The car, truck, or SUV on the policy is probably the largest consideration that determines the availability of low-priced auto insurance for good drivers. Vehicles with lots of speed or power, poor safety ratings, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models. The next table shows car insurance rates for some of the cheapest vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $2,292 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $2,295 |
| Toyota Prius | $2,318 |
| Ford Escape Limited 2WD | $2,344 |
| Toyota Corolla S | $2,612 |
| Jeep Grand Cherokee SRT-8 4WD | $2,657 |
| Chevrolet Silverado LT Regular Cab | $2,664 |
| Dodge Grand Caravan CV | $2,660 |
| Ford Explorer XLT 4WD | $2,668 |
| Honda Odyssey EX W/Rear Entertainment | $2,664 |
| Toyota Tacoma Double Cab 4WD | $2,716 |
| Chevrolet Equinox LT AWD | $2,725 |
| Toyota RAV4 4WD | $2,716 |
| Volkswagen Jetta LE 4-Dr Sedan | $2,722 |
| Chevrolet Impala LS | $2,729 |
| Chevrolet Malibu LS | $2,791 |
| Hyundai Sonata SE 4-Dr Sedan | $2,799 |
| Ford Focus SEL 4-Dr Sedan | $2,810 |
| Ford F-150 Lariat Crew Cab 2WD | $2,853 |
| Toyota Camry SE | $2,863 |
| Hyundai Elantra GLS 4-Dr Sedan | $2,868 |
| Ford Edge Sport AWD | $2,863 |
| Dodge Ram Quad Cab Sport 2WD | $2,885 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific zip code location which can raise or lower insurance rates significantly.
Based upon the table data, we can presume that models like the Honda CR-V, Jeep Wrangler, Toyota Prius, Ford Escape, and Toyota Corolla are some of the most economical vehicles to insure for safe drivers.
Trying to buy budget car insurance is tough enough, and finding out which companies have the cheapest insurance rates for good drivers will require additional perseverance. Each auto insurance company uses a different method for establishing rates, so let’s take a look at the insurance companies with the most affordable rates in New York.
It’s a good idea to know that Buffalo, NY insurance rates are determined by lots of factors that control the cost of coverage. That is why it is so important to perform an extensive rate comparison to get the cheapest auto insurance rates for good drivers. Insurance prices can be determined by many things and can increase or decrease at any time, so the most affordable company two years ago may now not even be in the top five.
Find Cheaper Auto Insurance for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,152 |
| 2 | Erie | $1,205 |
| 3 | Progressive | $1,496 |
| 4 | Utica National | $1,549 |
| 5 | Travelers | $1,559 |
| 6 | Allstate | $1,588 |
| 7 | Amica | $1,596 |
| 8 | MetLife | $1,636 |
| 9 | Preferred Mutual | $1,686 |
| 10 | New York Central Mutual | $1,874 |
| 11 | GEICO | $1,907 |
| 12 | State Farm | $1,924 |
| 13 | Central Mutual | $1,948 |
| 14 | Safeco | $1,966 |
| 15 | Liberty Mutual | $2,087 |
| 16 | Hanover | $2,369 |
| 17 | Encompass | $2,662 |
| 18 | Nationwide | $3,054 |
| 19 | Mercury | $3,809 |
| 20 | 21st Century | $4,281 |
| Compare Rates Now Go | ||
USAA has some of the lowest car insurance rates in Buffalo at around $1,152 each year. Erie, Progressive, Utica National, and Travelers also make the cut as some of the most economical Buffalo, NY insurance companies.
In this example, if you currently have a policy with Utica National and switched to USAA, you may realize an annual premium reduction of roughly $397. Policyholders with Travelers may save as much as $407 a year, and Allstate insureds might reduce rates by $436 a year.
If you would like to find cheaper car insurance rates, click here to get quotes or feel free to get quotes from the companies below.
Understand that those estimates are averages across all drivers and vehicles in New York and and are not calculated with a specific vehicle garaging location for good drivers. So the insurer that can offer you the lowest price may not even be in the top 20 companies shown above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.
For safe drivers, one of the more important components that aid in calculating the amount you pay for auto insurance is where you normally keep your vehicle in Buffalo. Larger areas will most likely pay more, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The information below ranks the highest-priced areas in New York for good drivers to buy an auto insurance policy in. Buffalo ranks #13 with an annual premium of $1,533 for the average insured, which is about $128 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | New York | $2,735 |
| 2 | Hempstead | $2,301 |
| 3 | Freeport | $2,281 |
| 4 | Levittown | $2,061 |
| 5 | Mount Vernon | $1,997 |
| 6 | Yonkers | $1,978 |
| 7 | Hicksville | $1,919 |
| 8 | Brentwood | $1,910 |
| 9 | West Babylon | $1,875 |
| 10 | Coram | $1,714 |
| 11 | New Rochelle | $1,659 |
| 12 | White Plains | $1,629 |
| 13 | Buffalo | $1,533 |
| 14 | Cheektowaga | $1,216 |
| 15 | Tonawanda | $1,213 |
| 16 | Niagara Falls | $1,201 |
| 17 | West Seneca | $1,189 |
| 18 | Utica | $1,125 |
| 19 | Syracuse | $1,086 |
| 20 | Troy | $1,063 |
| 21 | Schenectady | $1,051 |
| 22 | Albany | $1,036 |
| 23 | Rochester | $1,036 |
| 24 | Irondequoit | $991 |
| 25 | Binghamton | $912 |
| Compare Rates Now Go | ||
Premium costs are approximated as the specific garaging location can lower or raise coverage prices substantially.
Get discount Buffalo insurance rates
Auto insurance companies that provide coverage for good drivers may provide rate discounts that may potentially lower prices by as much as 30% if you are eligible for them. Companies and their offered discounts can be read below.
- Farmers Insurance may offer discounts for pay in full, teen driver, youthful driver, business and professional, electronic funds transfer, and bundle discounts.
- Esurance offers discounts for anti-lock brakes, online quote, multi-policy, renters, anti-theft, and Pac-12 alumni.
- State Farm policyholders can earn discounts including student away at school, driver’s education, good student, accident-free, and safe vehicle.
- GEICO has savings for daytime running lights, seat belt use, driver training, five-year accident-free, good student, and anti-lock brakes.
- Allstate has discounts for multi-policy, passive restraint, premier plus, FullPay discount, and defensive driver.
The example below shows the comparison of car insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims, a clean driving record, New York state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, passive restraint, safe-driver, claim-free, homeowner, and multiple vehicle discounts applied. With discounts applied, theaverage amount saved on insurance for good drivers is 28% or $443.
Safe drivers pay cheaper rates
The best way to obtain good insurance rates in New York for safe drivers is to drive safe and avoid tickets and accidents. The information below highlights how speeding tickets and at-fault fender-benders increase car insurance costs for different categories of driver ages. The data is based on a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of a car insurance policy in New York per year with no accidents or violations is $1,605. Get written up for two speeding tickets and the average cost rises to $2,162, an increase of $557 each year. Next add one accident along with the two speeding tickets and the yearly cost of insurance for good drivers goes up to an average of $2,722. That’s an increase of $1,117, or $93 per month, just for not keeping your driving record clean!
Here’s why price comparisons are so important
Buffalo, NY insurance rates are impacted by many factors that can increase your annual premium. Simply turning a year older, having a teen driver, or getting a driving violation can trigger price changes resulting in some companies being more affordable than others.
In addition to those changes, auto insurance companies modify rates without warning as an adjustment for underwriting gains or losses. Heavy losses can cause rate hikes, while a lower level of claims may produce cheaper Buffalo car insurance rates.
The graph below shows rates for the cheapest car insurance in Buffalo, NY for a 40-year-old male driver with a clear driving record, no claims, and a decent credit rating. Based on his current risk factors, USAA has the cheapest car insurance rates in Buffalo at $1,896 annually. This is $179 less than the average premium paid by New York drivers of $2,075. Erie, Progressive, Utica National, and Travelers are the remainder of the best Buffalo, NY auto insurance companies.
The example below compares rates after we give the driver in the first chart an at-fault accident, poor credit, and a couple of points charged on his driving record. Due to the fact that every auto insurer has a different formula to establish rates, comparing prices most likely will result in a substantially altered list of the cheapest Buffalo car insurance companies as shown below.
Allstate now has the best insurance rate in Buffalo, NY with MetLife, Erie, Preferred Mutual, and USAA also having competitive pricing. This example demonstrates why Buffalo drivers need to compare rates to get the best auto insurance quotes for good drivers. Auto insurance prices are influenced by many different factors and can decrease or increase without notice, so the cheapest rate two years ago may now cost much more than other companies.
If you aren’t sure which coverage you need and prefer to get some guidance when shopping for cheaper insurance for safe drivers, the professional agents shown below are willing to help you determine which is the best policy.
To find an agent using an interactive map, click the button at the bottom of the list.
Linda’s Able Agency
2564 Bailey Ave – Buffalo, NY 14215 – (716) 896-3366
Dan Schmidt – State Farm Insurance Agent
615 Elmwood Ave – Buffalo, NY 14222 – (716) 783-9460
The Cesar Group Inc
354 Cayuga Rd – Buffalo, NY 14225 – (716) 626-0066
C.N. Maranto Agency, Inc.
36 Hopkins Rd – Buffalo, NY 14221 – (716) 633-1818
Lawley
361 Delaware Ave – Buffalo, NY 14202 – (716) 849-8618
More insurance agents in Buffalo, NY
Ideas to find economical insurance for good drivers
Below you’ll find a few money-saving solutions that can help you locate more affordable coverage.
- Higher credit ratings may save you money
- Do not waste money insuring older vehicles for full coverage
- Lower rates by purchasing a safer vehicle
- Save money by obeying traffic laws and keeping a clean driving record
- Raise physical damage deductibles
- Do not get into accidents
- Compare prices as often as possible
That last tip is extremely critical, as we hit on in the prior information. Rates change constantly, so drivers shouldn’t be reluctant to switch to a new company if a better deal can be had.
Loyalty to a specific company is fine, but it isn’t a good idea if that loyalty ends up costing money that could be going to better use. It takes less than five minutes to compare rates to find cheaper auto insurance for good drivers in Buffalo.