Compare Buffalo, NY Car Insurance Rates (2021)

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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, 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.

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

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.

Minimum Required Car Insurance Coverage 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

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.

Annual Car Insurance Rates by Credit Score in Buffalo, New York

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.

Annual Buffalo, New York Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers 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

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.

Annual Car Insurance Rates for Senior Drivers in Buffalo, New York

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.

Annual Car Insurance Rates After a DUI in Buffalo, New York

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.

Annual Car Insurance Rates by Commute Length in Buffalo, New York

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.

Annual Car Insurance Rates by ZIP Code in Buffalo, New York

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.

Average Annual Car Insurance Rates by Company in Buffalo, New York

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.

Best Annual Car Insurance Rates by Company in Buffalo, New York

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.

Annual Car Insurance Rates by Coverage Level in Buffalo, New York

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.

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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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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