Who Has the Cheapest Buffalo Auto Insurance for 18 Year Olds?

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Wouldn't it be nice if we could tell you the one company that has the most affordable coverage for 18 year olds? That is not the case, however, as there are a lot of unknown factors like how much you actually drive in a year, how old you are, and the performance level of your vehicle. If you keep reading, we will teach you about the best ways to pay less and will give you a good beginning to your quest for cheaper car insurance.

Deciding which companies quote the best auto insurance rates for 18 year olds involves more time than just getting one or two price quotes. Each company has a different process for filing rates in each state, so let's take a look at the auto insurance companies with the most affordable rates in New York.

It's a good idea to be aware that Buffalo, NY auto insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Simply having a birthday, filing a claim, or getting a ticket for running a stop sign can produce rate changes resulting in some companies being much cheaper than others.

Cheap Insurance Rates for Teens

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USAA generally has some of the best car insurance rates in Buffalo at around $1,152 each year. This is $923 less than the average premium paid by New York drivers of $2,075. Erie, Progressive, Allstate, and Utica National would also make the list of some of the lowest-priced Buffalo, NY car insurance companies.

As the example above demonstrates, if you are insured with Erie and switched to USAA, you could earn a yearly savings of approximately $103. Customers with Progressive could save as much as $344 a year, and Allstate policyholders might cut rates by $389 a year.

Understand that those premium estimates are averaged for all drivers and vehicles and and are not figured with a specific vehicle garaging location for 18 year olds. So the car insurance company that is best suited for you may not even be in the top 20 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver and vehicle information.

For teen drivers, one of the big criteria that are looked at to help calculate the cost of insurance is where you keep your car in Buffalo. More populated areas will most likely pay more, whereas areas with less crime or weather claims tend to receive cheaper rates.

The table below ranks the most expensive areas in New York for 18 year olds to purchase auto insurance in. Buffalo shows up at #13 with an annual rate of $1,503 for the average insured, which is approximately $125 monthly.

How much does auto insurance cost in Buffalo?
Rank City Annual Premium
1 New York $2,654
2 Freeport $2,303
3 Hempstead $2,233
4 Levittown $2,061
5 Yonkers $1,958
6 Brentwood $1,929
7 Mount Vernon $1,919
8 West Babylon $1,913
9 Hicksville $1,862
10 Coram $1,714
11 New Rochelle $1,659
12 White Plains $1,612
13 Buffalo $1,503
14 Cheektowaga $1,203
15 Niagara Falls $1,201
16 West Seneca $1,189
17 Tonawanda $1,177
18 Utica $1,125
19 Syracuse $1,086
20 Albany $1,056
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Rates are estimated as specific location information can change premium rates greatly.

Picking the highest-rated auto insurance company can be a challenge considering how many companies there are in New York. The company information displayed below may help you analyze which coverage providers to look at purchasing a policy from. The rankings below are only made up of companies that insure vehicles across America, so smaller companies that only insure vehicles in New York are not factored into these rankings.

Best Ten Auto Insurance Companies for 18 Year Olds in Buffalo
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
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Data Source: Insure.com Best Car Insurance Companies

The example below shows how choosing a deductible can increase or decrease insurance prices when searching for cheap insurance for 18 year olds. The prices are based on a married male driver, full coverage, and no discounts are factored in.

The data above shows that a 40-year-old driver could lower their car insurance rates by $184 a year by switching from a $100 deductible to a $500 deductible, or save $280 by using a $1,000 deductible. Even younger insureds, like the age 20 example, can save as much as $616 annually by selecting a higher deductible.

When increasing deductibles, it is important to have additional funds squirreled away to offset the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Why you should be shopping around

Buffalo auto insurance rates are influenced by many factors that can increase the cost of having a policy. Simply having another birthday, buying a different vehicle, or having a fender bender may generate price changes that can make some companies more affordable than the competition.

Also, companies change the rates they charge in New York without warning in order to offset underwriting gains or losses. Larger than normal claims can cause higher prices, while a better loss history can result in cheaper Buffalo car insurance rates.

For instance, the data below demonstrates which company has the cheapest car insurance in Buffalo, NY for a 45-year-old female driver with no prior accidents, a clean driving record, and excellent credit. When quoting prices based on her personal profile, USAA has the cheapest car insurance rates in Buffalo at $1,973 annually. This is $102 less than the average premium paid by New York drivers of $2,075. Erie, Utica National, Progressive, and Allstate round out the rest of the best Buffalo, NY auto insurance companies.

The chart below compares rates after we give the driver from the first rate comparison some claims, a lower credit score, and a speeding citation. Due to the fact that every insurance company uses their own formula for setting rates, comparing quotes may now present a substantially altered list of companies as shown below.

MetLife now has the best price on car insurance in Buffalo, NY with Amica, Preferred Mutual, Erie, and New York Central Mutual now being in the top five. This example shows why it is crucial to shop around to get the lowest insurance rates for 18 year olds.

Insurance rates can be altered by many different factors and change frequently, so the cheapest option three years ago may now be wasting a lot of money.

The Buffalo car insurance agencies listed below can help you decide which coverages are best, since lots of people like to get some help when shopping for the best coverage for 18 year olds. It's not always simple to find the cheapest auto insurance company, and insurance agents can add peace of mind knowing you have sufficient coverage at claim time.

To find a Buffalo insurance agent closest to you, click the button at the bottom.

Joe Czaja - State Farm Insurance Agent
1021 Union Rd - Buffalo, NY 14224 - (716) 674-3654

Farmers Insurance - Toni Du Bois
2460 Main St - Buffalo, NY 14214 - (716) 931-5200

Lawley
361 Delaware Ave - Buffalo, NY 14202 - (716) 849-8618

GPA Insurance Inc
520 Lee Entrance # 120 - Buffalo, NY 14228 - (716) 681-1556

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