Determining which company has the lowest-priced auto insurance rates for active military may require more time than just comparing rates from one or two companies. Each auto insurance company has their own unique process for establishing rates, so let’s take a look at the most budget-friendly auto insurance companies in New York.
It’s important to understand that Buffalo, NY auto insurance rates are based on many factors that control the policy premium. Turning one year older, increasing liability limits, or getting a speeding ticket may cause policy rate changes that can now make some companies cheaper than competitors.
Compare Cheap Insurance Quotes for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,152 |
| 2 | Erie | $1,242 |
| 3 | Progressive | $1,496 |
| 4 | Utica National | $1,549 |
| 5 | Allstate | $1,556 |
| 6 | MetLife | $1,572 |
| 7 | Travelers | $1,575 |
| 8 | Amica | $1,628 |
| 9 | Preferred Mutual | $1,737 |
| 10 | New York Central Mutual | $1,874 |
| 11 | State Farm | $1,904 |
| 12 | Safeco | $1,908 |
| 13 | GEICO | $1,926 |
| 14 | Central Mutual | $1,948 |
| 15 | Liberty Mutual | $2,026 |
| 16 | Hanover | $2,393 |
| 17 | Encompass | $2,689 |
| 18 | Nationwide | $3,178 |
| 19 | Mercury | $3,965 |
| 20 | 21st Century | $4,412 |
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USAA has some of the cheapest car insurance rates in Buffalo at around $1,152 annually. This is $923 less than the average rate paid by New York drivers of $2,075. Erie, Progressive, Utica National, and Allstate also make the cut as some of the cheapest Buffalo, NY insurance companies.
As shown above, if you currently have a policy with Progressive and switched to USAA, you could see a yearly savings of in the vicinity of $344. Drivers with Utica National might save as much as $397 a year, and Allstate insureds might cut rates by $404 a year.
Understand that those prices are averages for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for active military. So the company that has the cheapest price for you may not even be in the top 20 companies shown above. That underscores the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.
One of the many considerations that are looked at to help calculate the cost of insurance is the neighborhood you call home in Buffalo. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents benefit from lower prices.
The information below rates the highest-priced places in New York for active military to purchase car insurance in. Buffalo ranks #13 with an annual cost of $1,533 for the average insurance policy, which is around $128 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | New York | $2,708 |
| 2 | Freeport | $2,303 |
| 3 | Hempstead | $2,301 |
| 4 | Levittown | $2,061 |
| 5 | West Babylon | $1,932 |
| 6 | Mount Vernon | $1,919 |
| 7 | Hicksville | $1,919 |
| 8 | Brentwood | $1,910 |
| 9 | Yonkers | $1,900 |
| 10 | Coram | $1,732 |
| 11 | White Plains | $1,678 |
| 12 | New Rochelle | $1,659 |
| 13 | Buffalo | $1,533 |
| 14 | Cheektowaga | $1,240 |
| 15 | West Seneca | $1,201 |
| 16 | Niagara Falls | $1,201 |
| 17 | Tonawanda | $1,165 |
| 18 | Utica | $1,103 |
| 19 | Syracuse | $1,086 |
| 20 | Albany | $1,067 |
| 21 | Rochester | $1,067 |
| 22 | Troy | $1,063 |
| 23 | Schenectady | $1,051 |
| 24 | Irondequoit | $1,031 |
| 25 | Binghamton | $940 |
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Rate quotes are estimated as the garaging address in Buffalo can decrease or increase price quotes greatly.
Full coverage versus liability-only in Buffalo
Reducing the cost of auto insurance should be important to most people, and one of the fastest ways to find cheaper insurance for active military is to not pay for full coverage. The information below illustrates the comparison of annual premium costs with liability coverage only compared to full coverage. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.
If all age groups are averaged, comprehensive and collision coverage on your policy costs $1,118 per year over and above liability only. A very common question is if paying for full coverage is a waste of money. There isn’t a steadfast formula for eliminating comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
Discounts on Buffalo car insurance
Insurers that offer cheap quotes for active military may also offer price discounts that could reduce prices by as much as 35% if you meet the requirements. A few of the larger companies and some of the premium reductions they offer are included below.
- State Farm discounts include anti-theft, multiple autos, driver’s education, good student, defensive driving training, and Drive Safe & Save.
- GEICO may offer discounts for anti-lock brakes, daytime running lights, military active duty, membership and employees, and emergency military deployment.
- Liberty Mutual includes discounts for multi-car, new move discount, good student, hybrid vehicle, newly retired, and newly married.
- The Hartford offers discounts including bundle, good student, driver training, vehicle fuel type, and defensive driver.
- MetLife has savings for accident-free, good student, good driver, multi-policy, claim-free, defensive driver
- Progressive offers premium reductions for online quote discount, good student, continuous coverage, homeowner, online signing, multi-vehicle, and multi-policy.
The chart below shows the difference between insurance rates with and without discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, New York state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with safe-driver, defensive driving course, multiple policy, passive restraint, multiple vehicle, and claim-free discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for active military is 28% or $536.
How to find cheaper car insurance for active military
Here are some of the better money-saving solutions that can help Buffalo drivers quote low-cost coverage.
- Drive safely
- Safer vehicles generally have cheaper insurance rates
- Maintaining good credit helps earn cheaper rates
- Raise physical damage deductibles
- Remain accident-free and save
- Shop around and save
That last piece of advice is incredibly crucial, as we discussed in the prior information. Prices charged by car insurance companies in Buffalo fluctuate constantly, so drivers shouldn’t be resistant to change insurance companies if you find a better deal. Brand loyalty is not necessarily bad, but it isn’t a good idea if that faithfulness ends up costing you hundreds of dollars year after year. Take a couple minutes and compare rates and find cheaper auto insurance for active military.
The insurance agencies below are a good start to aid you in deciding which is the best policy, as some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when shopping for the best coverage for active military. It can be challenging to find the best coverage yourself, so agents can bring peace of mind knowing your coverage gives you enough coverage when you need it.
To locate a Buffalo car insurance agency using an interactive map, click the button at the bottom of the list or click here to compare prices now.
- La Penna Insur Agency Inc
3835 Harlem Rd – Buffalo, NY 14215 – (716) 838-1880 - Mesi Agency Inc
759 Dick Rd – Buffalo, NY 14225 – (716) 626-3355 - Nationwide Insurance: Cynthia Woltz Insurance Agency Inc
1926 clinton – Buffalo, NY 14206 – (716) 822-6874 - Joe Czaja – State Farm Insurance Agent
1021 Union Rd – Buffalo, NY 14224 – (716) 674-3654 - United Insurance Agency, Inc.
90 Bryant Woods S – Buffalo, NY 14228 – (716) 632-6118