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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.

Buffalo Average (annual) New York Average National Average
$1,699 $1,704 $1,548

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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.

Insurer Average Rate (annual)
GEICO $1,414
Progressive $1,583
NYCM Insurance $1,681
Allstate $1,966
State Farm $2,542

Read our guide to finding the best cheap auto insurance.

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.

Age group Average Yearly Rate
Teenagers $5,422
20s $2,253
30s $1,688
40s $1,661
50s $1,600
60s $1,647
70s $1,901

Learn more about how age influences auto insurance rates.

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.

Marital Status/Gender Average Yearly Rate
Female $1,764
Male $1,699
Single $1,651
Married $1,651
Divorced $1,695
Widowed $1,695

Learn more about how gender and marital status have on auto insurance rates.

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.

Incident/Violation Average Annual Rate
DWI/DUI $2,688
Reckless Driving $2,550
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

Learn more about citations' impact on your auto insurance rates.

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.

Credit Score Average Annual Rate
Very Poor $4,226
Fair $2,086
Good $1,699
Very Good $1,563
Exceptional $1,437

Get additional information on how credit impacts car insurance costs.

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

Be Prepared For

Driving in Buffalo

Major Highways
I-90 I-190 I-290
Public Transit
Metro Bus Metro Rail

Find Local Buffalo Agents

Northwoods Corp.

560 Delaware Ave Rm 200, Buffalo, NY 14202

Action Auto Agency

2817 Genesee St, Buffalo, NY 14225

Eastern General Insurance Services Inc

1578 Broadway St Ste 1, Buffalo, NY 14212

First Niagara Risk Management, Inc.

726 Exchange Street Suite 900, Buffalo, NY 14210

Able Insurance Agency

1798 Main St, Buffalo, NY 14208

Lawley Service

361 Delaware Avenue, Buffalo, NY 14202

Frank R. Pelosi Jr. Agency

165 Cleveland Ave, Buffalo, NY 14222

E. T. Clauss & Co., Inc.

735 Delaware Ave, Buffalo, NY 14209

Walsh Duffield Companies, Inc.


M&T Insurance Agency, Inc

285 Delaware Ave Ste 4000, Buffalo, NY 14202

SEFCU Insurance Agency

598 Main St Ste 1, Buffalo, NY 14202

John J. Grimaldi & Associates, Inc.

137 Summer St, Buffalo, NY 14222

John Obstarczyk Agency

16 Lake Ave, Buffalo, NY 14219

M & T Corporate Insurance & Risk

701 Seneca St, Buffalo, NY 14210

The Decker Agency, Inc.

37 Elmwood Avenue, Buffalo, NY 14201

First Niagara Risk Management, Inc.

239 Van Rensselaer St, Buffalo, NY 14210

ABH Insurance Solutions Agency Inc AKA The Byrne Insurance Agency Inc

480 Abbott Rd, Buffalo, NY 14220


The average Buffalonian's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 252 cups of coffee or $631 in savings

See How Much You Can Save in Buffalo

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Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.