How Much Are Car Insurance Rates in Buffalo?
New York State premiums are 11% higher than the national average, which is why the state is known for its expensive rates. Premiums run even higher in the city, so in Buffalo, it is imperative to cut costs while insuring a vehicle. Let's compare car insurance costs in Buffalo versus premiums across the nation.
INSURANCE COSTS: BUFFALO VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Buffalo Auto Insurance Rates by Driver Age
When drivers hit their 20s in Buffalo, therefore moving out of the teenage age range, they pay $3,439 less in premiums. It is the largest gap between any age group. The first time drivers can expect their age to trigger a rise in premiums is when they turn 60. Teenage drivers have the highest rates of any age group. They have typical car insurance payments of $5,713. Among all age groups, drivers in their 50s have the lowest car insurance rates, with rates of $1,580/year. People in their 60s ($1,624) and 40s ($1,627) also have relatively low premiums.
BUFFALO AUTO INSURANCE COSTS BY AGE
Buffalo Auto Insurance by Violation or Accident History
Do you have a history of accidents or violations? That may cost you in terms of car insurance premiums. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Buffalo need to spend $920 more than the city average to insure their vehicle. Reckless driving will bump your rates up as well, with average rates of $2,984. That is 76% higher than the city average! Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another $513 per year in premiums.
AVERAGE BUFFALO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$1,761|
|At-fault Accident (damages greater than $2,000)||$2,274|
|Speeding Ticket (16-20 mph over speed limit)||$1,941|
Buffalo Car Insurance by Gender and Marital Status
Both marital status and gender have an effect on your car insurance premiums in Buffalo. Premiums are more costly for women than for men. Women usually pay $30 more than men each year for insurance. Being single, as opposed to married, can cost you $45 more per year on car insurance. Rates between those who are widowed and those who are divorced do not vary. Both groups pay marginally less than singles.
BUFFALO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Buffalo Car Insurance by Credit Rating
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of 56% each year on premiums. Drivers can save nearly $718 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).
BUFFALO AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Score||Average Car Insurance 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 & 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Buffalo Agents
First Niagara Risk Management, Inc.
726 Exchange Street Buffalo, NY 14210
560 Delaware Ave Rm 200 Buffalo, NY 14202
John J. Grimaldi & Associates, Inc.
137 Summer St Buffalo, NY 14222
First Niagara Risk Management, Inc.
239 Van Rensselaer St Buffalo, NY 14210
Able Insurance Agency
1798 Main St Buffalo, NY 14208
361 Delaware Avenue Buffalo, NY 14202
Eastern General Insurance Services Inc
1578 Broadway St Ste 1 Buffalo, NY 14212
John Obstarczyk Agency
16 Lake Ave Buffalo, NY 14219
M & T Corporate Insurance & Risk
701 Seneca St Buffalo, NY 14210
E. T. Clauss & Co., Inc.
735 Delaware Ave Buffalo, NY 14209
ABH Insurance Solutions Agency Inc AKA The Byrne Insurance Agency Inc
480 Abbott Rd Buffalo, NY 14220
Frank R. Pelosi Jr. Agency
165 Cleveland Ave Buffalo, NY 14222
M&T Insurance Agency, Inc
285 Delaware Ave Ste 4000 Buffalo, NY 14202
SEFCU Insurance Agency
598 Main St Ste 1 Buffalo, NY 14202
Action Auto Agency
2817 Genesee St Buffalo, NY 14225
Walsh Duffield Companies, Inc.
801 MAIN STREET BUFFALO, NY 14203
The Decker Agency, Inc.
37 Elmwood Avenue Buffalo, NY 14201
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Buffalo Car Insurance
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