The average cost for full coverage car insurance in Buffalo, NY is $1,328. That's significantly lower than the state's average, which comes in at $2,172.
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The best way to find the most affordable coverage is to compare policy options from a number of insurance companies. The experts at Policygenius can help you find quotes from the top providers and choose the coverage that's right for you.
Progessive offers the lowest average rates in the Buffalo, NY area
The Buffalo ZIP code of 14203 has the lowest average rate in the city
New York state's minimum liability coverage requirements are $25,000 per person and $50,000 per accident in bodily injury liability and $10,000 in property damage liability
New York also requires drivers to have uninsured/underinsured motorist coverage
Car insurance rates are calculated based on a number of different factors, like age, make and model of vehicle, and ZIP code. With so much variation, it's important to get quotes from a number of different companies before selecting a provider.
Different areas of a city pose different potential risks. Some neighborhoods are more densely populated, which means more people are on the road, which translates into higher insurance rates.
The same is true for areas that have higher crime rates and higher numbers of car accidents or traffic tickets. Insurance companies see these higher averages and determine individuals in those areas are more likely to file insurance claims. The table below shows average rates based on different ZIP codes in the Buffalo, NY area.
The trick to shopping for car insurance is finding the right coverage at a price that’s still in your budget. But there are factors to consider besides price when shopping for car insurance. Consider coverage options, as well as customer service ratings and whether the company offers online or paperless payment options.
If you're ready to start shopping, then the experts at Policygenius can help you see quotes from top providers and choose the coverage that's right for you.
If you have driving violations of any kind on your record they could negatively affect your coverage and pricing options when you shop for car insurance.
Accidents and other driving incidents accumulate on your Motor Vehicle Report (MVR). Insurance companies analyze your MVR while calculating insurance rates. In most cases, insurance companies look at the past three-to-five years of your driving history.
New York, like most states, can and does use credit score as a determining factor for car insurance rates. Drivers can expect to see lower scores negatively impact their insurance rates, but some companies offer cheaper rates for drivers with bad credit than others.
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Minimum insurance requirements are determined at the state level. This means the city of Buffalo requires the same minimum coverages as the state as a whole. To drive in Buffalo, NY a driver is required to have:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
These requirements are similar to most state requirements, but New York requires two additional types of coverage:
Uninsured Motorist Coverage ($25,000 per person/$50,000 per accident)
Personal Injury Protection ($50,000 per person)
Uninsured motorist coverage covers the costs if you’re in an accident with a driver who doesn’t have car insurance, or who doesn’t have enough car insurance to cover the cost of the accident.
Personal injury protection (PIP) covers medical costs for you, as the driver, or passengers when you’re in an accident, regardless of fault. This coverage is required by the state because New York is a no-fault state.
In a no-fault state, the individuals involved in an accident seek compensation for their injuries from their own car insurance companies, regardless of fault. That’s why drivers are required to have PIP.
Insurance in Buffalo can be expensive, even though rates are lower than in other parts of New York. Fortunately, there are a number of ways you can lower your personal car insurance rates.
Practice safe driving habits: Driving safely lowers your risk for tickets, accidents, or violations. Keeping a clean driving record will help lower your rates.
Check for discounts: Insurance companies offer many discounts that can help lower your overall rates, including for safe driving or getting good grades
Improve your credit score: Try improving your credit score with on-time payments and low credit usage
Increase your deductible: A higher deductible can dramatically decrease your car insurance rates, but you may actually have to pay if you file a claim
Insurance rates are determined by local factors like crime rates, traffic flow, and population density. New York is a densely populated state in many areas, with heavy traffic and those both directly impact insurance rates.
Most states allow companies to use credit score as one of many factors to determine rates and coverage. While companies can use credit score in the calculation for coverage insurance, a driver cannot be denied coverage based solely on their credit score.
Progressive offers the cheapest rate in Buffalo, NY. Specific rates are determined based on personal information, however, so the carrier that’s cheapest for you might be different from the carrier that’s cheapest for your neighbor.
Insurance companies determine rates based on a number of different factors. Many of these factors are based on the area of a city or state where you live, like crime rates, availability of parking, and repair costs.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.