For off-road vehicles, one of the big factors that are looked at to determine the amount you pay for auto insurance is where your residence is. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas with less crime or weather claims benefit from having to pay less for coverage.
The next table ranks the priciest cities in New York for 4×4 vehicles in which to purchase auto insurance. Buffalo makes the list at #13 with an annual rate of $1,488 for the average policyholder, which is approximately $124 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | New York | $2,708 |
| 2 | Freeport | $2,303 |
| 3 | Hempstead | $2,301 |
| 4 | Levittown | $2,001 |
| 5 | Yonkers | $1,958 |
| 6 | Mount Vernon | $1,919 |
| 7 | Brentwood | $1,910 |
| 8 | West Babylon | $1,856 |
| 9 | Hicksville | $1,843 |
| 10 | Coram | $1,732 |
| 11 | White Plains | $1,678 |
| 12 | New Rochelle | $1,627 |
| 13 | Buffalo | $1,488 |
| 14 | Niagara Falls | $1,225 |
| 15 | Tonawanda | $1,213 |
| 16 | Cheektowaga | $1,203 |
| 17 | West Seneca | $1,189 |
| 18 | Utica | $1,125 |
| 19 | Syracuse | $1,086 |
| 20 | Rochester | $1,067 |
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Information shown are approximated as the specific Buffalo residence address can affect coverage prices significantly.
Trying to find low-priced auto insurance is challenging, and determining which insurers offer the lowest-priced insurance rates for 4×4 vehicles will involve a little more work. Every auto insurer uses a slightly different approach for setting rates, so to begin we’ll rank the lowest cost insurance companies in Buffalo.
It’s important to understand that New York insurance rates are influenced by many factors that will increase or decrease the price you pay for coverage. This price variability is why it is so important to shop around with many companies when trying to get the most affordable insurance rates for 4×4 vehicles. Rates are made up of many different factors and can change without notice, so the most economical option six months ago may now be quite expensive.
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USAA may have some of the lowest car insurance rates in Buffalo at around $1,163 annually. Erie, Utica National, Allstate, and Progressive also make the cut as some of the lowest-priced Buffalo, NY insurance companies.
In the above rates, if you currently buy coverage from Allstate and switched to Erie, you could earn a yearly price reduction of upwards of $301. New York drivers with Progressive could save as much as $303 a year, and Travelers insureds might lower prices by up to $320 a year.
Bear in mind that those policy prices are averaged across all drivers and vehicles and and are not figured with an exact location for 4×4 vehicles. So the company that can offer you the best price may not even be in the top 20 companies shown above. That underscores the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.
How accidents and violations affect rates
The easiest method to enjoy cheap insurance premiums in New York for off-road vehicles is to pay attention while driving and not get tickets or have accidents. The information below illustrates how violations and at-fault collisions can affect yearly insurance costs for each different age group. The prices are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of an auto insurance policy in Buffalo per year with no accidents or violations is $951. Get one speeding ticket and the average cost swells to $1,094, an increase of $143 each year. Then include one accident along with the one speeding ticket and the yearly cost of insurance for 4×4 vehicles increases to an average of $1,488. That’s an increase of $536, or $45 per month, just for a couple of infractions!
Get discounts on Buffalo car insurance rates
Insurance companies that offer quotes for 4×4 vehicles may additionally offer premium discounts that may potentially lower prices by 25% or more if you meet certain criteria. A list of companies and some of the premium reductions they offer are detailed below.
- Progressive may include discounts for online quote discount, multi-vehicle, multi-policy, good student, homeowner, continuous coverage, and online signing.
- GEICO offers premium reductions for multi-vehicle, air bags, anti-theft, seat belt use, driver training, good student, and military active duty.
- State Farm has discounts for Drive Safe & Save, safe vehicle, defensive driving training, driver’s education, multiple autos, good driver, and passive restraint.
- Esurance policyholders can earn discounts including DriveSense, online quote, anti-lock brakes, renters, and Switch & Save.
- The Hartford has savings for defensive driver, driver training, good student, air bag, and bundle.
The diagram below shows the difference between insurance premiums with and without discounts applied to the rates. The price estimates are based on a male driver, no tickets, no at-fault accidents, New York state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, multiple policy, safe-driver, claim-free, marriage, and multiple vehicle discounts applied. When drivers qualify for the discounts, theamount saved on insurance for 4×4 vehicles is 28% or $465.
The benefit of shopping around
Buffalo, NY insurance rates are influenced by many factors that control the cost of your policy. Simply getting older, filing a claim, or getting into an accident can trigger price changes that can now make some companies cheaper than competitors. Not only that, but companies change premium rates at least once a year to help ensure profitability. Higher than usual claims may cause additional premium costs, while profitable underwriting can cause cheaper Buffalo car insurance rates.
To help illustrate this point, the graph below shows the cheapest car insurance in Buffalo, NY for a 30-year-old male driver with no accidents, a clean driving record, and great credit. Based on his personal profile, USAA may offer the cheapest car insurance rates in Buffalo at $1,953 each year. This is $122 less than the average policy premium paid by New York drivers of $2,075. Erie, Travelers, Utica National, and Progressive round out the rest of the cheapest Buffalo, NY auto insurance companies.
Let’s now give the driver in the first example a couple of claims, a lower credit rating, and a traffic ticket or two. Because each insurer has their own guidelines to set policy rates, comparing insurance quotes may now result in a completely different list of cheap Buffalo auto insurance companies as shown below.
Amica now has the best insurance rate in Buffalo with MetLife, Preferred Mutual, Erie, and New York Central Mutual also having competitive pricing. This example demonstrates why consumers need to take the time to compare rates when trying to find the most budget-friendly auto insurance quotes for 4×4 vehicles.
Car insurance prices are made up of many different factors and can change without notice, so the cheapest option when you last compared rates may now be one of the higher cost companies.