Who Has Affordable Auto Insurance for 19 Year Olds in Buffalo?

Life would sure be easier if we could tell you the one company in New York that has the cheapest rate quotes in New York. Unfortunately, it’s not that simple as there are a whole bunch of unknown factors such as if you are married or single, whether you are a man or a woman, your date of birth, and the miles you drive each year, that all impact the cost of coverage. This article will cover these things and educate you enough to have a jump start in finding the best auto insurance in Buffalo.

Finding low-cost insurance is not most people’s favorite thing to do, and figuring out which companies offer the cheapest insurance rates for 19 year olds involves a bit more work. Every insurance company uses a slightly different approach for filing rates in each state, so let’s begin by taking a look at the most affordable insurance companies in Buffalo.

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Cheapest New York car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,163
2 Erie $1,255
3 Progressive $1,542
4 Utica National $1,549
5 Travelers $1,559
6 MetLife $1,588
7 Allstate $1,603
8 Amica $1,628
9 Preferred Mutual $1,686
10 GEICO $1,869
11 New York Central Mutual $1,874
12 Safeco $1,908
13 State Farm $1,924
14 Central Mutual $1,968
15 Liberty Mutual $2,087
16 Hanover $2,369
17 Encompass $2,662
18 Nationwide $3,085
19 Mercury $3,809
20 21st Century $4,455
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USAA has some of the cheapest car insurance rates in Buffalo at around $1,163 annually. Erie, Progressive, Utica National, and Travelers also qualify as some of the cheapest Buffalo, NY insurance companies.

As depicted above, if you are a customer of Utica National and switched to USAA, you might achieve an annual savings of roughly $386. Policyholders with Travelers could save as much as $396 a year, and MetLife customers might see rate reductions of $425 a year.

To see if your current coverage is too expensive, click here to start your free quote or visit any of the low-priced companies below.

Be aware that those premium estimates are averaged for all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location for 19 year olds. So the insurer that fits your situation best may not even be in the top 20 companies in the list above. That point stresses why you need to get quotes using your own specific driver and vehicle information.

The make and model of vehicle you are buying coverage for is one of the largest factors when consumers are trying to find the lowest-priced auto insurance for 19 year olds. Vehicles with average performance, advanced safety features, or a positive history of liability claims will cost much less to insure than high performance models. The table below features insurance premiums for the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Buffalo, NY
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $7,329
Honda Accord LX-P 4-Dr Sedan $7,339
Honda CR-V EX-L 2WD $7,423
Jeep Wrangler Sport 4WD 2-Dr $7,581
Hyundai Elantra SE Touring Station Wagon $7,931
Toyota Prius $8,025
Ford F-150 STX Regular Cab 2WD $8,092
Ford Edge Limited 2WD $8,600
Toyota Tacoma Double Cab 4WD $8,694
Toyota Camry LE $8,703
Chevrolet Impala LT $8,694
Chevrolet Equinox LT AWD $8,702
Toyota RAV4 Limited 4WD $8,694
Dodge Grand Caravan Hero $8,703
Chevrolet Silverado LT Extended Cab 4WD $8,694
GMC Sierra SLE Regular Cab 2WD $8,704
Chevrolet Malibu LS $8,694
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Data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in zip code location which can modify insurance rates substantially.

By looking at the data, we can infer that vehicles like the Ford Escape, Honda Accord, and Honda CR-V should be some of the cheapest vehicles to insure for teenage drivers. Auto insurance rates will trend higher just because there is more claim risk for 19 year olds, but overall those models will probably have the cheapest rates possible.

Get discount Buffalo car insurance rates

Insurance for teenage drivers in Buffalo, NYInsurers that offer cheap quotes for 19 year olds may also provide rate discounts that could potentially reduce rates by 30% or more if you are eligible. Companies and the discounts they provide are:

The diagram below shows the comparison of insurance prices with and without discounts applied. The information is based on a female driver, a clean driving record, no claims, New York state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with homeowner, anti-theft, multiple policy, vehicle safety, defensive driving course, and accident-free discounts applied. When taking advantage of discounts, the average savings per year on insurance for 19 year olds is 28% or $470.

The chart below illustrates how your choice of deductibles can impact insurance premiums when searching for cheap insurance for 19 year olds. The price estimates are based on a married female driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could cut expenses by $180 a year by changing from a $100 deductible up to a $500 deductible, or save $272 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, can save $450 annually by using a higher deductible. When using a larger deductible, it will now be necessary to have enough savings set aside to offset the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Here’s why price comparisons are so important

Buffalo, NY insurance rates are impacted by many things that may substantially change the price you pay for coverage. Simply improving your credit, moving to a different location, or getting a DUI can trigger price changes resulting in some rates now being cheaper than competitors. Also, auto insurance companies change premium rates as needed in order to offset underwriting gains or losses. Larger than normal claims may result in increased rates, while profitable underwriting can cause more affordable Buffalo car insurance rates.

As an example, the data below shows which companies have the cheapest car insurance in Buffalo, NY for a 30-year-old male driver with no accidents or violations, and a high credit rating. If we estimate rates based on his current situation, USAA quotes the lowest car insurance rates in Buffalo at $1,936 a year. This is $139 less than the average rate paid by New York drivers of $2,075. Erie, Utica National, Progressive, and Travelers are the remainder of the best Buffalo, NY auto insurance companies.

In this example, we will give the driver in the first chart a chargeable claim, a lower credit score, and a traffic ticket or two. Because each insurer has a proprietary method to set their prices, getting updated rate quotes will most likely result in a new list of the cheapest car insurance companies in Buffalo as shown below.

Amica now has the lowest price on auto insurance in Buffalo with MetLife, Preferred Mutual, Erie, and New York Central Mutual completing the list. This illustrates why drivers need to do a thorough rate comparison when trying to get affordable auto insurance rates for 19 year olds.

Rates are determined by many risk factors and change dramatically, so the most affordable company six months ago may now be wasting a lot of money.

The insurance agencies listed below are willing to provide answers to your questions and help you determine which coverage meets your needs best, as some people prefer to have some professional guidance when trying to find the best insurance rates for teenage drivers. It can be challenging to find the best coverage on your own, so getting advice from a licensed agent can give satisfaction knowing you have suitable coverage if you ever need to use it. To locate a Buffalo car insurance agency closest to you, click the button after the list.

C.N. Maranto Agency, Inc.
36 Hopkins RdBuffalo, NY 14221(716) 633-1818

Dan Schmidt – State Farm Insurance Agent
615 Elmwood AveBuffalo, NY 14222(716) 783-9460

Charles P Faso, Inc.
860 Englewood AveKenmore, NY 14223(716) 877-1702

Cannizzaro Insurance Agency, Inc
432 Amherst StBuffalo, NY 14207(716) 235-8882

Able Insurance Agency
1798 Main StBuffalo, NY 14208(716) 883-5212

View more Buffalo, NY insurance agencies

How to find budget-friendly auto insurance for 19 year olds

It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help New York drivers locate cheaper coverage.

The last tip is very crucial, as we discussed in the prior information. Prices charged by auto insurers fluctuate constantly, so drivers shouldn’t hesitate to switch to a new company if a lower-cost policy is available. Sticking with a specific company is fine, but is isn’t recommended if it’s costing you a considerable chunk of change every month. Now is a great time to compare prices and find cheaper auto insurance for 19 year olds in Buffalo.