Who Has Cheap Car Insurance Quotes for College Students in Buffalo?

One of the more important considerations that are looked at to help calculate the cost of insurance is where you choose to live. Areas with a lot of weather claims or more people likely pay more, whereas more rural areas have the gratification of cheaper auto insurance rates.

The illustration below ranks the highest-priced places in New York for college students to purchase a policy in. Buffalo is ranked at #13 with an annual premium of $1,548 for car insurance, which is around $129 monthly.

How much does car insurance cost in Buffalo, NY?
Rank City Annual Rate
1 New York $2,708
2 Freeport $2,303
3 Hempstead $2,211
4 Levittown $2,061
5 Mount Vernon $1,978
6 Yonkers $1,978
7 Brentwood $1,929
8 Hicksville $1,919
9 West Babylon $1,913
10 Coram $1,714
11 New Rochelle $1,659
12 White Plains $1,629
13 Buffalo $1,548
14 Cheektowaga $1,216
15 Niagara Falls $1,201
16 West Seneca $1,189
17 Tonawanda $1,165
18 Syracuse $1,130
19 Utica $1,092
20 Troy $1,053
21 Albany $1,036
22 Irondequoit $1,031
23 Rochester $1,025
24 Schenectady $1,020
25 Binghamton $940
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Table data uses estimated as the vehicle garaging location can impact auto insurance rates considerably.

The make and model of vehicle on the policy is one of the primary factors when comparing quotes for cheaper car insurance for college students. Vehicles with limited speed and performance, good crash test ratings, or a low likelihood of liability claims will cost less to insure than higher performance models. The next list ranks coverage rates for a number of the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Buffalo, NY
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $4,542
Ford Escape Limited 4WD $4,900
Toyota Prius $4,969
Toyota Tacoma 4WD $5,093
Ford F-150 XL Crew Cab 4WD $5,161
Chevrolet Impala LS $5,314
Chevrolet Malibu Hybrid $5,383
Toyota RAV4 Limited 4WD $5,389
Jeep Grand Cherokee Laredo 2WD $5,383
Dodge Grand Caravan Crew $5,451
Ford Explorer Limited 2WD $5,457
Ford F-350 XL Super Cab 2WD $5,516
Honda Civic VP 4-Dr Sedan $5,604
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Data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in vehicle garaging location which can change prices significantly.

Based upon these rates, you can conclude that models like the Honda CR-V, Ford Escape, and Toyota Prius will be the most affordable vehicles to insure for students in college. Car insurance rates will tend to be higher just because there is more exposure for college students, but in general those specific models will have the least expensive rates available.

Deciding which companies have the cheapest car insurance rates for college students takes a little more work in order to find the best price. Each auto insurer has their own unique process for filing rates in each state, so we need to take a look at the car insurance companies that tend to have lower prices in Buffalo.

It’s a good idea to know that Buffalo, NY car insurance rates are impacted by many factors which can substantially change the price you pay for coverage. Improving your credit rating, moving across town, or having an accident can trigger price changes resulting in some rates now being much cheaper than others.

Cheapest Insurance Rates for College Students

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What’s the cheapest car insurance in New York?
Rank Company Cost Per Year
1 USAA $1,152
2 Erie $1,255
3 Utica National $1,549
4 Allstate $1,556
5 Progressive $1,558
6 Travelers $1,575
7 MetLife $1,588
8 Amica $1,628
9 Preferred Mutual $1,703
10 New York Central Mutual $1,836
11 GEICO $1,869
12 Central Mutual $1,948
13 State Farm $1,962
14 Safeco $1,966
15 Liberty Mutual $2,005
16 Hanover $2,323
17 Encompass $2,662
18 Nationwide $3,147
19 Mercury $3,809
20 21st Century $4,455
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USAA may offer some of the best car insurance rates in Buffalo at around $1,152 annually. Erie, Utica National, Allstate, and Progressive also make the cut as some of the best Buffalo, NY auto insurance companies.

As illustrated above, if you buy coverage from Erie and switched to USAA, you could earn an annual premium reduction of about $103. Policyholders with Utica National could save as much as $397 a year, and Allstate customers might reduce prices by as much as $404 a year.

To get a quick, customized rate comparison, click here to get quotes or feel free to get quotes from the companies below.

Understand that those prices are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact location for college students. So the insurer that fits your situation best may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

How careless driving impacts car insurance rates

One of the best ways to snag cheap car insurance prices in New York for students in college is to pay attention while driving and avoid traffic citations and accidents. The chart below illustrates how speeding tickets and fender-benders can influence yearly insurance costs for different ages of insureds. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Buffalo per year with a clean driving record and no accidents is $1,396. Get written up for two speeding tickets and the average cost rises to $1,848, an increase of $452 each year. Now add two accidents along with the two speeding tickets and the yearly cost of car insurance for college students increases to an average of $3,509. That’s an increase of $2,113, or $176 per month, just for not driving carefully!

The information below highlights how deductible choice can impact insurance rates when trying to find cheap insurance for college students. The data is based on a married male driver, full coverage, and no discounts are applied to the premium.

The chart above illustrates that a 50-year-old driver could reduce rates by $250 a year by increasing from a $100 deductible up to a $500 deductible, or save $376 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, have the ability to save up to $838 annually by using a higher deductible.

When raising deductibles, it is necessary to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Finding a highly-rated auto insurance company can be a challenge considering how many different insurance companies sell coverage in Buffalo. The information in the next section can help you select which insurers you want to consider when shopping car insurance rates for college students.

The rankings below only include companies with a national presence, so companies without a large exposure are not taken into consideration for these rankings. If you wish to compare rates and find cheaper insurance for college students, just click here.

Buffalo, NY Car Insurance Company Rankings
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
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Data Source: Insure.com Best Car Insurance Companies

The professional agents shown below can help you determine which auto insurance policy fits you best, as some people prefer to have some advice when shopping around for cheaper insurance for students in college. It can be hard to find the best rates on your own, so getting advice from a licensed agent can give peace of mind knowing your coverage gives you suitable coverage if you ever need to use it.

To locate a Buffalo insurance agent using an interactive map, click the button after the list or click here to get price quotes now.

The Decker Agency, Inc.
37 Elmwood AveBuffalo, NY 14201(716) 883-1455

Charles P Faso, Inc.
860 Englewood AveKenmore, NY 14223(716) 877-1702

Lou Santiago – State Farm Insurance Agent
557 Niagara StBuffalo, NY 14201(716) 883-5500

C.N. Maranto Agency, Inc.
36 Hopkins RdBuffalo, NY 14221(716) 633-1818

Mesi Agency Inc
759 Dick RdBuffalo, NY 14225(716) 626-3355

Find a Buffalo, NY insurance agent near you