Best Car Insurance Rates in Buffalo

Best Car Insurance Rates in Buffalo

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Drivers in Buffalo can go to Progressive for the best rates for minimum and full coverage car insurance, our analysis found. The company's annual rate for minimum coverage was $1,124, while it was $2,189 for full coverage.

Residents of the state's second-biggest city will pay less for coverage than the average New Yorker. Drivers with minimum coverage paid 18% less, while drivers with full coverage paid 21% less.

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Depending on your background and driving history, insurers can offer different rates and discounts. For the best prices, we recommend comparing quotes before purchasing a policy.

Cheapest auto insurance in Buffalo: Progressive

The cheapest widely available minimum liability car insurance rates in Buffalo are offered by Progressive and Geico, our analysis found. Progressive's average rate was $294 less per year than any other option.

Progressive's rate was $94 per month and $1,124 per year, a savings of $386 compared to the average. Geico was second-cheapest for minimum coverage at $118 per month and was the only other company with below-average rates.

USAA had the cheapest rates overall in Buffalo. Military members, former military members or military families are the only drivers eligible to purchase USAA insurance.

This graph lists cheapest insurance rates in Buffalo, New York

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As the least expensive option, minimum liability coverage also offers you the least protection. Those who drive a lot, own an expensive car or would like a greater degree of financial protection should consider raising coverage beyond the minimum.

Rank
Company
Monthly rate
1Progressive$94
2Geico$118
3State Farm$132
4Travelers$141
5NYCM Insurance$142
6Allstate$185
N/AUSAA$69
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Cheapest full coverage car insurance in Buffalo: Progressive

If you are going with the greater degree of protection, Progressive offers Buffalo's cheapest rates for full coverage auto insurance. Progressive's average annual rate was $2,189, $23 per month less than Geico and $72 less per month than NYMC.

The average rate for Buffalo overall was $2,805, with only Geico, USAA and Progressive charging less.

Rank
Company
Annual premium
1Progressive$2,189
2Geico$2,458
3NYCM$3,042
4Travelers$3,177
5State Farm$3,431
6Allstate$3,662
N/AUSAA$1,679
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Collision and comprehensive coverage are a key part of full coverage, offering protection for a driver's own vehicle in both an accident and other situations.

  • Collision coverage: Covers damages from an at-fault accident with another vehicle or object.
  • Comprehensive coverage: Offers protection from events outside the customer's control, such as hail, vandalism, theft and other events.

Cheap car insurance for drivers with prior incidents

A speeding ticket, accident or DUI on your driving record will raise your rates significantly compared to Buffalo drivers without any incidents.

Cheapest car insurance for drivers who have:

Cheapest car insurance in Buffalo after an accident: NYCM

In Buffalo, NYCM offers the lowest insurance rates for drivers with an accident. Progressive offers the next-best rates, followed by Geico.

NYCM's rate of $3,448 per year is $43 less than Progressive and an increase of $406 as compared to a driver with a clean record.

An accident increased rates in Buffalo by $875 per year, an increase of 31%.

Rank
Company
Annual premium
1NYCM$3,448
2Progressive$3,491
3Geico$3,693
4Travelers$4,092
5State Farm$4,151
6Allstate$5,061
N/AUSAA$1,823
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After an accident, Buffalo residents see an increase in insurance rate a little over the state average, which sits just below 31%.

Cheapest car insurance for people with a speeding ticket: Progressive

Buffalo's best rates for drivers with a speeding ticket came from Progressive. The annual premium was $2,262, which was $324 less than Geico and $780 less than NYCM.

Geico charged $2,586 per year for full coverage after an accident. NYCM charged $3,042.

Buffalo drivers with one speeding ticket paid, on average, 10% more per year — a total of $289.

Rank
Company
Annual premium
1Progressive$2,262
2Geico$2,586
3NYCM$3,042
4Travelers$3,655
5State Farm$3,791
6Allstate$4,499
N/AUSAA$1,823
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Cheapest car insurance for drivers with a DUI: Progressive

The insurer offering the cheapest auto insurance rates for drivers with a DUI in Buffalo is Progressive. The company's average rate was 39% less than the next-closest competitor.

Progressive's average annual rate was $2,296. State Farm's was the second lowest at $3,791, and Travelers’ was third at $4,020.

Rank
Company
Annual rate
1Progressive$2,296
2State Farm$3,791
3Travelers$4,020
4NYCM$4,250
5Allstate$5,138
6Geico$6,084
N/AUSAA$2,402
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Cheapest car insurance for married drivers: Progressive

Married drivers in Buffalo can save the most money with Progressive. The company's rate of $1,727 was $1,029 less than the city average.

Geico was second cheapest at $2,498. The average annual rate for married drivers in New York state overall was $2,723. Insurers tend to view married drivers as less risky, which often means lower premiums than than unmarried drivers.

Rank
Company
Annual rate
1Progressive$1,727
2Geico$2,498
3NYCM$3,067
4Travelers$3,177
5State Farm$3,431
6Allstate$3,896
N/AUSAA$1,496
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Cheapest car insurance for young drivers: Progressive

Progressive offered the lowest rates in Buffalo for 18-year-old drivers. The company's average annual premium was $6,625, which is $1,529 less than the average for drivers that age in the city.

The second-lowest rates were from Travelers, and NYCM ranked third. Young drivers paid on average 190%, or $5,349, more than 30-year-old drivers.

Eighteen-year-old drivers are usually considered high-risk drivers and thus pay notably higher premiums.

Rank
Company
Annual rate
1Progressive$6,625
2Travelers$7,289
3NYCM$7,315
4Geico$7,984
5Allstate$9,991
6State Farm$11,370
N/AUSAA$6,507
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Best auto insurance companies in Buffalo, New York

The top insurers for customer satisfaction in New York state were USAA, State Farm and Allstate, according to a ValuePenguin survey. The companies rated well for customer service and satisfaction with claims.

To learn more about each insurers' customer service rating, visit our New York car insurance page.

Average car insurance cost in Buffalo, by neighborhood

Buffalo is the second-most populous city in New York state, with 255,686 residents at the edge of the Canadian border. The city touches 30 ZIP codes and average rates for full coverage can differ by up to $828.

The cheapest area for insurance in Buffalo is a farther-out area to the northeast that includes several county clubs and the Great Baehre Swamp Wildlife Management Area. The most expensive is primarily the University of Buffalo.

ZIP code
Annual car insurance quote
14201$3,080
14202$3,070
14203$3,135
14204$3,156
14206$2,764
14207$2,948
14208$3,081
14209$3,066
14210$2,764
14211$3,175
14212$3,003
14213$3,082
Show All Rows
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Factors such as crime levels, rate of accident claim filings from that particular area and others impact the price of insurance in any neighborhood or ZIP code. One of the top ways to save money on insurance is to compare quotes from multiple insurers.

Auto theft statistics in Buffalo

Buffalo places eighth among the 10 largest cities in New York state in car thefts per 100,000 residents. In 2019, 265.6 cars per 100,000 inhabitants were stolen in Buffalo.

The lowest rates among the state's largest cities or towns were in Ramapo and Amherst.

Rank
City
Population
Car thefts
Thefts per 100,000
1Ramapo94,6332021.1
2Amherst120,8644335.6
3Clarkstown80,5993442.2
4New York8,379,0435,52265.9
5Yonkers200,07515276.0
6Greece95,7777780.4
7Albany97,221159163.5
8Buffalo255,686679265.6
9Rochester205,769651316.4
10Syracuse142,438563395.3

Motor vehicle theft data was pulled from the FBI 2019 New York Crime Report.

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Methodology

To determine the best rates in Buffalo, data was collected from eight of the largest insurers in New York. Our sample driver was a 30-year-old man with a 2015 Honda Civic EX. Unless otherwise stated, the driver had average credit and received rates for a full coverage policy.

This analysis used insurance rate data from Quadrant Information Services that was publicly sourced from insurer filings. Quotes should be used only for comparative purposes.

Sources: FBI New York Crime Report

Ben Breiner is a senior writer at ValuePenguin specializing in auto insurance. He spent ten years in newspapers and has a degree in economics and journalism from the University of Wisconsin.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.