Compare Buffalo, NY Car Insurance Rates [2023]
Car insurance in Buffalo, NY averages $384 a month. Buffalo, New York car insurance requirements are 25/50/10, 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, NY.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Jun 17, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 17, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Buffalo, NY after a DUI are $6,161/year
- The cheapest car insurance company in Buffalo for teen drivers is Geico
- The cheapest ZIP code in Buffalo is 14218
If you need to buy Buffalo, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Buffalo, NY is right here.
You’ll find Buffalo car insurance rates, the cheapest Buffalo, NY car insurance companies, and information on New York car insurance laws. You can also compare Buffalo, New York car insurance rates to New York car insurance rates, Buffalo car insurance rates, and Mount Vernon car insurance rates.
Ready to find affordable Buffalo, NY car insurance today? Enter your ZIP code for fast, free Buffalo car insurance quotes.
Cheapest Buffalo, NY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Buffalo, NY car insurance rates? Every Buffalo, New York car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Buffalo, NY
Every driver must carry the minimum car insurance in Buffalo, NY. Take a look at the New York car insurance requirements.
| 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 |
Cheapest Buffalo, NY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Buffalo, NY. Compare credit history car insurance rates in Buffalo from top companies for good, fair, and poor credit.
| 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 |
Cheapest Buffalo, NY 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, NY to rates for a clean record with top companies.
| 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 |
Cheapest Buffalo, NY Car Insurance for Teen Drivers
Teen car insurance in Buffalo, NY can be expensive. Take a look at rates from the top car insurance companies in Buffalo for teenagers.
| 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 |
Cheapest Buffalo, NY Car Insurance for Seniors
Take a look at Buffalo, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior 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 |
Cheapest Buffalo, NY Car Insurance Rates After a DUI
A DUI in Buffalo, NY increases car insurance rates. Compare Buffalo, New York DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car 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 |
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Cheapest Buffalo, NY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Buffalo, NY by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
Cheapest Buffalo, NY Car Insurance Rates by ZIP Code
Buffalo car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Buffalo, NY.
| 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 |
The Best Cheap Car Insurance Companies in Buffalo, NY
Take a look at a side-by-side comparison of the top car insurance companies in Buffalo, NY to find the best option for your needs.
| 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 |
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Category Winners: Cheapest Car Insurance in Buffalo, New York
Find the cheapest car insurance companies in Buffalo, NY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
Cheapest Buffalo, NY 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, NY car 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 |
What affects car insurance rates in Buffalo, New York?
What factors can have an impact on Buffalo, NY 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, New York.
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, NY is 21.0 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, NY traffic data from INRIX ranks Buffalo as the 716th-most congested in the world.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Compare Car Insurance Quotes in Buffalo, NY
Ready to find affordable Buffalo, New York car insurance today? Enter your ZIP code for fast, free Buffalo, NY car insurance quotes.
Frequently Asked Questions
How much is the average monthly car insurance rate in Buffalo, NY?
The average monthly rate is $384.
What are the car insurance requirements in Buffalo, NY?
The requirements are 25/50/10 liability coverage.
Do I need full coverage if my car is financed?
It may be required by the lender.
How can I find cheap car insurance rates in Buffalo, NY?
Compare quotes from top insurance companies.
How do age, gender, and marital status affect rates in Buffalo, NY?
They can impact rates differently among insurers.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
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...
Founder & CFP®
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.