Who Has the Cheapest Auto Insurance for Low Mileage Drivers in Buffalo?

One of the more important components that help determine the cost of insurance is where your car is garaged in Buffalo. Larger areas are more likely to pay higher prices, whereas areas with less crime or weather claims get the luxury of paying less.

The next table shows the most expensive areas in New York for low mileage drivers to buy an auto insurance policy in. Buffalo makes the list at #13 with the yearly price of $1,503 on average, which is about $125 each month.

How much does car insurance cost in Buffalo, NY?
Rank City Average Per Year
1 New York $2,654
2 Freeport $2,303
3 Hempstead $2,211
4 Levittown $2,041
5 Yonkers $1,978
6 Mount Vernon $1,919
7 West Babylon $1,913
8 Brentwood $1,910
9 Hicksville $1,900
10 Coram $1,766
11 New Rochelle $1,676
12 White Plains $1,629
13 Buffalo $1,503
14 West Seneca $1,237
15 Niagara Falls $1,237
16 Cheektowaga $1,216
17 Tonawanda $1,201
18 Utica $1,103
19 Troy $1,095
20 Syracuse $1,086
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Premium amounts are comparative as the vehicle garaging location can affect insurance rates considerably.

Figuring out which company quotes the most affordable insurance rates for low mileage drivers will take a little more effort than just comparing a company or two. Every auto insurer uses different criteria for determining rates in each state, so we will examine the insurance companies with the overall cheapest rates in Buffalo.

Keep in mind that Buffalo, NY insurance rates are influenced by many factors that may substantially change the cost of a policy. Simply getting older, buying a different home, or having an accident can trigger rate changes resulting in some rates now being cheaper than others.

Lowest Insurance Price Quotes in New York

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USAA generally has some of the lowest car insurance rates in Buffalo at around $1,163 each year. This is $912 less than the average policy premium paid by New York drivers of $2,075. Erie, Utica National, Progressive, and Travelers also qualify as some of the cheapest Buffalo, NY car insurance companies.

As illustrated above, if you are insured with Progressive and switched to Erie, you could see savings of approximately $294. Policyholders with Travelers may save as much as $311 a year, and Allstate policyholders might reduce prices by as much as $338 a year.

To find the cheapest coverage for you, click here to begin a quote or click several companies below for low rates.

It’s important to note that these prices are averaged across all insureds and vehicles and do not take into consideration a vehicle location for low mileage drivers. So the car insurance company that fits you best may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own driver and vehicle profiles.

Bad driving habits will cost you more

One of the best ways to receive cheap insurance prices in New York for infrequent drivers is to be a cautious driver and avoid tickets and accidents. The example below demonstrates how citations and at-fault accidents can influence insurance prices for different age groups of insureds. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of an auto insurance policy in Buffalo per year with no accidents or violations is $1,178. Receive two speeding tickets and the average cost surges to $1,674, an increase of $497 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for low mileage drivers jumps again to an average of $2,170. That’s an increase of $992, or $83 per month, just for not driving safely!

The chart below shows how different deductible levels can raise or lower insurance prices when quoting cheap insurance for low mileage drivers. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

The data above shows that a 30-year-old driver could cut expenses by $242 a year by switching from a $100 deductible to a $500 deductible, or save $364 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could possibly save up to $532 every year by using higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have plenty of savings on hand to offset the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

The benefits of price comparisons

Buffalo, NY insurance rates are impacted by many things which can substantially decrease or increase the price of coverage. Simply turning a year older, moving across town, or getting into an accident can produce rate changes that may make certain companies affordable when they were higher priced.

Not only that, but insurance companies change the rates they charge in New York without warning in order to be able to pay unexpected claims. A period of higher than normal claims may cause higher priced premiums, while profitable underwriting can produce cheaper Buffalo car insurance rates.

To help illustrate this point, the chart below shows the company with the cheapest car insurance in Buffalo, NY for a 35-year-old female driver with no violations or accidents, and solid credit. If we estimate prices based on her current risk profile, USAA has the best car insurance rates in Buffalo at $1,955 per year. This is $120 less than the average premium paid by New York drivers of $2,075. Erie, Utica National, Progressive, and Travelers are the rest of the best Buffalo, NY auto insurance companies.

Now let’s give the driver in the first chart a claim, a lower credit rating, and an imperfect driving record. Due to the fact that every auto insurer uses a different method for determining rates, comparing quotes may now show a new list of the cheapest Buffalo car insurance companies as shown below.

Allstate now has the best insurance rate in Buffalo, NY with MetLife, Preferred Mutual, Erie, and GEICO now being in the top five. This example shows why drivers need to do a thorough rate comparison when trying to get the best car insurance quotes for low mileage drivers.

Rates are determined by many risk factors and can change without notice, so the most affordable company a year ago may now be quite expensive.

The insurance agents in Buffalo listed below are a good start to help you make a decision which coverages and limits you need, since some drivers aren’t sure which coverage they need and prefer to get some guidance when comparing insurance rates for infrequent drivers. It’s not always easy to find the best coverage yourself, and a professional agent can bring satisfaction knowing your policy gives you enough coverage if you have a claim. To locate a Buffalo auto insurance agent close to you, click the button at the bottom of the list or click here to compare rates now.

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