Car Insurance in Buffalo

NYCM Insurance stands out with Buffalo's most competitive rates by far. The company charges just $303 per year for minimum coverage and $684 per year for full coverage.

These rates undercut the city average of $768 by an impressive 61%, saving Buffalo drivers hundreds of dollars annually. Kemper and Progressive offer secondary options at $402 and $411 per year for minimum coverage.

These alternatives cost more than NYCM Insurance but still provide reasonable pricing. They work well for drivers who prefer different carriers or need specialized coverage features NYCM doesn't offer.

Buffalo has relatively steady car insurance rates across age groups compared to other cities. Young drivers with NYCM Insurance pay around $464 per year for minimum coverage, which is higher than adult rates but not by much.

Adult drivers get the lowest rates at $303 annually, while seniors pay about $363 per year, roughly 20% more than adults.

This small difference makes Buffalo one of the more balanced markets for drivers of all ages.

NYCM and Progressive provide the cheapest car insurance options for young drivers in Buffalo, starting at $39 and $83 per month, respectively.

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.

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.

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)

In Buffalo, the cheapest monthly premium for bad credit drivers is $64 for minimum coverage and $138 for full coverage from NYCM.

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.

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.

NYCM offers the cheapest car insurance rates for Buffalo drivers with speeding tickets. Their minimum liability coverage costs $35 monthly.

Progressive leads Buffalo's insurance market with a MoneyGeek score of 96 out of 100. The company combines competitive prices with outstanding customer experience scores and robust digital tools.

NYCM, GEICO and American Family are also great providers for Buffalo drivers. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.

Car insurance in Buffalo costs an average of $768 per year for minimum coverage and $1,461 per year for full coverage. These rates sit slightly above the New York state average of $501 for minimum coverage.

Buffalo drivers enjoy relatively moderate premiums compared to other New York cities, with strong competition among insurers keeping costs reasonable.

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.

Car insurance rates in Buffalo are among the highest in New York, but it’s still possible to find affordable coverage. Follow this step-by-step guide to compare options and find the best rates.

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.

Get straightforward answers about finding affordable car insurance in Buffalo. We'll help you understand your coverage options and save money without sacrificing protection.

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.