NYCM offers Buffalo's lowest car insurance rates at $303 annually for minimum coverage and $683 for full coverage. Other affordable options in the city include Kemper, Progressive and GEICO.
Car Insurance in Buffalo
Updated: August 14, 2025
Advertising & Editorial Disclosure
Key Takeaways
Buffalo's cheapest car insurance companies are NYCM, Progressive and Kemper, with savings up to 57% compared to the city average.
Monthly car insurance costs in Buffalo average $122 for full coverage and $64 for minimum coverage.
To get the best cheap auto insurance in Buffalo, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Buffalo?
| NYCM | $25 | $57 | -57% |
| Progressive | $34 | $63 | -49% |
| Kemper | $34 | $67 | -47% |
| GEICO | $49 | $98 | -23% |
| American Family | $62 | $121 | -3% |
Compare the Cheapest Buffalo Car Insurance for You
Your car insurance rate depends heavily on your driving history and personal details, which is why we analyzed costs across different driver profiles. Check the table below to find the cheapest insurance companies for your specific situation.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| NYCM | $59 | $706 | -63% |
| Progressive | $65 | $781 | -59% |
| Kemper | $93 | $1,121 | -41% |
| Geico | $114 | $1,368 | -28% |
| American Family | $161 | $1,930 | 2% |
Cheapest Car Insurance by Age Group in Buffalo
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Buffalo, here's who offers the lowest rate in each group:
- Cheapest car insurance for young drivers: NYCM (from $39 per month)
- Cheapest car insurance for adults: NYCM (from $25 per month)
- Cheapest car insurance for seniors: NYCM (from $38 per month)
Cheapest Car Insurance for Young Drivers in Buffalo
NYCM and Progressive offer the most affordable car insurance rates for young drivers in Buffalo, with monthly premiums starting at $39 and $83, respectively.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| NYCM | $39 | $464 | -74% |
| Progressive | $83 | $997 | -43% |
| American Family | $97 | $1,160 | -34% |
| Kemper | $116 | $1,389 | -21% |
| Erie Insurance | $123 | $1,475 | -16% |
Cheapest Car Insurance for Adult Drivers in Buffalo
In Buffalo, NYCM provides the lowest rates for adult drivers (26 to 64), saving drivers around 64% on average. Kemper, Progressive and GEICO are also among the top affordable providers for this age group.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| NYCM | $25 | $303 | -64% |
| Kemper | $34 | $402 | -53% |
| Progressive | $34 | $411 | -52% |
| Geico | $49 | $583 | -32% |
| American Family | $62 | $743 | -13% |
Cheapest Car Insurance for Senior Drivers in Buffalo
For senior drivers in Buffalo, NYCM offers the lowest rates for both coverage types. Minimum coverage costs $38 monthly, while full coverage runs $79 per month.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| NYCM | $38 | $452 | -59% |
| Kemper | $46 | $555 | -50% |
| Progressive | $50 | $595 | -46% |
| Geico | $64 | $766 | -31% |
| Erie Insurance | $86 | $1,035 | -7% |
Cheapest Car Insurance for High-Risk Drivers in Buffalo
If you have a high-risk driving profile, these Buffalo insurance providers offer the most affordable rates:
- Cheapest for Bad Credit: NYCM (from $64 per month)
- Cheapest With a DUI: Progressive (from $36 per month)
- Cheapest With an Accident: NYCM (from $25 per month)
- Cheapest With a Speeding Ticket: NYCM (from $35 per month)
Cheapest Car Insurance for Bad Credit in Buffalo
In Buffalo, the cheapest monthly premium for bad credit drivers is $64 for minimum coverage and $138 for full coverage from NYCM.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| NYCM | $64 | $768 | -40% |
| Geico | $73 | $876 | -32% |
| Erie Insurance | $74 | $889 | -31% |
| Mercury Insurance | $80 | $957 | -26% |
| Travelers | $85 | $1,016 | -21% |
Cheapest Car Insurance With a DUI in Buffalo
Progressive offers the most affordable car insurance rates in Buffalo for drivers with a DUI. You can save up to 67% on full coverage and 66% on minimum coverage compared to average city rates.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Progressive | $36 | $430 | -66% |
| NYCM | $39 | $468 | -63% |
| Kemper | $47 | $558 | -55% |
| American Family | $75 | $896 | -28% |
| Allstate | $113 | $1,358 | 9% |
Cheapest Car Insurance With an Accident in Buffalo
NYCM offers Buffalo's cheapest car insurance for drivers with accidents at $25 per month. This rate saves you 69% compared to the city average for similar coverage.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| NYCM | $25 | $303 | -69% |
| Progressive | $34 | $411 | -58% |
| Kemper | $47 | $563 | -42% |
| Geico | $56 | $674 | -30% |
| American Family | $80 | $959 | -1% |
Cheapest Car Insurance With a Speeding Ticket in Buffalo
NYCM offers the cheapest car insurance rates for Buffalo drivers with speeding tickets. Their minimum liability coverage costs $35 monthly.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| NYCM | $35 | $419 | -56% |
| Progressive | $35 | $424 | -55% |
| Kemper | $40 | $483 | -49% |
| Geico | $56 | $674 | -29% |
| American Family | $64 | $768 | -19% |
Best Car Insurance Companies in Buffalo
Buffalo's top car insurance companies are Progressive, NYCM, GEICO and American Family. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Progressive | 96 | 2 | 4 | 1 |
| NYCM | 94 | 1 | 9 | 6 |
| GEICO | 87 | 4 | 8 | 7 |
| American Family | 83 | 5 | 6 | 7 |
| Kemper | 83 | 3 | 11 | 8 |
Progressive: Best Overall
pros
2nd lowest rates in Buffalo
Best customer reputation on our list
Largest add-on coverage selection
cons
Not as affordable for drivers with clean driving records
COMPANY HIGHLIGHTS
Progressive wins our top spot in Buffalo, NY due to their overall affordable rates in the state, their great customer reputation and superior add-on coverage selection. You'll save 49% on average in the compared to the city average and their most affordable rates can be found for drivers with driving violations. Not only this, but the company also have many unique and useful add-ons like mechanical breakdown insurance (essentially a cheaper car warranty) and a diminishing deductible.
NYCM: Cheapest Overall
pros
Cheapest rates overall
Original Manufacturer Parts (OEM) coverage available
cons
Mixed customer reception
Not as large of an add-on coverage selection
COMPANY HIGHLIGHTS
If you are looking for affordable coverage, NYCM is the top choice, saving most drivers an average of 57% in the city. Even so, the company has a mixed customer reception on forums and a lower agent service rating on average than other providers on our list. On the other hand, they offer also a very useful add-on coverage selection called OEM coverage which allows repairs to be done with automaker sourced parts for a covered claim.
How Much Is Car Insurance in Buffalo?
In Buffalo, minimum coverage costs about $64 per month or $768 per year, ranking 1,332nd out of all New York cities for affordability. Full coverage averages $122 monthly or $1,461 annually, ranking 1,311th among New York cities.
| Full Coverage | $122 | $1,461 |
| Minimum Coverage | $64 | $768 |
Compare Personalized Buffalo Car Insurance Costs
While our research shows average Buffalo rates by individual factors like ZIP code, this table lets you filter costs based on your specific combination of age, driving record and other key factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $126 | $1,514 | 9% |
Buffalo Car Insurance Costs by ZIP Code
In Buffalo, car insurance rates by ZIP code range from $49 to $169 per month. ZIP code 14207 is the most expensive, while 14219 is the cheapest. Check the average rates for your ZIP code on the table below.
Data filtered by:Results filtered by:
Select
ZIP Code:14207
| 14207 | $98 | $169 |
How to Get the Best Cheap Buffalo Car Insurance
Buffalo drivers face some of the highest car insurance rates in New York, but you can still find affordable coverage with the right approach. This step-by-step guide shows you exactly how to compare options and unlock the best rates for your situation.
- 1
Calculate your coverage requirements
Start by determining how much coverage you need as a Buffalo driver. Consider factors like winter driving conditions and urban traffic risks. Use our car insurance coverage needs calculator to find the right balance between protection and affordability.
- 2
Explore specialized insurance options
Look into different types of car insurance that might save you money. If you drive less than average, consider pay-per-mile coverage. Don't own a car? Non-owner insurance might be your best choice.
- 3
Know the local cost benchmarks
Research average vehicle insurance costs in Buffalo to set realistic expectations. Understanding typical rates for your neighborhood and driving profile helps you recognize a good deal when shopping for coverage.
- 4
Stack up available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer winter safety course discounts relevant to Buffalo drivers.
- 5
Check insurer reliability ratings
Research insurance companies' track records for handling claims in Buffalo, especially during winter weather events. Look for providers with strong local presence and positive customer feedback about their snow-related claims process.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct carrier websites. Each company weighs risk factors differently, so comparing multiple offers helps find the best rate.
- 7
Review coverage each year
Set an annual reminder to review your policy. Insurance needs change as your car ages or your driving habits shift. Many Buffalo drivers find better rates by shopping around.
Cheapest Car Insurance in Buffalo: Bottom Line
Car insurance rates in Buffalo depend on your driving record, vehicle and credit score. NYCM and Progressive offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Buffalo Car Insurance: FAQ
Get straightforward answers about finding affordable car insurance in Buffalo. We'll help you understand your coverage options and save money without sacrificing protection.
What is the cheapest car insurance company in Buffalo, New York?
NYCM offers the lowest rates in Buffalo, with average annual premiums of $303 for minimum coverage and $683 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Buffalo?
Progressive ranks as Buffalo's best car insurance provider with a MoneyGeek score of 96 out of 100, scoring two points higher than NYCM. Progressive excels in both affordability and customer service.
What is the average cost of car insurance in Buffalo?
In Buffalo, drivers pay $1,461 per year for full coverage and $768 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Buffalo expensive?
Car insurance in Buffalo costs more than average, ranking 1,332nd for minimum coverage affordability and 1,311th for full coverage compared to other New York cities.
How We Chose the Best and Cheapest Car Insurance in Buffalo, NY
To help Buffalo drivers find the most affordable auto insurance companies, MoneyGeek analyzed Buffalo auto insurance rates based on data and information from the New York State Department of Financial Services and Quadrant Information Services. We studied all ZIP codes in Buffalo and hundreds of thousands of quotes for 12 companies offering auto insurance in New York to tailor options as closely as possible to you.
Buffalo Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Buffalo with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Buffalo
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in New York are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Buffalo based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.