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Average Cost of Car Insurance in Buffalo

Buffalo$1,646
New York$3,433
U.S.$1,424

The average car insurance rates in Buffalo are 52% lower than the state average. New York, after all, has the second most expensive auto insurance premiums in the country. This state average, however, is heavily skewed by New York City car insurance data.

Compared to the rest of the country, Buffalo car insurance is slightly more expensive. Average prices in the city are about 15% higher than the country average.

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The Best Cheap Car Insurance Companies in Buffalo

There is a wide range of insurance prices that car insurance companies in Buffalo offer. The most affordable, Erie, offers an average premium of $931 annually. The most expensive company, The General, offers an average premium nearly triple Erie's average.

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Personalized Quotes to Get You the Cheapest Car Insurance in Buffalo

Car insurance rates are not static. Several factors affect auto insurance rates. Factors such as your driving record, car make and credit score will be considered by insurance companies to determine your risk factor. The more favorable your risk level is for the insurance company, the lower your premium will be.

Drivers with no previous driving offenses and who have good credit scores should expect a lower insurance rate.

Since individual factors change from time to time, getting a personalized quote regularly helps you determine if you're getting the best rate available to you. If you want cheap car insurance in Buffalo, check different auto insurance companies to compare their offers.

Compare Car Insurance Rates in Buffalo

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Buffalo by Coverage Amount

How much car insurance coverage you purchase in Buffalo also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

New York Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
  • Personal Injury Protection
    $50,000 per person.
  • Other
    $50,000 liability for death per person. $100,000 liability for death per accident.

The 25/50/10 minimum required by the state can be raised to include additional coverage options. Each car insurance company in Buffalo will offer different prices for those additional options.

The minimum also only insures against the damage you may cause in an accident. You may opt for full coverage, which includes collision and damage coverage for your car. Full coverage helps if you want your car to be insured beyond just accident-related damage (like for weather-related damage). This will also raise your car insurance costs. Always request a personalized quote so that you can compare rates to determine what option is most affordable for you.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Buffalo if You Have Tickets

A clean driving record helps your insurance costs stay low. Previous offenses will raise these costs based on the severity of the offense. In Buffalo, drivers who have auto insurance with Erie will play an average of $931 if they have no violations. If that same driver gets a DUI, their rate with Erie will rise to $1,587.

Lesser violations can also affect a person's auto insurance premium. Drivers in Buffalo who have auto insurance with Erie will see their premiums rise for speeding tickets and at-fault accidents. An Erie policyholder who gets a speeding ticket may see their insurance raise from $931 to $1,050. Or, if that same driver causes an accident, their insurance may rise from $931 to $1,321.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. Erie
    $1,050
    $1,321
    $1,587
  • 2. USAA
    $1,162
    $1,336
    $1,769
  • $1,398
    $1,795
    $1,331
  • $1,438
    $1,465
    $1,634
  • 5. New York Central Mutual Fire
    $1,679
    $1,679
    $2,087
  • $1,523
    $1,775
    $3,037
  • $1,902
    $2,080
    $1,902
  • $2,022
    $2,189
    $2,195
  • $1,875
    $2,331
    $4,908
  • $2,113
    $4,169
    $4,319
  • $3,338
    $3,944
    $3,437
  • 12. The General
    $3,935
    $3,669
    $3,935

Average Cost of Car Insurance by Postal Code

Your ZIP code also affects your car insurance premiums and helps insurance companies determine the risks that you and your car may face. People living in high-risk ZIP codes should expect to pay more for their premiums. The difference between the most expensive and the most affordable ZIP code in the city is $584. Buffalo's 14221 ZIP code is the most affordable in the city: $1,445. People living in the 14215 ZIP code area will pay the most in the city — $2,029 on average.

  • Zip Code
    State Minimumper year
  • 14221
    $1,445
  • 14224
    $1,464
  • 14215
    $2,029

Factors That Impact Insurance Costs in Buffalo

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Buffalo. How Buffalo ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities237th/300
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Most Car Thefts32nd/300
uninsured icon
Most Uninsured Motorists by State50th/50
insurance2 icon
Personal Injury Protection RequiredYes
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Most Annual Rainfall108th/300
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Most Rainy Days2nd/300

Shopping around for car insurance in Buffalo could save you $716, which is enough to buy:


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239Cups of Coffee
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55Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Buffalo are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Buffalo

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.