How Much are Car Insurance Rates for Infrequent Drivers in Buffalo?

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Wouldn't it be excellent if we could just tell you that one special company that has the best insurance prices for infrequent drivers? It's not quite that easy, unfortunately, as there are a whole slew of unknown elements like if you own or rent your home, any driving violations you may have, and the vehicle you drive, that all have an effect on the price of a policy. This article will cover some of these criteria and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.

For low mileage drivers, one of the more important factors that are looked at to help calculate the price you pay for insurance is where you keep your car. Cities with larger populations likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The next table shows the most expensive cities in New York for infrequent drivers to buy auto insurance in. Buffalo is listed at #13 with an annual rate of $1,488 for the average policy, which is around $124 each month.

How much does auto insurance cost in Buffalo?
Rank City Average Per Year
1 New York $2,708
2 Hempstead $2,301
3 Freeport $2,213
4 Levittown $2,041
5 Mount Vernon $1,997
6 Yonkers $1,958
7 West Babylon $1,932
8 Brentwood $1,910
9 Hicksville $1,900
10 Coram $1,784
11 White Plains $1,678
12 New Rochelle $1,610
13 Buffalo $1,488
14 Niagara Falls $1,225
15 Cheektowaga $1,203
16 West Seneca $1,201
17 Tonawanda $1,177
18 Utica $1,125
19 Syracuse $1,119
20 Troy $1,085
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Premium amounts are approximated as the specific garaging location can affect price quotes noticeably.

Deciphering which companies quote the best insurance rates for infrequent drivers will involve more time than just quoting one company's rates. Every insurance provider uses their own method for establishing rates, so to begin we'll rank the insurance companies with the most affordable rates in Buffalo.

It's a good idea to be aware that New York insurance rates are based on many factors that may substantially change the price you pay for coverage. Simply having a birthday, having a claim, or getting a couple of tickets can trigger rate changes that can cause some rates to be cheaper than before.

Best Auto Insurance Prices in New York

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New York auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,152
2 Erie $1,255
3 Travelers $1,529
4 Allstate $1,541
5 Utica National $1,549
6 Progressive $1,558
7 MetLife $1,588
8 Amica $1,628
9 Preferred Mutual $1,737
10 New York Central Mutual $1,836
11 GEICO $1,907
12 Safeco $1,946
13 Central Mutual $1,968
14 State Farm $1,982
15 Liberty Mutual $2,005
16 Hanover $2,299
17 Encompass $2,662
18 Nationwide $3,085
19 Mercury $3,965
20 21st Century $4,412
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USAA may have some of the lowest car insurance rates in Buffalo at around $1,152 each year. This is $923 less than the average policy premium paid by New York drivers of $2,075. Erie, Travelers, Allstate, and Utica National would also be considered some of the best Buffalo, NY insurance companies.

As illustrated above, if you currently buy coverage from Allstate and switched to Erie, you may realize savings of around $286. Insureds with Utica National may save as much as $294 a year, and Progressive insureds might realize rate reductions of up to $303 a year.

It's important to note that these prices are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific location for infrequent drivers. So the insurer that can offer you the lowest price may not even be in the top 20 companies in the list above. That points out the importance of why you need to get rate quotes using your own driver and vehicle profiles.

The make and model of vehicle you are insuring is a large consideration when shopping for cheaper coverage for infrequent drivers. Vehicles with lower acceleration and performance, advanced safety features, or low incidents of liability claims will cost less to insure than high performance models. The information below presents coverage prices for a number of the most cost-effective vehicles to insure in New York.

Cheapest Vehicles to Insure in Buffalo, NY
Make and Model Estimated Cost for Full Coverage
Honda Odyssey LX $2,438
Honda CR-V EX-L 4WD $2,485
Ford Escape XLT 2WD $2,505
Ford Focus SE 4-Dr Sedan $2,579
Toyota RAV4 2WD $2,629
Volkswagen Jetta S 2.5 Station Wagon $2,710
Chevrolet Impala LTZ $2,770
Hyundai Elantra SE 4-Dr Sedan $2,777
Toyota Prius $2,774
Nissan Rogue S AWD $2,814
GMC Sierra SLT Crew Cab 2WD $2,821
Chevrolet Malibu LTZ $2,828
Ford Edge Limited 2WD $2,821
Ford Explorer XLT AWD $2,827
Jeep Wrangler Rubicon 4WD 2-Dr $2,832
Ford F-150 Lariat King Ranch 4WD $2,871
Ford Fusion S 4-Dr Sedan $2,878
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in vehicle location which can lower or raise premiums significantly.

Looking at the rates, we can presume that models like the Honda Odyssey, Honda CR-V, Ford Escape, Ford Focus, and Toyota RAV4 should be the less-costly vehicles to insure for low mileage drivers.

Get discounts on Buffalo insurance

Discounts on insurance for infrequent driversAuto insurance companies that provide coverage for infrequent drivers could also offer policy discounts that could lower prices by as much as 40% or more if you meet specific eligibility requirements. A list of insurance companies and a partial list of their discounts can be found below.

The illustration below compares premium costs with and without policy discounts. The premiums are based on a female driver, no claims or driving citations, New York state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, passive restraint, safe-driver, multiple vehicle, homeowner, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for infrequent drivers is 28% or $398.

Reckless driving habits raise Buffalo insurance rates

The common sense way to snag affordable insurance rates for low mileage drivers is to drive carefully and avoid accidents and traffic violations. The illustration below shows how traffic citations and at-fault collisions can raise annual premium costs for each age group. The prices are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

In the example above, the average cost of a car insurance policy per year with no violations or accidents is $1,070. Get one speeding ticket and the average cost rises to $1,228, an increase of $158 each year. Next add one accident along with the one speeding ticket and the annual cost of insurance for infrequent drivers goes up to an average of $1,670. That's an increase of $599, or $50 per month, just for not maintaining a clean driving record!

The information below demonstrates how choosing different deductibles can change premium costs when getting quotes for cheap insurance for infrequent drivers. The data is based on a single female driver, full coverage, and no discounts are applied to the premium.

A 50-year-old driver could lower rates by $292 a year by switching from a $100 deductible up to a $500 deductible, or save $442 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, could potentially save $748 annually by choosing larger deductibles on their policy.

When increasing deductibles, it is a good idea to have enough spare savings to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find economical auto insurance for infrequent drivers

It is possible to find better rates, and here are some of the better thrifty ideas that can help New York drivers buy low-cost coverage.

The last idea is notably crucial, as we stressed in the prior article. Prices charged by companies in Buffalo fluctuate considerably, so don't be afraid to change to a new company if a more affordable rate is found.

Brand loyalty is great, but is isn't recommended if your bullheadedness ends up costing you hundreds of dollars a year. Take a few minutes and compare prices and find cheaper car insurance for infrequent drivers.