The words “bargain” and “insurance” probably shouldn’t be used together, especially when shopping around for the best insurance rates after a speeding ticket. In an attempt to save some money, let’s introduce you to some situations that significantly impact insurance premiums, and find some ways to reduce the price of your next policy.
After a few driving violations, one of the big criteria that determine insurance cost is your address. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas with less congestion benefit from lower rates.
The following table shows the highest-priced places in New York after a speeding ticket to purchase car insurance in. Buffalo is listed at #13 with an annual rate of $1,533 on average, which is about $128 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | New York | $2,627 |
| 2 | Hempstead | $2,301 |
| 3 | Freeport | $2,281 |
| 4 | Levittown | $2,061 |
| 5 | Yonkers | $1,958 |
| 6 | Mount Vernon | $1,938 |
| 7 | West Babylon | $1,932 |
| 8 | Brentwood | $1,872 |
| 9 | Hicksville | $1,862 |
| 10 | Coram | $1,714 |
| 11 | White Plains | $1,678 |
| 12 | New Rochelle | $1,627 |
| 13 | Buffalo | $1,533 |
| 14 | West Seneca | $1,225 |
| 15 | Cheektowaga | $1,216 |
| 16 | Niagara Falls | $1,201 |
| 17 | Tonawanda | $1,201 |
| 18 | Syracuse | $1,130 |
| 19 | Utica | $1,092 |
| 20 | Albany | $1,067 |
| 21 | Troy | $1,063 |
| 22 | Rochester | $1,036 |
| 23 | Schenectady | $1,020 |
| 24 | Irondequoit | $991 |
| 25 | Binghamton | $940 |
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Annual rates are approximated as specific location information can alter insurance rates noticeably.
Finding dependable, cheap insurance is challenging, and determining which company quotes the cheapest insurance rates after a speeding ticket will take even more shopping around. Each company has a unique formula to establish rates, so let’s begin by examining the most competitive insurance companies in Buffalo.
Best Cheap Insurance Rates with Licence Points
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,199 |
| 2 | Erie | $1,218 |
| 3 | Progressive | $1,496 |
| 4 | Utica National | $1,534 |
| 5 | Travelers | $1,559 |
| 6 | Allstate | $1,588 |
| 7 | MetLife | $1,620 |
| 8 | Amica | $1,644 |
| 9 | Preferred Mutual | $1,703 |
| 10 | New York Central Mutual | $1,892 |
| 11 | Safeco | $1,908 |
| 12 | GEICO | $1,926 |
| 13 | State Farm | $1,962 |
| 14 | Central Mutual | $1,968 |
| 15 | Liberty Mutual | $2,026 |
| 16 | Hanover | $2,393 |
| 17 | Encompass | $2,583 |
| 18 | Nationwide | $3,085 |
| 19 | Mercury | $3,848 |
| 20 | 21st Century | $4,281 |
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USAA normally has some of the cheapest car insurance rates in Buffalo at around $1,199 annually. Erie, Progressive, Utica National, and Travelers would also be considered some of the best Buffalo, NY car insurance companies.
In the above example, if you currently buy coverage from Travelers and switched to Erie, you could see yearly savings of in the neighborhood of $341. Policyholders with Allstate could save as much as $370 a year, and MetLife customers might reduce rates by $402 a year.
To see if you’re overpaying, click here to get a free quote or visit several of the following companies.
Be aware that those prices are averages across all types of drivers and the different vehicles they drive and and are not figured with a specific zip code after a speeding ticket. So the company that can offer the best rates for your situation may not even be in the top 20 companies shown above. That illustrates why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Buying coverage from a highly-rated insurance provider can be a challenge considering how many different companies sell coverage in Buffalo. The information in the next section can help you decide which car insurance providers to look at comparing rate quotes with.
These ratings only include companies that write coverage in many states, so companies that focus mainly on New York business are not included in these rankings. If you’d like to compare prices from these top-rated insurers and more, just click here.
Top 10 Major Car Insurance Companies in Buffalo Ranked by Customer Satisfaction
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- Erie Insurance – 88%
- USAA – 87%
- State Farm – 87%
- Travelers – 87%
- Mercury Insurance – 87%
- Safeco Insurance – 86%
Cautious Buffalo drivers save money
The ideal way to earn the most affordable insurance premiums in Buffalo after a few driving violations is to drive safely and avoid accidents and traffic violations. The illustration below illustrates how traffic citations and at-fault fender-benders drive up insurance costs for different age groups. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
In the example above, the average cost of auto insurance in Buffalo per year with no accidents or violations is $967. Get written up for one speeding ticket and the average cost jumps to $1,125, an increase of $158 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of insurance after a speeding ticket increases to an average of $2,554. That’s an increase of $1,586, or $132 per month, just for being a less-than-perfect driver!
Get discount Buffalo auto insurance
Auto insurance companies that provide policies after a speeding ticket may provide policy discounts that could potentially reduce rates by 25% or more if you qualify for them. The best insurance companies and some of the discounts are outlined below.
- Esurance policyholders can earn discounts including anti-lock brakes, Pac-12 alumni, good driver, multi-car, emergency road assistance, and DriveSense.
- The Hartford includes discounts for driver training, bundle, anti-theft, defensive driver, and good student.
- AAA has savings for multi-policy, AAA membership discount, pay-in-full, good driver, anti-theft, and education and occupation.
- GEICO may have discounts that include daytime running lights, anti-lock brakes, driver training, good student, and federal employee.
- State Farm has discounts for anti-theft, good driver, multiple policy, good student, student away at school, safe vehicle, and accident-free.
The illustration below illustrates the comparison of auto insurance costs with and without discounts applied to the policy rates. Data assumes a female driver, two speeding tickets and no accidents, New York state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with paperless filing, passive restraint, continuous coverage, vehicle safety, paid-in-full, and anti-theft discounts applied. In this example, theaverage yearly reduction on insurance after a speeding ticket is 28% or $541.
How to find more affordable auto insurance after a speeding ticket
It’s not impossible to find cheaper rates, and here are a few thrifty solutions that can help New York drivers quote more affordable auto insurance.
- Buy a vehicle with excellent safety ratings
- Save money by observing traffic laws and speed limits
- Full coverage may not be needed on older vehicles
- Raise your physical damage coverage deductibles
- Having at-fault accidents will increase rates
- Increase your credit rating
- Compare rate quotes frequently
The last item on the list is extraordinarily valuable, as we discussed in the prior information. Car insurance prices in Buffalo vary greatly, so drivers shouldn’t be resistant to buy from a new company if a lower-cost policy is available. Loyalty to a specific company is fine, but is isn’t recommended if your bullheadedness ends up costing you a lot of money. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance after a speeding ticket.