How much does auto insurance cost in Buffalo?
The average cost of car insurance in Buffalo, New York, is $1,699 each year. That's less expensive than the average across New York ($1,704) and pricier than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Buffalo.
CAR INSURANCE: BUFFALO RATES VS. STATE + NATIONAL AVERAGES
|Buffalo Average (annual)||New York Average||National Average|
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Buffalo car insurance rates by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Buffalo's most affordable premiums. See below the best companies for cheap auto insurance in Buffalo — but don't forget to get personalized car insurance quotes to match your driving profile.
BUFFALO CAR INSURANCE RATES BY COMPANY
|Insurer||Average Rate (annual)|
Auto insurance premiums by age in Buffalo
The age bracket that pays the least for auto insurance in Buffalo consists of drivers in their 50s, who pay an average of $1,600. Rates for Buffalo drivers in their 60s are also relatively affordable, at just $1,647 per year.
The Buffalo drivers who face the priciest insurance rates are teenagers. When Buffalo drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Buffalo is $3,168, the largest such difference between any two age brackets.
CAR INSURANCE RATES BY AGE TIER IN BUFFALO
|Age group||Average Yearly Rate|
Buffalo auto insurance premiums by gender and marital status
Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Buffalo pay $48 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Buffalo, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is yet another factor that can affect auto insurance premiums. In Buffalo, female drivers pay $65 per year more than do male drivers for car insurance.
INSURANCE RATES IN BUFFALO BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Buffalo auto insurance costs by violation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Buffalo, a reckless driving citation results in an average insurance rate increase of $851 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $988 increase and a speeding ticket triggers a $379 rate hike.
AVERAGE BUFFALO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$1,749|
|At-fault Accident (damages > $2,000)||$2,305|
|Speeding Ticket (16-20 mph over speed limit)||$2,078|
Buffalo car insurance rates by credit score
A driver's credit level can be closely correlated with their auto insurance rates. In fact, Buffalo drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 66% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Buffalo, improving your credit to "Fair" could help you earn $2,140 in savings on insurance premiums each year.
BUFFALO CAR INSURANCE PREMIUMS BY CREDIT TIER
|Credit Score||Average Annual Rate|
What drives up car insurance rates in Buffalo?
Where you live in Buffalo affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Buffalo is no exception to the rule. From ZIP code 14224 to 14211, premiums rise by 22 percent—that’s $306.
Expensive Buffalo ZIP codes: 14208, 14215, 14203, 14204, 14211
Cheap Buffalo ZIP codes: 14224, 14226, 14217, 14218, 14225
Buffalo Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Buffalo, you can expect 167 rainy days with an annual rainfall of 40.5 inches. Buffalo is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Buffalo
Find Local Buffalo Agents
First Niagara Risk Management, Inc.
726 Exchange Street Suite 900, Buffalo, NY 14210
Action Auto Agency
2817 Genesee St, Buffalo, NY 14225
SEFCU Insurance Agency
598 Main St Ste 1, Buffalo, NY 14202
John J. Grimaldi & Associates, Inc.
137 Summer St, Buffalo, NY 14222
ABH Insurance Solutions Agency Inc AKA The Byrne Insurance Agency Inc
480 Abbott Rd, Buffalo, NY 14220
361 Delaware Avenue, Buffalo, NY 14202
M&T Insurance Agency, Inc
285 Delaware Ave Ste 4000, Buffalo, NY 14202
The Decker Agency, Inc.
37 Elmwood Avenue, Buffalo, NY 14201
First Niagara Risk Management, Inc.
239 Van Rensselaer St, Buffalo, NY 14210
M & T Corporate Insurance & Risk
701 Seneca St, Buffalo, NY 14210
560 Delaware Ave Rm 200, Buffalo, NY 14202
John Obstarczyk Agency
16 Lake Ave, Buffalo, NY 14219
E. T. Clauss & Co., Inc.
735 Delaware Ave, Buffalo, NY 14209
Frank R. Pelosi Jr. Agency
165 Cleveland Ave, Buffalo, NY 14222
Eastern General Insurance Services Inc
1578 Broadway St Ste 1, Buffalo, NY 14212
Able Insurance Agency
1798 Main St, Buffalo, NY 14208
Walsh Duffield Companies, Inc.
801 MAIN STREET, BUFFALO, NY 14203
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