Cheapest Car Insurance In Buffalo, NY 2025

When scouring for the cheapest car insurance in Buffalo, NY, the options can vary greatly.

For those seeking the cheapest liability-only coverage, NYCM emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that NYCM offers the best rates for full coverage policies. While NYCM offers the cheapest car insurance rates for young drivers.

Cheapest Liability-Only Car Insurance In Buffalo – NYCM

NYCM is the cheapest car insurance company for minimum coverage car insurance in Buffalo, with an average monthly cost of $82.

Use the table below to compare rates across different insurance providers.

Cheapest Full Coverage Insurance In Buffalo – NYCM

NYCM has the cheapest car insurance rates for full coverage. Their quotes average $133 a month in Buffalo.

The table below compares average auto insurance quotes from affordable insurers in Buffalo.

Cheapest Car Insurance For Senior Drivers – NYCM

NYCM offers the cheapest car insurance policy for seniors in Buffalo, at an average rate of $121 a month.

The below table shows average quotes from the cheapest auto insurers for seniors.

Cheapest Car Insurance In Buffalo For Teenagers – NYCM

Teenage drivers in Buffalo can find the cheapest quotes from NYCM, with average monthly premiums of $301.

The table below shows the companies with the cheapest insurance rates for teenagers.

Cheapest Car Insurance In Buffalo After A Speeding Ticket – State Farm

State Farm offers the cheapest car insurance in Buffalo, with average rates of $163 a month for drivers who have a speeding ticket on their record.

You can use the table below to find average rates for drivers with a speeding ticket.

Cheapest For Drivers With After At-Fault Accident – NYCM

NYCM offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $159 per month.

Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.

Cheapest Rates In Buffalo For Drivers After A DUI – NYCM

NYCM offers the cheapest rates for drivers after a DUI in Buffalo, with average monthly premiums of $198.

Drivers in Buffalo with a DUI can find the cheapest rates in the table below.

Best Car Insurance Companies In Buffalo

Drivers in Buffalo can find the most affordable insurance with New York Central Mutual (NYCM) for $158 a month. Buffalo drivers might want to also consider Erie at $164 a month, or State Farm at $168 per month.

Shown below are the top 10 car insurance companies in Buffalo, NY, ranked by the average monthly rate they offer.

Average Car Insurance Cost In Buffalo

Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.

According to our latest research, the average cost of car insurance in Buffalo is $137 per month, compared to the New York state average of $192, and the national average of $172 per month.

Average Auto Insurance Rates In Buffalo – By Age

Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $6,785 per year for car insurance.

As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.

The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.

Average Car Insurance Rates In Buffalo – By Vehicle

The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

You can use the table below to find average rates in Buffalo for different vehicles.

Average Cost Of Auto Insurance In Buffalo – By Zip Code

Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.

You can use the table below to find average insurance rates for different zip codes in Buffalo.

How Much Is Car Insurance In Other Cities In New York?

The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.

For example, drivers in Schenectady can expect to pay around $141 per month for car insurance, while residents of New York City pay an average rate of $165 per month.