Cheapest Car Insurance Quotes in Niagara Falls

Finding the cheapest car insurance quotes in Niagara Falls shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Niagara Falls Car Insurance

^$ 41

/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 Niagara Falls

The car insurance rate in Niagara Falls is $957 for a six-month policy, which is $72 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $513, making it a popular choice for budget-conscious drivers. Rates in Niagara Falls 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 Niagara Falls

$957

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Niagara Falls

1st place: Kemper

At $513 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 $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $685 for six months, making it the third cheapest auto insurance company in Niagara Falls.

Niagara Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Niagara Falls, NY is Kemper, offering policies at just $513 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $680.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1430 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Niagara Falls drivers find the best deals.

Cheap Car Insurance Companies in Niagara Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$513	$87
New York Central Mutual Fire	$680	$113
Progressive	$685	$115
American Family	$795	$134
NYCM	$834	$140
Erie	$1000	$166
Nationwide	$1005	$171
USAA	$1011	$170
State Farm	$1254	$211
Travelers	$1321	$222
Allstate	$1430	$241

Key Takeaways

Way's key takeaways about car insurance in Niagara Falls

The auto insurance costs in Niagara Falls fall around $513 for six months.
The cheapest auto insurance company in Niagara Falls is New York Central Mutual Fire.
Teen drivers pay the highest rate in Niagara Falls at $729 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Niagara Falls

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 Niagara Falls are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Niagara Falls. Their Average 6 Month Premium is $243. Preferred Mutual is the most expensive at $641 for the same period.

Cheapest Liability Coverage in Niagara Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$243	$41
NYCM	$254	$43
Kemper	$299	$49
Progressive	$353	$60
American Family	$359	$60
USAA	$436	$73
Nationwide	$464	$77
Erie	$586	$100
State Farm	$680	$114
Travelers	$729	$123
Allstate	$763	$128
Utica National	$530	$90
Preferred Mutual	$641	$107

Cheapest Full Coverage Car Insurance in Niagara Falls

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 Niagara Falls is Kemper at $87 per month and $513 for six months.

Cheapest Full Coverage Car Insurance Quotes in Niagara Falls, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$513	$87
New York Central Mutual Fire	$680	$113
Progressive	$685	$115
American Family	$795	$134
NYCM	$834	$140
Erie	$1000	$166
Nationwide	$1005	$171
USAA	$1011	$170
State Farm	$1254	$211
Travelers	$1321	$222
Allstate	$1430	$241

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Niagara Falls Instantly!

Average Car Insurance in Niagara Falls 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 Niagara Falls, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Niagara Falls, 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, Niagara Falls's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Niagara Falls

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$524
30s	National Grange Mutual	$373
40s	National Grange Mutual	$359
50s	National Grange Mutual	$365
60s	National Grange Mutual	$392
70s	National Grange Mutual	$538

Cheapest Car Insurance Rates for Teen Drivers in Niagara Falls,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Niagara Falls at $58 per month. At $4331 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$348	$58
American Family	$419	$71
NYCM	$701	$118
Progressive	$1110	$187
New York Central Mutual Fire	$1210	$202
USAA	$2221	$374
Nationwide	$2901	$484
Travelers	$3591	$605
Allstate	$3884	$654
State Farm	$4331	$729

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Niagara Falls.

As young drivers face the highest rates in Niagara Falls, National Grange Mutual offers the cheapest auto insurance rates at $524 for six months.

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 Niagara Falls, Chubb is the cheapest car insurance provider. At $746 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 Niagara Falls is Progressive, offering rates of around $4812 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$746	$125
Kemper	$779	$132
Nationwide	$1005	$167
USAA	$1392	$237
NYCM	$1453	$242
Erie	$1574	$268
American Family	$1851	$309
Allstate	$1894	$319
State Farm	$1961	$330
Mercury	$2304	$392
Travelers	$2353	$396
Progressive	$4812	$810

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Niagara Falls.

Car Insurance Rates with An Accident in Niagara Falls

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 Niagara Falls, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Niagara Falls

The cheapest car insurance companies after an at-fault accident in Niagara Falls include Kemper and American Family, offering $431 and $442, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $536.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$431	$72
American Family	$442	$74
NYCM	$536	$90
Erie	$586	$100
Chubb	$646	$108
Progressive	$707	$119
New York Central Mutual Fire	$817	$137
USAA	$878	$148
Nationwide	$1321	$220
Allstate	$1332	$224
State Farm	$1608	$271
Travelers	$1635	$275
Utica National	$530	$90
Preferred Mutual	$536	$89

Niagara Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Niagara Falls NY. For example, the car insurance in Niagara Falls after a DUI increases to $663 for a six month policy. While the rate increases by $105 for a six-month policy in the case of a speeding ticket.

Niagara Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1165	$194
One Med/PIP claim	$1165	$198
One comp claim	$1176	$196
Two comp claims	$1188	$202
Two Med/PIP claims	$1188	$198
Not-at-fault accident	$1193	$203
Failure to show documents	$1210	$202
Failure to wear a seat belt	$1216	$206
Driving with expired registration	$1227	$205
At-fault accident - less than $1000	$1232	$209
Cell phone violation	$1232	$206
Child safety restraint	$1232	$209
Driving without lights	$1232	$206
Failure to stop at a red light	$1232	$209
Failure to yield	$1232	$206
Following too closely	$1232	$209
Illegal turn	$1232	$206
Improper passing	$1232	$209
Passing school bus	$1232	$206
Texting while driving	$1232	$209
Wrong way/wrong lane	$1232	$206
Driving too slowly	$1243	$211
Speeding in school zone	$1243	$207
At-fault accident - $1000-$2000	$1248	$212
Speeding 11 - 15 MPH over limit	$1270	$212
Speeding 6 - 10 MPH over limit	$1270	$216
Operating a vehicle without permission	$1293	$216
Open container	$1309	$222
In 65 MPH zone	$1364	$228
Speeding 16 - 20 MPH over limit	$1381	$235
Speeding 21 - 25 MPH over limit	$1430	$238
At-fault accident - greater than $2000	$1541	$262
Reckless driving	$1646	$274
Racing	$1712	$291
Driving with a suspended license	$1774	$296
Refusal to submit to a chemical test	$1812	$308
DUI	$1828	$305
Leaving scene of an accident/hit and run	$1856	$315

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Niagara Falls 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 Niagara Falls.

The cheapest car insurance premiums in Niagara Falls are offered by American Family at $419 for a six-month policy. However, it can be as expensive as $1873 with companies like State Farm.

Niagara Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$419	$71
Kemper	$442	$75
Progressive	$536	$90
NYCM	$674	$113
New York Central Mutual Fire	$994	$166
USAA	$1060	$179
Allstate	$1574	$265
Travelers	$1618	$272
Nationwide	$1641	$273
State Farm	$1873	$315

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 Niagara Falls are offered by American Family at $370. However, it can be as expensive as $1900 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Niagara Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$370	$63
Kemper	$370	$61
Progressive	$458	$77
NYCM	$613	$102
USAA	$834	$142
Nationwide	$1149	$192
State Farm	$1243	$211
Travelers	$1817	$303
Allstate	$1900	$323

Car Insurance Price Trends in Niagara Falls, New York

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

The average cost of full coverage in the Niagara Falls dipped by $230 in December compared to $231 of November. In other words, there has been an decrease by $1 when you compare December and November.

The average cost of liability insurance in the Niagara Falls dipped to $79 in December, compared to $82 in November. This represents an decrease of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Niagara Falls 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 Niagara Falls. At $956 for a six-month policy, insuring your car at 14302 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
14302	$956	$160
14303	$1033	$173
14301	$1138	$191
14304	$1387	$233
14305	$1205	$202

Frequently Asked Questions

How much is car insurance in Niagara Falls?

The car insurance in Niagara Falls is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Niagara Falls?

The cheapest car insurance in Niagara Falls is $87 per month for full coverage.

How much is car insurance in Niagara Falls for teenagers?

Car insurance for teenagers costs $348 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 Niagara Falls?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $161 per month to insure your car in Niagara Falls.

Is car insurance expensive in Niagara Falls?

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

Cheapest Car Insurance Quotes in Niagara Falls

Why you can trust Way?

How Much Is Car Insurance in Niagara Falls

Avg. Car Insurance in Niagara Falls

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Niagara Falls

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Niagara Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Niagara Falls, NY

Way's key takeaways about car insurance in Niagara Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Niagara Falls

Cheapest Liability Coverage in Niagara Falls, NY

Cheapest Full Coverage Car Insurance in Niagara Falls

Cheapest Full Coverage Car Insurance Quotes in Niagara Falls, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Niagara Falls by Rating Factor

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

Car Insurance Premiums by Age in Niagara Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Niagara Falls,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Niagara Falls.

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 Niagara Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Niagara Falls

Niagara Falls Car Insurance Rates by Violation

Niagara Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Niagara Falls after a DUI

Niagara Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Niagara Falls after Speeding ticket

Car Insurance Price Trends in Niagara Falls, New York

Average Car Insurance Cost in Niagara Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Niagara Falls, NY

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

Featured Blogs

Data Sources