Cheapest Car Insurance In Buffalo, NY 2024
With an average monthly rate of $38 for minimum coverage, Progressive ranks as the most budget-friendly option in Buffalo.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Buffalo, NY, finding the lowest-cost car insurance can lead to a lot of varied options.
If you’re searching for the lowest-priced liability-only coverage, Progressive is a clear winner. For those needing full coverage, Progressive still provides the best rates, and young drivers find the best deals with Kemper.
Cheapest Car Insurance Companies In Buffalo, NY
Cheapest Car Insurance In Buffalo For Good Drivers: Progressive
In Buffalo, good drivers can get the most affordable car insurance rates from Progressive, with premiums around $38 a month.
If you’re a safe driver, the table below shows average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $38 | $450 |
| Erie | $60 | $714 |
| GECO | $52 | $620 |
| State Farm | $83 | $1,001 |
| Chubb | $64 | $762 |
Cheapest Car Insurance Rates For Seniors: Kemper
Kemper provides the cheapest car insurance for seniors in Buffalo, averaging $50 a month.
Below is a table with average quotes from the top low-cost auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $50 | $600 |
| GEICO | $105 | $1,254 |
| Progressive | $61 | $730 |
| State Farm | $118 | $1,418 |
| Allstate | $125 | $1,500 |
Cheapest Rates In Buffalo For Teenagers: GEICO
GEICO offers the lowest rates for teenage drivers in Buffalo, with monthly premiums averaging $132.
Below is a table presenting the insurers with the most affordable rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $132 | $1,580 |
| Allstate | $216 | $2,590 |
| State Farm | $389 | $4,671 |
| Travelers | $349 | $4,182 |
| Progressive | $137 | $1,642 |
Cheapest Full Coverage Insurance Rates In Buffalo: Progressive
In Buffalo, Progressive provides the lowest full coverage rates, averaging $60 monthly.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $60 | $715 |
| Allstate | $114 | $1,364 |
| Chubb | $125 | $1,500 |
| GEICO | $99 | $1,192 |
| State Farm | $132 | $1,581 |
Cheapest Auto Insurance For Young Adults in Buffalo: Kemper
Young adults in Buffalo can find the lowest rates with Kemper, which offers average monthly premiums of $64.
Use the following table to examine the most affordable auto insurance rates for young adults in Buffalo.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $64 | $762 |
| GEICO | $108 | $1,290 |
| State Farm | $149 | $1,787 |
| Allstate | $118 | $1,410 |
| Travelers | $179 | $2,146 |
Cheapest Liability-only Car Insurance In Buffalo: Progressive
Progressive provides the most affordable minimum coverage car insurance in Buffalo, averaging $38 a month.
Use the following table to examine rates across different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $38 | $450 |
| Erie | $60 | $714 |
| GECO | $52 | $620 |
| State Farm | $83 | $1,001 |
| Chubb | $64 | $762 |
Find affordable Buffalo rates
Cheapest Rates In Buffalo For Drivers After A DUI: Progressive
For Buffalo drivers with a DUI on their record, Progressive offers the most affordable rates, averaging $63 per month.
Buffalo drivers with a DUI can refer to the table below to find the lowest rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $63 | $752 |
| Allstate | $155 | $1,865 |
| State Farm | $145 | $1,742 |
| Kemper | $70 | $840 |
| GEICO | $292 | $3,501 |
Cheapest For Drivers With After At-Fault Accident: Progressive
Progressive has the most affordable rates for drivers with an at-fault incident, with average monthly premiums of $60.
Here’s a list of car insurance providers with the most affordable rates for drivers who have an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $60 | $720 |
| Allstate | $114 | $1,368 |
| Kemper | $70 | $840 |
| State Farm | $145 | $1,742 |
| Hanover | $248 | $2,980 |
Cheapest Car Insurance In Buffalo After A Speeding Ticket: Kemper
For drivers in Buffalo with a speeding ticket, Kemper stands out with low rates, averaging $62 per month.
The table below shows average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $62 | $740 |
| Travelers | $191 | $2,290 |
| GEICO | $115 | $1,374 |
| Allstate | $138 | $1,650 |
| Progressive | $64 | $765 |
Best Car Insurance Companies In Buffalo
For affordable insurance in Buffalo, Progressive offers $38 monthly premiums. GEICO follows closely at $52, with Kemper at $39 per month.
Listed below are the 10 leading car insurance providers in Buffalo, NY, ordered by their average monthly premiums.
| Company | Monthly Premium |
| Progressive | $38 |
| Kemper | $39 |
| Erie | $60 |
| GECO | $52 |
| State Farm | $83 |
| Chubb | $64 |
| American Family | $72 |
| Travelers | $115 |
| Mercury | $162 |
| Hanover | $152 |
Average Auto Insurance Rates In Buffalo – By Age
Car insurance rates are largely influenced by age, with younger drivers typically paying more due to less driving experience and a higher chance of accidents or violations. Teenagers, on average, can expect yearly premiums around $2,124.
At age 25, drivers typically start experiencing lower rates if they have maintained a safe driving history.
Insurance companies frequently offer the lowest rates to drivers in their 50s and early 60s, using age as an indicator of experience and risk level, which impacts premium pricing.
| Age | Average Yearly Rate |
| Teenagers | $2,124 |
| 20s | $2,343 |
| 30s | $1,516 |
| 40s | $1,780 |
| 50s | $1,747 |
| 60s | $1,374 |
| 70s | $1,666 |
Average Rates In Buffalo – By Vehicle
Your car’s type significantly impacts your insurance rates, as companies evaluate factors including its make, model, year, and body type. Typically, newer vehicles, particularly luxury models with high-tech features and expensive replacement costs, tend to incur higher premiums.
Below is a table that shows average insurance rates for different types of vehicles in Buffalo.
| Vehicle | Average Monthly Rate |
| Lincoln MKZ | $150 |
| Volkswagen Tiguan | $113 |
| Chevrolet Trax | $64 |
| Ford Focus | $92 |
| Chrysler 300 | $84 |
How Much Is Car Insurance For Other Cities In New York?
The city you reside in has a major impact on your car insurance rates. Insurance companies consider multiple factors related to your area, including the chances of accidents, theft, and vandalism, which are often elevated in urban settings. As a result, this higher risk usually results in increased premiums.
As an example, car insurance in New York City averages around $320 per month for drivers, while residents of Rochester pay about $127 monthly.
| City | Average Monthly Rate |
| New York City | $320 |
| Bronxville | $214 |
| Rochester | $127 |
| Yonkers | $237 |
| Syracuse | $140 |
| Albany | $137 |
| New Rochelle | $201 |
| Mount Vernon | $270 |
| Schenectady | $140 |
| Utica | $137 |
Average Cost Of Auto Insurance In Buffalo – By Zip Code
Zip codes are essential for insurance companies as they assess crime rates in specific areas, resulting in varied car insurance premiums based on the zip code.
Use the table below to view average insurance premiums for different Buffalo zip codes.
| Zip Code | Average Monthly Rate |
| 14214 | $131 |
| 14225 | $117 |
| 14210 | $107 |
| 14206 | $316 |
| 14261 | $139 |
Find affordable Buffalo rates
Our Methodology
By conducting a thorough examination that includes customer service feedback, product choices, pricing, and an evaluation of multiple online reviews and user experiences, I have created a comprehensive picture of the car insurance landscape in Buffalo, NY.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Buffalo?
In Buffalo, Progressive has the most affordable rates for the minimum coverage required by New York, whereas Progressive also leads in pricing for full coverage that includes both comprehensive and collision protection.
What is the average cost of car insurance in Buffalo?
The typical car insurance premium in Buffalo is around $130 per month, with rates varying depending on your zip code, the year and make of your car, and your driving record.
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