Cheapest Car Insurance Quotes in Buffalo

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Buffalo Car Insurance

^$ 21

/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 $989 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $459, 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

$989

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Buffalo

1st place: Kemper

At $459 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $528 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $605 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, SD is Kemper, offering policies at just $459 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $528.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1314 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, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$459	$76
Farmers Mutual of Nebraska	$528	$89
Auto-Owners Insurance Co	$605	$101
American Family	$806	$136
State Farm	$980	$165
Allstate	$1140	$192
USAA	$1147	$193
Auto-Owners	$1168	$199
Farmers	$1217	$205
Progressive	$1230	$207
Nationwide	$1279	$215
North Star Mutual	$1314	$223

Key Takeaways

Way's key takeaways about car insurance in Buffalo

The auto insurance costs in Buffalo fall around $459 for six months.
The cheapest auto insurance company in Buffalo is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Buffalo at $36 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.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Buffalo. Their Average 6 Month Premium is $125. North Star Mutual Insurance is the most expensive at $201 for the same period.

Cheapest Liability Coverage in Buffalo, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$125	$21
Kemper	$160	$27
USAA	$160	$27
American Family	$167	$28
Auto-Owners	$180	$30
North Star Mutual	$180	$30
Auto-Owners Insurance Co	$187	$32
Progressive	$187	$32
State Farm	$187	$32
Farmers	$312	$53
Nationwide	$383	$64
Allstate	$410	$70
North Star Mutual Insurance	$201	$34

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 $76 per month and $459 for six months.

Cheapest Full Coverage Car Insurance Quotes in Buffalo, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$459	$76
Farmers Mutual of Nebraska	$528	$89
Auto-Owners Insurance Co	$605	$101
American Family	$806	$136
State Farm	$980	$165
Allstate	$1140	$192
USAA	$1147	$193
Auto-Owners	$1168	$199
Farmers	$1217	$205
Progressive	$1230	$207
Nationwide	$1279	$215
North Star Mutual	$1314	$223

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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, SD increasing?

Despite maintaining a clean driving record, your car insurance rates in Buffalo, South Dakota, may be increasing due to several external factors. South Dakota 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,SD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Buffalo at $39 per month. At $215 for a six-month premium, North Star Mutual Insurance offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$229	$39
Auto-Owners Insurance Co	$243	$41
Farmers Mutual of Nebraska	$723	$122
State Farm	$1390	$234
USAA	$1473	$248
American Family	$1898	$319
Farmers	$2092	$352
Progressive	$2182	$367
North Star Mutual	$2780	$473
Auto-Owners	$2898	$483
Nationwide	$3801	$640
Allstate	$5969	$994
North Star Mutual Insurance	$215	$36

Teen Car Insurance Rates in SD 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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $118 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 State Farm, offering rates of around $3857 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$118	$20
Western National	$208	$35
Iowa Farm Bureau	$278	$47
Kemper	$319	$54
American Family	$1112	$187
Progressive	$1182	$199
USAA	$1766	$294
North Star Mutual	$2175	$370
Farmers	$2182	$364
Nationwide	$2293	$390
State Farm	$3857	$642

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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, SD, 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 Western National and Kemper, offering $222 and $250, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $362.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$222	$37
Kemper	$250	$42
Auto-Owners Insurance Co	$257	$43
Farmers Mutual of Nebraska	$522	$88
State Farm	$535	$90
USAA	$799	$135
Progressive	$841	$142
Auto-Owners	$862	$145
Farmers	$1049	$177
American Family	$1140	$192
Allstate	$1668	$278
Nationwide	$2189	$369
North Star Mutual	$2259	$377
North Star Mutual Insurance	$362	$62

Buffalo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Buffalo SD. For example, the car insurance in Buffalo after a DUI increases to $1014 for a six month policy. While the rate increases by $194 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	$1161	$193
One Med/PIP claim	$1161	$198
Not-at-fault accident	$1189	$198
Two Med/PIP claims	$1230	$209
One comp claim	$1237	$206
Failure to show documents	$1279	$218
Two comp claims	$1279	$213
Failure to wear a seat belt	$1314	$223
Child safety restraint	$1334	$222
Driving without lights	$1334	$227
Driving with expired registration	$1341	$223
Wrong way/wrong lane	$1341	$228
Cell phone violation	$1348	$225
Driving too slowly	$1348	$229
Texting while driving	$1348	$225
Failure to stop at a red light	$1355	$230
Failure to yield	$1355	$226
Following too closely	$1355	$230
Illegal turn	$1355	$226
Speeding 6 - 10 MPH over limit	$1355	$230
Improper passing	$1369	$228
Speeding 11 - 15 MPH over limit	$1376	$234
Speeding 16 - 20 MPH over limit	$1383	$230
Operating a vehicle without permission	$1418	$241
At-fault accident - less than $1000	$1432	$239
In 65 MPH zone	$1432	$243
Speeding in school zone	$1439	$240
Speeding 21 - 25 MPH over limit	$1473	$250
Passing school bus	$1536	$256
Open container	$1591	$270
At-fault accident - $1000-$2000	$1612	$269
At-fault accident - greater than $2000	$1612	$274
Driving with a suspended license	$1946	$324
Reckless driving	$1967	$335
Refusal to submit to a chemical test	$2078	$346
Racing	$2147	$365
DUI	$2175	$363
Leaving scene of an accident/hit and run	$2224	$378

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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 Western National at $208 for a six-month policy. However, it can be as expensive as $3773 with companies like North Star Mutual.

Buffalo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$208	$35
Farmers Mutual of Nebraska	$744	$125
State Farm	$771	$130
Progressive	$792	$133
Farmers	$1147	$193
American Family	$1251	$211
USAA	$1543	$260
Allstate	$1856	$309
Auto-Owners	$1884	$321
Nationwide	$2877	$484
North Star Mutual	$3773	$641

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 Farmers Mutual of Nebraska at $125. However, it can be as expensive as $2057 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Buffalo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$125	$21
Kemper	$194	$33
Western National	$208	$35
Auto-Owners Insurance Co	$215	$36
State Farm	$362	$61
USAA	$542	$92
Progressive	$598	$101
North Star Mutual	$660	$112
American Family	$764	$129
Nationwide	$1751	$298
Farmers	$2057	$343

Car Insurance Price Trends in Buffalo, South Dakota

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 remained steady at $193 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Buffalo remained steady at $35 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Buffalo?

The car insurance in Buffalo is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Buffalo?

The cheapest car insurance in Buffalo is $76 per month for full coverage.

How much is car insurance in Buffalo for teenagers?

Car insurance for teenagers costs $229 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 $845 for a six-month policy. It will cost around $166 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.

What is the best car insurance in Buffalo, SD?

The best car insurance company in Buffalo SD is Kemper, offering $459 for a six-month policy.