Best Car Insurance Rates in Buffalo

Best Car Insurance Rates in Buffalo

Find Cheap Auto Insurance Quotes in Your Area

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Situated on Lake Erie and only minutes from Niagra Falls, Buffalo is New York's second most populous city home to 260,000 people. In our study we wanted to give our readership an indication of which areas in Buffalo tended to be cheaper or more expensive when it comes to car insurance prices. Even in a mid-sized city like Buffalo rates (much like the larger New York state) can have significant fluctuations based on what part of town you live in!

Cost of Car Insurance in Select Buffalo Neighborhoods

In our analysis of auto insurance premiums in Buffalo, NY we looked at 10 different neighborhoods throughout the city to help you compare what rates are like across town. The neighborhoods we included in our study were: Amherst, Blasdell, Cheektowaga, Downtown, Kenmore, Lackawanna, Lancaster, Tonawanda, West Seneca and Williamsville. The average annual rate across all ten neighborhoods in Buffalo was $1,231. Here's a peek at how each area stacked up:

Cost of Car Insurance in Buffalo

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Most Expensive Areas


Downtown Buffalo sits on the northeast shores of Lake Erie only seconds from the US/Canada border. Because it's more densely populated than other neighborhoods in Buffalo, the Downtown area has the highest auto insurance rates in the city coming in at over $1,500 annually.

West Seneca

A suburb of Buffalo and home to 44,000+ residents, the family-friendly neighborhood of West Seneca comes in as the 2nd most expensive place to insure your care in Buffalo. Average rates in West Seneca were $1,350 per year, a full $200 cheaper than our 1st place finisher.

Least Expensive Areas


Twelve miles east of downtown Buffalo is where you'll find the town of Lancaster. Good news for residents in town, Lancaster had the cheapest auto insurance rates of the 10 towns we looked at in this year's study: $1,064 annually or $89 per month.


Known as "The Gateway to the Southtowns", Blasdell is a small town of 2,500 and has the 2nd cheapest car insurance premiums in the city. Citizens of Blasdell can expect to pay $1,067 on average every year.

Map of Neighborhoods

Here are the ten neighborhoods we looked at represented by their rank. Number one has the cheapest rates in Buffalo while number ten has the most expensive.

Map of Buffalo

Best Auto Insurance Rates in Buffalo

We took a look at ten of the most popular car insurance companies in Buffalo and compared each one by average annual premium. The insurers we used in the study were: GEICO, Erie Insurance, Allstate, USAA, MetLife, Liberty Mutual, Amica, Encompass, State Farm, and Nationwide.

Best Auto Insurance Rates in Buffalo

Most Expensive Auto Insurer in Buffalo

Nationwide -| Nationwide's average rates in Buffalo were 61% higher than the next most expensive auto insurer in the city. At over $2,500 per year they were more than double the average amongst the insurers we analyzed.

Cheapest Auto Insurer in Buffalo

GEICO -| Rates from GEICO around Buffalo were easily the cheapest. Not only were they cheapest overall but they were the least expensive in each neighborhood we looked at. Drivers insuring cars in Buffalo with GEICO can pay an average of $55 per month.

Auto Theft Statistics in New York State

Of the 7 largest cities in New York, Buffalo ranked as having the most automobiles stolen per capita. With 424 auto thefts per 100,000 vehicles, Buffalo's car theft rate is 2x higher than the average of these cities and more than 4x higher than those found in New York City.

CityPopulationCar TheftsThefts per 100,000


261,0251,107 **424.1**









New York


New Rochelle



Sample auto insurance premiums assume our driver is a 30 year old single male owning his own vehicle, has excellent credit, and purchases basic liability coverage, slightly above what is required by New York state. The man drives a 2010 Toyota Camry and puts between 10-15k miles per year on the car which is primarily used for commuting to and from work. Additionally, the driver has no moving violations or accidents in the past 5 years.

Surveyed auto insurance costs in the city of Buffalo are for illustrative purposes only and actual quotes will vary based on your physical residence, driving history, and other factors.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.