Car Insurance in Buffalo
Why You Can Trust EverQuote
EverQuote powers millions of shopper requests every month, teaming up with industry-leading insurance specialists to address real-world challenges faced by people every day. We partner with the largest insurance providers in the nation, and our content is carefully crafted by experts and reviewed by licensed insurance agents for accuracy and relevance.
Car Insurance in Buffalo, NY
New York's "Queen City on the Lake" is home to around 278,000 people, making it the state's second most populous city. That's a lot of drivers, so understanding car insurance costs in Buffalo is essential for getting around without a lot of worry.
Driving in Buffalo is the best way to experience the city's industrial history and modern charm, from architecture like the Guaranty Building to scenic routes near Niagara Falls. Getting comprehensive car coverage in Buffalo provides the peace of mind you need to really enjoy everything the city has to offer.
Whether you're in search of the best Buffalo wings in town or heading out to cheer on the Bills at Highmark Stadium, your zip code, age, and the type of car you drive can affect your insurance rates. It's best to compare car insurance quotes in Buffalo to make sure you're getting the most competitive coverage.
How much is car insurance in Buffalo, NY?
The overall expense of auto insurance in Buffalo can differ widely based on the coverage options you choose. To give you an idea, listed below are the average costs for the three most popular coverage types in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
+
What are the cheapest cars to insure in Buffalo?
Assessing and ranking the insurance costs for every conceivable car make, model, and year combination in the city presents considerable challenges. However, if you are interested in newer models that generally come with lower insurance rates, here are the top 10 most affordable car makes and models to consider in Buffalo:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $174 |
| 2 | Ford F-150 | $185 |
| 3 | Honda Cr-V | $187 |
| 4 | Dodge Grand Caravan | $189 |
| 5 | Honda Odyssey | $190 |
| 6 | Toyota Tacoma | $191 |
| 7 | Chevrolet Silverado | $192 |
| 8 | Toyota Corolla | $196 |
| 9 | Toyota Rav4 | $196 |
| 10 | Kia Sedona | $197 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Whether it's a minor fender bender, a serious crash, a couple of speeding tickets, a DUI charge, or involvement in a hit-and-run, all these incidents can impact your insurance premiums in the city. Below is a breakdown showing how insurance rates can change based on typical claims and infractions in Buffalo, ordered from the least to the most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $196 | +0% |
| Not at-fault Accident | $204 | +4% |
| Driving with expired registration | $212 | +8% |
| Speeding Ticket | $240 | +22% |
| At-fault Accident | $276 | +41% |
| Driving with a suspended license | $290 | +48% |
| DUI | $298 | +52% |
| Hit and Run | $301 | +54% |
What car insurance discounts can I get in Buffalo?
A variety of discounts are available that could lower your insurance costs in Buffalo. These savings can be achieved by bundling multiple policies, making payments in full upfront, choosing paperless transactions, and qualifying for loyalty renewal discounts. Below is a list of these opportunities, ranked from those offering the most significant savings to the least, designed to help you reduce your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $172 | +$24 |
| Low Mileage | $184 | +$12 |
| Paid in Full | $185 | +$11 |
| Multi-Policy Renters | $188 | +$8 |
| Renewal discount | $191 | +$5 |
| Electronic Funds Transfer | $195 | +$1 |
| Paperless | $196 | +$0 |
| None | $196 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.