Cheapest Car Insurance Quotes In Buffalo, NY For 2024

Kemper stands out as the cheapest option in Buffalo, with an average rate of $22 a month.

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Updated: 01 April 2024
Written by
Bob Phillips
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When scouring for the most affordable car insurance in Buffalo, NY, the options can vary greatly, but one company stands out for its competitive rates: Kemper. On average, residents can secure car insurance for about $22 per month, which is considerably lower than the state’s average of $200.

For those seeking the cheapest liability-only coverage, Kemper emerges as a clear winner. Meanwhile, drivers looking for more comprehensive protection find that Kemper offers the best rates for full coverage policies, at $37 a month. While Kemper offers the cheapest rates for young drivers, at $72 per month.

Cheapest Car Insurance Companies In Buffalo, NY

Our Methodology

Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Buffalo, NY. This is an informed perspective, honed by over 15 years of personal involvement in the industry as a licensed insurance agent, countless interactions with representatives from various companies, and insights gleaned from firsthand experience

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Buffalo, NY?

Kemper offers the cheapest car insurance in Buffalo, NY. You can find car insurance coverage for $138 a month.

As the table below shows, its rates are considerably lower than the average rate in both the State of New York and the United States as a whole:

Area Average Monthly Rate
National $152
New York $200
Buffalo, NY $138

Bear in mind that the average national cost includes both high-cost states (such as New York, New Jersey, and California) and low-cost states (such as Mississippi, Kentucky, and Wyoming). Rates will vary by location according to many factors, including vehicle type, amount of coverage, zip code, driving record, etc.

Cheapest Car Insurance Rates In Buffalo For Seniors

Kemper quotes average $65 a month, the cheapest car insurance rates for seniors in Buffalo

Provider Average Monthly Cost Average Annual Cost
Kemper $65 $778
GEICO $92 $1,095
Progressive $93 $1,107
Mercury $101 $1,213
Allstate $104 $1,249

In New York, many seniors may find advantageous car insurance rates, influenced by a range of beneficial factors. Although age is typically a factor in insurance rate determinations, with older age sometimes associated with decreased driving ability, this stereotype does not hold true for all.

Cheapest Car Insurance Rates In Buffalo For Full Coverage

Kemper has the cheapest car insurance rates for full coverage. Their quotes average $37 a month in Buffalo.

Provider Average Monthly Cost Average Annual Cost
Kemper $37 $442
GEICO $95 $1,141
Chubb $103 $1,238
Allstate $110 $1,314
State Farm $111 $1,326

Full coverage car insurance provides an all-encompassing protective umbrella that goes beyond the basic coverage mandated by law. This insurance typically merges comprehensive and collision coverages.

Comprehensive coverage safeguards against non-collision incidents, including theft, vandalism, or natural events, while collision coverage ensures financial protection for vehicle damages due to accidents, without regard to the responsible party.

Cheapest Car Insurance Rates In Buffalo For Minimum Coverage

Kemper is the cheapest car insurance company for minimum coverage in Buffalo, with an average monthly cost of $22.

Provider Average Monthly Cost Average Annual Cost
GEICO $37 $439
Progressive $42 $500
Erie $43 $514
State Farm $48 $574
Kemper $22 $262

The minimum car insurance policy should have at least the following:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $10,000 for property damage per accident

Having minimum car insurance provides you with some protection while on the road, but it does not include collision or comprehensive insurance, which means damages to your own vehicle in the event of an accident or other incidents like theft and natural disasters won’t be covered.

Driving without insurance is also illegal in New York. Your inability to show proof of insurance during a traffic stop may result in various penalties. These may range from being fined to having your license suspended or worse.

Cheapest Car Insurance Rates In Buffalo For Teenagers

Teenage drivers in Buffalo can find the cheapest quotes from Kemper, with average monthly premiums of $75.

Provider Average Monthly Cost Average Annual Cost
State Farm $382 $4,582
GEICO $120 $1,443
Kemper $75 $898
Travelers $354 $4,112
Allstate $188 $2,251

Teenage drivers often face the most expensive car insurance premiums, and this is predominantly due to their inexperience behind the wheel. Insurance providers consider these young motorists to be a high-risk category because they are statistically more prone to be involved in accidents and commit traffic infractions.

Cheapest Car Insurance Rates In Buffalo For Young Adults

Kemper offers the cheapest quotes for young adults in Buffalo. Rates are around $72 a month.

Provider Average Monthly Cost Average Annual Cost
State Farm $150 $1,792
GEICO $90 $1,078
Kemper $72 $862
Allstate $124 $1,490
Travelers $143 $1,712

In New York, young adult drivers typically benefit from lower car insurance rates compared to their teenage counterparts. This discrepancy in pricing is attributed to the maturation of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.

Statistically, young adults are less likely to file claims with insurance companies, a factor that reflects a reduction in accident involvement. Consequently, insurers adjust premiums downward, recognizing the improved safety records and decreased likelihood of claims from these more experienced drivers

Cheapest Car Insurance Rates In Buffalo For Good Drivers

Good drivers in Buffalo can find the cheapest car insurance quotes from Kemper, at around $22 a month.

Provider Average Monthly Cost Average Annual Cost
GEICO $37 $439
Progressive $42 $500
Erie $43 $514
State Farm $48 $574
Kemper $22 $262

Drivers with clean driving records in Buffalo typically receive lower car insurance rates because they’re perceived as lower risk. Insurance companies use driving records as a way to gauge how safely a person drives. Fewer incidents, like accidents or traffic violations, suggest that the driver is cautious and less likely to file a claim.

Since insurers base their rates on the likelihood of a driver making a claim, a spotless driving record can lead to significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and, consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Buffalo For Drivers With Prior Incidents

In Buffalo, drivers with records of traffic violations, including accidents, speeding, or DUIs, often face difficulties obtaining affordable car insurance. Such driving infractions lead insurance companies to label them as high-risk, a designation that comes with the expectation of a greater chance of filing future insurance claims.

Consequently, insurance providers adjust their rates upward for these individuals to mitigate the risk of incurring higher claim payouts.

Cheapest Car Insurance Rates In Buffalo For Drivers With A Speeding Ticket

Progressive is very cheap compared to other companies. The company offers average rates of $43 a month.

Provider Average Monthly Cost Average Annual Cost
State Farm $116 $1,400
Travelers $160 $1,912
Geico $77 $940
Allstate $106 $1,282
Progressive $43 $514

Cheapest Car Insurance Rates In Buffalo For Drivers With An At-Fault Accident

Progressive offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $45 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $116 $1,402
Travelers $169 $2,016
Geico $78 $942
Progressive $45 $560
Allstate $88 $1,065

Cheapest Car Insurance Rates In Buffalo For Drivers After A DUI

Progressive is the company with the cheapest rates for drivers after a DUI. They offer Buffalo drivers average monthly premiums of $46.

Provider Average Monthly Cost Average Annual Cost
State Farm $116 $1,402
Travelers $169 $2,016
Geico $78 $942
Progressive $46 $560
Allstate $88 $1,065

Best Car Insurance Companies In Buffalo

For drivers in Buffalo, choosing the right car insurance company is as much about finding affordable rates as it is about securing reliable protection on the road. Shown below are the top 10 car insurance companies in Buffalo, NY, ranked by the average monthly rate they offer.

Company Monthly Premium
Travelers $126
Nationwide $128
Allstate $166
Safeco $167
New York Central Mutual Fire $76
USAA $111
State Farm $128
Tower Insurance Company of New York $154
Preferred Mutual $162
Erie $107

Average Car Insurance Rates By Age In Buffalo

Age Average Yearly Rate
Teenagers $2,684
20s $1,476
30s $1,236
40s $1,080
50s $1,008
60s $1,176
70s $1,152

Age is a significant factor in determining car insurance rates. Generally, younger drivers, particularly teens and young adults, face higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates typically start to decrease, assuming a clean driving record.

The most favorable insurance rates are often found for drivers in their 50s and early 60s. Insurance companies use age as a metric to gauge driving experience and risk potential, influencing the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Buffalo

Vehicle Average Monthly Rate
Chevrolet Tahoe $63
Volkswagen Tiguan $113
Chevrolet Trax $64
Ford Focus $92
Honda Accord $87

The type of vehicle you drive significantly influences your car insurance costs. Factors such as the make, model, year, and body type of the car are all taken into account by insurance companies. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

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

City Average Monthly Rate
Jamaica $248
Mount Vernon $195
New York $218
Port Washington $149
Albany $114
Bronx $268
Brooklyn $298
Buffalo $138
Flushing $203
Great Neck $160

The city where you reside has a significant impact on your car insurance rates. Insurance companies assess various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are typically higher in urban areas. This increased risk often leads to higher premiums.

FAQs

Who has the lowest car insurance rates in Buffalo?

The lowest car insurance rates in Buffalo are offered by Kemper for the minimum coverage required by the State of New York and Kemper for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Buffalo?

The average cost of car insurance in Buffalo is about $138 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.

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