The type of vehicle you are buying coverage for is a large consideration when shopping around for economical auto insurance for felons. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of liability claims will cost less to insure than adrenaline junky models. The table below estimates car insurance rates for the most cost-effective automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $2,428 |
| Ford Escape XLT 2WD | $2,438 |
| Toyota Prius | $2,461 |
| Toyota RAV4 2WD | $2,629 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $2,703 |
| Ford Explorer XLT 2WD | $2,720 |
| Hyundai Elantra GLS 4-Dr Sedan | $2,770 |
| Nissan Rogue S AWD | $2,814 |
| Kia Optima LX | $2,822 |
| Jeep Grand Cherokee Limited 2WD | $2,821 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $2,828 |
| Toyota Corolla XRS | $2,821 |
| Toyota Tacoma 4WD | $2,827 |
| Ford F-150 Lariat Crew Cab Harley 4WD | $2,871 |
| Ford Fusion S 4-Dr Sedan | $2,878 |
| Chevrolet Impala LS | $2,898 |
| Ford Focus SE 4-Dr Sedan | $2,904 |
| Ford Edge Limited 2WD | $2,898 |
| Dodge Grand Caravan SXT | $2,935 |
| Chevrolet Equinox LS AWD | $2,965 |
| GMC Sierra SLT Crew Cab 4WD | $3,012 |
| Nissan Altima 2.5 S 4-Dr Sedan | $3,036 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $3,093 |
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in specific garaging location which can influence prices substantially.
Looking at the rates, you can infer that cars like the Honda CR-V, Ford Escape, and Toyota Prius are most likely to be some of the most economical vehicles to insure for felons.
For felons, one of the largest considerations that are used to help calculate the amount you pay for auto insurance is where you choose to live in Buffalo. Areas with more people or even just a higher incidence of claims tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.
The following table rates the most expensive cities in New York for felons to purchase a policy in. Buffalo makes the list at #13 with the annual price of $1,548 on average, which is around $129 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | New York | $2,735 |
| 2 | Freeport | $2,303 |
| 3 | Hempstead | $2,211 |
| 4 | Levittown | $2,061 |
| 5 | Yonkers | $1,958 |
| 6 | Mount Vernon | $1,938 |
| 7 | West Babylon | $1,932 |
| 8 | Hicksville | $1,862 |
| 9 | Brentwood | $1,853 |
| 10 | Coram | $1,784 |
| 11 | White Plains | $1,678 |
| 12 | New Rochelle | $1,610 |
| 13 | Buffalo | $1,548 |
| 14 | Cheektowaga | $1,253 |
| 15 | West Seneca | $1,237 |
| 16 | Niagara Falls | $1,225 |
| 17 | Tonawanda | $1,165 |
| 18 | Syracuse | $1,130 |
| 19 | Utica | $1,092 |
| 20 | Schenectady | $1,062 |
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Prices are estimated as the specific area where the vehicle is garaged can alter auto insurance rates considerably.
Determining which companies quote the cheapest car insurance rates for felons may require a bit more work in order to find the most economical policy. Each company has a different formula to set their prices, so let’s take a look at the overall cheapest car insurance companies in Buffalo, NY.
Find the Best Cheap Insurance for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,163 |
| 2 | Erie | $1,218 |
| 3 | Utica National | $1,489 |
| 4 | Travelers | $1,513 |
| 5 | Progressive | $1,558 |
| 6 | Allstate | $1,588 |
| 7 | Amica | $1,596 |
| 8 | MetLife | $1,620 |
| 9 | Preferred Mutual | $1,737 |
| 10 | New York Central Mutual | $1,892 |
| 11 | GEICO | $1,926 |
| 12 | State Farm | $1,962 |
| 13 | Safeco | $1,966 |
| 14 | Central Mutual | $2,008 |
| 15 | Liberty Mutual | $2,087 |
| 16 | Hanover | $2,323 |
| 17 | Encompass | $2,610 |
| 18 | Nationwide | $3,085 |
| 19 | Mercury | $3,926 |
| 20 | 21st Century | $4,455 |
| Find Cheaper Rates Go | ||
USAA may have some of the best car insurance rates in Buffalo at around $1,163 each year. Erie, Utica National, Travelers, and Progressive are also some of the cheaper Buffalo, NY auto insurance companies.
As shown in the table above, if you are insured with Progressive and switched to Erie, you might achieve savings of roughly $340. Insureds with Allstate may save as much as $370 a year, and Amica customers might reduce rates by $378 a year.
Be aware that those estimates are averaged across all ages of drivers and types of vehicles and do not factor in an exact vehicle garaging location for felons. So the auto insurance company that has the lowest price for you may not even be in the top 20 companies in the list above. That is why you need to get car insurance quotes using your own driver and vehicle profiles.
Discount Buffalo insurance
Car insurance companies that sell policies for felons may also give you policy discounts that can reduce rates by 40% or more if you qualify for them. The best car insurance companies and the discounts they provide can be read below.
- Mercury Insurance may have discounts that include accident-free, age of vehicle, ease of repair, anti-theft, low natural disaster claims, and good driver.
- Farmers Insurance policyholders can earn discounts including bundle discounts, early shopping, youthful driver, distant student, and pay in full.
- Farm Bureau includes discounts for youthful driver, driver training, multi-policy, multi-vehicle, renewal discount, 55 and retired, and safe driver.
- State Farm has savings for good driver, defensive driving training, multiple autos, Steer Clear safe driver discount, passive restraint, and accident-free.
- Allstate may include discounts for anti-lock brakes, 55 and retired, farm vehicle, FullPay discount, and premier plus.
- GEICO offers premium reductions for multi-vehicle, anti-lock brakes, five-year accident-free, federal employee, defensive driver, multi-policy, and good student.
The diagram below illustrates the difference between premium costs with and without discounts applied to the premium. The costs are based on a female driver, no claims or violations, New York state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with claim-free, safe-driver, accident-free, vehicle safety, passive restraint, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for felons is 28% or $490.
The example below demonstrates how deductibles can influence insurance premiums when trying to find cheap insurance for felons. Data assumes a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
The data above shows that a 50-year-old driver could reduce rates by $180 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $272 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, have the ability to save as much as $450 annually by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it will be required to have spare funds to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Tips for buying more affordable insurance for felons
The list below details some of the better thrifty suggestions that can help you locate cheaper auto insurance.
- Pay lower rates with good credit
- Raise comprehensive and collision coverage deductibles
- Older vehicles may not need full coverage
- Claim-free drivers earn discounts
- Buy vehicles with good safety ratings
- Bundle home and auto and save
- Shop around once a year for cheaper rates
That final tip is notably important, as was noted in the prior article. Coverage rates fluctuate constantly, so drivers shouldn’t be resistant to buy from a different company if you can save money.
Staying with the same company for years is fine, but it’s not a good idea if that faithfulness ends up costing you hundreds of dollars a year. It only takes a couple minutes to shop around and find cheaper auto insurance for felons in Buffalo.
The Buffalo car insurance agencies listed below can probably help you determine which insurance coverage will be best for you, since some drivers wish to have a little guidance when trying to find lower insurance rates for felons. It’s not always simple to do it yourself, and a licensed agent can bring peace of mind knowing you have enough coverage when you need it.
To locate a Buffalo insurance agent close to you, click the button at the bottom or click here to compare price quotes now.
- Niagara National Insurance
5001 Genesee St – Buffalo, NY 14225 – (716) 684-6000 - Niagara Montauk Insurance
1547 Hertel Ave – Buffalo, NY 14216 – (716) 800-4282 - MandT Insurance Agency Inc.
285 Delaware Ave – Buffalo, NY 14202 – (716) 853-7960 - GPA Insurance Inc
520 Lee Entrance # 120 – Buffalo, NY 14228 – (716) 681-1556