Who Has Affordable Buffalo Auto Insurance for Teachers?

For teachers and educators, one of the big considerations that aid in calculating the cost of insurance is the neighborhood you call home. Areas with more people or more claims tend to pay slightly more, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The following table shows the most expensive cities in New York for teachers to purchase a policy in. Buffalo ranks #13 with an annual premium of $1,488 for the average policyholder, which is around $124 each month.

How much is auto insurance in Buffalo, NY?
Rank City Premium Per Year
1 New York $2,654
2 Hempstead $2,301
3 Freeport $2,235
4 Mount Vernon $1,997
5 Levittown $1,981
6 Yonkers $1,958
7 West Babylon $1,913
8 Brentwood $1,910
9 Hicksville $1,862
10 Coram $1,732
11 White Plains $1,678
12 New Rochelle $1,659
13 Buffalo $1,488
14 Cheektowaga $1,240
15 Niagara Falls $1,237
16 Tonawanda $1,213
17 West Seneca $1,189
18 Syracuse $1,130
19 Troy $1,095
20 Utica $1,092
21 Albany $1,067
22 Rochester $1,025
23 Schenectady $1,020
24 Irondequoit $1,001
25 Binghamton $940
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Prices are comparative as the specific area where the vehicle is garaged can increase or decrease price quotes substantially.

The vehicle needing coverage is one of the largest considerations that determines if you can find the best car insurance for teachers. Vehicles with lower acceleration and performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models. The information below outlines coverage costs for a selection of the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Buffalo, NY
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $2,105
Jeep Wrangler Sport 4WD 2-Dr $2,180
Ford Edge Limited 2WD $2,441
Ford Focus S 4-Dr Sedan $2,448
Chevrolet Silverado LS Extended Cab 4WD $2,490
Hyundai Elantra GLS Touring Station Wagon $2,585
Toyota Corolla XRS $2,668
GMC Sierra SLT Crew Cab 2WD $2,677
Honda Odyssey Touring $2,668
Toyota Prius $2,676
Nissan Rogue S AWD $2,671
Ford F-150 XLT Super Cab 2WD $2,704
Ford Explorer XLT AWD $2,714
Chevrolet Impala LS $2,803
Ford Escape Limited 4WD $2,809
Nissan Altima 2.5 S 2-Dr Coupe $2,849
Toyota RAV4 2WD $2,856
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Prices do not factor in specific location which can revise auto insurance rates significantly.

Looking at the numbers, you can expect makes and models like the Honda CR-V, Jeep Wrangler, Ford Edge, Ford Focus, and Chevrolet Silverado are going to be the less-costly vehicles to insure for teachers and educators.

Comparing quotes for low-priced insurance is confusing at best, and figuring out which company quotes the most affordable auto insurance rates for teachers takes a bit more work. Every auto insurer has a unique formula for determining rates, so let’s rank the overall cheapest auto insurance companies in New York.

It’s important to understand that Buffalo auto insurance rates are based on many factors that will increase or decrease the price you pay. Things like getting older, increasing deductibles, or getting a couple of tickets can produce rate changes that can cause some rates to be cheaper than competitors.

Best Insurance Companies for Educators

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Cheapest insurance companies in New York
Rank Company Cost Per Year
1 USAA $1,199
2 Erie $1,242
3 Travelers $1,513
4 Utica National $1,534
5 Allstate $1,541
6 Progressive $1,558
7 MetLife $1,636
8 Amica $1,644
9 Preferred Mutual $1,737
10 New York Central Mutual $1,836
11 GEICO $1,850
12 State Farm $1,904
13 Safeco $1,946
14 Central Mutual $1,968
15 Liberty Mutual $2,066
16 Hanover $2,393
17 Encompass $2,689
18 Nationwide $3,085
19 Mercury $3,848
20 21st Century $4,412
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USAA quotes some of the cheapest car insurance rates in Buffalo at around $1,199 a year. Erie, Travelers, Utica National, and Allstate would also make the list of some of the best Buffalo, NY insurance companies.

As shown in the table above, if you are currently insured with Erie and switched to USAA, you might realize savings of approximately $43. Customers with Travelers might save as much as $314 a year, and Utica National customers might cut rates by $335 a year.

To see if you’re overpaying, click here to get quotes or click several companies below for low rates.

Remember that these premium estimates are averaged for all insureds and vehicles and do not take into consideration a specific location for teachers. So the company that is best for you may not even be in the top 20 companies in the list above. That illustrates why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Difference between full coverage and liability only rates

Lowering the price of auto insurance is important to most people, and one great way to buy cheaper insurance for teachers is to buy liability only. The chart below compares insurance costs with full coverage compared to only the New York minimum liability coverage. The information is based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.

Averaged out for all age groups, physical damage coverage costs an extra $1,523 per year over and above liability only. Many drivers will wonder if paying for full coverage is a waste of money. There is no clear-cut rule that is best for determining when to drop physical damage insurance, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

Discounts on Buffalo insurance

Discounts on auto insurance for teachersAuto insurance companies that offer coverage for teachers may additionally offer rate discounts that could potentially reduce rates by 30% or more if you are eligible to receive them. A list of auto insurance companies and some of the premium reductions they offer are included below.

The example below shows the comparison of yearly insurance costs with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no claims, New York state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, passive restraint, accident-free, defensive driving course, vehicle safety, and multiple policy discounts applied. When discounts are applied, theamount saved on auto insurance for teachers is 28% or $330.

Here’s why you should compare rates often

Buffalo auto insurance rates are based on many factors which can substantially change the cost of coverage. Simply improving your credit, buying a different vehicle, or getting a DUI can trigger changes in premium that can now make some companies more affordable than others. Not only that, but companies amend pricing as often as every quarter in order to remain profitable. Larger than normal claims can result in more expensive premiums, while a better claims history can result in lower-priced Buffalo car insurance rates.

The bar chart below compares the cheapest car insurance in Buffalo, NY for a 35-year-old female driver with no prior claims, no tickets, and good credit. Based on her personal profile, USAA might offer the best car insurance rates in Buffalo at $1,916 each year. This is $159 less than the average price paid by New York drivers of $2,075. Erie, Progressive, Allstate, and Utica National are the remainder of the top five cheapest Buffalo, NY auto insurance companies.

The chart below compares rates after we give the driver from the first set of rates a chargeable accident, a lower credit score, and a few traffic violations. Due to the fact that every insurance company has their own formula to determine rates, comparing rates could result in a new list of affordable Buffalo car insurance companies as shown below.

Amica now has the best auto insurance rate in Buffalo, NY with MetLife, Erie, Preferred Mutual, and New York Central Mutual completing the list. This shows why consumers need to compare as many rates as possible when trying to get affordable insurance rates for teachers. Car insurance prices consist of many factors and can increase or decrease at any time, so the cheapest company the last time you checked may now cost much more than other companies.