The vehicle needing coverage is one of the main factors when shopping for the best coverage for high school students. Vehicles with lots of speed or power, poor safety ratings, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.
The information below presents insurance premiums for some of the most cost-effective automobiles to insure in New York.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $7,639 |
| Ford Escape XLT 4WD | $7,726 |
| Volkswagen Jetta S 2.5 Station Wagon | $8,233 |
| Honda Accord EX-L 4-Dr Sedan | $8,238 |
| Toyota Prius | $8,320 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $8,462 |
| Ford F-150 XLT Super Cab 2WD | $8,549 |
| Chevrolet Equinox LS 2WD | $9,056 |
| Toyota RAV4 Limited 4WD | $9,065 |
| Chevrolet Impala LT | $9,056 |
| Ford Fusion S 4-Dr Sedan | $9,064 |
| Chevrolet Malibu Hybrid | $9,056 |
| Jeep Grand Cherokee Laredo 2WD | $9,065 |
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Above prices assume single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in garaging location in Buffalo, NY which can influence rates significantly.
Looking at the rates, you can conclude that models like the Honda CR-V, Ford Escape, Volkswagen Jetta, and Honda Accord are most likely going to be the cheaper vehicles to insure for teenagers. Car insurance rates will tend to be more expensive anyway just due to the fact that there is more exposure for high school students, but in general those specific models will probably have the least expensive rates compared to all other vehicles.
Deciding which company has the cheapest auto insurance rates for high school students takes a tad more effort in order to find the most economical policy. Every insurance company has their own guidelines to determine premium rates, so let’s look at the rankings for the auto insurance companies that tend to be cheaper in New York.
It’s important that you understand New York auto insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay. Getting older, moving to a different location, or getting a driving violation can cause premium changes that can now make some companies more affordable than others.
Cheap Insurance Rates for Students
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,152 |
| 2 | Erie | $1,205 |
| 3 | Utica National | $1,504 |
| 4 | Progressive | $1,512 |
| 5 | Allstate | $1,556 |
| 6 | Travelers | $1,575 |
| 7 | MetLife | $1,636 |
| 8 | Amica | $1,644 |
| 9 | Preferred Mutual | $1,754 |
| 10 | New York Central Mutual | $1,874 |
| 11 | GEICO | $1,907 |
| 12 | Central Mutual | $1,948 |
| 13 | State Farm | $1,962 |
| 14 | Safeco | $1,966 |
| 15 | Liberty Mutual | $2,087 |
| 16 | Hanover | $2,369 |
| 17 | Encompass | $2,610 |
| 18 | Nationwide | $3,054 |
| 19 | Mercury | $3,965 |
| 20 | 21st Century | $4,281 |
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USAA quotes some of the lowest car insurance rates in Buffalo at around $1,152 a year. Erie, Utica National, Progressive, and Allstate would also be considered some of the best Buffalo, NY auto insurance companies.
As shown in the table above, if you are a customer of Progressive and switched to USAA, you could earn yearly savings of in the neighborhood of $360. Policyholders with Allstate could save as much as $404 a year, and Travelers customers might reduce prices by as much as $423 a year.
Be aware that those premiums are averaged across all insureds and vehicles and are not factoring in a vehicle location for high school students. So the auto insurance company that fits your situation best may not even be in the top 20 companies shown above. That underscores the importance of why you need to get rate quotes using your own driver data and vehicle information.
For teenagers, one of the largest criteria that determine the amount you pay each year for auto insurance is where you choose to live in Buffalo. Cities with larger populations tend to have more expensive auto insurance rates, whereas more rural areas receive better rates.
The table below rates the most expensive cities in New York for high school students in which to buy car insurance. Buffalo is ranked #13 with an annual cost of $1,533 for the average insurance policy, which is approximately $128 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | New York | $2,735 |
| 2 | Hempstead | $2,301 |
| 3 | Freeport | $2,213 |
| 4 | Levittown | $2,061 |
| 5 | Mount Vernon | $1,978 |
| 6 | Yonkers | $1,958 |
| 7 | West Babylon | $1,932 |
| 8 | Hicksville | $1,900 |
| 9 | Brentwood | $1,872 |
| 10 | Coram | $1,732 |
| 11 | New Rochelle | $1,659 |
| 12 | White Plains | $1,629 |
| 13 | Buffalo | $1,533 |
| 14 | Niagara Falls | $1,237 |
| 15 | Cheektowaga | $1,216 |
| 16 | West Seneca | $1,201 |
| 17 | Tonawanda | $1,201 |
| 18 | Syracuse | $1,130 |
| 19 | Utica | $1,103 |
| 20 | Albany | $1,067 |
| 21 | Troy | $1,063 |
| 22 | Schenectady | $1,051 |
| 23 | Rochester | $1,036 |
| 24 | Irondequoit | $1,021 |
| 25 | Binghamton | $912 |
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Premium amounts are approximated as the specific geographic location can lower or raise insurance rates considerably.
Get discounts on Buffalo insurance
Insurance companies that offer coverage for high school students may also give you premium discounts that can lower rates by 35% or more if you meet specific eligibility requirements. Large auto insurance companies and some of the discounts can be read below.
- GEICO offers discounts including driver training, good student, emergency military deployment, military active duty, and daytime running lights.
- Mercury Insurance has discounts for annual mileage, anti-theft, low natural disaster claims, good student, multi-policy, multi-car, and age of vehicle.
- Farmers Insurance may include discounts for business and professional, switch companies, good student, alternative fuel, and teen driver.
- Auto-Owners Insurance includes discounts for multiple vehicles, anti-lock brakes, air bags, paperless, and teen driver.
- Liberty Mutual discounts include new vehicle discount, hybrid vehicle, preferred payment discount, newly retired, new move discount, safety features, and good student.
- SAFECO offers discounts for multi-car, anti-theft, bundle discounts, safe driver, teen safety rewards, drive less, and anti-lock brakes.
- Progressive has savings for multi-policy, online signing, good student, continuous coverage, online quote discount, and homeowner.
- USAA may offer discounts for good student, defensive driver, multi-policy, multi-vehicle, loyalty savings, annual mileage, and driver training.
The example below shows the comparison of auto insurance costs with and without discounts being applied to the rates. The information is based on a male driver, no claims or driving violations, New York state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with paid-in-full, anti-theft, passive restraint, paperless filing, vehicle safety, and continuous coverage discounts applied. With discounts applied, theaverage amount saved on auto insurance for high school students is 28% or $588.
What is the best auto insurance company in New York?
Choosing a high-quality car insurance company can be a challenge considering how many companies sell coverage in Buffalo. The rank data in the next section may help you pick which car insurance companies you want to consider when comparing rate quotes. These ratings are only comprised of companies that write coverage in many states, so companies that focus mainly on New York business are not included in these rankings.
Top 10 Major Auto Insurers in Buffalo Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Allstate
- Farmers Insurance
How to find more affordable insurance for high school students
Lowering your rates is not difficult, and here are some of the recommended money-saving ideas that can help New York drivers get cheap car insurance.
- Save money by only buying liability coverage for older vehicles
- Buy a safer vehicle
- Avoid having at-fault accidents
- Improve your credit
- Increase physical damage deductibles
- Maintain a clean driving record
- Compare rates often to find the best deal
The last tip in the list is notably critical, as was stressed in this article. Prices charged by companies can change considerably in a year, so drivers shouldn’t be reluctant to buy from a new company if you can find a cheaper rate. Being loyal to a particular company is commendable, but it isn’t a good idea if that stubbornness costs you hundreds of dollars year after year. Now is a great time to compare rates to find cheaper auto insurance for high school students in Buffalo.
The agents below are willing to help you determine which coverage meets your needs best, since some people have coverage questions and would like to have a little guidance when shopping for cheaper insurance for teenagers. It can be challenging to find the best policy yourself, so getting professional guidance from a licensed agent can provide you comfort knowing your policy gives you adequate protection in case of an accident or claim.
To locate a Buffalo car insurance agency close to you, click the button link following the list.
- Dennis Evchich Agency Inc
826 Tonawanda St – Buffalo, NY 14207 – (716) 875-7576 - Cielinski Richard Insurance Agency
2916 William St – Buffalo, NY 14227 – (716) 892-5154 - Sardinia Associates LLC
801 Main St – Buffalo, NY 14203 – (716) 853-3820 - P.A.G. Agency Inc
1660 Kensington Ave – Buffalo, NY 14215 – (716) 835-3221 - Progressive Insurance – Buffalo Service Center
6699 Transit Road – Buffalo, NY 14221 – (716) 810-1500