Buy Cheap Buffalo, NY Auto Insurance (2021)

Buffalo, NY auto insurance rates average $384 a month. Minimum auto insurance requirements in Buffalo, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Buffalo, NY, compare Buffalo auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The most expensive auto insurance company in Buffalo after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Buffalo is Liberty Mutual
  • Average auto insurance rates in Buffalo, NY after a DUI are $6,161/year

Finding affordable Buffalo, New York auto insurance can be challenging, but everything you need to know to buy cheap Buffalo, NY auto insurance with confidence is right here. Auto insurance rates in Buffalo are affected by local factors as well as personal ones like your driving record.

See how Buffalo, NY car insurance rates compare to Albany auto insurance rates, Mount Vernon auto insurance rates, and Buffalo auto insurance rates before you read more about the cost of auto insurance in Buffalo.

Don’t buy Buffalo, NY auto insurance until you’ve compared rates. Get free Buffalo, New York auto insurance quotes when you enter your ZIP code above.

Buffalo, NY Minimum Auto Insurance Requirements

The required auto insurance in Buffalo, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Buffalo, New York is outlined here.

Minimum Required Auto Insurance Coverage in Buffalo, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Buffalo, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Buffalo, NY. Take a look at Buffalo, New York auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Buffalo, New York

Insurance Company Poor Fair Good
Allstate $6,677 $3,835 $3,274
GEICO $2,982 $2,190 $1,966
Liberty Mutual $10,857 $7,082 $5,291
Nationwide $4,224 $4,224 $4,224
Progressive $5,848 $2,972 $2,166
State Farm $8,476 $5,312 $4,214
Travelers $5,872 $3,635 $3,130
USAA $6,141 $3,125 $2,755

Buy Cheap Buffalo, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Buffalo, New York auto insurance rates? Find out how car insurance rates in Buffalo, NY are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Buffalo, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,097 $2,870 $2,927 $2,958 $9,176 $9,807 $2,972 $2,954
GEICO $1,725 $1,660 $1,677 $1,653 $3,705 $5,475 $1,550 $1,590
Liberty Mutual $5,605 $5,605 $5,217 $5,217 $10,944 $17,790 $5,605 $5,958
Nationwide $3,137 $3,137 $2,952 $2,952 $5,767 $8,662 $3,137 $4,048
Progressive $2,197 $2,021 $1,738 $1,769 $7,623 $8,423 $2,822 $2,703
State Farm $3,749 $3,749 $3,288 $3,288 $11,200 $14,281 $4,143 $4,307
Travelers $2,961 $2,955 $2,736 $2,907 $7,160 $8,622 $3,128 $3,228
USAA $2,085 $2,049 $1,896 $1,899 $8,452 $10,030 $2,679 $2,967

Buy Cheap Buffalo, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Buffalo can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Buffalo, NY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Buffalo, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,176 $9,807
GEICO $3,705 $5,475
Liberty Mutual $10,944 $17,790
Nationwide $5,767 $8,662
Progressive $7,623 $8,423
State Farm $11,200 $14,281
Travelers $7,160 $8,622
USAA $8,452 $10,030

Buy Cheap Buffalo, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in Buffalo, New York by comparing Buffalo senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Buffalo, NY here.

Annual Auto Insurance Rates for Senior Drivers in Buffalo, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,927 $2,958
GEICO $1,677 $1,653
Liberty Mutual $5,217 $5,217
Nationwide $2,952 $2,952
Progressive $1,738 $1,769
State Farm $3,288 $3,288
Travelers $2,736 $2,907
USAA $1,896 $1,899

Find Cheap Auto Insurance Rates in Buffalo, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Buffalo, New York auto insurance. Compare Buffalo, NY auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Buffalo, New York

Insurance Company Low Medium High
Allstate $4,247 $4,574 $4,964
GEICO $2,235 $2,371 $2,532
Liberty Mutual $7,377 $7,719 $8,133
Nationwide $3,950 $4,187 $4,534
Progressive $3,456 $3,641 $3,889
State Farm $5,651 $6,041 $6,310
Travelers $3,930 $4,154 $4,552
USAA $3,872 $3,984 $4,166

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Buffalo, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Buffalo. Compare auto insurance rates in Buffalo, NY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Buffalo, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,532 $4,659
GEICO $2,309 $2,449
Liberty Mutual $7,525 $7,961
Nationwide $4,224 $4,224
Progressive $3,662 $3,662
State Farm $5,777 $6,225
Travelers $4,212 $4,212
USAA $3,967 $4,048

Find Cheap Buffalo, NY Auto Insurance Rates by ZIP Code

Auto insurance rates in Buffalo, New York can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Buffalo, NY to see how much where you live in Buffalo affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Buffalo, New York

ZIP Code Average Annual Rates
14201 $4,985
14202 $4,978
14203 $5,027
14204 $5,051
14206 $4,548
14207 $4,790
14208 $4,976
14209 $4,972
14210 $4,577
14211 $5,081
14212 $4,867
14213 $4,990
14214 $4,815
14215 $4,949
14216 $4,719
14217 $4,542
14218 $4,002
14219 $4,013
14220 $4,546
14221 $4,206
14222 $4,928
14223 $4,502
14224 $4,442
14225 $4,472
14226 $4,355
14227 $4,393
14228 $4,162
14260 $4,431
14261 $4,398

Find Cheap Buffalo, NY Auto Insurance Rates by Driving Record

Auto insurance rates in Buffalo, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Buffalo, NY, take a look at the average cost for various violations versus rates for a clean driving record in Buffalo.

Annual Buffalo, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,877 $3,877 $5,710 $4,917
GEICO $1,843 $2,010 $3,822 $1,843
Liberty Mutual $6,162 $6,162 $12,485 $6,162
Nationwide $3,195 $3,195 $7,235 $3,270
Progressive $3,558 $3,558 $3,951 $3,582
State Farm $5,701 $5,701 $6,300 $6,300
Travelers $3,566 $4,514 $4,578 $4,191
USAA $3,568 $3,626 $5,210 $3,626

Find Cheap Buffalo, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Buffalo, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Buffalo for less when you shop around and compare rates from multiple Buffalo, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Buffalo, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,710
GEICO $3,822
Liberty Mutual $12,485
Nationwide $7,235
Progressive $3,951
State Farm $6,300
Travelers $4,578
USAA $5,210

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Winners by Category: Where to Buy Cheap Auto Insurance in Buffalo, NY

Compare rates from the cheapest auto insurance companies in Buffalo, NY for your needs. Take a look at how Buffalo, New York auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Buffalo, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Find Cheap Buffalo, New York Auto Insurance Companies

If you’re looking for the cheapest Buffalo, NY auto insurance companies overall, you can compare them here. Find the best price for Buffalo, New York car insurance by company.

Average Annual Auto Insurance Rates by Company in Buffalo, New York

Insurance Company Average Annual Rates
Allstate $4,595
GEICO $2,379
Liberty Mutual $7,743
Nationwide $4,224
Progressive $3,662
State Farm $6,001
Travelers $4,212
USAA $4,007

What affects Buffalo, New York auto insurance rates?

Local factors affect auto insurance rates in Buffalo, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact Buffalo auto insurance rates.

Commute Times in Buffalo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Buffalo, NY is 21.0 minutes according to City-Data.

Traffic in Buffalo

How is traffic in Buffalo, New York? Inrix data shows that Buffalo, NY traffic makes it the 716th-most congested city compared to other cities worldwide.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Compare Auto Insurance Quotes in Buffalo, NY

You can buy cheap Buffalo, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Buffalo, New York auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption