,235 | $3,270 |
| Progressive | $3,558 | $3,558 | $3,951 | $3,582 |
| State Farm | $5,701 | $5,701 | $6,300 | $6,300 |
| Travelers | $3,566 | $4,514 | $4,578 | $4,191 |
| USAA | $3,568 | $3,626 | $5,210 | $3,626 |
Cheap Buffalo, New York Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Buffalo, New York is not easy. Compare the annual rates for DUI auto insurance in Buffalo, New York to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,710 |
| Geico | $3,822 |
| Liberty Mutual | $12,485 |
| Nationwide | $7,235 |
| Progressive | $3,951 |
| State Farm | $6,300 |
| Travelers | $4,578 |
| USAA | $5,210 |
Cheap Buffalo, New York Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Buffalo, New York annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,677 | $3,835 | $3,274 |
| Geico | $2,982 | $2,190 | $1,966 |
| Liberty Mutual | $10,857 | $7,082 | $5,291 |
| Nationwide | $4,224 | $4,224 | $4,224 |
| Progressive | $5,848 | $2,972 | $2,166 |
| State Farm | $8,476 | $5,312 | $4,214 |
| Travelers | $5,872 | $3,635 | $3,130 |
| USAA | $6,141 | $3,125 | $2,755 |
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Cheap Buffalo, New York Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Buffalo, New York can vary. Compare the annual cost of auto insurance by ZIP code in Buffalo, New York to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 14201 | $4,985 |
| 14202 | $4,978 |
| 14203 | $5,027 |
| 14204 | $5,051 |
| 14206 | $4,548 |
| 14207 | $4,790 |
| 14208 | $4,976 |
| 14209 | $4,972 |
| 14210 | $4,577 |
| 14211 | $5,081 |
| 14212 | $4,867 |
| 14213 | $4,990 |
| 14214 | $4,815 |
| 14215 | $4,949 |
| 14216 | $4,719 |
| 14217 | $4,542 |
| 14218 | $4,002 |
| 14219 | $4,013 |
| 14220 | $4,546 |
| 14221 | $4,206 |
| 14222 | $4,928 |
| 14223 | $4,502 |
| 14224 | $4,442 |
| 14225 | $4,472 |
| 14226 | $4,355 |
| 14227 | $4,393 |
| 14228 | $4,162 |
| 14260 | $4,431 |
| 14261 | $4,398 |
Cheap Buffalo, New York Auto Insurance Rates By Commute
Commute length and annual mileage affect Buffalo, New York auto insurance. Find the cheapest annual Buffalo, New York auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,532 | $4,659 |
| Geico | $2,309 | $2,449 |
| Liberty Mutual | $7,525 | $7,961 |
| Nationwide | $4,224 | $4,224 |
| Progressive | $3,662 | $3,662 |
| State Farm | $5,777 | $6,225 |
| Travelers | $4,212 | $4,212 |
| USAA | $3,967 | $4,048 |
Cheap Buffalo, New York Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Buffalo, New York? Check out the comparison of annual Buffalo, New York auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,247 | $4,574 | $4,964 |
| Geico | $2,235 | $2,371 | $2,532 |
| Liberty Mutual | $7,377 | $7,719 | $8,133 |
| Nationwide | $3,950 | $4,187 | $4,534 |
| Progressive | $3,456 | $3,641 | $3,889 |
| State Farm | $5,651 | $6,041 | $6,310 |
| Travelers | $3,930 | $4,154 | $4,552 |
| USAA | $3,872 | $3,984 | $4,166 |
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Best By Category: Cheapest Auto Insurance in Buffalo, New York
Compare the cheapest auto insurance companies in Buffalo, New York in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
The Cheapest Buffalo, New York Auto Insurance Companies
What auto insurance companies in Buffalo, New York are the cheapest? Compare the top Buffalo, New York auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,595 |
| Geico | $2,379 |
| Liberty Mutual | $7,743 |
| Nationwide | $4,224 |
| Progressive | $3,662 |
| State Farm | $6,001 |
| Travelers | $4,212 |
| USAA | $4,007 |
What affects auto insurance rates in Buffalo, New York?
There are a lot of reasons why auto insurance rates in Buffalo, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Buffalo, New York. Many local factors may affect your Buffalo auto insurance rates.
Buffalo Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Buffalo, New York commute length is 21.0 minutes according to City-Data.
Buffalo Traffic
How does Buffalo, New York rank for traffic? According to Inrix Buffalo, New York is the 716th most congested worldwide.
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Compare Buffalo, New York Auto Insurance Quotes
Before you buy Buffalo, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Buffalo, New York auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between a vehicle owner and an insurance company that provides financial protection against losses incurred due to accidents, theft, or other covered events involving the insured vehicle. It helps cover the cost of repairs, medical expenses, and liability claims resulting from an accident.
Is auto insurance mandatory in Buffalo, NY?
Yes, auto insurance is mandatory in Buffalo, NY, as it is in most states. New York State law requires all drivers to carry a minimum amount of liability insurance coverage for bodily injury and property damage.
What are the minimum auto insurance requirements in Buffalo, NY?
In Buffalo, NY, the minimum auto insurance requirements include:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage
What does liability insurance cover?
Liability insurance covers damages or injuries you may cause to others in an accident where you are at fault. It helps pay for the other party’s medical expenses, property damage, and legal fees if a lawsuit is filed against you.
What other types of auto insurance coverage are available?
In addition to liability insurance, there are several other types of auto insurance coverage options available, including:
- Collision coverage: Helps pay for repairs or replacement of your vehicle in case of a collision, regardless of fault.
- Comprehensive coverage: Covers damages to your vehicle caused by non-collision events, such as theft, vandalism, fire, or natural disasters.
- Personal injury protection (PIP): Provides coverage for medical expenses and other accident-related costs, regardless of fault.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has little or no insurance.
How are auto insurance rates determined in Buffalo, NY?
Auto insurance rates in Buffalo, NY are determined based on various factors, including your driving record, age, gender, type of vehicle, coverage limits, and the deductible you choose. Insurance companies also consider local factors such as the area’s crime rate and accident statistics when determining rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.