Car Insurance in Buffalo
Premiums in Buffalo are $110 greater than the state average, which is why the city is known for its costly premiums, so it is critical to save while insuring a vehicle in Buffalo. Keep some money in your pocket by following the tips below about how to save on car insurance in Buffalo.
- City Average: $1,692
- State Average: $1,582
- National Average: $1,427
Buffalo Car Insurance by Gender and Marital Status
In Buffalo, numerous driver characteristics, including marital status and gender, play a part in car insurance premiums. You spend close to 3% more per year if you're single as opposed to married. For those who are widowed or divorced, rates are slightly cheaper than rates for those who are single. Females have premiums that are roughly 2% more pricey than those for males.
- Female: $1,722
- Male: $1,692
- Single: $1,692
- Married: $1,647
- Divorced: $1,672
- Widowed: $1,672
Buffalo Car Insurance by Credit Rating
Average car insurance premiums in Buffalo for individuals with Very Poor credit (300-579) are 2.3x higher than for those with Exceptional credit (800-850). Drivers will see the biggest percent drop in premiums when they improve their credit from Very Poor (300-579) to Fair (580-669). That change can save them 21% per year.
- Very Poor: $3,437
- Fair: $2,719
- Good: $2,177
- Very Good: $1,777
- Exceptional: $1,515
Buffalo Car Insurance by Accident or Violation History
Do you have a history of accidents or violations? That can influence your car insurance premiums. The value of the damage caused by an accident plays a part in the degree to which insurance rates will increase. When comparing rates for drivers with at-fault accidents in Buffalo, those with damages exceeding $2,000 pay 29% more than those with damages less than $1,000. Do you want to increase your insurance premiums by $249? If not, watch your speed because a ticket for driving 16-20mph over the speed limit in Buffalo will cause that uplift.
- DUI: $2,612
- Reckless Driving: $2,984
- At-fault Accident (damages less than $1000): $1,761
- At-fault Accident (damages greater than $2000): $2,274
- Speeding Ticket (16-20 mph over speed limit): $1,941
Buffalo Car Insurance by Age
Car insurance premiums are highest for teenage drivers, with rates that average $5,713 per year. Drivers in their 50s save money on car insurance payments, as they have the lowest rates among all age groups, paying only $1,580 a year. However, people in their 60s and 40s have premiums that aren't much higher, with premiums of $1,624 and $1,627, respectively. The greatest fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Buffalo start seeing a reduction in premiums of 60%. The first time drivers can anticipate their age to trigger an increase in rates is when they turn 60.
- Teenagers: $5,713
- 20s: $2,274
- 30s: $1,682
- 40s: $1,627
- 50s: $1,580
- 60s: $1,624
- 70s: $1,805
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
Able Insurance Agency
1798 Main St Buffalo, NY 14208
Walsh Duffield Companies, Inc.
801 MAIN STREET BUFFALO, NY 14203
E. T. Clauss & Co., Inc.
735 Delaware Ave Buffalo, NY 14209
SEFCU Insurance Agency
598 Main St Ste 1 Buffalo, NY 14202
John Obstarczyk Agency
16 Lake Ave Buffalo, NY 14219
ABH Insurance Solutions Agency Inc AKA The Byrne Insurance Agency Inc
480 Abbott Rd Buffalo, NY 14220
361 Delaware Avenue Buffalo, NY 14202
The Decker Agency, Inc.
37 Elmwood Avenue Buffalo, NY 14201
First Niagara Risk Management, Inc.
726 Exchange Street Buffalo, NY 14210
John J. Grimaldi & Associates, Inc.
137 Summer St 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
M&T Insurance Agency, Inc
285 Delaware Ave Ste 4000 Buffalo, NY 14202
Frank R. Pelosi Jr. Agency
165 Cleveland Ave Buffalo, NY 14222
M & T Corporate Insurance & Risk
701 Seneca St Buffalo, NY 14210
First Niagara Risk Management, Inc.
239 Van Rensselaer St Buffalo, NY 14210
560 Delaware Ave Rm 200 Buffalo, NY 14202
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Buffalo Car Insurance
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