Finding budget car insurance is easier said than done, and finding out which companies have the cheapest auto insurance rates for government employees will take even more shopping around. Each insurance company uses different criteria to set premium rates, so let’s begin by examining the auto insurance companies with the overall best prices in Buffalo.
It’s important that you understand Buffalo auto insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. This price fluctuation is why it is critical to take the time to shop around to find the cheapest insurance quotes for government employees. Prices are calculated by many factors and can increase or decrease at any time, so the lowest-price company the last time you shopped your coverage around may now be quite expensive.
Best Auto Insurance Prices in New York
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,199 |
| 2 | Erie | $1,218 |
| 3 | Progressive | $1,496 |
| 4 | Utica National | $1,534 |
| 5 | Travelers | $1,559 |
| 6 | Allstate | $1,588 |
| 7 | MetLife | $1,620 |
| 8 | Amica | $1,628 |
| 9 | Preferred Mutual | $1,686 |
| 10 | GEICO | $1,850 |
| 11 | New York Central Mutual | $1,874 |
| 12 | Safeco | $1,946 |
| 13 | State Farm | $1,982 |
| 14 | Liberty Mutual | $2,005 |
| 15 | Central Mutual | $2,028 |
| 16 | Hanover | $2,369 |
| 17 | Encompass | $2,610 |
| 18 | Nationwide | $3,178 |
| 19 | Mercury | $3,848 |
| 20 | 21st Century | $4,412 |
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USAA has some of the lowest car insurance rates in Buffalo at around $1,199 per year. This is $876 less than the average price paid by New York drivers of $2,075. Erie, Progressive, Utica National, and Travelers also make the cut as some of the more affordable Buffalo, NY car insurance companies.
As shown above, if you currently have coverage with Progressive and switched to USAA, you could realize a yearly price reduction of around $297. Customers with Utica National might save as much as $335 a year, and Travelers insureds might reduce prices by as much as $360 a year.
It’s important to note that these prices are averaged across all types of insureds and vehicles and and are not calculated with a specific location for government employees. So the car insurance company that fits your needs best may not even be in the top 20 companies in the list above. That points out the importance of why you need to compare prices as often as possible using your own personal information and vehicle type.
One of the many considerations that determine insurance cost is the neighborhood you call home in Buffalo. Areas with increased crime or more people are more likely to have higher rates, whereas areas with less crime or weather claims benefit from lower prices.
The next table sorts the most costly cities in New York for government employees to buy car insurance in. Buffalo is listed at #13 with an annual premium of $1,488 for car insurance, which is around $124 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | New York | $2,708 |
| 2 | Freeport | $2,281 |
| 3 | Hempstead | $2,233 |
| 4 | Levittown | $1,981 |
| 5 | Mount Vernon | $1,978 |
| 6 | Brentwood | $1,929 |
| 7 | Yonkers | $1,920 |
| 8 | West Babylon | $1,913 |
| 9 | Hicksville | $1,900 |
| 10 | Coram | $1,784 |
| 11 | New Rochelle | $1,676 |
| 12 | White Plains | $1,629 |
| 13 | Buffalo | $1,488 |
| 14 | Cheektowaga | $1,253 |
| 15 | West Seneca | $1,225 |
| 16 | Tonawanda | $1,213 |
| 17 | Niagara Falls | $1,201 |
| 18 | Utica | $1,136 |
| 19 | Syracuse | $1,119 |
| 20 | Albany | $1,067 |
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Prices are approximated as specific Buffalo garaging address can modify auto insurance rates substantially.
The vehicle needing coverage is one of the primary factors when shopping around for the cheapest insurance for government employees. Vehicles with reasonable performance levels, a great safety record, or low incidents of liability claims will cost much less to insure than fast, unsafe models.
The table below features coverage costs for a handful of the most economical automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,943 |
| Honda CR-V EX-L 4WD | $1,987 |
| Volkswagen Jetta S 2.5 Station Wagon | $2,107 |
| Chevrolet Impala LS | $2,256 |
| Jeep Grand Cherokee Laredo 2WD | $2,300 |
| Toyota RAV4 Limited 2WD | $2,309 |
| Hyundai Elantra Blue 4-Dr Sedan | $2,376 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $2,383 |
| Toyota Camry SE | $2,421 |
| Toyota Prius | $2,462 |
| Kia Optima LX | $2,468 |
| Toyota Tacoma 4WD | $2,497 |
| Dodge Grand Caravan SE | $2,502 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in Buffalo, NY location which can raise or lower coverage prices greatly.
Based upon the table data, models like the Ford Escape, Honda CR-V, Volkswagen Jetta, Chevrolet Impala, and Jeep Grand Cherokee will definitely be some of the most budget-friendly vehicles to insure for state and federal workers.
The information below highlights how deductible selection can raise or lower insurance rates when trying to find cheap insurance for government employees. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could cut expenses by $258 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $388 by selecting a $1,000 deductible. Young drivers, like the age 20 example, could lower their rates $860 every year just by using higher deductibles. When increasing deductibles, it will be necessary to have additional savings on hand to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Poor driving habits will raise your auto insurance rates
The ideal way to maintain the cheapest auto insurance prices in New York for state and federal workers is to be a cautious driver and avoid accidents and violations. The example below illustrates how traffic citations and at-fault collisions can drive up insurance rates for different age groups. The rate quotes are based on a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of a car insurance policy per year with no violations or accidents is $1,328. Factor in one speeding ticket and the average cost increases to $1,504, an increase of $176 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for government employees increases to an average of $1,994. That’s an increase of $666, or $56 per month, just for not driving responsibly!
Types of discounts on Buffalo car insurance
Insurance companies that offer cheap quotes for government employees may provide rate discounts that could lower prices by as much as 25% or more if you are eligible for them. Larger auto insurance companies and some of the discounts can be found below.
- Travelers may have discounts that include multi-car, driver training, student away at school, good student, hybrid/electric vehicle, and continuous insurance.
- 21st Century may offer discounts for teen driver, good student, automatic seat belts, defensive driver, and theft prevention.
- State Farm offers premium reductions for good driver, accident-free, multiple autos, driver’s education, and passive restraint.
- GEICO may include discounts for membership and employees, multi-policy, defensive driver, military active duty, and five-year accident-free.
- SAFECO offers discounts including accident prevention training, anti-theft, multi-car, homeowner, and safe driver.
- AAA offers discounts for multi-car, AAA membership discount, good student, pay-in-full, anti-theft, and education and occupation.
The information below visualizes the comparison of insurance premiums with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or violations, New York state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with claim-free, multiple policy, anti-theft, defensive driving course, accident-free, and passive restraint discounts applied. When drivers take advantage of discounts, theaverage amount saved on auto insurance for government employees is 28% or $345.