Compare Buffalo, IN Car Insurance Rates (2021)

Car insurance in Buffalo, IN averages $276 a month. Buffalo, Indiana car insurance requirements are 25/50/25, 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, IN.

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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

  • The cheapest car insurance company in Buffalo is USAA
  • Average car insurance rates in Buffalo, IN after a DUI are $3,923/year
  • The cheapest car insurance company in Buffalo for teen drivers is USAA

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

You’ll find Buffalo car insurance rates, the cheapest Buffalo, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Buffalo, Indiana car insurance rates to Evansville car insurance rates, Gary car insurance rates, and Hammond car insurance rates.

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

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

How do age, gender, and marital status affect Buffalo, IN car insurance rates? Every Buffalo, Indiana 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, Indiana

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 $2,712 $2,786 $2,369 $2,595 $8,208 $10,331 $2,770 $3,016
American Family $2,207 $2,207 $1,982 $1,982 $6,087 $8,808 $2,207 $2,702
Farmers $1,487 $1,469 $1,274 $1,431 $7,876 $8,397 $1,952 $2,107
GEICO $1,534 $1,521 $1,431 $1,480 $4,461 $4,147 $1,750 $1,547
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,813 $1,859 $1,583 $1,698 $5,292 $6,902 $2,126 $2,333
Progressive $1,578 $1,494 $1,426 $1,437 $9,172 $10,317 $1,977 $2,023
State Farm $1,417 $1,417 $1,258 $1,258 $4,224 $5,421 $1,565 $1,739
Travelers $1,228 $1,249 $1,152 $1,151 $7,628 $12,053 $1,300 $1,503
USAA $998 $984 $927 $936 $2,756 $3,085 $1,350 $1,448

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Minimum Car Insurance in Buffalo, IN

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

Minimum Required Car Insurance Coverage in Buffalo, Indiana

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

Cheapest Buffalo, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Buffalo, IN. 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, Indiana

Insurance Company Poor Fair Good
Allstate $5,407 $4,004 $3,634
American Family $4,820 $3,129 $2,619
Farmers $3,795 $3,091 $2,862
GEICO $2,688 $2,234 $1,780
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $3,363 $2,839 $2,651
Progressive $4,063 $3,590 $3,381
State Farm $3,333 $1,988 $1,541
Travelers $3,795 $3,216 $3,214
USAA $2,105 $1,388 $1,189

Cheapest Buffalo, IN 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, IN to rates for a clean record with top companies.

Annual Buffalo, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,476 $5,095 $4,693 $4,129
American Family $2,427 $3,874 $4,898 $2,891
Farmers $2,904 $3,394 $3,491 $3,208
GEICO $1,471 $2,307 $3,115 $2,043
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,531 $3,276 $3,139 $2,857
Progressive $2,767 $4,805 $3,301 $3,839
State Farm $2,235 $2,445 $2,235 $2,235
Travelers $2,895 $3,578 $4,054 $3,105
USAA $1,180 $1,676 $1,923 $1,463

Cheapest Buffalo, IN Car Insurance for Teen Drivers

Teen car insurance in Buffalo, IN 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, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,208 $10,331
American Family $6,087 $8,808
Farmers $7,876 $8,397
GEICO $4,461 $4,147
Liberty Mutual $8,754 $13,230
Nationwide $5,292 $6,902
Progressive $9,172 $10,317
State Farm $4,224 $5,421
Travelers $7,628 $12,053
USAA $2,756 $3,085

Cheapest Buffalo, IN Car Insurance for Seniors

Take a look at Buffalo, IN 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, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,369 $2,595
American Family $1,982 $1,982
Farmers $1,274 $1,431
GEICO $1,431 $1,480
Liberty Mutual $3,662 $3,662
Nationwide $1,583 $1,698
Progressive $1,426 $1,437
State Farm $1,258 $1,258
Travelers $1,152 $1,151
USAA $927 $936

Cheapest Buffalo, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Buffalo, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,693
American Family $4,898
Farmers $3,491
GEICO $3,115
Liberty Mutual $8,386
Nationwide $3,139
Progressive $3,301
State Farm $2,235
Travelers $4,054
USAA $1,923

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Cheapest Buffalo, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Buffalo, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,349 $4,349
American Family $3,480 $3,566
Farmers $3,249 $3,249
GEICO $2,193 $2,275
Liberty Mutual $5,687 $5,998
Nationwide $2,951 $2,951
Progressive $3,678 $3,678
State Farm $2,222 $2,352
Travelers $3,408 $3,408
USAA $1,540 $1,581

The Best Cheap Car Insurance Companies in Buffalo, IN

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

Average Annual Car Insurance Rates by Company in Buffalo, Indiana

Insurance Company Average Annual Rates
Allstate $4,349
American Family $3,523
Farmers $3,249
GEICO $2,234
Liberty Mutual $5,842
Nationwide $2,951
Progressive $3,678
State Farm $2,287
Travelers $3,408
USAA $1,561

Category Winners: Cheapest Car Insurance in Buffalo, Indiana

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

Best Annual Car Insurance Rates by Company in Buffalo, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Buffalo, IN 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, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Buffalo, Indiana

Insurance Company Low Medium High
Allstate $4,153 $4,332 $4,560
American Family $3,477 $3,639 $3,452
Farmers $3,139 $3,241 $3,367
GEICO $2,089 $2,228 $2,385
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $3,007 $2,927 $2,919
Progressive $3,503 $3,629 $3,902
State Farm $2,182 $2,286 $2,393
Travelers $3,343 $3,440 $3,442
USAA $1,506 $1,557 $1,618

What affects car insurance rates in Buffalo, Indiana?

What factors can have an impact on Buffalo, IN 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, Indiana.

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, IN is 26.4 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, IN traffic data from INRIX ranks Buffalo as the 716th-most congested in the world.

Compare Car Insurance Quotes in Buffalo, IN

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

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Average Monthly Car Insurance Rates by State