Who Has Cheap Car Insurance Rates for Immigrants in Buffalo?

Finding reliable, affordable car insurance is not the easiest thing to do, and determining which company has the cheapest auto insurance rates for immigrants will require even more diligence.

Every car insurance company has their own guidelines for determining rates, so let’s take a look at the most competitive auto insurance companies in Buffalo, NY.

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What’s the cheapest car insurance in New York?
Rank Company Cost Per Year
1 USAA $1,152
2 Erie $1,242
3 Progressive $1,496
4 Utica National $1,504
5 Allstate $1,541
6 Travelers $1,575
7 Amica $1,580
8 MetLife $1,588
9 Preferred Mutual $1,703
10 GEICO $1,869
11 New York Central Mutual $1,892
12 State Farm $1,904
13 Safeco $1,946
14 Central Mutual $1,968
15 Liberty Mutual $2,005
16 Hanover $2,323
17 Encompass $2,583
18 Nationwide $3,054
19 Mercury $3,965
20 21st Century $4,455
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USAA offers some of the most affordable car insurance rates in Buffalo at around $1,152 a year. This is $923 less than the average price paid by New York drivers of $2,075. Erie, Progressive, Utica National, and Allstate also rank well as some of the most economical Buffalo, NY car insurance companies.

As shown in the rates above, if you are insured with Allstate and switched to Erie, you could see an annual premium reduction of approximately $299. Customers with Travelers could save as much as $333 a year, and Amica customers might lower prices by $338 a year.

If you want to find out if you’re overpaying, click here or visit any of the companies below.

Remember that these prices are averages for all types of insureds and vehicles and do not take into consideration a specific location for immigrants. So the auto insurance company that is best suited for you may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

The vehicle model driven is probably the most important factor when trying to find the lowest-priced auto insurance for immigrants. Vehicles with reasonable performance levels, excellent safety ratings, or a positive history of liability claims will cost less to insure than fast, unsafe models. The list below presents car insurance costs for a handful of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Buffalo, NY
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,947
Toyota Prius $2,153
Jeep Wrangler Sahara 4WD 2-Dr $2,185
Ford Focus S 4-Dr Sedan $2,257
Ford Escape XLT 4WD $2,276
Chevrolet Malibu LS $2,302
Toyota RAV4 Limited 2WD $2,308
Chevrolet Silverado LS Regular Cab 2WD $2,308
Dodge Grand Caravan Crew $2,346
Honda CR-V EX 2WD $2,387
Hyundai Elantra GLS Touring Station Wagon $2,396
Chevrolet Impala LTZ $2,422
GMC Sierra SLT Crew Cab 2WD $2,466
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can affect coverage rates greatly.

Looking at the rates, we can conclude that cars like the Honda Accord, Toyota Prius, Jeep Wrangler, and Ford Focus are most likely going to be the less-costly vehicles to insure for foreigners.

For foreigners, one of the largest considerations that are used to help calculate insurance cost is where you normally keep your vehicle. Larger areas tend to pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The information below shows the most costly cities in New York for immigrants to buy auto insurance in. Buffalo is ranked at #13 costing $1,548 for coverage, which is around $129 monthly.

How much is car insurance in Buffalo?
Rank City Premium Per Year
1 New York $2,735
2 Hempstead $2,233
3 Freeport $2,213
4 Levittown $2,061
5 Mount Vernon $1,938
6 Yonkers $1,920
7 Hicksville $1,900
8 West Babylon $1,856
9 Brentwood $1,853
10 Coram $1,732
11 New Rochelle $1,659
12 White Plains $1,629
13 Buffalo $1,548
14 Cheektowaga $1,203
15 Tonawanda $1,201
16 Niagara Falls $1,201
17 West Seneca $1,201
18 Utica $1,136
19 Syracuse $1,119
20 Troy $1,095
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Information shown are estimated as vehicle location can change premiums noticeably.

Full coverage versus liability only rates

Saving on auto insurance is probably important to the majority of drivers, and one of the fastest ways to buy cheap insurance for immigrants is to only pay for liability coverage. The example below illustrates the comparison of auto insurance rates when comparing full coverage to liability only. The information is based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied.

If the expense is averaged for all age categories, full coverage costs $1,488 per year more than just buying liability insurance. Lot’s of drivers question when is the right time to remove full coverage. There is no exact formula for dropping physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $10,000 after you pay the deductible. If you are paying over $1,000 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where removing full coverage is not a good idea. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

New York auto insurance companies ranked

Finding a high-quality car insurance provider can be difficult considering how many different companies insure vehicles in New York. The rank data listed below could help you select which auto insurance companies you want to consider putting your business with. These ratings only include companies who write in the majority of U.S. states, so companies that only write business in New York or surrounding areas will not be included in these rankings.

Top 10 Major Car Insurance Companies Overall in Buffalo

  1. The General
  2. Mercury Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA

Top 10 Major Car Insurance Companies in Buffalo Ranked by A.M. Best Rating

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Allstate – A+
  6. Nationwide – A+
  7. Esurance – A+
  8. Erie Insurance – A+
  9. Progressive – A+
  10. Mercury Insurance – A+

How to find the cheapest car insurance for immigrants

Below you’ll find some of the recommended thrifty suggestions that can help Buffalo drivers find cheap coverage.

That last tip is extremely critical, as we discussed in this write-up. Rates in Buffalo adjust frequently, so drivers shouldn’t hesitate to buy a different policy if a lower-cost policy is available.

Many consumers stick with the same company and that’s fine, but it’s not recommended if that dedication is costing hundreds of dollars year after year. It only takes a couple minutes to compare rates and find cheaper insurance for immigrants.

If you prefer to have some professional guidance when trying to find the best insurance rates for immigrants, the agents shown below can probably aid you in deciding which insurance coverage will be best for you. To locate a Buffalo auto insurance agent closest to you, click the link at the bottom.

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