Cheapest Car Insurance Quotes in Buffalo

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Buffalo Car Insurance

^$ 50

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Buffalo

The car insurance rate in Buffalo is $1320 for a six-month policy, which is $162 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $629, making it a popular choice for budget-conscious drivers. Rates in Buffalo can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Buffalo

$1320

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Buffalo

1st place: Kemper

At $629 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $833 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $887 for six months, making it the third cheapest auto insurance company in Buffalo.

Buffalo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Buffalo, NY is Kemper, offering policies at just $629 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $833.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2025 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Buffalo drivers find the best deals.

Cheap Car Insurance Companies in Buffalo, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$629	$107
New York Central Mutual Fire	$833	$139
Progressive	$887	$149
American Family	$975	$164
NYCM	$1179	$198
USAA	$1306	$220
Erie	$1334	$225
Nationwide	$1456	$243
Travelers	$1483	$250
State Farm	$1767	$298
Allstate	$1977	$333
Chubb	$2025	$337

Key Takeaways

Way's key takeaways about car insurance in Buffalo

The auto insurance costs in Buffalo fall around $629 for six months.
The cheapest auto insurance company in Buffalo is New York Central Mutual Fire.
Teen drivers pay the highest rate in Buffalo at $1018 per month.

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Cheapest Minimum Liability Car Insurance in Buffalo

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Buffalo are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Buffalo. Their Average 6 Month Premium is $298. Preferred Mutual is the most expensive at $785 for the same period.

Cheapest Liability Coverage in Buffalo, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$298	$50
NYCM	$352	$58
Kemper	$366	$63
American Family	$440	$74
Progressive	$454	$76
USAA	$583	$98
Erie	$718	$122
Travelers	$772	$129
Allstate	$826	$140
State Farm	$880	$147
Nationwide	$569	$95
Utica National	$650	$111
Preferred Mutual	$785	$131

Cheapest Full Coverage Car Insurance in Buffalo

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Buffalo is Kemper at $107 per month and $629 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buffalo, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$629	$107
New York Central Mutual Fire	$833	$139
Progressive	$887	$149
American Family	$975	$164
NYCM	$1179	$198
USAA	$1306	$220
Erie	$1334	$225
Nationwide	$1456	$243
Travelers	$1483	$250
State Farm	$1767	$298
Allstate	$1977	$333
Chubb	$2025	$337

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Average Car Insurance in Buffalo by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Buffalo, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Buffalo, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Buffalo's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Buffalo

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Buffalo,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Buffalo at $73 per month. At $6047 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$426	$73
American Family	$514	$87
NYCM	$1138	$192
Progressive	$1402	$236
New York Central Mutual Fire	$1483	$252
Erie	$2851	$475
USAA	$3135	$528
Travelers	$4123	$694
Nationwide	$4293	$730
Chubb	$4496	$749
Allstate	$5173	$871
State Farm	$6047	$1018

Teen Car Insurance Rates in NY by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Buffalo, Kemper is the cheapest car insurance provider. At $955 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Buffalo is Progressive, offering rates of around $5722 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$955	$160
Nationwide	$1456	$247
Chubb	$1727	$291
USAA	$2099	$357
Erie	$2234	$376
American Family	$2269	$385
NYCM	$2540	$423
Allstate	$2769	$466
Mercury	$2824	$471
State Farm	$2918	$491
Travelers	$3379	$569
Progressive	$5722	$963

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Car Insurance Rates with An Accident in Buffalo

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Buffalo, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Buffalo

The cheapest car insurance companies after an at-fault accident in Buffalo include Kemper and American Family, offering $528 and $542, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $657.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$528	$88
American Family	$542	$91
Progressive	$833	$140
NYCM	$847	$143
New York Central Mutual Fire	$1002	$168
USAA	$1138	$192
Erie	$1456	$245
Chubb	$1652	$278
Allstate	$1781	$300
Travelers	$1835	$309
Nationwide	$1923	$320
State Farm	$2248	$378
Utica National	$650	$111
Preferred Mutual	$657	$109

Buffalo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Buffalo NY. For example, the car insurance in Buffalo after a DUI increases to $813 for a six month policy. While the rate increases by $129 for a six-month policy in the case of a speeding ticket.

Buffalo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1428	$238
One Med/PIP claim	$1428	$243
One comp claim	$1442	$241
Two comp claims	$1456	$247
Two Med/PIP claims	$1456	$243
Not-at-fault accident	$1463	$249
Failure to show documents	$1483	$247
Failure to wear a seat belt	$1490	$253
Driving with expired registration	$1504	$251
At-fault accident - less than $1000	$1510	$257
Cell phone violation	$1510	$252
Child safety restraint	$1510	$257
Driving without lights	$1510	$252
Failure to stop at a red light	$1510	$257
Failure to yield	$1510	$252
Following too closely	$1510	$257
Illegal turn	$1510	$252
Improper passing	$1510	$257
Passing school bus	$1510	$252
Texting while driving	$1510	$257
Wrong way/wrong lane	$1510	$252
Driving too slowly	$1524	$259
Speeding in school zone	$1524	$254
At-fault accident - $1000-$2000	$1530	$260
Speeding 11 - 15 MPH over limit	$1557	$260
Speeding 6 - 10 MPH over limit	$1557	$264
Operating a vehicle without permission	$1585	$264
Open container	$1605	$272
In 65 MPH zone	$1672	$279
Speeding 16 - 20 MPH over limit	$1693	$288
Speeding 21 - 25 MPH over limit	$1753	$292
At-fault accident - greater than $2000	$1889	$321
Reckless driving	$2018	$336
Racing	$2099	$357
Driving with a suspended license	$2174	$363
Refusal to submit to a chemical test	$2221	$377
DUI	$2241	$374
Leaving scene of an accident/hit and run	$2275	$386

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Buffalo after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Buffalo.

The cheapest car insurance premiums in Buffalo are offered by American Family at $514 for a six-month policy. However, it can be as expensive as $2540 with companies like Chubb.

Buffalo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$514	$87
Kemper	$542	$92
Progressive	$698	$117
NYCM	$1057	$178
New York Central Mutual Fire	$1219	$203
USAA	$1389	$234
Travelers	$1815	$306
Allstate	$2147	$361
Erie	$2214	$369
Nationwide	$2404	$409
State Farm	$2526	$425
Chubb	$2540	$432

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Buffalo are offered by American Family at $454. However, it can be as expensive as $2891 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Buffalo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$454	$75
Kemper	$454	$78
Progressive	$657	$111
NYCM	$1064	$181
USAA	$1232	$205
Erie	$1442	$245
Nationwide	$1456	$243
Travelers	$1679	$285
State Farm	$2031	$339
Chubb	$2404	$409
Allstate	$2891	$482

Car Insurance Price Trends in Buffalo, New York

Car insurance rates in Buffalo have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Buffalo rose by $314 in January compared to $282 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Buffalo dipped to $91 in January, compared to $97 in December. This represents an decrease of $6 when comparing January and December.

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Average Car Insurance Cost in Buffalo by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Buffalo. At $1346 for a six-month policy, insuring your car at 14210 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
14210	$1346	$225
14211	$1372	$230
14214	$1359	$227
14215	$1412	$236
14212	$1333	$223
14213	$1372	$230
14218	$1359	$227
14219	$1346	$225
14216	$1359	$227
14217	$1372	$230
14261	$1333	$223
14221	$1438	$241
14222	$1346	$225
14220	$1372	$230
14209	$1333	$223
14225	$1386	$232
14203	$1320	$221
14204	$1333	$223
14226	$1386	$232
14223	$1359	$227
14201	$1346	$225
14224	$1412	$236
14202	$1320	$221
14207	$1372	$230
14208	$1333	$223
14227	$1359	$227
14228	$1359	$227
14206	$1359	$227

Frequently Asked Questions

How much is car insurance in Buffalo?

The car insurance in Buffalo is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Buffalo?

The cheapest car insurance in Buffalo is $107 per month for full coverage.

How much is car insurance in Buffalo for teenagers?

Car insurance for teenagers costs $426 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Buffalo?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $221 per month to insure your car in Buffalo.

Is car insurance expensive in Buffalo?

Car insurance can be expensive in Buffalo if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Buffalo can be affordable.

Cheapest Car Insurance Quotes in Buffalo

Why you can trust Way?

How Much Is Car Insurance in Buffalo

Avg. Car Insurance in Buffalo

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Buffalo

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Buffalo Car Insurance Rates by Company

Cheap Car Insurance Companies in Buffalo, NY

Way's key takeaways about car insurance in Buffalo

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Buffalo

Cheapest Liability Coverage in Buffalo, NY

Cheapest Full Coverage Car Insurance in Buffalo

Cheapest Full Coverage Car Insurance Quotes in Buffalo, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Buffalo by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Buffalo, NY increasing?

Car Insurance Premiums by Age in Buffalo

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Buffalo,NY

If you are in your twenties N/A is the best choice for car insurance in Buffalo.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Buffalo

Cheapest Car Insurance Companies after an At-Fault Accident in Buffalo

Buffalo Car Insurance Rates by Violation

Buffalo auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Buffalo after a DUI

Buffalo car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Buffalo after Speeding ticket

Car Insurance Price Trends in Buffalo, New York

Average Car Insurance Cost in Buffalo by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Buffalo, NY

Car Insurance Rates by State in the USA (2025 Update)

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