Cheap Auto Insurance Quotes in Buffalo, NY (2023)

Safeco, Midvale Home & Auto, and Liberty Mutual offer the cheapest rates for full-coverage car insurance in Buffalo.

Elizabeth Rivelli
Written by
Elizabeth Rivelli
Elizabeth Rivelli
Written by
Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
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Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 27, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Elizabeth Rivelli
Written by
Elizabeth Rivelli
Elizabeth Rivelli
Written by
Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka
Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 27, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

The average car insurance premium in Buffalo, New York, is $340 for a minimum-coverage policy. That’s about $120 less than the average minimum-coverage premium in New York state, which costs $460.

While all drivers must carry car insurance in Buffalo, a minimum-coverage policy might not provide enough protection. Buffalo experiences extreme weather, like the historic blizzard in December 2022, as well as increasing rates of vehicle theft in 2021.[1] Buffalo drivers should consider comprehensive insurance, which covers losses like weather-related damage and theft.

How much does car insurance cost in Buffalo?

Car insurance premiums in Buffalo can vary significantly. Rates are based on factors like age, credit score, driving record, car type, coverage limits, and deductibles.[2] To find the most affordable policy for your situation, it’s a good idea to compare quotes.

To find the cheapest car insurance in Buffalo, Insurify’s data scientists analyzed recent insurance rates in the city. Insurify determined that average rates in Buffalo vary from $166 to $566 for liability-only coverage and $174 to $708 for full coverage.

Here are more findings from Insurify’s analysis of Buffalo car insurance rate data:

  • Cheapest liability-only insurance coverage in Buffalo: Safeco, at $166 a month on average

  • Cheapest full-coverage insurance in Buffalo: Safeco, at $174 a month on average

  • Cheapest insurance for new and young drivers in Buffalo: Travelers, at $156 a month on average

Learn More: Cheap Car Insurance in New York

Cheapest car insurance in Buffalo: Safeco

Safeco is the cheapest car insurance provider in Buffalo, with an average premium of $166 for liability-only insurance and $174 for full coverage, according to Insurify data.

However, car insurance premiums are personalized to each driver. Factors like your location, driving record, claim history, gender, and the type of coverage you buy can affect your rate.[2] In the table below, you can see which car insurance companies have the cheapest average rates in Buffalo.

Insurance CompanyLiability OnlyFull Coverage
Safeco$166$174
Midvale Home & Auto$281$295
Bristol West$311$463
Liberty Mutual$332$360
CSAA$566$708
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of auto insurance in Buffalo

The average cost of car insurance in Buffalo is $340 per month for minimum-coverage policies and $392 per month for full-coverage policies. However, some car insurance companies have cheaper rates than others. Based on Insurify’s analysis of rate data in the city, rates can range from $170 to $637 based on the insurer you choose.

Consider getting quotes from multiple insurance providers to find the most affordable car insurance premium for your coverage needs and personal situation. Comparing several rate quotes will help you find the best price.

The table below includes the average monthly car insurance premiums for some of the top-rated insurance providers in Buffalo.

Insurance CompanyAverage Monthly Quote
Safeco$170
Midvale Home & Auto$288
Liberty Mutual$346
Bristol West$387
CSAA$637
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average car insurance premiums in Buffalo by marital status

One of the factors that can indirectly affect the cost of car insurance is your marital status. If two people insure multiple cars under one policy, they may get a multi-car discount on their premium. Generally, insurers consider both spouses’ credit scores, driving histories, ages, vehicle types, and more when setting rates. If one partner has great credit and a clean history, then the other partner will benefit with slightly lower rates.

The average premium for single drivers in Buffalo is $373, and the average rate for married drivers is $354. That means married drivers in Buffalo can expect to save roughly $20 on their monthly car insurance premiums.

How much car insurance do you need in Buffalo?

Drivers in Buffalo are legally required to carry a minimum amount of auto insurance. The minimum coverage limits include:

  • $25,000 per person and $50,000 per accident for bodily injury liability

  • $10,000 per accident for property damage liability

  • $25,000 per person and $50,000 per accident for UM/UIM bodily injury liability[3]

In addition, drivers in Buffalo are required to carry proof of insurance in their vehicles at all times. You may need to present proof of insurance coverage in several situations, such as:

  • When requested by law enforcement

  • When renewing your vehicle’s registration

  • When you get into a car accident

New York DMV information

The New York State Department of Motor Vehicles (DMV) handles vehicle-related matters and manages all the DMV locations in the state. The New York DMV provides a variety of online services, including vehicle registration renewal, driver’s license applications, and license renewal after suspension. If you prefer to visit the DMV in person, you can make a reservation online.

Tips for getting cheap car insurance in Buffalo

The cost of car insurance in Buffalo depends on a variety of factors, but you can find ways to get a lower premium. Here are a few ways to get cheaper car insurance in the city:

  • Ask about discounts. You can often find car insurance discounts for good students, safe drivers, vehicles with an anti-theft device, insuring multiple vehicles, and paying your premium in full.

  • Improve your credit. Insurers can use your credit score as a rating factor for car insurance premiums in New York.[4] Raising your credit score can help you get a cheaper rate.

  • Bundle your policies. When you bundle two insurance policies, like auto and homeowners insurance, most insurance providers will give you a discount on your combined premium.

  • Compare quotes. Comparison shopping for car insurance quotes will help you find the best deal for your coverage needs and situation. Using a quote-comparison platform is the easiest way to compare rates.[5]

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Buffalo

Age is one of the most influential factors that can affect the cost of car insurance. Teenagers often pay the highest auto insurance rates due to their increased risk of accidents.[6] Over time, car insurance rates tend to decrease and start increasing again around age 70.

The table below shows the average monthly car insurance rates in Buffalo for drivers across different age groups.

Age GroupAverage Monthly Quote
Teenagers$846
Under 25$624
25–29$368
30s$286
40s$438
50s$317
60s$199
70s$223
80+$204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for young drivers in Buffalo

The cheapest car insurance company for young drivers in Buffalo is Kemper, with an average full-coverage premium of $135 per month.

In general, young drivers have the most expensive car insurance rates because they lack experience on the road and have higher accident rates. However, young drivers in high school or college can often get a lower rate by taking advantage of smart student discounts.[7]

These companies have the cheapest auto insurance rates for young drivers in Buffalo:

Insurance CompanyAverage Monthly Quote
Kemper$135
Travelers$156
Safeco$192
Midvale Home & Auto$378
Progressive$477
Bristol West$542
Liberty Mutual$564
CSAA$946
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for middle-aged drivers in Buffalo

Car insurance premiums start to drop around age 25 and continue to decrease as drivers get older. For middle-aged drivers, the cheapest auto insurance company in Buffalo is Nationwide, with an average full-coverage premium of $136 per month.

Middle-aged drivers can save money on their auto insurance in lots of ways, like bundling a home and auto policy, taking a defensive driver course, paying premiums up front, and improving their credit.[5] The table below includes a more comprehensive list of the cheapest car insurance companies for middle-aged drivers in Buffalo:

Insurance CompanyAverage Monthly Quote
Nationwide$136
Travelers$140
Kemper$142
Safeco$160
Progressive$243
Liberty Mutual$255
Midvale Home & Auto$279
Bristol West$462
CSAA$616
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for senior drivers in Buffalo

In Buffalo, Travelers has the cheapest car insurance rates for seniors, with an average monthly full-coverage premium of $107. Because seniors have higher accident rates than younger drivers, car insurance premiums often start to increase around age 70.[8]

However, seniors may be able to lower their premiums by taking a defensive driving course, raising their deductibles, or dropping certain optional coverages if they drive an older vehicle.[5]

In the table below, you can see the cheapest car insurance companies for senior drivers in Buffalo and their average monthly premiums for full-coverage insurance.

Insurance CompanyAverage Monthly Quote
Travelers$107
Safeco$139
Liberty Mutual$184
Midvale Home & Auto$188
Bristol West$264
CSAA$325
Progressive$454
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How credit scores affect cheap car insurance in Buffalo

“In Buffalo, as well as in the rest of New York state, your credit score can have a significant impact on your car insurance rate,” says Kim Bellavia, vice president and marketing manager at Tompkins Insurance Agencies, a company that sells personal insurance lines in New York and Pennsylvania.

In general, drivers with higher credit scores pay less for car insurance than drivers with poor credit scores.[2] The table below includes the average car insurance rates for drivers with excellent, good, fair, and poor credit. These rates are for full-coverage policies.

Credit TierAverage Monthly Quote
Excellent (800 and above)$333
Good (670 to 739)$392
Fair (580 to 669)$431
Poor (579 and below)$668
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Buffalo

Your driving record has a significant impact on the cost of your car insurance in Buffalo. If you have a history of tickets, accidents, or other traffic violations, you can expect to pay more for car insurance than a driver with a clean record.[2] The following tables show the average car insurance premiums for drivers with various violations.

Cheapest car insurance with a clean record in Buffalo: Safeco

If you have a clean driving record, it means you’ve had no recent accidents, speeding tickets, or violations. In Buffalo, the cheapest car insurance company for a driver with a clean driving record is Safeco, with an average premium of $174 per month.

Insurance CompanyClean Record
Safeco$174
Midvale Home & Auto$295
Liberty Mutual$360
Bristol West$463
CSAA$708
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with an accident in Buffalo: Safeco

Safeco has the cheapest rates for Buffalo drivers who have accidents on their records, according to Insurify data. The average premium from Safeco for a driver with an accident is $250 per month for full coverage, which is about $76 higher than Safeco’s rate for a clean record.

Insurance CompanyClean RecordWith AccidentDifference
Safeco$174$250$76
Midvale Home & Auto$295$423$128
Liberty Mutual$360$516$156
Bristol West$463$663$200
CSAA$708$1,015$307
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a DUI in Buffalo: Safeco

If you’ve been convicted of driving under the influence, Safeco is the cheapest car insurance company, according to Insurify’s rate analysis. A DUI is a serious traffic violation, and drivers with a DUI usually see a significant increase in their car insurance premiums.[9] Below are the cheapest car insurance companies for drivers with a DUI in Buffalo:

Insurance CompanyClean RecordWith DUIDifference
Safeco$174$346$172
Midvale Home & Auto$295$587$292
Liberty Mutual$360$716$356
Bristol West$463$920$457
CSAA$708$1,408$700
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a speeding ticket in Buffalo: Safeco

Safeco stands out as one of the best cheap car insurance companies for drivers in Buffalo with a speeding ticket. The difference between Safeco’s average rates for drivers with a clean record and drivers with a speeding ticket is about $60 per month. Here are the cheapest companies for drivers with a speeding ticket in Buffalo:

Insurance CompanyClean RecordWith Speeding TicketDifference
Safeco$174$234$60
Midvale Home & Auto$295$396$101
Liberty Mutual$360$483$123
Bristol West$463$621$158
CSAA$708$950$242
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance in other New York cities

Car insurance rates can vary widely based on ZIP code, even among cities in the same state. Here are car insurance rates in some other New York cities:

Find local Buffalo agents

  • Lawley Service Inc. 

    361 Delaware Ave,
    Buffalo, NY 14202-1622
  • Hoffman Hanafin & Associates, LLC 

    500 Seneca St Ste 303,
    Buffalo, NY 14204
  • M & T Insurance Agency, Inc. 

    285 Delaware Ave Ste 4000,
    Buffalo, NY 14202-1885
  • Northwoods Corp. 

    976 Delaware Ave,
    Buffalo, NY 14209-1800
  • M & T Corporate Insurance & Risk 

    701 Seneca St,
    Buffalo, NY 14210-1351
  • New Buffalo Insurance Agency, Inc. 

    20 E Tupper St,
    Buffalo, NY 14203-1302
  • Queen City Insurance Agency LLC; Michael Sperrazza 

    305 Spindrift Dr,
    Buffalo, NY 14221-7815
  • Insurance Agencies Inc (Amherst) 

    1 Hopkins Rd,
    Buffalo, NY 14221-4641
  • Walsh Duffield Companies Inc. 

    801 Main St,
    Buffalo, NY 14203-1215
  • Assured Partners AP Benefit Advisors LLC 

    1416 Sweet Home Road Suites 5- 6,
    Buffalo, NY 14228-2784
View more

Buffalo car insurance rates FAQs

Car insurance rates can vary widely from city to city, based on numerous factors, including ones that are specific to location. Here are answers to some commonly asked questions about car insurance in Buffalo, New York.

  • Car insurance premiums in Buffalo are cheaper than the statewide average rate. The average car insurance rate in Buffalo is $340 for minimum coverage, whereas the average premium in New York state is $460.

  • Based on Insurify rate data analysis, Safeco has the cheapest car insurance in Buffalo across the board. Not only does Safeco have the lowest average rates for minimum- and full-coverage insurance policies, but it’s also the cheapest insurance company for drivers with a DUI, an accident, and a speeding ticket.

  • In New York, the average car insurance premium is about $460 per month. For comparison, the U.S. national average cost of car insurance is roughly $121 per month.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. WKBW Buffalo. "Buffalo Police: Car thefts up nearly 72% through first six months of 2021." Accessed January 24, 2023
  2. III. "What determines the price of an auto insurance policy?." Accessed January 24, 2023
  3. New York Department of Financial Services. "Minimum Auto Insurance Requirements." Accessed January 24, 2023
  4. Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?." Accessed January 24, 2023
  5. III. "Nine ways to lower your auto insurance costs." Accessed January 24, 2023
  6. Transportation Safety. "Teen Drivers and Passengers: Get the Facts ." Accessed January 24, 2023
  7. III. "Auto insurance for teen drivers." Accessed January 24, 2023
  8. Centers for Disease Control and Prevention. "Older Adult Drivers ." Accessed January 24, 2023
  9. III. "Do auto insurance premiums go up after a claim?." Accessed January 24, 2023
Elizabeth Rivelli
Written by
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.