One of the many things that are looked at to determine the annual cost of car insurance is your zip code. Areas with increased crime or more people likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The illustration below rates the most expensive areas in New York for hybrid vehicles to buy auto insurance in. Buffalo is ranked at #13 with an annual premium of $1,488 for the average policy, which is about $124 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | New York | $2,627 |
| 2 | Freeport | $2,235 |
| 3 | Hempstead | $2,233 |
| 4 | Levittown | $1,981 |
| 5 | Mount Vernon | $1,978 |
| 6 | Yonkers | $1,978 |
| 7 | West Babylon | $1,913 |
| 8 | Brentwood | $1,910 |
| 9 | Hicksville | $1,843 |
| 10 | Coram | $1,766 |
| 11 | New Rochelle | $1,627 |
| 12 | White Plains | $1,612 |
| 13 | Buffalo | $1,488 |
| 14 | Cheektowaga | $1,216 |
| 15 | Niagara Falls | $1,201 |
| 16 | West Seneca | $1,189 |
| 17 | Tonawanda | $1,165 |
| 18 | Syracuse | $1,097 |
| 19 | Utica | $1,092 |
| 20 | Albany | $1,067 |
| 21 | Schenectady | $1,062 |
| 22 | Troy | $1,053 |
| 23 | Rochester | $1,025 |
| 24 | Irondequoit | $991 |
| 25 | Binghamton | $912 |
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Annual rates are approximated as specific Buffalo zip code can influence premiums significantly.
Finding good, low-cost insurance is difficult, and deciding which company offers the best insurance rates for hybrid vehicles will require a bit more work.
Each auto insurer uses a little different formula for determining rates in each state, so first we will examine the insurance companies with the overall cheapest rates in Buffalo. It’s important to understand that Buffalo insurance rates are calculated based on many things that control the price you pay for coverage. Improving your credit rating, buying a different vehicle, or getting a speeding ticket can trigger rate changes resulting in some rates now being more affordable than competitors.
Find Cheaper Car Insurance for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,152 |
| 2 | Erie | $1,218 |
| 3 | Progressive | $1,496 |
| 4 | Utica National | $1,504 |
| 5 | Allstate | $1,541 |
| 6 | Travelers | $1,559 |
| 7 | Amica | $1,596 |
| 8 | MetLife | $1,620 |
| 9 | Preferred Mutual | $1,703 |
| 10 | New York Central Mutual | $1,818 |
| 11 | GEICO | $1,850 |
| 12 | State Farm | $1,924 |
| 13 | Safeco | $1,966 |
| 14 | Central Mutual | $2,008 |
| 15 | Liberty Mutual | $2,066 |
| 16 | Hanover | $2,393 |
| 17 | Encompass | $2,689 |
| 18 | Nationwide | $3,147 |
| 19 | Mercury | $3,809 |
| 20 | 21st Century | $4,324 |
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USAA has some of the best car insurance rates in Buffalo at around $1,152 each year. Erie, Progressive, Utica National, and Allstate also make the cut as some of the more affordable Buffalo, NY car insurance companies.
In the above example, if you have coverage with Erie and switched to USAA, you might realize an annual premium reduction of roughly $66. Drivers with Progressive may save as much as $344 a year, and Utica National customers might see rate reductions of $352 a year.
If you want to see how much you could save, click here to get quotes or visit any of the companies below.
Understand that those premium estimates are averages across all drivers and vehicles and do not take into consideration an exact location for hybrid vehicles. So the company that can offer the best rates for your situation may not even be in the top 20 companies in the list above. That affirms the importance of why you need to quote rates from many companies using your own driver data and vehicle information.
Picking a highly-rated car insurance provider is hard considering how many different insurance companies sell coverage in New York. The company information listed below may help you pick which auto insurance companies you want to consider when shopping around.
The ratings below only include companies that insure vehicles across America, so companies with more of a regional focus are not taken into consideration for these rankings. To get price quotes from these top insurers and more, click this link.
Top 10 Major Car Insurance Companies in Buffalo Ranked by Customer Service
- Mercury Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Allstate
- Farmers Insurance
Top 10 Major Car Insurance Companies in Buffalo Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Mercury Insurance – A+
Rate difference between full and liability-only coverage
Buying cheaper insurance is the goal of the majority of vehicle owners, and one of the quickest ways to save on the cost of insurance for hybrid vehicles is to buy liability only. The chart below illustrates the comparison of insurance prices with full coverage compared to only the New York minimum liability coverage. The information is based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
As an average, comprehensive and collision coverage on your policy costs $1,118 per year more than just buying liability only. Many of you may wonder when is the right time to remove full coverage. There isn’t a steadfast formula to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
Tips for finding more affordable insurance for hybrid vehicles
It is possible to find better rates, and here are some of the better penny-pinching suggestions that can help Buffalo drivers quote more affordable car insurance.
- Vehicles with good safety ratings have lower liability rates
- Higher credit scores can equal lower rates
- Do not get into accidents
- Buying your home and auto policies from the same company can earn a discount
- On older vehicles, drop full coverage
- Keep rates low by shopping around frequently
The last suggestion is notably significant, as was discussed in the prior information. Prices charged by auto insurers change constantly, so don’t be tentative to buy a policy from a new company if a more affordable rate is found. Having a favorite company is great, but we do not recommend it if that loyalty ends up costing big bucks every year. If you have a few minutes, compare rates and find cheaper car insurance for hybrid vehicles in Buffalo.
The agents below are willing to answer your questions and help you decide which coverage fits your budget, as some drivers aren’t sure which coverage they need and prefer to have some advice when shopping for the best coverage for hybrid vehicles. It’s not always simple to find the best coverage on your own, so getting advice from a licensed New York insurance agent can provide comfort knowing you have adequate coverage if you have an accident or claim.
To locate an agency in your neighborhood, click the button after the list or click here to compare prices now.
Buffalo Queen City Insurance Agency
26 French Lea Rd – Buffalo, NY 14224 – (716) 608-6047
The Byrne Insurance Agency Inc
480 Abbott Rd – Buffalo, NY 14220 – (716) 825-4100
Progressive Insurance – Buffalo Service Center
6699 Transit Road – Buffalo, NY 14221 – (716) 810-1500
P.A.G. Agency Inc
1660 Kensington Ave – Buffalo, NY 14215 – (716) 835-3221