Who Has Cheap Auto Insurance Rates for State Employees in Buffalo?

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One of the more important criteria that are looked at to help calculate the cost of insurance is the neighborhood you call home in Buffalo. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The illustration below lists the highest-priced places in New York for state employees to purchase auto insurance in. Buffalo ranks #13 with an annual rate of $1,548 for the average insured, which is approximately $129 each month.

How much does car insurance cost in Buffalo, NY?
Rank City Annual Premium
1 New York $2,735
2 Hempstead $2,301
3 Freeport $2,235
4 Levittown $2,001
5 Yonkers $1,920
6 Mount Vernon $1,919
7 West Babylon $1,913
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 Niagara Falls $1,225
15 Cheektowaga $1,216
16 Tonawanda $1,201
17 West Seneca $1,189
18 Utica $1,092
19 Syracuse $1,086
20 Albany $1,067
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Prices are approximated as vehicle location can revise rates greatly.

The vehicle model you are trying to insure is one of the main factors when looking for affordable insurance for state employees. Vehicles with economical engines, excellent safety ratings, or a low likelihood of liability claims will cost substantially less to insure than adrenaline junky models.

The information below features auto insurance prices for a selection of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Buffalo, NY
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,186
Volkswagen Jetta S 2.5 Station Wagon $2,371
Ford Edge SEL 2WD $2,539
Chevrolet Equinox LT AWD $2,589
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $2,774
Chevrolet Silverado LT Regular Cab 2WD $2,780
Nissan Rogue S AWD $2,774
Dodge Grand Caravan SE $2,814
Dodge Ram 3500 Crew Cab ST 2WD $2,874
Honda Odyssey EX W/Rear Entertainment $2,915
Ford Escape Limited 4WD $2,918
Hyundai Sonata Limited 4-Dr Sedan $2,958
Toyota Prius $2,982
Ford F-350 Crew Cab Lariat Turbo Diesel 2WD $3,012
Chevrolet Malibu LT $3,025
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,030
Chevrolet Impala LS $3,113
Hyundai Elantra SE 4-Dr Sedan $3,126
GMC Sierra 2500HD SLT Crew Cab 2WD $3,146
Jeep Grand Cherokee Laredo 2WD $3,177
Toyota RAV4 Limited 4WD $3,187
Toyota Camry LE $3,177
Ford Fusion Sport 4-Dr Sedan $3,180
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Data assumes 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, homeowner, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in Buffalo, NY location which can lower or raise coverage rates considerably.

Based on these rates, makes and models like the Honda CR-V, Volkswagen Jetta, Ford Edge, and Chevrolet Equinox will be some of the less-costly vehicles to insure for state workers.

Buying budget car insurance is not always easy, and figuring out which company has the most affordable insurance rates for state employees calls for even more diligence.

Each auto insurer uses their own method to set premium rates, so let's take a look at the most competitive insurance companies in Buffalo.

Best Cheap Insurance Rates in New York

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Cheapest New York car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,199
2 Erie $1,255
3 Progressive $1,496
4 Utica National $1,549
5 Allstate $1,556
6 Travelers $1,559
7 Amica $1,580
8 MetLife $1,636
9 Preferred Mutual $1,703
10 GEICO $1,869
11 New York Central Mutual $1,874
12 Safeco $1,888
13 State Farm $1,924
14 Central Mutual $2,008
15 Liberty Mutual $2,087
16 Hanover $2,323
17 Encompass $2,610
18 Nationwide $3,147
19 Mercury $3,848
20 21st Century $4,281
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USAA has some of the cheapest car insurance rates in Buffalo at around $1,199 each year. This is $876 less than the average premium paid by New York drivers of $2,075. Erie, Progressive, Utica National, and Allstate would also be considered some of the more affordable Buffalo, NY car insurance companies.

In the above rates, if you are a customer of Utica National and switched to USAA, you could earn savings of around $350. Drivers with Allstate might save as much as $357 a year, and Travelers insureds might lower prices by up to $360 a year.

If you want to see how much you could save, click here to get quotes or quote prices from the following companies.

These policy rates are averages for all insureds and vehicles and are not factoring in a specific zip code for state employees. So the insurer that can offer you the best rate may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.

Selecting the top insurance company can be a challenge considering how many different companies sell coverage in Buffalo. The company ratings shown below may help you select which car insurance companies to look at shopping your coverage with.

The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on New York business are not factored into the list. To get price quotes from these and other companies in New York, click this link.

Top Insurance Companies for State Employees in New York
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 92 90 82 88% A+ 88.5
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how different deductible levels can increase or decrease insurance costs when getting quotes for cheap insurance for state employees. The prices are based on a single female driver, comp and collision included, and no discounts are applied.

In the chart above, a 30-year-old driver could pocket $242 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $364 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save $532 every year by selecting a higher deductible. If you do decide to increase your deductibles, it will be required to have enough funds in savings to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

How violations and accidents impact rates

The obvious way to earn the best insurance premiums for state workers is to drive safe and not get tickets or have accidents. The example below shows how violations and fender-benders can raise car insurance costs for each different age group. The data is based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

The data in the chart shows the average cost of a car insurance policy per year with no violations or accidents is $1,173. Factor in two speeding tickets and the average cost rises to $1,613, an increase of $441 each year. Then add in two accidents along with the two speeding tickets and the annual cost of insurance for state employees jumps again to an average of $3,264. That's an increase of $2,091, or $174 per month, just for not driving carefully!

Your cheap policy may actually be overpriced

New York insurance rates are impacted by many factors that control your annual premium. Improving your credit score, moving across town, or getting a couple of tickets can produce rate changes resulting in some companies being affordable when they were higher priced. In addition, car insurance companies file new New York car insurance rates as needed in order to offset underwriting gains or losses. An extended period of higher than normal claims may result in high rates, while better underwriting can cause cheaper Buffalo car insurance rates.

The data below shows the company with the cheapest car insurance in Buffalo, NY for a 30-year-old female driver with no prior claims, no tickets, and a decent credit rating. When comparing rates based on her current risk factors, USAA may offer the lowest car insurance rates in Buffalo at $2,012 each year. This is $63 less than the average price paid by New York drivers of $2,075. Erie, Progressive, Travelers, and Utica National round out the rest of the best Buffalo, NY auto insurance companies.

Let's now give the driver from the first set of rates some claims, poor credit, and a traffic ticket or two. Due to the fact that every insurance company uses a different method for establishing rates, getting updated rate quotes may result in a significantly different list of companies as shown below.

Allstate now has the cheapest auto insurance in Buffalo, NY with MetLife, Erie, Preferred Mutual, and New York Central Mutual also being competitive. This example demonstrates why it is critical to shop around to find the lowest car insurance quotes for state employees. Insurance prices are impacted by many risk factors and can change substantially, so the cheapest company the last time you shopped your coverage around may now be costing you a lot of money.