Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 12, 2020

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Here's what you need to know...

  • Finding the best car insurance company in Buffalo is an important decision
  • The minimum car insurance requirements for Buffalo are set by the state of New York
  • Several well-known insurance companies service the Buffalo area as do local agencies
  • Know what factors will impact your rates when searching for car insurance in Buffalo
  • Make sure you do a thorough comparison before committing to one insurance provider

The state of New York has an electronic system set up to monitor who has car insurance in Buffalo and who doesn’t.

Every time a car insurance company sells insurance or a policy is canceled, they are required to update the electronic system so that all law enforcement agencies in the state are notified.

This system instantly updates which will immediately affect your ability to drive legally

If you are caught driving without insurance, immediate suspension of your registration and license may occur. In addition, to reinstate your legal status as a driver, fees sometimes expensive will need to be paid. Don’t let this happen.

Compare car insurance companies with our FREE search! Just enter your ZIP code and gain access to all of the top car insurance companies!

Buffalo History

Buffalo is the second largest city in New York State after New York City. It is located in Erie County and has a population of about 260,000 residents.

In 1789, Buffalo started out as a small trading community. By 1900, it was the 8th largest city in the USA. At this time, the city found itself a shipping hub for goods by water and railway.

As conditions changed and trade routes were modified, Buffalo lost its significance and became just a shadow of its former self as a player in international trade.

Nowadays, thanks to The University at Buffalo and the Buffalo Niagara Medical Campus, the city is experiencing solid growth despite worldwide financial instability.

Healthcare and education are the dominant sectors for the area, and commerce is also boosted by regular visitors from Canada who come to take advantage of the low prices on this side of the border. Buffalo is an exceptional place to live.

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Buffalo Auto Insurance Requirements

In the charts below you will find helpful information about car insurance rates in Buffalo, NY.

Monthly Buffalo, NY Car Insurance Rates by ZIP Code

Check out the monthly Buffalo, NY auto insurance rates by ZIP Code below:

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Buffalo, NY Car Insurance Rates by Company vs. City Average

Which Buffalo, NY auto insurance company has the cheapest rates? And how do those rates compare against the average New York auto insurance company rates? We’ve got the answers below.

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The Cheapest Buffalo, NY Car Insurance Rates by Credit Score

Your credit score will play a major role in your Buffalo auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Buffalo, NY auto insurance rates by credit score below.

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Buffalo, NY Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Buffalo, NY stack up against other top metro auto insurance rates? We’ve got your answer below.

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The Cheapest Buffalo, NY Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Buffalo auto insurance rates. Find the cheapest Buffalo, NY auto insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Buffalo, NY

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. New York does use gender, so check out the average monthly auto insurance rates by age and gender in Buffalo, NY.

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Buffalo, NY Car Insurance Rates by Company and Age

Buffalo, NY auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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The Cheapest Buffalo, NY Car Insurance Rates by Driving Record

Your driving record will play a major role in your Buffalo auto insurance rates. For example, other factors aside, a Buffalo, NY DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Buffalo, NY auto insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Buffalo, NY

Factors affecting auto insurance rates in Buffalo, NY may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Buffalo, New York auto insurance.

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Savvy Car Insurance Shopping Tips

Car insurance can be found in Buffalo for a reasonable price with enough coverage for you and those precious to you. To receive the best value, make a thorough search of the car insurance coverage options available today.

This cannot be cursory as one knows that quick searches do not always yield the greatest prize.

Car insurance is no small investment because of the importance of the decision. Part of savvy shopping requires you to visit a healthy sampling of agents and to tabulate the offers you receive.

Then you must be judicious with a thorough comparison which will award you with not only a fair price but also a policy that thoroughly fulfills your needs.

What insurance is required in Buffalo?

In the city of Buffalo, you’ll find that the minimum requirements for car insurance are set by the state of New York.

As with most places in the USA, a driver in Buffalo must register the car and obtain license plates.

In order to register, the driver must first acquire proof of financial responsibility which can be done in several ways. The most popular way is to purchase liability insurance meeting or exceeding the minimums imposed by the state.

Of course, a driver may also purchase greater coverage than the minimum and most drivers do.

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Here are the minimum insurance requirements as set by New York car insurance laws which also applies in Buffalo. There are 3 categories:

  1. No-Fault Insurance also referred to as PIP (Personal Injury Protection): designed to cover medical expenses and other miscellaneous costs for the driver regardless of who was at fault
  2. Liability insurance helps to cover expenses incurred when you are at fault and a person or persons need medical care, or property damage expenses need to be paid
  3. Uninsured Motorists helps to cover your expenses when the other driver has no coverage

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Buffalo Car Insurance Companies

There may be hundreds of companies that will provide car insurance in New York and specifically in Buffalo.

Here’s a rather short list of some of the major companies you will probably run across during your search. They may have policies that fit your needs at a price that is reasonable.

  • State Farm Insurance
  • Liberty Mutual
  • Geico
  • Hartford Insurance
  • Sentinel Insurance
  • Allstate Insurance
  • American States Insurance

The Commission Factor

Many agents are doing an excellent job and have happy customers in the state of New York.

Purchasing car insurance in Buffalo from an agent is commonly done, although more insurance is being bought over the internet all the time.

One key thing to watch out for when shopping with the help of an agent is the commission factor. Agents are paid a commission when they sell insurance. They want to sell policies quickly and easily.

Get information from the agent and then do your own comparison before deciding.

Buffalo Car Insurance Rates Geographical Comparison

The rates in New York are certainly above the national average. Here are some sample rates:

  • Average Premium for Buffalo: $2,065 annually
  • Average Premium for Erie County: $1,980 annually
  • Average Premium for New York State: $2,905 annually
  • Average Premium Nationwide: $1,414 annually

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Buffalo Driving Statistics

Here are some car insurance statistics on the drivers in Buffalo and New York:

  • There were 320 Fatalities involving a driver with a blood-alcohol level above the legal limit
  • There were 68 Fatalities involving someone with a legal level of alcohol in their system
  • There were 409 Fatalities involving a driver with a blood alcohol level of 0.01% or higher

Numbers that Impact your Price

Car insurance prices in Buffalo are driven by the actuarial tables which help the insurance companies assess risk. They use the information they get from you to see which category of driver is the best match for you.

Some of the key factors that will raise your rate are:

  • Young or very old age
  • Poor credit standing
  • Poor driving record
  • Being single
  • Being male
  • Living in a high-risk area
  • Driving a sports car

There are many more factors that may impact your rates and the policies available and those offered to you.

Get to know these parameters they are the heart and soul of the insurance business.

When you buy the proper policy, you also get the optimum coverage for you and your loved ones.

So don’t wait any longer! Compare car insurance quotes with our FREE search tool below by entering your ZIP code!