How Much Does Car Insurance Cost in Buffalo?


Premiums in Buffalo, which are $257 higher than the state average, are recognized for being pricey. Therefore saving while insuring a vehicle in Buffalo is imperative. Let's compare car insurance costs in Buffalo versus premiums across the nation.


AUTO INSURANCE PREMIUMS: BUFFALO VS. STATE/US AVERAGES
City AverageState AverageNational Average
$1,794$1,537$1,569


Buffalo Auto Insurance for High-Risk Drivers


Do you know how much an accident or violation on your driving record can cost you in terms of prices on car insurance? Do you want to increase your insurance rates by $267? If not, watch your speed because getting pulled over for speeding by 16-20mph in Buffalo will spark that uplift. The amount of damage caused by an accident plays a role in the degree to which insurance rates will rise. When comparing rates for drivers with at-fault accidents in Buffalo, those with damages exceeding $2,000 pay $566 more than those with damages less than $1,000.


AVERAGE BUFFALO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$3,223
Reckless Driving$2,815
At-fault Accident (damages less than $1,000)$1,866
At-fault Accident (damages greater than $2,000)$2,432
Speeding Ticket (16-20 mph over speed limit)$2,061


Buffalo Auto Insurance by Credit Level


Improving your credit can save you a good amount of money. Those in the bottom credit tier (300-579) pay an average of 2.5x more for car insurance than those in the top credit tier (800-850). In terms of percent change, the most notable benefit of better credit occurs when upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save nearly 43% per year.


BUFFALO AUTO INSURANCE RATES BY CREDIT TIER
CreditAverage Car Insurance Rate
Very Poor$3,844
Fair$2,196
Good$1,794
Very Good$1,664
Exceptional$1,552


Buffalo Auto Insurance by Age

Among all age groups, drivers in their 70s have the lowest insurance rates, with rates of $1,678. Those in their 50s ($1,678) and 40s ($1,725) also have relatively low premiums. In Buffalo, drivers see the greatest drop in premiums when they reach their 20s, as they save an average of $4,430 from moving out of the teenage age bracket. In Buffalo, turning 60 means a rise in car insurance premiums. Up until then, progressing from one age group to the next means decreasing prices. Teenage drivers have the most expensive rates out of all the age groups, with car insurance payments of $6,108 on average.


BUFFALO CAR INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$6,108
20s$2,416
30s$1,783
40s$1,725
50s$1,678
60s$1,726
70s$1,678


Buffalo Car Insurance by Marital Status and Gender


Car insurance premiums in Buffalo are impacted by gender as well as marital status. Females have premiums that are approximately 2% more expensive than those for males. Single individuals spend 3% more per year on car insurance compared to those who are married. For those who are divorced or widowed, rates are marginally cheaper than rates for those who are single.


BUFFALO AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,828
Male$1,794
Single$1,794
Married$1,750
Divorced$1,773
Widowed$1,773


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

167

Rainy Days a Year

41"

Avg. Annual Rainfall

95"

Avg. Annual Snowfall

Be Prepared For

Driving in Buffalo

2
Major Highways
I-90 I-190 I-290
2
Public Transit
Metro Bus Metro Rail

Find Local Buffalo Agents

ABH Insurance Solutions Agency Inc AKA The Byrne Insurance Agency Inc

480 Abbott Rd, Buffalo, NY 14220

John Obstarczyk Agency

16 Lake Ave, Buffalo, NY 14219

Frank R. Pelosi Jr. Agency

165 Cleveland Ave, Buffalo, NY 14222

Eastern General Insurance Services Inc

1578 Broadway St Ste 1, Buffalo, NY 14212

Action Auto Agency

2817 Genesee St, Buffalo, NY 14225

John J. Grimaldi & Associates, Inc.

137 Summer St, Buffalo, NY 14222

SEFCU Insurance Agency

598 Main St Ste 1, Buffalo, NY 14202

The Decker Agency, Inc.

37 Elmwood Avenue, Buffalo, NY 14201

First Niagara Risk Management, Inc.

726 Exchange Street Suite 900, Buffalo, NY 14210

Northwoods Corp.

560 Delaware Ave Rm 200, Buffalo, NY 14202

M&T Insurance Agency, Inc

285 Delaware Ave Ste 4000, Buffalo, NY 14202

First Niagara Risk Management, Inc.

239 Van Rensselaer St, Buffalo, NY 14210

Walsh Duffield Companies, Inc.

801 MAIN STREET, BUFFALO, NY 14203

Able Insurance Agency

1798 Main St, Buffalo, NY 14208

M & T Corporate Insurance & Risk

701 Seneca St, Buffalo, NY 14210

Lawley Service

361 Delaware Avenue, Buffalo, NY 14202

E. T. Clauss & Co., Inc.

735 Delaware Ave, Buffalo, NY 14209

Not sure about Buffalo

Check out these other New York cities...

New York

2

$1,578

The average Buffalonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

252

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

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Recent Questions:

Buffalo Car Insurance

Do any US auto insurance companies offer auto insurance coverage in Canada?

Many insurance policies may cover you in Canada — if it is for short term trips. I would check with your current carrier, but it is likely you'll need to select a Canadian insurance provider if you'll be living there for two years.

If a mechanic started my car on fire and caused damage, should I alert my insurance company?

I'm sorry to hear about your accident. There are a couple of things to think about here.

What caused my premium to increase?

Having a lapse in coverage and an accident will likely cause a high increase in your premium. Once you've had insurance again for six months, without a lapse, your rates will start to get better.

Do I have to tell my car insurance company about my lien?

Insurance companies do not know who the lien holder would be without it being provided. A lot of agents will ask for it when they write the policy if they know.