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 Average||State Average||National Average|
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
|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
|Credit||Average Car Insurance Rate|
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
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/Gender||Average 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
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
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
361 Delaware Avenue, Buffalo, NY 14202
E. T. Clauss & Co., Inc.
735 Delaware Ave, Buffalo, NY 14209
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The average Buffalonian's annual cost of coverage
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