One of the more important criteria that help determine the annual cost of car insurance is the neighborhood you call home. Regions with larger populations or more claims tend to have more expensive auto insurance rates, whereas areas that tend to be more rural have the luxury of lower rates.
The table below ranks the most costly cities in New York to purchase auto insurance in. Buffalo ranks #13 with the yearly price of $1,503 for coverage, which is around $125 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | New York | $2,708 |
| 2 | Hempstead | $2,233 |
| 3 | Freeport | $2,213 |
| 4 | Levittown | $2,061 |
| 5 | Mount Vernon | $1,938 |
| 6 | Brentwood | $1,929 |
| 7 | West Babylon | $1,913 |
| 8 | Yonkers | $1,900 |
| 9 | Hicksville | $1,900 |
| 10 | Coram | $1,784 |
| 11 | White Plains | $1,629 |
| 12 | New Rochelle | $1,610 |
| 13 | Buffalo | $1,503 |
| 14 | Cheektowaga | $1,253 |
| 15 | Niagara Falls | $1,237 |
| 16 | West Seneca | $1,237 |
| 17 | Tonawanda | $1,201 |
| 18 | Syracuse | $1,097 |
| 19 | Utica | $1,092 |
| 20 | Troy | $1,063 |
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Rates are comparative as the specific Buffalo residence address can modify price quotes considerably.
Now that we see where Buffalo ranks compared to other New York cities, figuring out which insurers offer the cheapest auto insurance rates in Buffalo will take a bit more work than just quoting one company’s rates. Each insurer has a proprietary method to set premium rates, so let’s take a look at the lowest cost auto insurance companies in Buffalo, NY.
It’s a good idea to know that Buffalo, NY auto insurance rates are impacted by many factors that will increase or decrease the policy price. Simply getting older, moving across town, or getting a driving violation may prompt premium changes that can cause some rates to be more affordable than before.
Best Auto Insurance Prices in Buffalo
USAA has some of the lowest car insurance rates in Buffalo at around $1,187 per year. Erie, Utica National, Allstate, and Progressive are also some of the most economical Buffalo, NY insurance companies.
As shown in the table above, if you are insured with Allstate and switched to USAA, you might see annual savings of upwards of $354. Customers with Progressive might save as much as $355 a year, and Travelers customers might reduce prices by as much as $372 a year.
To see if your current coverage is too expensive, click here to start your custom quote or visit several of the following companies.
Be aware that those prices are averaged for all types of drivers and the different vehicles they drive and do not factor in an exact location in Buffalo. So the insurer that is best suited for you may not even be in the list above. That’s why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
The vehicle driven is one of the primary factors when consumers are trying to find the cheapest insurance in Buffalo. Vehicles with limited speed and performance, good safety features, or a low likelihood of having liability claims will cost substantially less to insure than adrenaline junky models.
The information below estimates car insurance rates for the cheaper vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $2,158 |
| Honda CR-V EX 2WD | $2,166 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $2,164 |
| Hyundai Elantra GLS Touring Station Wagon | $2,221 |
| Chevrolet Impala LT | $2,335 |
| Toyota RAV4 Limited 2WD | $2,340 |
| Ford F-150 Lariat Super Cab 4WD | $2,379 |
| Toyota Prius | $2,398 |
| Honda Civic LX-S 4-Dr Sedan | $2,417 |
| Ford Edge SE 2WD | $2,446 |
| Jeep Grand Cherokee Limited 2WD | $2,506 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $2,514 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $2,506 |
| Ford Fusion Sport 4-Dr Sedan | $2,512 |
| GMC Sierra SLE Crew Cab 2WD | $2,557 |
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Price 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 safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in garaging location in Buffalo, NY which can increase or decrease premiums greatly.
Based on these rates, cars like the Ford Escape, Honda CR-V, and Jeep Wrangler are likely to be some of the cheaper vehicles to insure for drivers in Buffalo.
The chart below demonstrates how deductible levels can change insurance costs when searching for cheap insurance in Buffalo. The information is based on a single male driver, full coverage, and no discounts are taken into consideration.
As shown above, a 40-year-old driver could cut expenses by $260 a year by increasing from a $100 deductible to a $500 deductible, or save $392 by changing to a $1,000 deductible. Young drivers, like the 20-year-old category, can save as much as $858 or even more just by using higher deductibles. If you do make the decision to raise your deductibles, it will be required to have additional funds squirreled away to satisfy the extra out-of-pocket expense that is associated with using high deductibles.