Affordable Car Insurance Rates in Buffalo, NY (2024)
Car insurance rates in Buffalo, NY are $384/month on average. By law, New York drivers need to carry at least 25/50/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Buffalo car insurance companies to get the coverage you need at the best rates available.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
UPDATED: Jan 9, 2024
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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
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 provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 are $384/month
- Average car insurance rates in Buffalo, NY for senior drivers are $2,817/year
- The cheapest car insurance company in Buffalo after a DUI is Geico
Average car insurance rates in Buffalo, New York are $384 a month. But with a little research you can get a great deal from the top car insurance companies in Buffalo, NY. Before you buy Buffalo, New York car insurance, make sure your coverage meets or exceeds the New York minimum of 25/50/10.
It may even be helpful to compare Buffalo car insurance rates with Mount Vernon car insurance rates, Utica car insurance rates, or Albany car insurance rates to make sure you’re getting the best Buffalo, NY car insurance quotes available.
Need affordable Buffalo, NY car insurance? Enter your ZIP code to compare Buffalo car insurance quotes from multiple car insurance companies near you.
Buffalo, NY Minimum Car Insurance Coverage
Buffalo, New York law requires drivers carry a minimum of 25/50/10 coverage. Take a look at the breakdown of the minimums here.
| 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 |
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Buffalo, NY Car Insurance Rates by Coverage Level
Some Buffalo drivers can get by with the New York minimum coverage of 25/50/10. Other drivers may need more. See how much your Buffalo, New York car insurance rates may be based on the coverage you need.
| 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 |
Buffalo, NY Car Insurance Rates by Age, Gender, and Marital Status
Buffalo, New York car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Buffalo, NY car insurance, get quotes from multiple car insurance companies in the Buffalo area and see how these criteria affect your 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 |
Buffalo, NY Car Insurance Rates for Teens
How much is Buffalo, New York car insurance for teens? Compare rates from top Buffalo car insurance companies below to help find the cheapest teen car insurance in Buffalo, NY.
| 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 |
Buffalo, NY Car Insurance Rates for Seniors
Before seniors buy Buffalo, New York car insurance, they should make sure to shop around. Some Buffalo, NY car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Buffalo, NY Car Insurance Rates by Credit History
How does your credit history affect Buffalo, NY car insurance rates? Review the numbers here to find out.
| 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 |
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Buffalo, NY Car Insurance Rates by Driver History
How does a single speeding ticket affect your Buffalo, New York car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Buffalo.
| 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 |
Buffalo, NY Car Insurance Rates With a DUI
Even a single DUI can increase your Buffalo, NY car insurance rates. Compare rates below to see which Buffalo car insurance company has the best rates for drivers with a DUI.
| 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 |
Buffalo, NY Car Insurance Rates by ZIP Code
Just like Buffalo car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Buffalo, NY car insurance rates fluctuate by ZIP code.
| 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 |
Buffalo, NY Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Buffalo, NY car insurance rates may be. Let’s take a look at average car insurance rates from top Buffalo companies based on commute time.
| 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Buffalo, NY Cheapest Car Insurance Rates
How do the top Buffalo, New York car insurance companies’ average rates stack up against the Buffalo average monthly car insurance rates of $384? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
Buffalo, NY Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Buffalo, New York car insurance companies to help you find one that best fits 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 |
Other Factors Affecting Buffalo, NY Car Insurance Rates
Before you buy Buffalo, New York car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Buffalo, NY Commute Time
How does your Buffalo, NY commute time compare with the average driver? In Buffalo, the average commute is 21.0 minutes.
Buffalo, NY Traffic
Spending time in Buffalo traffic can lead to higher car insurance rates. According to INRIX data, Buffalo, NY ranks as the 716th-most congested with traffic in the world.
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Buffalo, NY Car Insurance Quotes
Compare Buffalo, NY car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.