Whether you pay cheap or expensive rates for auto insurance coverage depends on a lot of factors, but the average price for coverage in Buffalo is approximately $1,540 for an annual policy. On average, the rest of the U.S. pays about $1,200, so Buffalo drivers pay around $27 more every month than drivers in other states.
One of the biggest factors that determines the price you pay for auto insurance in Buffalo is the vehicle you are insuring. The next table details insurance cost for the top-selling vehicles insured in Buffalo.
|Make, Model, and Trim Level||Annual Cost||Semi-Annual Cost||Monthly Cost|
|Chevrolet Colorado LT Extended Cab 4WD||$890||$445||$74|
|Chevrolet Impala LTZ||$1,122||$561||$94|
|Chevrolet Silverado LT Regular Cab||$1,114||$557||$93|
|Dodge Ram Quad Cab SLT 4WD||$1,140||$570||$95|
|Ford Edge SEL AWD||$1,030||$515||$86|
|Ford Escape XLS 4WD||$890||$445||$74|
|Ford F-150 FX4 Super Cab 4WD||$1,080||$540||$90|
|Ford Focus SES 4-Dr Sedan||$1,098||$549||$92|
|Honda Accord LX-S 2-Dr Coupe||$1,182||$591||$99|
|Honda CR-V EX 4WD||$914||$457||$76|
|Honda Civic Hybrid 4-Dr Sedan||$1,148||$574||$96|
|Jeep Grand Cherokee Laredo 4WD||$1,054||$527||$88|
|Kia Optima LX||$1,114||$557||$93|
|Nissan Altima 2.5 4-Dr Sedan||$1,054||$527||$88|
|Nissan Rogue S 2WD||$1,114||$557||$93|
|Toyota Camry Hybrid||$1,208||$604||$101|
|Toyota Corolla XRS||$1,148||$574||$96|
|Toyota RAV4 Sport 4WD||$1,054||$527||$88|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,148||$574||$96|
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in specific location which can influence insurance rates substantially.
Careless drivers pay higher rates
The information below illustrates how speeding tickets and at-fault collisions raise insurance prices for each age group. The rates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
How to find cheaper Buffalo car insurance rates
Really, the only way to find discount car insurance rates in Buffalo is to do an annual price comparison from insurers who can sell car insurance in New York. You can compare prices by completing these steps.
- Spend some time learning about how car insurance works and the changes you can make to prevent rate increases. Many rating factors that are responsible for high rates like accidents, careless driving, and bad credit can be eliminated by improving your driving habits or financial responsibility.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and State Farm, while independent agencies can provide prices from multiple sources. View a list of agents
- Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is to try to compare the same coverage limits and deductibles on every quote and and to get price estimates from as many auto insurance providers as possible. Doing this enables an apples-to-apples comparison and the best price selection.