Wouldn’t life be so easy if you could just magically know the one company that has the cheapest insurance for drivers with accidents? Regrettably, it’s not quite that easy, as there are a whole bunch of unknowns such as how well you maintain your credit, whether or not you own a home, what your desired deductibles are, and your age. The content below covers these types of topics and will give you a jump start in finding the best auto insurance in Buffalo.
Figuring out which companies quote the cheapest auto insurance rates for drivers with accidents may require a bit more work in order to find the most economical policy.
Each insurer uses a slightly different approach to set premium rates, so we’ll go over the overall cheapest auto insurance companies in New York. It’s important that readers know that Buffalo auto insurance rates are impacted by many factors which can significantly increase or decrease the policy premium. Simply turning a year older, buying a different home, or getting caught speeding can trigger rate changes resulting in some companies being much cheaper than others.
Best Car Insurance Prices for Accident Prone Drivers
USAA has some of the best car insurance rates in Buffalo at around $1,187 each year. This is $888 less than the average premium paid by New York drivers of $2,075. Erie, Travelers, Utica National, and Progressive would also make the list of some of the more affordable Buffalo, NY car insurance companies.
As shown above, if you are insured with Erie and switched to USAA, you might realize annual savings of in the vicinity of $68. Drivers with Travelers could save as much as $342 a year, and Utica National insureds might see rate reductions of $347 a year.
To find the cheapest coverage for you, click here to start your custom quote or click several companies below for low rates.
It’s important to note that these premiums are averages across all insureds and vehicles and do not factor in a specific vehicle garaging location for drivers with accidents. So the car insurance company that fits your situation best may not even be in the list above. That point stresses why you need to get auto insurance quotes using your own individual information.
The vehicle model you are trying to insure is one of the primary factors in finding economical car insurance for drivers with accidents. Vehicles with lots of speed or power, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than more modest models. The next list ranks insurance prices for a number of the most budget-friendly vehicles to insure in New York.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$5,092|
|Honda CR-V EX-L 4WD||$5,398|
|Ford Escape XLT 2WD||$5,408|
|Ford F-150 XL Crew Cab 4WD||$5,784|
|Volkswagen Jetta S 2.5 Station Wagon||$5,803|
|Honda Odyssey EX W/Rear Entertainment||$5,971|
|Chevrolet Equinox LS AWD||$6,034|
|Toyota RAV4 Limited 4WD||$6,040|
|Dodge Grand Caravan SE||$6,096|
|Ford Explorer Limited AWD||$6,100|
|Ford Edge SEL AWD||$6,241|
|Ford Focus SEL 4-Dr Sedan||$6,288|
|Chevrolet Malibu Hybrid||$6,314|
|Chevrolet Impala LS||$6,327|
|Get a Custom Quote Go|
Prices above based on single male driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific location information which can increase or decrease prices substantially.
Looking at the numbers, you can figure that cars like the Honda Accord, Honda CR-V, and Ford Escape are going to be some of the more affordable vehicles to insure for drivers with at-fault accidents. Rates will tend to be higher because there is more exposure for drivers with accidents, but in general those specific models will have the lowest insurance prices compared to all other vehicles.
Get discount Buffalo insurance rates
Insurance providers that offer quotes for drivers with accidents may also offer rate discounts that could lower prices by as much as 35% or more if you qualify for them. Popular auto insurance companies and some of the discounts can be found below.
- Mercury Insurance offers premium reductions for professional/association, anti-theft, low natural disaster claims, annual mileage, ease of repair, and good student.
- Farmers Insurance includes discounts for homeowner, switch companies, alternative fuel, multi-car, and teen driver.
- Farm Bureau has savings for safe driver, multi-vehicle, driver training, 55 and retired, and good student.
- State Farm policyholders can earn discounts including student away at school, multiple policy, Drive Safe & Save, anti-theft, driver’s education, multiple autos, and Steer Clear safe driver discount.
- Allstate offers discounts including auto/life discount, 55 and retired, defensive driver, early signing, and multi-policy.
- GEICO may offer discounts for anti-lock brakes, five-year accident-free, driver training, defensive driver, military active duty, multi-vehicle, and daytime running lights.
The chart below compares insurance prices with and without discounts applied. The price estimates are based on a female driver, no violations and two at-fault accidents, New York state minimum liability limits, full physical damage 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 passive restraint, anti-theft, vehicle safety, paid-in-full, marriage, and multiple vehicle discounts applied. With discounts applied, theaverage yearly reduction on auto insurance for drivers with accidents is 28% or $844.
Insuring your vehicle with the best insurance company can be difficult considering how many different companies insure vehicles in New York. The company rank data in the next section can help you choose which coverage providers you want to consider when trying find the best insurance for drivers with accidents. The ratings below are only comprised of large nationwide companies, so companies that have a smaller presence will not be included in these rankings.
Top 10 Major Auto Insurance Providers in Buffalo Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Mercury Insurance – A+
Top 10 Major Auto Insurance Providers in Buffalo Ranked by Value
- The General
- Erie Insurance
- The Hartford
- Mercury Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
How to find the cheapest insurance for drivers with accidents
The list below shows a few thrifty suggestions that can help New York drivers get lower-cost car insurance.
- Being accident-free can lower rates significantly
- Violations like speeding or DUI increase rates
- Safe vehicles generally have lower rates
- Assess whether full coverage is needed
- Don’t have frequent claims
- Buying car and homeowners insurance together can save money
- Comparison shop frequently
The last item on the list is especially critical, as was stressed in the article above. Coverage prices can change considerably based on profitability, so drivers shouldn’t be reluctant to switch companies if a lower-cost policy is available.
We understand brand loyalty, but it’s not a great idea if that stubbornness costs you money that could be used for better things. It only take a few minutes to shop around to find cheaper auto insurance for drivers with accidents in Buffalo.
The agents below are willing to help you decide which coverages are best, since many consumers aren’t sure which coverage to buy and prefer to get some professional input when shopping for cheaper insurance for drivers with at-fault accidents. It’s not always easy to find the best policy yourself, and getting advice from a licensed agent can give you peace of mind knowing your policy gives you adequate protection.
To locate a Buffalo auto insurance agent by location nearest to you, click the link at the bottom.
- Cielinski Richard Insurance Agency
2916 William St – Buffalo, NY 14227 – (716) 892-5154
- Gallego Agency
572 Amherst St – Buffalo, NY 14207 – (716) 854-2800
- C.N. Maranto Agency, Inc.
36 Hopkins Rd – Buffalo, NY 14221 – (716) 633-1818