Who Has the Cheapest Buffalo Auto Insurance for Good Drivers?

The car, truck, or SUV on the policy is probably the largest consideration that determines the availability of low-priced auto insurance for good drivers. Vehicles with lots of speed or power, poor safety ratings, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models. The next table shows car insurance rates for some of the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure in Buffalo, NY
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,292
Jeep Wrangler Sport Islander Package 4WD 2-Dr $2,295
Toyota Prius $2,318
Ford Escape Limited 2WD $2,344
Toyota Corolla S $2,612
Jeep Grand Cherokee SRT-8 4WD $2,657
Chevrolet Silverado LT Regular Cab $2,664
Dodge Grand Caravan CV $2,660
Ford Explorer XLT 4WD $2,668
Honda Odyssey EX W/Rear Entertainment $2,664
Toyota Tacoma Double Cab 4WD $2,716
Chevrolet Equinox LT AWD $2,725
Toyota RAV4 4WD $2,716
Volkswagen Jetta LE 4-Dr Sedan $2,722
Chevrolet Impala LS $2,729
Chevrolet Malibu LS $2,791
Hyundai Sonata SE 4-Dr Sedan $2,799
Ford Focus SEL 4-Dr Sedan $2,810
Ford F-150 Lariat Crew Cab 2WD $2,853
Toyota Camry SE $2,863
Hyundai Elantra GLS 4-Dr Sedan $2,868
Ford Edge Sport AWD $2,863
Dodge Ram Quad Cab Sport 2WD $2,885
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific zip code location which can raise or lower insurance rates significantly.

Based upon the table data, we can presume that models like the Honda CR-V, Jeep Wrangler, Toyota Prius, Ford Escape, and Toyota Corolla are some of the most economical vehicles to insure for safe drivers.

Trying to buy budget car insurance is tough enough, and finding out which companies have the cheapest insurance rates for good drivers will require additional perseverance. Each auto insurance company uses a different method for establishing rates, so let’s take a look at the insurance companies with the most affordable rates in New York.

It’s a good idea to know that Buffalo, NY insurance rates are determined by lots of factors that control the cost of coverage. That is why it is so important to perform an extensive rate comparison to get the cheapest auto insurance rates for good drivers. Insurance prices can be determined by many things and can increase or decrease at any time, so the most affordable company two years ago may now not even be in the top five.

Find Cheaper Auto Insurance for Good Drivers

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New York car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,152
2 Erie $1,205
3 Progressive $1,496
4 Utica National $1,549
5 Travelers $1,559
6 Allstate $1,588
7 Amica $1,596
8 MetLife $1,636
9 Preferred Mutual $1,686
10 New York Central Mutual $1,874
11 GEICO $1,907
12 State Farm $1,924
13 Central Mutual $1,948
14 Safeco $1,966
15 Liberty Mutual $2,087
16 Hanover $2,369
17 Encompass $2,662
18 Nationwide $3,054
19 Mercury $3,809
20 21st Century $4,281
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USAA has some of the lowest car insurance rates in Buffalo at around $1,152 each year. Erie, Progressive, Utica National, and Travelers also make the cut as some of the most economical Buffalo, NY insurance companies.

In this example, if you currently have a policy with Utica National and switched to USAA, you may realize an annual premium reduction of roughly $397. Policyholders with Travelers may save as much as $407 a year, and Allstate insureds might reduce rates by $436 a year.

If you would like to find cheaper car insurance rates, click here to get quotes or feel free to get quotes from the companies below.

Understand that those estimates are averages across all drivers and vehicles in New York and and are not calculated with a specific vehicle garaging location for good drivers. So the insurer that can offer you the lowest price may not even be in the top 20 companies shown above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.

For safe drivers, one of the more important components that aid in calculating the amount you pay for auto insurance is where you normally keep your vehicle in Buffalo. Larger areas will most likely pay more, whereas areas that tend to be more rural have the benefit of cheaper car insurance.

The information below ranks the highest-priced areas in New York for good drivers to buy an auto insurance policy in. Buffalo ranks #13 with an annual premium of $1,533 for the average insured, which is about $128 each month.

How much is car insurance in Buffalo?
Rank City Premium Per Year
1 New York $2,735
2 Hempstead $2,301
3 Freeport $2,281
4 Levittown $2,061
5 Mount Vernon $1,997
6 Yonkers $1,978
7 Hicksville $1,919
8 Brentwood $1,910
9 West Babylon $1,875
10 Coram $1,714
11 New Rochelle $1,659
12 White Plains $1,629
13 Buffalo $1,533
14 Cheektowaga $1,216
15 Tonawanda $1,213
16 Niagara Falls $1,201
17 West Seneca $1,189
18 Utica $1,125
19 Syracuse $1,086
20 Troy $1,063
21 Schenectady $1,051
22 Albany $1,036
23 Rochester $1,036
24 Irondequoit $991
25 Binghamton $912
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Premium costs are approximated as the specific garaging location can lower or raise coverage prices substantially.

Get discount Buffalo insurance rates

Cheaper Buffalo, NY insurance for safe driversAuto insurance companies that provide coverage for good drivers may provide rate discounts that may potentially lower prices by as much as 30% if you are eligible for them. Companies and their offered discounts can be read below.

The example below shows the comparison of car insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims, a clean driving record, New York state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, passive restraint, safe-driver, claim-free, homeowner, and multiple vehicle discounts applied. With discounts applied, theaverage amount saved on insurance for good drivers is 28% or $443.

Safe drivers pay cheaper rates

The best way to obtain good insurance rates in New York for safe drivers is to drive safe and avoid tickets and accidents. The information below highlights how speeding tickets and at-fault fender-benders increase car insurance costs for different categories of driver ages. The data is based on a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of a car insurance policy in New York per year with no accidents or violations is $1,605. Get written up for two speeding tickets and the average cost rises to $2,162, an increase of $557 each year. Next add one accident along with the two speeding tickets and the yearly cost of insurance for good drivers goes up to an average of $2,722. That’s an increase of $1,117, or $93 per month, just for not keeping your driving record clean!

Here’s why price comparisons are so important

Buffalo, NY insurance rates are impacted by many factors that can increase your annual premium. Simply turning a year older, having a teen driver, or getting a driving violation can trigger price changes resulting in some companies being more affordable than others.

In addition to those changes, auto insurance companies modify rates without warning as an adjustment for underwriting gains or losses. Heavy losses can cause rate hikes, while a lower level of claims may produce cheaper Buffalo car insurance rates.

The graph below shows rates for the cheapest car insurance in Buffalo, NY for a 40-year-old male driver with a clear driving record, no claims, and a decent credit rating. Based on his current risk factors, USAA has the cheapest car insurance rates in Buffalo at $1,896 annually. This is $179 less than the average premium paid by New York drivers of $2,075. Erie, Progressive, Utica National, and Travelers are the remainder of the best Buffalo, NY auto insurance companies.

The example below compares rates after we give the driver in the first chart an at-fault accident, poor credit, and a couple of points charged on his driving record. Due to the fact that every auto insurer has a different formula to establish rates, comparing prices most likely will result in a substantially altered list of the cheapest Buffalo car insurance companies as shown below.

Allstate now has the best insurance rate in Buffalo, NY with MetLife, Erie, Preferred Mutual, and USAA also having competitive pricing. This example demonstrates why Buffalo drivers need to compare rates to get the best auto insurance quotes for good drivers. Auto insurance prices are influenced by many different factors and can decrease or increase without notice, so the cheapest rate two years ago may now cost much more than other companies.

If you aren’t sure which coverage you need and prefer to get some guidance when shopping for cheaper insurance for safe drivers, the professional agents shown below are willing to help you determine which is the best policy.

To find an agent using an interactive map, click the button at the bottom of the list.

Linda’s Able Agency
2564 Bailey AveBuffalo, NY 14215(716) 896-3366

Dan Schmidt – State Farm Insurance Agent
615 Elmwood AveBuffalo, NY 14222(716) 783-9460

The Cesar Group Inc
354 Cayuga RdBuffalo, NY 14225(716) 626-0066

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

361 Delaware AveBuffalo, NY 14202(716) 849-8618

More insurance agents in Buffalo, NY

Ideas to find economical insurance for good drivers

Below you’ll find a few money-saving solutions that can help you locate more affordable coverage.

That last tip is extremely critical, as we hit on in the prior information. Rates change constantly, so drivers shouldn’t be reluctant to switch to a new company if a better deal can be had.

Loyalty to a specific company is fine, but it isn’t a good idea if that loyalty ends up costing money that could be going to better use. It takes less than five minutes to compare rates to find cheaper auto insurance for good drivers in Buffalo.