Best Car Insurance Companies in Buffalo, NY

Depending on your needs, the best insurer for you could vary. The best full and minimum coverage insurance is provided by Chubb. Young adults, those who value service and older drivers should also consider Chubb. Progressive is best when you have a driving record, and Allstate is ideal if you have a brand-new car, are young or are a teen.

For individuals who value affordability, MoneyGeek also found the cheapest car insurance providers in Buffalo.

These companies ranked as the best auto insurance in Buffalo for full coverage:

• Chubb: MoneyGeek score of 79 out of 100 ($1,491 per year)
• Erie: MoneyGeek score of 77 out of 100 ($1,150 per year)

With its high scores in claims and satisfaction, Chubb is our top pick. Despite having some of the highest prices, policyholders can still obtain high-quality service. The best auto insurance in New York is Erie, with Cubb placing second.

USAA is one of the top insurers for military families in Buffalo, with a MoneyGeek score of 79 out of 100.

Chubb is our top pick in Buffalo out of the 11 insurance companies we analyzed, having scored the highest in both claims and customer satisfaction. However, at $1,491 a year, it is expensive. The highest scores for coverage go to American Family, but it performed poorly in other areas where Chubb excelled.

The prices listed above are for full coverage insurance. We only ranked companies if enough data was available for all scoring components.

Taking out the affordability component, the following auto insurance providers in Buffalo offer the best customer service for full coverage policies:

• Chubb: MoneyGeek score of 76 out of 100 ($1,491 per year)
• Erie: MoneyGeek score of 70 out of 100 ($1,150 per year)

Among the 11 companies evaluated, Chubb had the best ratings for claims handling and client satisfaction. However, its plans are typically more expensive when compared to those offered by other companies. This means you’ll pay more for excellent service.

When faced with a stressful scenario like a serious accident, customer support is essential. Insurance companies with excellent customer service can handle claims quickly and address consumers' issues.

Chubb is our top choice, given its excellent claims management as well as client service scores. Kemper is the cheapest option in the city, but it performs poorly in all other categories.

We assessed insurance companies on the basis of the quality of service and affordability of their minimum coverage plans. The best auto insurance companies in Buffalo for the minimum protection required are:

• Chubb: MoneyGeek score of 79 out of 100 ($751 per year)
• Progressive: MoneyGeek score of 76 out of 100 ($442 per year)

While minimum coverage insurance is frequently the most affordable option, it might not provide sufficient liability protection. Liability-only insurance typically excludes coverage for damages to your car. The minimum level of auto insurance in New York applies to all cities.

The best cheap car insurance in Buffalo is one that offers affordable costs without sacrificing service quality for its minimum coverage policies.

Our top pick, Chubb, allows you to have both. Chubb surpassed Progressive to take the top spot despite the latter having slightly cheaper rates.

The following companies offer the best auto insurance for young drivers in Buffalo who need full coverage:

• Chubb: MoneyGeek score of 78 out of 100 ($1,924 per year)
• Erie: MoneyGeek score of 77 out of 100 ($1,453 per year)

Although Chubb's car insurance is among the most costly in the city, it redeemed itself by receiving top marks for claims management and customer satisfaction. These are important factors for young drivers who might be more likely to file claims.

Young drivers should evaluate providers according to consumer service, cost and age-specific benefits when trying to find the best auto insurance company. All of these criteria are met by Chubb, with the exception of affordability. It has some of the highest insurance premiums in the area. It compensates for this aspect with the numerous discounts available to drivers.

Although Erie has less expensive rates than Chubb, it had weaker coverage options and claims scores.

For a 16-year-old on a full coverage family plan, the best teen auto insurance in Buffalo are:

• Allstate: MoneyGeek score of 66 out of 100 ($2,843 per year)
• State Farm: MoneyGeek score of 66 out of 100 ($5,644 per year)

Allstate is highly rated for its coverage options and affordability. This is a fantastic choice if you do not want to compromise quality.

Teenagers in Buffalo could save an average of $2,767 annually by joining their family policy rather than buying their own. It’s important to note that teens under 18 cannot purchase coverage without a parent or guardian’s approval.

The best companies for teen drivers have reasonably low premiums, exceptional customer service and teen-specific discount offerings. The reason Allstate is the best insurance for teen drivers is that it has some of the cheapest rates, delivers excellent coverage and gives teen drivers special discounts.

State Farm, our runner-up, may have a better client satisfaction score, but its coverage options are limited.

The best auto insurance providers in Buffalo for senior drivers with full coverage policies are:

• Chubb: MoneyGeek score of 82 out of 100 ($1,283 per year)
• Erie: MoneyGeek score of 78 out of 100 ($1,103 per year)

Having received the highest ratings for both claims handling and client satisfaction, Chubb offers the best auto insurance for elders. While rates for drivers in their 70s are more expensive, drivers in their 60s often pay rates that are comparable to those of drivers in their 30s through 50s.

Drivers in their 60s often pay cheaper rates than people of other ages. Cheap full coverage insurance with personal injury protection (PIP) is the best insurance for elderly drivers since it adequately covers their health costs if they sustain major injuries in an incident.

Despite not offering senior-specific discounts, Chubb stands out from the industry thanks to its outstanding claims management and first-rate customer support. The runner-up, Erie, does offer better affordability.

The best auto insurance in Buffalo for those with driving offenses who want full coverage are:

• Progressive: MoneyGeek score of 74 out of 100 ($747 per year)
• Erie: MoneyGeek score of 73 out of 100 ($1,919 per year)

Progressive is the best option for drivers with violations because it has the cheapest rates and provides many coverage options.

Insurance prices usually rise in direct proportion to the seriousness of the violation. A driver in Buffalo who receives a speeding ticket or a DWI (driving while intoxicated) will pay an additional $210 and $762, respectively.

A top-notch car insurance company for drivers with a history of violations provides affordable rates and essential coverages such as rental car and/or travel reimbursement, roadside assistance and accident forgiveness.

Progressive scored high marks for affordability and coverage options. Our second-place finisher, Erie, has some of the most expensive rates in the city but offers better customer service.

The top companies offering the best full coverage car insurance to new car owners in Buffalo:

• Allstate: MoneyGeek score of 55 out of 100 ($1,564 per year)
• Kemper: MoneyGeek score of 50 out of 100 ($691 per year)

For motorists with a 2022 car model, ratings were based on price and service. Only companies with better or new car replacement coverage were considered. Besides offering many coverages and excellent service, Allstate provides new car replacement coverage. If your car is damaged in a covered incident, this coverage will pay for the cost of a new vehicle of the same make and model.

New car owners should pick a car insurance provider that offers new or better car replacement coverage. If your new vehicle is damaged in an insured accident, these add-on choices could save you a lot of money.

Since it delivers outstanding service quality and provides new car replacement coverage, Allstate stands out as the top provider. Our second-place competitor, Kemper, is substantially more affordable, but it has the lowest customer satisfaction rating.

Depending on your needs and driving history, a specific auto insurance in Buffalo will be the perfect fit. Our answers to frequently asked questions below could aid in your choice.