How Much are Buffalo Car Insurance Quotes for a School Permit?

The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, in particular when you are shopping around for the lowest insurance prices for a school permit. Because it’s not cheap, let’s open your eyes to some things that have an impact on auto insurance prices, and see if we can help you lower the price of your next policy.

For a learners permit, one of the more important factors that help determine the amount you pay each year for auto insurance is where your residence is. Cities with larger populations or higher claim trends will most likely pay more, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.

The information below sorts the most expensive places in New York for a school permit to buy auto insurance in. Buffalo is ranked #13 with an annual rate of $1,548 for the average insured, which is about $129 per month.

How much does auto insurance cost in Buffalo?
Rank City Average Per Year
1 New York $2,654
2 Hempstead $2,233
3 Freeport $2,213
4 Levittown $1,981
5 West Babylon $1,932
6 Mount Vernon $1,919
7 Yonkers $1,900
8 Hicksville $1,862
9 Brentwood $1,853
10 Coram $1,766
11 White Plains $1,678
12 New Rochelle $1,627
13 Buffalo $1,548
14 Cheektowaga $1,240
15 Niagara Falls $1,225
16 Tonawanda $1,201
17 West Seneca $1,189
18 Utica $1,136
19 Syracuse $1,119
20 Troy $1,095
21 Rochester $1,067
22 Albany $1,025
23 Schenectady $1,020
24 Irondequoit $991
25 Binghamton $922
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Annual rates are estimated as the specific geographic location can modify price quotes noticeably.

The vehicle model requiring coverage is probably the biggest factor when comparison shopping for the most economical coverage for a school permit. Vehicles with lower acceleration and performance, an excellent safety record, or low incidents of liability claims will cost less to insure than high performance models. The next table illustrates car insurance prices for the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Buffalo, NY
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $9,086
Ford Escape XLT 4WD $9,173
Toyota Prius $9,816
Ford F-150 STX Regular Cab 4WD $10,219
Ford Explorer XLT 2WD $10,225
Volkswagen Jetta SE 2.5 Station Wagon $10,374
Ford Edge SEL 2WD $10,687
Chevrolet Impala LS $10,693
Jeep Grand Cherokee Laredo 2WD $10,774
Toyota RAV4 4WD $10,779
Toyota Camry LE $10,774
Toyota Tacoma Double Cab 4WD $10,861
Dodge Grand Caravan SXT $10,869
Jeep Wrangler Unlimited Sport 2WD 4-Dr $11,320
Honda Odyssey EX-L $11,333
Toyota Corolla S $11,341
Hyundai Elantra SE 4-Dr Sedan $11,333
Chevrolet Equinox LTZ 2WD $11,420
GMC Sierra 2500HD SLE Crew Cab 4WD $11,425
GMC Sierra SLE Regular Cab 4WD $11,420
Nissan Altima 3.5 SR 4-Dr Sedan $11,430
Chevrolet Malibu LTZ $11,420
Ford Fusion Sport 4-Dr Sedan $11,426
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Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific location which can increase or decrease premiums considerably.

Based on these rates, we can assume that models like the Honda CR-V, Ford Escape, and Toyota Prius will definitely be the most economical vehicles to insure for a learners permit. The price for an auto insurance policy will tend to be higher just due to the fact that there is more claim risk for a school permit, but in general those models will most likely have the lowest prices that you are likely to find.

The chart below demonstrates how choosing different deductibles can affect insurance costs when researching cheap insurance for a school permit. The premium estimates are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could save $218 a year by changing from a $100 deductible up to a $500 deductible, or save $328 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old, could reduce their rates up to $714 or more just by using higher deductibles. If you do raise deductibles, it will be required to have plenty of money set aside to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Discount Buffalo insurance rates

Discounts on auto insurance for a school permitCar insurance companies that sell policies for a school permit could also offer discounts that could potentially reduce rates by as much as 30% if you are eligible. A list of auto insurance companies and their possible discounts are detailed below.

The diagram below illustrates the comparison of insurance costs with and without discounts applied. The data assumes a male driver, no violations or accidents, New York state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, good student, passive restraint, continuous coverage, and paid-in-full discounts applied. With discounts applied, theaverage yearly reduction on auto insurance for a school permit is 28% or $506.

Don’t stick with an overpriced policy

Buffalo, NY auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of your policy. Simply improving your credit, getting divorced, or getting a few speeding tickets can trigger changes in premium that can now make some companies affordable when they were higher priced. Additionally, insurance companies amend pricing every year or even multiple times each year in order to remain profitable. An extended period of higher than normal claims can cause increased rates, while lower claims may result in cheaper Buffalo car insurance rates.

To illustrate this example, the bar chart below shows the company with the cheapest car insurance in Buffalo, NY for a 30-year-old female driver with a good driving record, no prior claims, and a high credit rating. When comparing rates based on her personal profile, USAA may have the cheapest car insurance rates in Buffalo at $1,877 a year. This is $198 less than the average price paid by New York drivers of $2,075. Erie, Progressive, Travelers, and Utica National are the remaining most affordable Buffalo, NY auto insurance companies.

In this next rate comparison, we will give the driver from the first rate comparison a claim, a lower credit score, and a speeding citation. Since each insurance company has their own unique process for determining prices, getting updated rate quotes could now result in a different ranking of the cheapest companies as shown below.

MetLife now has the lowest price in Buffalo with Erie, Amica, Preferred Mutual, and New York Central Mutual now being in the top five. This illustrates why it is important to perform a complete rate comparison when trying to find the most affordable car insurance quotes for a school permit. Rates are made up of many different factors and can decrease or increase without notice, so the cheapest company the last time you checked may now be wasting a lot of money.