Compare Buffalo, IL Car Insurance Rates (2021)

Car insurance in Buffalo, IL averages $266 a month. Buffalo, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Buffalo car insurance rates, compare quotes from the top car insurance companies in Buffalo, IL.

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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: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Buffalo, IL after a DUI are $3,717/year
  • The cheapest car insurance company in Buffalo for teen drivers is Liberty Mutual
  • Average car insurance rates in Buffalo, IL are $3,192/year

If you need to buy Buffalo, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Buffalo, IL is right here.

You’ll find Buffalo car insurance rates, the cheapest Buffalo, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Buffalo, Illinois car insurance rates to Chicago car insurance rates, Peoria car insurance rates, and Joliet car insurance rates.

Ready to find affordable Buffalo, IL car insurance today? Enter your ZIP code for fast, free Buffalo car insurance quotes.

Cheapest Buffalo, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Buffalo, IL car insurance rates? Every Buffalo, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Buffalo, Illinois

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 $3,380 $3,396 $3,515 $3,515 $8,621 $11,252 $4,064 $4,395
American Family $2,439 $2,439 $2,228 $2,228 $6,812 $9,483 $2,439 $3,143
Farmers $2,388 $2,388 $2,119 $2,239 $10,210 $10,643 $2,731 $2,861
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,360 $1,467 $1,131 $1,261 $4,362 $4,846 $1,426 $1,510
Nationwide $1,694 $1,726 $1,508 $1,600 $4,571 $5,876 $1,964 $2,129
Progressive $1,982 $1,873 $1,636 $1,706 $7,289 $8,185 $2,372 $2,582
State Farm $1,429 $1,429 $1,279 $1,279 $4,129 $5,240 $1,616 $1,857
Travelers $1,508 $1,589 $1,366 $1,455 $4,270 $5,307 $1,601 $1,686
USAA $1,695 $1,726 $1,574 $1,552 $5,485 $6,055 $2,235 $2,459

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Minimum Car Insurance in Buffalo, IL

Every driver must carry the minimum car insurance in Buffalo, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Buffalo, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Buffalo, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Buffalo, IL. Compare credit history car insurance rates in Buffalo from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Buffalo, Illinois

Insurance Company Poor Fair Good
Allstate $6,732 $4,843 $4,227
American Family $5,201 $3,526 $2,977
Farmers $5,053 $4,248 $4,041
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,072 $1,914 $1,526
Nationwide $3,142 $2,535 $2,223
Progressive $3,925 $3,341 $3,093
State Farm $3,320 $1,987 $1,540
Travelers $2,867 $2,303 $1,873
USAA $3,795 $2,603 $2,144

Cheapest Buffalo, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Buffalo, IL to rates for a clean record with top companies.

Annual Buffalo, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,828 $6,352 $5,926 $4,962
American Family $2,867 $4,068 $5,415 $3,254
Farmers $3,755 $4,840 $4,719 $4,476
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,812 $2,558 $2,257 $2,055
Nationwide $2,122 $2,746 $3,229 $2,437
Progressive $2,844 $4,231 $3,147 $3,592
State Farm $2,084 $2,481 $2,282 $2,282
Travelers $1,875 $2,452 $2,716 $2,348
USAA $2,029 $2,916 $3,998 $2,447

Cheapest Buffalo, IL Car Insurance for Teen Drivers

Teen car insurance in Buffalo, IL can be expensive. Take a look at rates from the top car insurance companies in Buffalo for teenagers.

Annual Car Insurance Rates for Teen Drivers in Buffalo, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,621 $11,252
American Family $6,812 $9,483
Farmers $10,210 $10,643
GEICO $4,847 $5,129
Liberty Mutual $4,362 $4,846
Nationwide $4,571 $5,876
Progressive $7,289 $8,185
State Farm $4,129 $5,240
Travelers $4,270 $5,307
USAA $5,485 $6,055

Cheapest Buffalo, IL Car Insurance for Seniors

Take a look at Buffalo, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Buffalo, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,515 $3,515
American Family $2,228 $2,228
Farmers $2,119 $2,239
GEICO $1,521 $1,797
Liberty Mutual $1,131 $1,261
Nationwide $1,508 $1,600
Progressive $1,636 $1,706
State Farm $1,279 $1,279
Travelers $1,366 $1,455
USAA $1,574 $1,552

Cheapest Buffalo, IL Car Insurance Rates After a DUI

A DUI in Buffalo, IL increases car insurance rates. Compare Buffalo, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Buffalo, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,926
American Family $5,415
Farmers $4,719
GEICO $3,482
Liberty Mutual $2,257
Nationwide $3,229
Progressive $3,147
State Farm $2,282
Travelers $2,716
USAA $3,998

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Cheapest Buffalo, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Buffalo, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Buffalo, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,267 $5,267
American Family $3,851 $3,952
Farmers $4,447 $4,447
GEICO $2,519 $2,617
Liberty Mutual $2,170 $2,170
Nationwide $2,633 $2,633
Progressive $3,453 $3,453
State Farm $2,224 $2,341
Travelers $2,256 $2,440
USAA $2,767 $2,927

The Best Cheap Car Insurance Companies in Buffalo, IL

Take a look at a side-by-side comparison of the top car insurance companies in Buffalo, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Buffalo, Illinois

Insurance Company Average Annual Rates
Allstate $5,267
American Family $3,901
Farmers $4,447
GEICO $2,568
Liberty Mutual $2,170
Nationwide $2,633
Progressive $3,453
State Farm $2,282
Travelers $2,348
USAA $2,847

Category Winners: Cheapest Car Insurance in Buffalo, Illinois

Find the cheapest car insurance companies in Buffalo, IL for each category right here.

Best Annual Car Insurance Rates by Company in Buffalo, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Travelers
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

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Cheapest Buffalo, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Buffalo car insurance rates. Find the cheapest Buffalo, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Buffalo, Illinois

Insurance Company Low Medium High
Allstate $5,136 $5,263 $5,403
American Family $3,775 $4,043 $3,885
Farmers $4,239 $4,346 $4,756
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,065 $2,166 $2,280
Nationwide $2,632 $2,652 $2,616
Progressive $3,203 $3,448 $3,709
State Farm $2,155 $2,286 $2,405
Travelers $2,221 $2,346 $2,477
USAA $2,663 $2,845 $3,035

What affects car insurance rates in Buffalo, Illinois?

What factors can have an impact on Buffalo, IL car insurance? There are several reasons why Buffalo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Buffalo, Illinois.

Commute Time in Buffalo

The more time you spend in your car the higher the risk of an accident. The average commute length in Buffalo, IL is 31.0 minutes according to City-Data.

Traffic in Buffalo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Buffalo, IL traffic data from INRIX ranks Buffalo as the 716th-most congested in the world.

Compare Car Insurance Quotes in Buffalo, IL

Ready to find affordable Buffalo, Illinois car insurance today? Enter your ZIP code for fast, free Buffalo, IL car insurance quotes.

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