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Your needs and driver profile affect which company is cheapest. In Buffalo, Kemper offers the cheapest minimum and full coverage policies. It’s also ideal for military-background or sports car drivers, with a speeding ticket or poor credit score, teens, young adults and seniors. Drivers with an at-fault accident or DWI may fare better with Progressive.

If you’re looking for a blend of affordability and quality service, MoneyGeek found the best car insurance companies in Buffalo.

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2023

Cheapest Car Insurance in Buffalo, NY

Cheapest Minimum Coverage Car Insurance in Buffalo

We found that a minimum coverage policy is, on average, the cheapest from the following car insurance companies in Buffalo:

  • Kemper: $364 per year
  • Progressive: $442 per year

At roughly $1,874 per year, Mercury is the most expensive auto insurer of the companies MoneyGeek surveyed in Buffalo.

Kemper also offers the most affordable car insurance in New York, costing an average of $518 per year for minimum coverage. That makes the state as a whole more expensive for the company than Buffalo.

Company
Annual Premium
Monthly Premium

Kemper

$361

$30

Kemper

$364

$30

Kemper

$422

$35

Progressive

$442

$37

Progressive

$453

$38

Progressive

$489

$41

Kemper

$577

$48

Kemper

$603

$50

GEICO

$608

$51

GEICO

$651

$54

GEICO

$653

$54

Chubb

$656

$55

Erie

$675

$56

Erie

$704

$59

Progressive

$714

$60

Progressive

$715

$60

Chubb

$751

$63

Kemper

$752

$63

American Family

$821

$68

Progressive

$824

$69

Allstate

$848

$71

Allstate

$872

$73

State Farm

$893

$74

Erie

$895

$75

American Family

$896

$75

Allstate

$957

$80

Chubb

$974

$81

State Farm

$993

$83

American Family

$995

$83

State Farm

$1,092

$91

Erie

$1,103

$92

Erie

$1,150

$96

GEICO

$1,179

$98

GEICO

$1,244

$104

GEICO

$1,270

$106

Chubb

$1,283

$107

Travelers

$1,337

$111

Allstate

$1,359

$113

Travelers

$1,366

$114

Travelers

$1,370

$114

American Family

$1,391

$116

Allstate

$1,400

$117

State Farm

$1,409

$117

Erie

$1,453

$121

Chubb

$1,491

$124

Allstate

$1,492

$124

American Family

$1,514

$126

State Farm

$1,570

$131

Hanover

$1,713

$143

State Farm

$1,777

$148

American Family

$1,788

$149

Mercury

$1,869

$156

Mercury

$1,874

$156

Chubb

$1,924

$160

Travelers

$2,028

$169

Mercury

$2,063

$172

Travelers

$2,084

$174

Hanover

$2,112

$176

Travelers

$2,135

$178

Hanover

$2,380

$198

Hanover

$2,974

$248

Mercury

$3,325

$277

Hanover

$3,400

$283

Mercury

$3,583

$299

Mercury

$3,677

$306

Hanover

$3,883

$324

Insurance Rates

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New York’s minimum car insurance requirements include bodily injury liability, property damage liability, uninsured motorist coverage and personal injury protection with the following limits:

  • $25,000 per person in bodily injury liability
  • $50,000 per accident in bodily injury liability
  • $50,000 per person in liability for death
  • $100,000 per accident in liability for death
  • $10,000 per accident in property damage liability
  • $25,000 per person in uninsured motorist bodily injury coverage
  • $50,000 per accident in uninsured motorist bodily injury coverage
  • $50,000 in personal injury protection

A minimum coverage policy only provides financial protection against the cost of damages to the other driver in an accident. If you are at fault and have $25,000 per person in bodily injury liability, and the total cost of expenses is $35,000 for one person, your insurer will only pay for $25,000, and you must cover the rest.

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MONEYGEEK EXPERT TIP

New York's car insurance requirements include uninsured motorist (UM) coverage, but underinsured motorist (UIM) coverage is not explicitly required. With only UM, you have protection if a driver who does not have insurance hits you or for a hit-and-run. UIM covers costs from an accident with a driver who hits you and doesn't have enough coverage to pay the damages you incur — it handles the amount over their limits. Many car insurance companies in New York bundle UM and UIM, so even though UM may be the state requirement, you get UIM regardless. Make sure to check whether you have UM and UIM or only UM when getting a car insurance policy in Buffalo. Insurance professionals recommend having both. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Full Coverage Car Insurance in Buffalo

In Buffalo, the following car insurance providers have the average lowest rate for a full coverage policy:

  • Kemper: $603 per year
  • Progressive: $715 per year

A full coverage policy from Mercury is the most expensive in Buffalo, costing around $3,325 per year.

Kemper is also the cheapest car insurance company for full coverage in New York at roughly $882 per year, higher than the rate for Buffalo.

Company
Annual Premium
Monthly Premium

Kemper

$361

$30

Kemper

$364

$30

Kemper

$422

$35

Progressive

$442

$37

Progressive

$453

$38

Progressive

$489

$41

Kemper

$577

$48

Kemper

$603

$50

GEICO

$608

$51

GEICO

$651

$54

GEICO

$653

$54

Chubb

$656

$55

Erie

$675

$56

Erie

$704

$59

Progressive

$714

$60

Progressive

$715

$60

Chubb

$751

$63

Kemper

$752

$63

American Family

$821

$68

Progressive

$824

$69

Allstate

$848

$71

Allstate

$872

$73

State Farm

$893

$74

Erie

$895

$75

American Family

$896

$75

Allstate

$957

$80

Chubb

$974

$81

State Farm

$993

$83

American Family

$995

$83

State Farm

$1,092

$91

Erie

$1,103

$92

Erie

$1,150

$96

GEICO

$1,179

$98

GEICO

$1,244

$104

GEICO

$1,270

$106

Chubb

$1,283

$107

Travelers

$1,337

$111

Allstate

$1,359

$113

Travelers

$1,366

$114

Travelers

$1,370

$114

American Family

$1,391

$116

Allstate

$1,400

$117

State Farm

$1,409

$117

Erie

$1,453

$121

Chubb

$1,491

$124

Allstate

$1,492

$124

American Family

$1,514

$126

State Farm

$1,570

$131

Hanover

$1,713

$143

State Farm

$1,777

$148

American Family

$1,788

$149

Mercury

$1,869

$156

Mercury

$1,874

$156

Chubb

$1,924

$160

Travelers

$2,028

$169

Mercury

$2,063

$172

Travelers

$2,084

$174

Hanover

$2,112

$176

Travelers

$2,135

$178

Hanover

$2,380

$198

Hanover

$2,974

$248

Mercury

$3,325

$277

Hanover

$3,400

$283

Mercury

$3,583

$299

Mercury

$3,677

$306

Hanover

$3,883

$324

A full coverage policy includes comprehensive and collision insurance along with the required coverages in New York.

  • Collision insurance: You are covered for repair or replacement costs if your car gets damaged after colliding with another vehicle or object. Examples of objects include a tree, fence or light pole. You also have coverage for rollover accidents.
  • Comprehensive insurance: You are covered for repair or replacement costs if your car gets damaged due to a weather-related event, fire, theft, vandalism or other non-collision incident.

Although full coverage provides additional financial protection, paying hundreds more may not be wise if your vehicle is older or has a low value.

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Cheapest Car Insurance in Buffalo After a Driving Offense

For Buffalo drivers with a violation on their record, on average, the least expensive car insurance companies for full coverage are the following:

  • Speeding ticket: Kemper ($733 per year)
  • At-fault accident: Progressive ($715 per year)
  • DUI: Progressive ($747 per year)

Mercury has the highest average annual rate in Buffalo with full coverage after a speeding ticket ($4,096), an at-fault accident ($3,563) or a DWI ($4,298). (Note: New York does not use DUI — it uses driving while intoxicated or DWI.)

A poor driving record may mean paying more for car insurance, and the company with the cheapest rate with a moving violation is likely to still cost more for a policy than what a clean record driver pays.

Company
Annual Premium
Monthly Premium

Kemper

$428

$36

Kemper

$432

$36

Progressive

$442

$37

Progressive

$453

$38

Progressive

$455

$38

Progressive

$462

$38

Progressive

$468

$39

Progressive

$483

$40

Kemper

$488

$41

Progressive

$489

$41

Kemper

$494

$41

Kemper

$495

$41

Kemper

$498

$42

Progressive

$505

$42

Kemper

$506

$42

Progressive

$511

$43

Kemper

$583

$49

Kemper

$589

$49

Erie

$675

$56

Chubb

$689

$57

Kemper

$702

$58

GEICO

$704

$59

GEICO

$704

$59

Erie

$704

$59

Progressive

$714

$60

Progressive

$715

$60

Chubb

$727

$61

Kemper

$733

$61

Progressive

$737

$61

Progressive

$737

$61

Progressive

$747

$62

GEICO

$754

$63

GEICO

$754

$63

GEICO

$756

$63

GEICO

$756

$63

Progressive

$759

$63

Erie

$791

$66

Chubb

$793

$66

Kemper

$793

$66

Kemper

$803

$67

Progressive

$824

$69

Erie

$824

$69

Kemper

$826

$69

Kemper

$839

$70

Chubb

$840

$70

Allstate

$848

$71

Progressive

$851

$71

American Family

$851

$71

Progressive

$861

$72

Allstate

$872

$73

Erie

$895

$75

Kemper

$920

$77

American Family

$930

$78

Allstate

$957

$80

Allstate

$983

$82

State Farm

$990

$83

State Farm

$990

$83

State Farm

$990

$83

Allstate

$1,004

$84

American Family

$1,023

$85

Chubb

$1,033

$86

American Family

$1,035

$86

Kemper

$1,042

$87

Erie

$1,049

$87

Kemper

$1,060

$88

American Family

$1,073

$89

Allstate

$1,087

$91

Chubb

$1,099

$92

State Farm

$1,101

$92

State Farm

$1,101

$92

State Farm

$1,101

$92

Erie

$1,103

$92

Allstate

$1,106

$92

Erie

$1,107

$92

Allstate

$1,118

$93

American Family

$1,123

$94

Erie

$1,150

$96

Erie

$1,154

$96

State Farm

$1,212

$101

State Farm

$1,212

$101

State Farm

$1,212

$101

American Family

$1,218

$102

Allstate

$1,240

$103

American Family

$1,264

$105

American Family

$1,303

$109

Chubb

$1,325

$110

Erie

$1,346

$112

Chubb

$1,356

$113

Allstate

$1,359

$113

GEICO

$1,369

$114

GEICO

$1,369

$114

Allstate

$1,400

$117

Erie

$1,404

$117

Chubb

$1,436

$120

GEICO

$1,444

$120

GEICO

$1,444

$120

American Family

$1,450

$121

Erie

$1,453

$121

Erie

$1,472

$123

GEICO

$1,474

$123

GEICO

$1,474

$123

Travelers

$1,482

$124

Allstate

$1,492

$124

Travelers

$1,520

$127

Travelers

$1,523

$127

State Farm

$1,554

$129

State Farm

$1,554

$129

State Farm

$1,554

$129

Travelers

$1,557

$130

Travelers

$1,564

$130

Chubb

$1,579

$132

American Family

$1,580

$132

Chubb

$1,582

$132

Travelers

$1,598

$133

Travelers

$1,604

$134

Travelers

$1,605

$134

Travelers

$1,611

$134

Allstate

$1,640

$137

Chubb

$1,680

$140

Allstate

$1,701

$142

Hanover

$1,713

$143

Hanover

$1,713

$143

State Farm

$1,731

$144

State Farm

$1,731

$144

State Farm

$1,731

$144

American Family

$1,737

$145

Erie

$1,782

$149

American Family

$1,824

$152

Allstate

$1,827

$152

Erie

$1,842

$154

Allstate

$1,855

$155

American Family

$1,871

$156

GEICO

$1,887

$157

American Family

$1,905

$159

Erie

$1,919

$160

Allstate

$1,931

$161

GEICO

$1,944

$162

State Farm

$1,961

$163

State Farm

$1,961

$163

State Farm

$1,961

$163

Mercury

$2,023

$169

Mercury

$2,028

$169

GEICO

$2,046

$171

Chubb

$2,048

$171

American Family

$2,072

$173

Allstate

$2,083

$174

Hanover

$2,112

$176

Hanover

$2,112

$176

Chubb

$2,169

$181

Chubb

$2,187

$182

Mercury

$2,238

$186

Hanover

$2,263

$189

American Family

$2,275

$190

Travelers

$2,277

$190

Mercury

$2,296

$191

Mercury

$2,305

$192

American Family

$2,339

$195

Travelers

$2,352

$196

Hanover

$2,380

$198

Hanover

$2,380

$198

Travelers

$2,406

$200

Travelers

$2,411

$201

Travelers

$2,431

$203

Erie

$2,442

$204

Mercury

$2,444

$204

Mercury

$2,450

$204

Travelers

$2,489

$207

Travelers

$2,512

$209

Travelers

$2,551

$213

Travelers

$2,572

$214

Mercury

$2,585

$215

Chubb

$2,703

$225

Mercury

$2,751

$229

Hanover

$2,804

$234

Hanover

$2,974

$248

Hanover

$2,974

$248

Hanover

$3,204

$267

Chubb

$3,256

$271

Hanover

$3,400

$283

Hanover

$3,400

$283

GEICO

$3,492

$291

Mercury

$3,563

$297

GEICO

$3,577

$298

GEICO

$3,797

$316

Mercury

$3,843

$320

Hanover

$3,864

$322

Hanover

$3,883

$324

Hanover

$3,883

$324

Mercury

$3,956

$330

Mercury

$4,096

$341

Mercury

$4,298

$358

Chubb

$4,399

$367

Mercury

$4,418

$368

Hanover

$4,453

$371

Mercury

$4,625

$385

Mercury

$4,630

$386

Mercury

$4,859

$405

Hanover

$5,167

$431

It doesn’t always happen, but car insurance rates may increase with the severity of the moving violation. For example, Buffalo drivers with a DWI may pay around $616 more a year for full coverage than those with a speeding ticket. But it’s possible to get cheap car insurance with a bad driving record.

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MONEYGEEK EXPERT TIP

By adding accident forgiveness to your car insurance policy, you will avoid a premium increase after your first at-fault accident as long as your motor vehicle record is moving violation free before the accident. Many insurance companies offer accident forgiveness as an add-on coverage, and if you choose, for example, GEICO or Progressive, you can earn it at no cost. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Buffalo for Teens and Their Families

Buffalo’s average cheapest car insurance companies for 16-year-old teen drivers on a family policy with full coverage are the following:

  • Kemper: $1,048 per year for female teens; $1,083 per year for male teens
  • GEICO: at $1,574 per year for female teens
  • Progressive: $1,821 per year for male teens

State Farm is, on average, the most expensive company in Buffalo for male teens ($5,644 per year) or female teens ($4,662 per year) on a family policy.

Because auto insurers consider younger men riskier to insure, male teens tend to pay more for coverage than female teens. Depending on the company, the difference may be small ($37 from Kemper) or significant ($1,038 from State Farm). In young adulthood, the gender cost difference diminishes.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Kemper

$593

$1,722

Kemper

$603

$1,614

Kemper

$780

$2,737

Kemper

$788

$2,439

Kemper

$811

$3,327

Progressive

$813

$3,684

Kemper

$817

$2,187

Kemper

$819

$2,192

Kemper

$826

$2,904

Progressive

$834

$3,894

Kemper

$836

$2,430

GEICO

$838

$2,417

Kemper

$850

$4,980

Kemper

$875

$3,070

Kemper

$877

$2,548

Kemper

$879

$3,452

Progressive

$897

$4,064

Kemper

$918

$6,141

Progressive

$928

$4,333

GEICO

$931

$2,683

Progressive

$933

$4,793

Kemper

$934

$3,831

GEICO

$940

$2,709

Kemper

$942

$4,430

GEICO

$949

$3,139

Progressive

$964

$4,368

Progressive

$975

$5,257

Progressive

$1,012

$4,728

GEICO

$1,013

$3,139

Kemper

$1,032

$6,050

GEICO

$1,042

$2,550

Kemper

$1,048

$7,389

Kemper

$1,074

$7,183

Kemper

$1,083

$8,415

Progressive

$1,129

$5,047

GEICO

$1,243

$3,043

GEICO

$1,243

$3,043

GEICO

$1,257

$4,551

Progressive

$1,257

$5,826

GEICO

$1,278

$3,884

GEICO

$1,281

$5,971

GEICO

$1,288

$3,991

GEICO

$1,376

$4,288

Progressive

$1,442

$10,180

State Farm

$1,449

$2,983

Progressive

$1,493

$6,675

GEICO

$1,505

$7,018

Progressive

$1,517

$8,632

GEICO

$1,574

$9,032

Progressive

$1,578

$11,163

Progressive

$1,634

$9,286

Progressive

$1,637

$12,312

Progressive

$1,642

$7,614

GEICO

$1,667

$10,287

GEICO

$1,674

$5,215

Allstate

$1,688

$3,028

State Farm

$1,688

$3,475

State Farm

$1,704

$3,943

Progressive

$1,726

$12,187

Allstate

$1,726

$2,339

State Farm

$1,763

$3,630

GEICO

$1,797

$7,297

Allstate

$1,798

$2,437

Progressive

$1,821

$13,804

Allstate

$1,872

$6,140

Allstate

$1,883

$2,254

Allstate

$1,911

$3,231

Allstate

$1,918

$2,959

Travelers

$1,920

$3,488

Progressive

$1,932

$13,669

Allstate

$1,964

$2,661

Travelers

$1,971

$3,581

Travelers

$2,001

$3,805

GEICO

$2,014

$12,431

Travelers

$2,016

$3,531

Travelers

$2,018

$3,667

Allstate

$2,031

$2,432

Travelers

$2,073

$3,631

GEICO

$2,093

$16,026

Allstate

$2,102

$4,501

Allstate

$2,110

$3,785

Allstate

$2,137

$2,897

Travelers

$2,151

$4,090

Travelers

$2,179

$3,818

State Farm

$2,206

$3,066

Allstate

$2,215

$2,652

Allstate

$2,235

$6,557

Travelers

$2,248

$4,038

Allstate

$2,396

$4,620

Travelers

$2,497

$4,429

Allstate

$2,500

$8,201

Travelers

$2,503

$4,496

Travelers

$2,526

$5,078

Allstate

$2,545

$4,304

Allstate

$2,583

$11,080

State Farm

$2,712

$4,260

Travelers

$2,839

$5,035

Allstate

$2,843

$9,854

Travelers

$2,870

$5,807

State Farm

$2,873

$4,563

State Farm

$2,905

$4,036

Allstate

$2,935

$8,611

State Farm

$3,099

$4,307

State Farm

$3,122

$5,474

State Farm

$3,169

$4,978

State Farm

$3,238

$4,734

Travelers

$3,391

$6,726

Travelers

$3,968

$7,872

Travelers

$3,997

$7,896

State Farm

$4,016

$6,581

Travelers

$4,174

$10,243

State Farm

$4,307

$6,296

State Farm

$4,331

$6,933

State Farm

$4,662

$7,982

State Farm

$4,669

$7,474

Travelers

$4,785

$9,452

Travelers

$5,061

$12,648

State Farm

$5,217

$9,076

State Farm

$5,470

$9,515

State Farm

$5,644

$10,863

Because auto insurance for teens is expensive, it’s wiser to add them to a family policy than buy a separate policy. Plus, in most cases, teens under 18 cannot legally buy auto insurance — a parent or guardian must co-sign. In Buffalo, a 16-year-old male teen’s policy may cost roughly $3,359 more a year than a family policy. By shopping around, you can find the cheapest auto insurance for teens.

Cheapest Car Insurance in Buffalo for Military Drivers

For drivers with a military background, on average, the most affordable companies for full coverage in Buffalo are the following:

  • Kemper: $603 per year
  • Progressive: $715 per year

At an average cost of $1,132 per year, USAA is another option since it tailors its policies to active-duty military members, veterans and their families. You may also want to get a quote from GEICO because it has military-specific discounts that may save you a great deal on car insurance in Buffalo.

If you choose minimum coverage in Buffalo, Kemper also offers the average cheapest car insurance for military families at $364 per year, while Progressive has the second lowest rate at $442 per year.

Company
Annual Premium
Monthly Premium

Kemper

$361

$30

Kemper

$364

$30

Kemper

$422

$35

Progressive

$442

$37

Progressive

$453

$38

Progressive

$489

$41

Kemper

$577

$48

Kemper

$603

$50

GEICO

$608

$51

USAA

$627

$52

GEICO

$651

$54

GEICO

$653

$54

Chubb

$656

$55

USAA

$660

$55

Erie

$675

$56

Erie

$704

$59

Progressive

$714

$60

Progressive

$715

$60

Chubb

$751

$63

Kemper

$752

$63

USAA

$774

$65

American Family

$821

$68

Progressive

$824

$69

Allstate

$848

$71

Allstate

$872

$73

State Farm

$893

$74

Erie

$895

$75

American Family

$896

$75

Allstate

$957

$80

Chubb

$974

$81

State Farm

$993

$83

American Family

$995

$83

State Farm

$1,092

$91

Erie

$1,103

$92

USAA

$1,130

$94

USAA

$1,132

$94

Erie

$1,150

$96

GEICO

$1,179

$98

GEICO

$1,244

$104

GEICO

$1,270

$106

Chubb

$1,283

$107

Travelers

$1,337

$111

Allstate

$1,359

$113

Travelers

$1,366

$114

Travelers

$1,370

$114

American Family

$1,391

$116

Allstate

$1,400

$117

State Farm

$1,409

$117

USAA

$1,430

$119

Erie

$1,453

$121

Chubb

$1,491

$124

Allstate

$1,492

$124

American Family

$1,514

$126

State Farm

$1,570

$131

Hanover

$1,713

$143

State Farm

$1,777

$148

American Family

$1,788

$149

Mercury

$1,869

$156

Mercury

$1,874

$156

Chubb

$1,924

$160

Travelers

$2,028

$169

Mercury

$2,063

$172

Travelers

$2,084

$174

Hanover

$2,112

$176

Travelers

$2,135

$178

Hanover

$2,380

$198

Hanover

$2,974

$248

Mercury

$3,325

$277

Hanover

$3,400

$283

Mercury

$3,583

$299

Mercury

$3,677

$306

Hanover

$3,883

$324

How to Compare Cheap Buffalo Car Insurance Quotes Online

Getting a car insurance quote online in Buffalo from one company involves submitting various personal details, which can take 15 minutes or more — comparing quotes from different insurers can be time-consuming.

To help ease this process, MoneyGeek created a car insurance calculator that provides a rough estimate of your rate from multiple providers based on basic information such as age, vehicle type, coverage level and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

Cheapest Car Insurance in Buffalo for Young Adults

The following companies offer the average cheapest car insurance for young adults in Buffalo with full coverage:

  • Kemper: $752 per year
  • Progressive: $824 per year

At about $3,883 per year, Hanover is the most expensive for full coverage in Buffalo.

Auto insurance rates tend to be more expensive for younger drivers because of their higher incidence of at-fault accidents and moving violations. Case in point, 25-year-olds in Buffalo pay around $273 more yearly for full coverage than 40-year-olds.

Company
Annual Premium
Monthly Premium

Kemper

$361

$30

Kemper

$364

$30

Kemper

$422

$35

Progressive

$442

$37

Progressive

$453

$38

Progressive

$489

$41

Kemper

$577

$48

Kemper

$603

$50

GEICO

$608

$51

GEICO

$651

$54

GEICO

$653

$54

Chubb

$656

$55

Erie

$675

$56

Erie

$704

$59

Progressive

$714

$60

Progressive

$715

$60

Chubb

$751

$63

Kemper

$752

$63

American Family

$821

$68

Progressive

$824

$69

Allstate

$848

$71

Allstate

$872

$73

State Farm

$893

$74

Erie

$895

$75

American Family

$896

$75

Allstate

$957

$80

Chubb

$974

$81

State Farm

$993

$83

American Family

$995

$83

State Farm

$1,092

$91

Erie

$1,103

$92

Erie

$1,150

$96

GEICO

$1,179

$98

GEICO

$1,244

$104

GEICO

$1,270

$106

Chubb

$1,283

$107

Travelers

$1,337

$111

Allstate

$1,359

$113

Travelers

$1,366

$114

Travelers

$1,370

$114

American Family

$1,391

$116

Allstate

$1,400

$117

State Farm

$1,409

$117

Erie

$1,453

$121

Chubb

$1,491

$124

Allstate

$1,492

$124

American Family

$1,514

$126

State Farm

$1,570

$131

Hanover

$1,713

$143

State Farm

$1,777

$148

American Family

$1,788

$149

Mercury

$1,869

$156

Mercury

$1,874

$156

Chubb

$1,924

$160

Travelers

$2,028

$169

Mercury

$2,063

$172

Travelers

$2,084

$174

Hanover

$2,112

$176

Travelers

$2,135

$178

Hanover

$2,380

$198

Hanover

$2,974

$248

Mercury

$3,325

$277

Hanover

$3,400

$283

Mercury

$3,583

$299

Mercury

$3,677

$306

Hanover

$3,883

$324

Cheapest Car Insurance in Buffalo for Seniors

In Buffalo, on average, the least expensive car insurance for seniors with full coverage is offered by the following:

  • Kemper: $577 per year
  • Progressive: $714 per year

The most expensive full coverage policy is about $3,677 per year from Mercury.

Seniors tend to pay more for coverage than middle-aged drivers because of an increased risk of accidents. In Buffalo, 65-year-old drivers pay around $64 more for insurance than 40-year-old drivers.

Company
Annual Premium
Monthly Premium

Kemper

$361

$30

Kemper

$364

$30

Kemper

$422

$35

Progressive

$442

$37

Progressive

$453

$38

Progressive

$489

$41

Kemper

$577

$48

Kemper

$603

$50

GEICO

$608

$51

GEICO

$651

$54

GEICO

$653

$54

Chubb

$656

$55

Erie

$675

$56

Erie

$704

$59

Progressive

$714

$60

Progressive

$715

$60

Chubb

$751

$63

Kemper

$752

$63

American Family

$821

$68

Progressive

$824

$69

Allstate

$848

$71

Allstate

$872

$73

State Farm

$893

$74

Erie

$895

$75

American Family

$896

$75

Allstate

$957

$80

Chubb

$974

$81

State Farm

$993

$83

American Family

$995

$83

State Farm

$1,092

$91

Erie

$1,103

$92

Erie

$1,150

$96

GEICO

$1,179

$98

GEICO

$1,244

$104

GEICO

$1,270

$106

Chubb

$1,283

$107

Travelers

$1,337

$111

Allstate

$1,359

$113

Travelers

$1,366

$114

Travelers

$1,370

$114

American Family

$1,391

$116

Allstate

$1,400

$117

State Farm

$1,409

$117

Erie

$1,453

$121

Chubb

$1,491

$124

Allstate

$1,492

$124

American Family

$1,514

$126

State Farm

$1,570

$131

Hanover

$1,713

$143

State Farm

$1,777

$148

American Family

$1,788

$149

Mercury

$1,869

$156

Mercury

$1,874

$156

Chubb

$1,924

$160

Travelers

$2,028

$169

Mercury

$2,063

$172

Travelers

$2,084

$174

Hanover

$2,112

$176

Travelers

$2,135

$178

Hanover

$2,380

$198

Hanover

$2,974

$248

Mercury

$3,325

$277

Hanover

$3,400

$283

Mercury

$3,583

$299

Mercury

$3,677

$306

Hanover

$3,883

$324

Cheapest Car Insurance in Buffalo for Poor Credit

On average, the cheapest auto insurance for drivers with bad credit that need full coverage in Buffalo is offered by the following companies:

  • Kemper: $1,520 per year
  • Chubb: $1,811 per year

Hanover is the most expensive insurer at $304,581 per year.

Car insurance rates tend to be higher for drivers with bad credit than those with good credit. In Buffalo, the difference could be 1,834.17% or around $29,652 a year.

Company
Annual Premium
Monthly Premium

Chubb

$776

$65

Kemper

$788

$66

Kemper

$822

$68

Chubb

$900

$75

Kemper

$933

$78

GEICO

$947

$79

GEICO

$1,016

$85

GEICO

$1,070

$89

Chubb

$1,188

$99

Kemper

$1,430

$119

Kemper

$1,520

$127

Allstate

$1,537

$128

Chubb

$1,540

$128

Allstate

$1,602

$134

Allstate

$1,786

$149

Chubb

$1,811

$151

Erie

$1,821

$152

GEICO

$1,845

$154

Kemper

$1,873

$156

Erie

$1,897

$158

State Farm

$1,947

$162

GEICO

$1,948

$162

GEICO

$2,092

$174

State Farm

$2,168

$181

Travelers

$2,367

$197

Chubb

$2,372

$198

State Farm

$2,387

$199

Erie

$2,408

$201

Travelers

$2,416

$201

Travelers

$2,424

$202

Allstate

$2,524

$210

Allstate

$2,567

$214

Allstate

$2,823

$235

Erie

$2,837

$236

Erie

$2,954

$246

State Farm

$3,041

$253

State Farm

$3,397

$283

Erie

$3,731

$311

Travelers

$3,816

$318

State Farm

$3,852

$321

Travelers

$3,930

$327

Travelers

$4,014

$334

Progressive

$4,109

$342

Mercury

$4,145

$345

Mercury

$4,155

$346

Progressive

$4,216

$351

American Family

$4,314

$360

Progressive

$4,343

$362

Mercury

$4,581

$382

American Family

$4,763

$397

American Family

$5,387

$449

Progressive

$6,252

$521

Progressive

$6,280

$523

Progressive

$6,584

$549

Mercury

$7,399

$617

American Family

$7,856

$655

Mercury

$7,988

$666

Mercury

$8,198

$683

American Family

$8,609

$717

American Family

$10,267

$856

Hanover

$183,557

$15,296

Hanover

$223,495

$18,625

Hanover

$238,191

$19,849

Hanover

$304,581

$25,382

Hanover

$348,923

$29,077

Hanover

$377,008

$31,417

Car insurance companies charge higher rates to drivers with poor credit because they believe they are more likely to submit claims. Those with lower credit-based insurance scores may reduce their auto insurance rate by looking for discounts, bundling policies or comparing quotes to find the best and cheapest provider.

You may also improve your credit score over time — ways to do this include making payments on time and keeping your credit card utilization low.

Cheapest Car Insurance in Buffalo for Sports Cars

On average, Buffalo’s most affordable car insurance companies for drivers with sports cars and full coverage are the following:

  • Kemper: $632 per year
  • Progressive: $849 per year

The most expensive insurer for a sports car in Buffalo is Travelers, costing roughly $1,951 per year.

Depending on the location, companies may charge a higher rate to drivers with a sports car. However, in Buffalo, drivers with a sports car pay around $265 (or -16.41%) less a year than those with a standard Toyota Camry.

Company
Annual Premium
Monthly Premium

Kemper

$335

$28

Kemper

$338

$28

Kemper

$390

$32

Progressive

$407

$34

Progressive

$431

$36

Progressive

$485

$40

Kemper

$603

$50

GEICO

$608

$51

Kemper

$632

$53

GEICO

$651

$54

GEICO

$652

$54

Chubb

$689

$57

American Family

$717

$60

Allstate

$718

$60

Allstate

$733

$61

Progressive

$752

$63

Chubb

$790

$66

American Family

$794

$66

Kemper

$800

$67

Allstate

$802

$67

Progressive

$849

$71

State Farm

$865

$72

American Family

$894

$75

State Farm

$963

$80

Progressive

$1,018

$85

Chubb

$1,040

$87

State Farm

$1,069

$89

Travelers

$1,215

$101

Travelers

$1,248

$104

Travelers

$1,249

$104

Allstate

$1,282

$107

Allstate

$1,347

$112

American Family

$1,351

$113

GEICO

$1,354

$113

Allstate

$1,387

$116

Chubb

$1,424

$119

GEICO

$1,429

$119

GEICO

$1,460

$122

American Family

$1,483

$124

State Farm

$1,550

$129

Chubb

$1,665

$139

State Farm

$1,729

$144

American Family

$1,788

$149

Travelers

$1,951

$163

State Farm

$1,983

$165

Travelers

$2,016

$168

Travelers

$2,066

$172

Chubb

$2,176

$181

We used a Ford Mustang in our analysis to represent a sports car, but pricing can change by make and model. Those with luxury, electric or sports cars tend to have a more expensive premium. But in some exceptional cases, for example, in Buffalo, they may pay less.

Average Cost of Car Insurance in Buffalo

In Buffalo, the average cost of full coverage car insurance is $1,518 per year. That is around $510 cheaper than the average cost of car insurance in New York, but roughly $253 more expensive than the national average of $1,265 per year.

As of October 2022, Buffalo is cheaper than New York City (around $2,843 per year) and more expensive than Rochester (roughly $1,177/year). That said, location is just one of many factors impacting car insurance rates.

These rates are for a full coverage policy with $100,000 per person in bodily injury liability, $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Rochester

$1,257

$723

Syracuse

$1,356

$764

Buffalo

$1,617

$953

Yonkers

$2,296

$1,284

New York

$3,060

$1,761

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.