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 AverageState AverageNational Average
$1,692$1,582$1,427


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
AgeAverage Rate
Teenagers$5,713
20s$2,274
30s$1,682
40s$1,627
50s$1,580
60s$1,624
70s$1,805


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/IncidentAverage Annual Premium
DUI$2,612
Reckless Driving$2,984
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/GenderAverage Rate
Female$1,722
Male$1,692
Single$1,692
Married$1,647
Divorced$1,672
Widowed$1,672


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 ScoreAverage Car Insurance Rate
Very Poor$3,437
Fair$2,719
Good$2,177
Very Good$1,777
Exceptional$1,515


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

Lawley Service

361 Delaware Avenue Buffalo, NY 14202

John Obstarczyk Agency

16 Lake Ave Buffalo, NY 14219

M & T Corporate Insurance & Risk

701 Seneca St Buffalo, NY 14210

John J. Grimaldi & Associates, Inc.

137 Summer St Buffalo, NY 14222

First Niagara Risk Management, Inc.

239 Van Rensselaer St Buffalo, NY 14210

E. T. Clauss & Co., Inc.

735 Delaware Ave Buffalo, NY 14209

Frank R. Pelosi Jr. Agency

165 Cleveland Ave Buffalo, NY 14222

Walsh Duffield Companies, Inc.

801 MAIN STREET BUFFALO, NY 14203

Eastern General Insurance Services Inc

1578 Broadway St Ste 1 Buffalo, NY 14212

SEFCU Insurance Agency

598 Main St Ste 1 Buffalo, NY 14202

Able Insurance Agency

1798 Main St Buffalo, NY 14208

First Niagara Risk Management, Inc.

726 Exchange Street 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

Action Auto Agency

2817 Genesee St Buffalo, NY 14225

The Decker Agency, Inc.

37 Elmwood Avenue Buffalo, NY 14201

ABH Insurance Solutions Agency Inc AKA The Byrne Insurance Agency Inc

480 Abbott Rd Buffalo, NY 14220

See All

Not sure about Buffalo

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New York

2

$1,578

The average Buffalonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

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252

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

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Recent Questions:

Buffalo Car Insurance

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Jan 11, 2019

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