Who Has the Cheapest Buffalo Auto Insurance for a 20 Year Old Female?

Deciding which companies offer the best insurance rates for 20 year old women calls for a bit more effort than just getting one or two price quotes. Each insurance company uses a different method for setting prices, so let’s examine the insurance companies with the most affordable rates in Buffalo, NY.

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Rankings for the cheapest New York auto insurance companies
Rank Company Cost Per Year
1 USAA $1,199
2 Erie $1,205
3 Progressive $1,496
4 Utica National $1,534
5 Travelers $1,559
6 Allstate $1,588
7 Amica $1,596
8 MetLife $1,636
9 Preferred Mutual $1,686
10 Safeco $1,888
11 New York Central Mutual $1,892
12 GEICO $1,926
13 Central Mutual $1,948
14 State Farm $1,962
15 Liberty Mutual $2,087
16 Hanover $2,393
17 Encompass $2,610
18 Nationwide $3,085
19 Mercury $3,926
20 21st Century $4,281
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USAA may offer some of the lowest car insurance rates in Buffalo at around $1,199 a year. Erie, Progressive, Utica National, and Travelers would also make the list of some of the lowest-priced Buffalo, NY car insurance companies.

In the above example, if you have coverage with Travelers and switched to Erie, you might achieve yearly savings of upwards of $354. Drivers with Allstate could save as much as $383 a year, and Amica customers might lower prices by up to $391 a year.

These estimates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for 20 year old women. So the insurer that can offer the best rates for your situation may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver and vehicle profiles.

One of the many things that are looked at to determine insurance cost is where you call home. Areas with high crime rates or more dense population tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.

The table below rates the highest-priced places in New York for 20 year old women in which to purchase auto insurance. Buffalo is ranked #13 with an annual rate of $1,533 for the average insurance policy, which is around $128 per month.

How much is car insurance in Buffalo?
Rank City Annual Premium
1 New York $2,735
2 Freeport $2,281
3 Hempstead $2,211
4 Levittown $2,001
5 Mount Vernon $1,997
6 Yonkers $1,920
7 Hicksville $1,900
8 West Babylon $1,875
9 Brentwood $1,872
10 Coram $1,766
11 New Rochelle $1,676
12 White Plains $1,661
13 Buffalo $1,533
14 Cheektowaga $1,240
15 West Seneca $1,237
16 Niagara Falls $1,189
17 Tonawanda $1,177
18 Utica $1,125
19 Troy $1,095
20 Syracuse $1,086
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Table data uses estimated as vehicle location can impact prices greatly.

Insurance company ratings

Choosing the right insurer is difficult considering how many choices you have in New York. The company rank data in the next section could help you select which car insurance providers you want to consider when shopping around. These rankings are only comprised of large nationwide companies, so companies that have a smaller presence are not included in the list.

Top 10 Major Auto Insurance Companies Overall in Buffalo

  1. The General
  2. Mercury Insurance
  3. The Hartford
  4. Progressive
  5. Travelers
  6. State Farm
  7. Farmers Insurance
  8. Erie Insurance
  9. Safeco Insurance
  10. USAA

Drive safe and save

A great way to get the most affordable insurance rates for young women is to drive carefully and avoid accidents and traffic citations. The diagram below illustrates how traffic citations and at-fault collisions drive up insurance costs for different age groups of insureds. The information is based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of a car insurance policy per year with no violations or accidents is $1,445. Add in one speeding ticket and the average cost swells to $1,636, an increase of $191 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of insurance for 20 year old women increases to an average of $2,174. That’s an increase of $728, or $61 per month, just for not driving attentively!

The importance of shopping around

New York insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay for coverage. Simply improving your credit, buying a different vehicle, or getting a DUI may prompt premium changes that can now make some companies more affordable than competitors. Additionally, insurance companies file new rates at least once a year to help ensure profitability. Higher than normal claims may cause higher rates, while profitable underwriting can cause cheaper Buffalo car insurance rates.

To illustrate this point, the chart below shows a variety of companies that have the cheapest car insurance in Buffalo, NY for a 40-year-old male driver with a clear driving record, no claims, and good credit. Based on his current rating profile, USAA might offer the cheapest car insurance rates in Buffalo at $2,034 per year. This is $41 less than the average rate paid by New York drivers of $2,075. Erie, Progressive, Travelers, and Utica National are the remaining best Buffalo, NY auto insurance companies.

Now we will pretend the driver from the first set of rates a chargeable claim, less-than-perfect credit, and a few traffic violations. Because each insurer uses a different method to establish rates, comparing rates will most likely result in a new list of affordable Buffalo car insurance companies as shown below.

Allstate now has the best car insurance rate in Buffalo, NY with MetLife, Erie, Preferred Mutual, and New York Central Mutual now rounding out the top five. This demonstrates why it is crucial to compare lots of rates when trying to get cheap insurance rates for 20 year old women.

Auto insurance prices are influenced by many different factors and can change substantially, so the best option when you last compared rates may now be one of the higher cost companies.