Buffalo, NY Car Insurance

On average, Buffalo drivers pay a monthly average rate of around $169 for their car insurance. Read our guide below to learn more about your specific rates.
Are rates in Buffalo higher or lower than those in neighboring areas? How do they compare to the rest of New York? What rates should residents of Buffalo expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Buffalo?

Area Average Monthly Car Insurance Premium
Buffalo$169
NY$198
United States$80

Looking at the chart above, you can see it's around $29 a month cheaper to insure your vehicle in Buffalo than it is in the rest of New York.

Drivers relocating the Buffalo should take note of the differences in average rates. It's around $89 more expensive to insure your vehicle in Buffalo compared to the average rate for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Buffalo, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

Don't worry, we've done the work for you and broken down average rates for Buffalo to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$243
25-34$132
35-44$139
45-54Not Enough Data
55-64$121
65+$98

More time behind the wheel makes you a more experienced driver. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Buffalo may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$178
Female$151

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Buffalo, this difference shakes out to about $27 per month. Based on the chart above, you can see that female drivers pay around $151 on average, while male drivers typically pay $178 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$128
Multiple Accidents$204
1 Ticket$193
Multiple Tickets$229

Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Buffalo with a single accident on their record is about $193 a month. In addition, drivers with one ticket can expect to pay around $128 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$150
2-3 Years$200
4-5 Years$191
6-7 Years$149
8-10 Years$160
11-14 Years$161
15 Years or Older$163

The cheapest vehicles to insure in Buffalo are by and large trucks and vans, with each type typically costing about $137 per month.

Car owners will see a monthly bill of about $178, while SUV owners typically pay around $154 a month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Buffalo, for example, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$175
Married$126
Divorced$87
Widowed$77

Overall, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

In Buffalo, the difference in rates based on relationship status can be as much as $49 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$167
Rent$170
Live with parents$189

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than those who own their own home in Buffalo. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Buffalo, NY

Recent trends in car insurance for Buffalo drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding before shopping for coverage.

In Buffalo, car insurance rates went up from 2016-2017, when they hit a high of $193. This leveled out in 2018, when they began to turn downward again. They finished down in 2021, at $139 per month

How does Buffalo compare to neighboring areas?

Why are car insurance rates in Buffalo different from other areas?

There are numerous factors car insurance companies will consider when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Regional laws
  • Amount of drivers in the area
  • Crime
  • Number of car accidents
  • Off-street parking availability

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Buffalo?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Buffalo in no time.

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Buffalo Insurance FAQs

What factors affect car insurance quotes in Buffalo?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Buffalo different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Buffalo?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Buffalo?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Buffalo or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes