Compare Buffalo, TX Car Insurance Rates (2021)

Car insurance in Buffalo, TX averages $313 a month. Buffalo, Texas car insurance requirements are 30/60/25, 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, TX.

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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, TX are $3,756/year
  • The cheapest car insurance company in Buffalo is USAA
  • Average car insurance rates in Buffalo, TX after a DUI are $4,270/year

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

You’ll find Buffalo car insurance rates, the cheapest Buffalo, TX car insurance companies, and information on Texas car insurance laws. You can also compare Buffalo, Texas car insurance rates to Austin car insurance rates, Corpus Christi car insurance rates, and Dallas car insurance rates.

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

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

How do age, gender, and marital status affect Buffalo, TX car insurance rates? Every Buffalo, Texas 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, Texas

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 $3,657 $3,692 $3,615 $3,615 $9,499 $11,470 $4,513 $4,701
American Family $2,746 $3,052 $2,539 $2,906 $7,106 $9,289 $3,914 $4,452
GEICO $2,006 $2,148 $1,915 $2,138 $4,268 $4,464 $2,166 $2,180
Nationwide $2,061 $2,097 $1,823 $1,930 $5,791 $7,432 $2,415 $2,611
Progressive $2,655 $2,527 $2,347 $2,400 $10,912 $12,170 $3,149 $3,202
State Farm $2,072 $2,072 $1,833 $1,833 $4,817 $6,114 $2,242 $2,316
USAA $1,553 $1,565 $1,481 $1,473 $4,353 $4,751 $2,073 $2,230

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Minimum Car Insurance in Buffalo, TX

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

Minimum Required Car Insurance Coverage in Buffalo, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Buffalo, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Buffalo, TX. 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, Texas

Insurance Company Poor Fair Good
Allstate $7,136 $5,202 $4,447
American Family $6,196 $3,907 $3,398
GEICO $4,084 $2,330 $1,568
Nationwide $3,917 $3,151 $2,742
Progressive $5,560 $4,780 $4,420
State Farm $4,130 $2,565 $2,041
USAA $3,583 $2,063 $1,658

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

Annual Buffalo, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,366 $6,696 $6,952 $4,366
American Family $4,100 $5,225 $4,577 $4,100
GEICO $2,265 $2,962 $2,508 $2,908
Nationwide $2,840 $2,840 $4,197 $3,204
Progressive $4,289 $5,532 $5,021 $4,839
State Farm $2,604 $2,966 $3,477 $2,604
USAA $1,817 $2,677 $3,159 $2,086

Cheapest Buffalo, TX Car Insurance for Teen Drivers

Teen car insurance in Buffalo, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,499 $11,470
American Family $7,106 $9,289
GEICO $4,268 $4,464
Nationwide $5,791 $7,432
Progressive $10,912 $12,170
State Farm $4,817 $6,114
USAA $4,353 $4,751

Cheapest Buffalo, TX Car Insurance for Seniors

Take a look at Buffalo, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,615 $3,615
American Family $2,539 $2,906
GEICO $1,915 $2,138
Nationwide $1,823 $1,930
Progressive $2,347 $2,400
State Farm $1,833 $1,833
USAA $1,481 $1,473

Cheapest Buffalo, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Buffalo, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,952
American Family $4,577
GEICO $2,508
Nationwide $4,197
Progressive $5,021
State Farm $3,477
USAA $3,159

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Cheapest Buffalo, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Buffalo, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,462 $5,728
American Family $4,500 $4,500
GEICO $2,611 $2,711
Nationwide $3,270 $3,270
Progressive $4,920 $4,920
State Farm $2,912 $2,912
USAA $2,404 $2,465

The Best Cheap Car Insurance Companies in Buffalo, TX

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

Average Annual Car Insurance Rates by Company in Buffalo, Texas

Insurance Company Average Annual Rates
Allstate $5,595
American Family $4,500
GEICO $2,661
Nationwide $3,270
Progressive $4,920
State Farm $2,912
USAA $2,435

Category Winners: Cheapest Car Insurance in Buffalo, Texas

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

Best Annual Car Insurance Rates by Company in Buffalo, Texas

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

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

Annual Car Insurance Rates by Coverage Level in Buffalo, Texas

Insurance Company Low Medium High
Allstate $5,444 $5,539 $5,802
American Family $4,198 $4,334 $4,969
GEICO $2,541 $2,633 $2,808
Nationwide $3,539 $3,131 $3,140
Progressive $4,696 $4,896 $5,169
State Farm $2,775 $2,903 $3,059
USAA $2,357 $2,425 $2,522

What affects car insurance rates in Buffalo, Texas?

What factors can have an impact on Buffalo, TX 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, Texas.

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, TX is 21.9 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, TX traffic data from INRIX ranks Buffalo as the 716th-most congested in the world.

Compare Car Insurance Quotes in Buffalo, TX

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

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