Cheapest Car Insurance Quotes in University at Buffalo

Finding the cheapest car insurance quotes in University at Buffalo 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

University at Buffalo 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 University at Buffalo

The car insurance rate in University at Buffalo is $967 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, making it a popular choice for budget-conscious drivers. Rates in University at 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 University at Buffalo

$967

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in University at Buffalo

1st place: Kemper

At $519 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 $687 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $693 for six months, making it the third cheapest auto insurance company in University at Buffalo.

University at Buffalo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in University at Buffalo, NY is Kemper, offering policies at just $519 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $687.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1446 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help University at Buffalo drivers find the best deals.

Cheap Car Insurance Companies in University at Buffalo, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$519	$88
New York Central Mutual Fire	$687	$115
Progressive	$693	$117
American Family	$804	$135
NYCM	$843	$142
Erie	$1010	$168
Nationwide	$1016	$173
USAA	$1022	$172
State Farm	$1267	$213
Travelers	$1335	$225
Allstate	$1446	$243

Key Takeaways

Way's key takeaways about car insurance in University at Buffalo

The auto insurance costs in University at Buffalo fall around $519 for six months.
The cheapest auto insurance company in University at Buffalo is New York Central Mutual Fire.
Teen drivers pay the highest rate in University at Buffalo at $737 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 University at 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 University at Buffalo are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in University at Buffalo. Their Average 6 Month Premium is $245. Preferred Mutual is the most expensive at $648 for the same period.

Cheapest Liability Coverage in University at Buffalo, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$245	$41
NYCM	$257	$43
Kemper	$302	$50
Progressive	$357	$60
American Family	$363	$61
USAA	$441	$74
Nationwide	$469	$78
Erie	$592	$101
State Farm	$687	$116
Travelers	$737	$124
Allstate	$771	$130
Utica National	$536	$91
Preferred Mutual	$648	$108

Cheapest Full Coverage Car Insurance in University at 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 University at Buffalo is Kemper at $88 per month and $519 for six months.

Cheapest Full Coverage Car Insurance Quotes in University at Buffalo, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$519	$88
New York Central Mutual Fire	$687	$115
Progressive	$693	$117
American Family	$804	$135
NYCM	$843	$142
Erie	$1010	$168
Nationwide	$1016	$173
USAA	$1022	$172
State Farm	$1267	$213
Travelers	$1335	$225
Allstate	$1446	$243

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in University at Buffalo Instantly!

Average Car Insurance in University at 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 University at Buffalo, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in University at 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, University at 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 University at 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$529
30s	National Grange Mutual	$377
40s	National Grange Mutual	$363
50s	National Grange Mutual	$368
60s	National Grange Mutual	$397
70s	National Grange Mutual	$544

Cheapest Car Insurance Rates for Teen Drivers in University at Buffalo,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the University at Buffalo at $58 per month. At $4378 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$352	$58
American Family	$424	$71
NYCM	$709	$119
Progressive	$1122	$189
New York Central Mutual Fire	$1223	$204
USAA	$2245	$378
Nationwide	$2932	$489
Travelers	$3629	$611
Allstate	$3925	$661
State Farm	$4378	$737

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 University at Buffalo.

As young drivers face the highest rates in University at Buffalo, National Grange Mutual offers the cheapest auto insurance rates at $529 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 University at Buffalo, Chubb is the cheapest car insurance provider. At $754 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 University at Buffalo is Progressive, offering rates of around $4864 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$754	$126
Kemper	$788	$133
Nationwide	$1016	$169
USAA	$1407	$240
NYCM	$1468	$244
Erie	$1591	$271
American Family	$1871	$312
Allstate	$1915	$322
State Farm	$1982	$334
Mercury	$2328	$396
Travelers	$2378	$400
Progressive	$4864	$819

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in University at Buffalo.

Car Insurance Rates with An Accident in University at 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 University at Buffalo, NY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in University at Buffalo include Kemper and American Family, offering $435 and $447, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $541.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$435	$72
American Family	$447	$75
NYCM	$541	$91
Erie	$592	$101
Chubb	$653	$109
Progressive	$714	$120
New York Central Mutual Fire	$826	$138
USAA	$887	$149
Nationwide	$1335	$223
Allstate	$1346	$227
State Farm	$1625	$274
Travelers	$1653	$278
Utica National	$536	$91
Preferred Mutual	$541	$90

University at Buffalo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in University at Buffalo NY. For example, the car insurance in University at Buffalo after a DUI increases to $670 for a six month policy. While the rate increases by $106 for a six-month policy in the case of a speeding ticket.

University at Buffalo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1178	$196
One Med/PIP claim	$1178	$200
One comp claim	$1189	$198
Two comp claims	$1200	$204
Two Med/PIP claims	$1200	$200
Not-at-fault accident	$1206	$205
Failure to show documents	$1223	$204
Failure to wear a seat belt	$1229	$209
Driving with expired registration	$1240	$207
At-fault accident - less than $1000	$1246	$212
Cell phone violation	$1246	$208
Child safety restraint	$1246	$212
Driving without lights	$1246	$208
Failure to stop at a red light	$1246	$212
Failure to yield	$1246	$208
Following too closely	$1246	$212
Illegal turn	$1246	$208
Improper passing	$1246	$212
Passing school bus	$1246	$208
Texting while driving	$1246	$212
Wrong way/wrong lane	$1246	$208
Driving too slowly	$1257	$213
Speeding in school zone	$1257	$210
At-fault accident - $1000-$2000	$1261	$214
Speeding 11 - 15 MPH over limit	$1284	$214
Speeding 6 - 10 MPH over limit	$1284	$218
Operating a vehicle without permission	$1307	$218
Open container	$1324	$225
In 65 MPH zone	$1379	$230
Speeding 16 - 20 MPH over limit	$1396	$238
Speeding 21 - 25 MPH over limit	$1446	$241
At-fault accident - greater than $2000	$1558	$265
Reckless driving	$1664	$277
Racing	$1731	$294
Driving with a suspended license	$1793	$299
Refusal to submit to a chemical test	$1831	$311
DUI	$1848	$308
Leaving scene of an accident/hit and run	$1876	$319

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 University at 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 University at Buffalo.

The cheapest car insurance premiums in University at Buffalo are offered by American Family at $424 for a six-month policy. However, it can be as expensive as $1893 with companies like State Farm.

University at Buffalo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$424	$71
Kemper	$447	$76
Progressive	$541	$91
NYCM	$682	$115
New York Central Mutual Fire	$1005	$167
USAA	$1072	$180
Allstate	$1591	$268
Travelers	$1636	$275
Nationwide	$1658	$276
State Farm	$1893	$319

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 University at Buffalo are offered by American Family at $374. However, it can be as expensive as $1920 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in University at Buffalo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$374	$64
Kemper	$374	$62
Progressive	$463	$78
NYCM	$619	$103
USAA	$843	$144
Nationwide	$1162	$194
State Farm	$1257	$213
Travelers	$1837	$306
Allstate	$1920	$326

Car Insurance Price Trends in University at Buffalo, New York

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

The average cost of full coverage in the University at Buffalo dipped by $232 in December compared to $233 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 University at Buffalo dipped to $80 in December, compared to $83 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

Frequently Asked Questions

How much is car insurance in University at Buffalo?

The car insurance in University at Buffalo is $41 per month, which is lower than the national average.

What is the cheapest car insurance in University at Buffalo?

The cheapest car insurance in University at Buffalo is $88 per month for full coverage.

How much is car insurance in University at Buffalo for teenagers?

Car insurance for teenagers costs $352 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 University at Buffalo?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $163 per month to insure your car in University at Buffalo.

Is car insurance expensive in University at Buffalo?

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

Cheapest Car Insurance Quotes in University at Buffalo

Why you can trust Way?

How Much Is Car Insurance in University at Buffalo

Avg. Car Insurance in University at Buffalo

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in University at Buffalo

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

University at Buffalo Car Insurance Rates by Company

Cheap Car Insurance Companies in University at Buffalo, NY

Way's key takeaways about car insurance in University at Buffalo

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in University at Buffalo

Cheapest Liability Coverage in University at Buffalo, NY

Cheapest Full Coverage Car Insurance in University at Buffalo

Cheapest Full Coverage Car Insurance Quotes in University at Buffalo, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in University at Buffalo by Rating Factor

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

Car Insurance Premiums by Age in University at Buffalo

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in University at Buffalo,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in University at 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 University at Buffalo

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

University at Buffalo Car Insurance Rates by Violation

University at Buffalo auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in University at Buffalo after a DUI

University at Buffalo car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in University at Buffalo after Speeding ticket

Car Insurance Price Trends in University at Buffalo, New York

Average Car Insurance Cost in University at Buffalo by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near University at Buffalo, NY

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

Featured Blogs

Data Sources