Kemper, Progressive and Chubb are the three cheapest car insurance companies in Buffalo. However, this depends on your unique driver profile and desired coverage level. We've broken down which company is most affordable for the common categories that can most affect your rates.
Cheapest Car Insurance in Buffalo, NY
Updated: December 13, 2024
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Key Takeaways
The cheapest car insurance companies in Buffalo are Kemper, Progressive, Chubb, GEICO and American Family.
The lowest car insurance rates in Buffalo are $39 per month for minimum coverage and $68 for full coverage.
The average cost of car insurance in Buffalo is $97 per month for minimum coverage and $167 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the New York Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Buffalo
| Kemper | Minimum Coverage | $39 |
| Kemper | Full Coverage | $68 |
| Kemper | Teens | $84 |
| Kemper | Young Adults | $47 |
| Kemper | Senior Drivers | $40 |
| Chubb | Drivers With Bad Credit | $82 |
| Progressive | Drivers With a Speeding Ticket | $44 |
| Progressive | Drivers With a DUI | $45 |
| Progressive | Drivers With an Accident | $43 |
| Kemper | Military Affiliated Drivers | $39 |
Cheapest Car Insurance Coverage in Buffalo
When searching for the cheapest car insurance in Buffalo, it's important to compare rates from various providers. Age, driving history, vehicle type and coverage needs all impact your premium. Remember, the cheapest car insurance in New York may not be the lowest in Buffalo. Comparing car insurance quotes ensures you get affordable coverage tailored to your needs.
Cheapest Minimum Coverage Car Insurance in Buffalo
Kemper offers the cheapest minimum coverage car insurance in Buffalo at $39 per month, followed by Progressive at $43. Check the table below for more providers offering competitive rates for minimum coverage in Buffalo.
| Kemper | $39 | $58 |
| Progressive | $43 | $54 |
| Chubb | $69 | $27 |
| GEICO | $74 | $22 |
| American Family | $88 | $9 |
| Erie | $94 | $2 |
| Allstate | $95 | $1 |
Cheapest Full Coverage Car Insurance in Buffalo
Kemper offers the most affordable full coverage car insurance in Buffalo at $812 per year. Check the table below to explore more providers offering great rates for full coverage.
| Kemper | $68 | $99 |
| Progressive | $69 | $97 |
| Chubb | $139 | $28 |
| GEICO | $143 | $24 |
| Erie | $150 | $17 |
| Allstate | $153 | $14 |
| American Family | $160 | $7 |
Cheapest Car Insurance in Buffalo by Age
In Buffalo, car insurance rates change with age. Young drivers pay more due to less experience. Over time, rates drop but may climb after age 70. Below, find the most affordable insurers for different age groups.
Cheapest Car Insurance in Buffalo for Teens
For teens in Buffalo, the cheapest car insurance is offered by Kemper and Progressive. Check the table below to find the lowest rates for your age group in the city.
| Kemper | $84 | $146 | $246 | $124 |
| Progressive | $145 | $84 | $217 | $153 |
Cheapest Car Insurance in Buffalo for Young Adults
Kemper offers the cheapest car insurance for young adults in Buffalo, with a yearly rate of $565. This is 58% less than the city's average cost. For more affordable options, consider Progressive, GEICO and Chubb.
| Kemper | $47 | $65 |
| Progressive | $47 | $65 |
| GEICO | $80 | $33 |
| Chubb | $89 | $23 |
| Allstate | $94 | $18 |
| American Family | $108 | $4 |
| Travelers | $112 | $0 |
Cheapest Car Insurance in Buffalo for Seniors
Buffalo's cheapest car insurance for seniors comes from Kemper at $477 per year. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Kemper | $40 | $62 |
| Progressive | $44 | $58 |
| Chubb | $60 | $42 |
| GEICO | $80 | $22 |
| Erie | $90 | $12 |
| American Family | $96 | $6 |
Cheapest Car Insurance in Buffalo for Drivers With Bad Credit
A low credit-based insurance score can lead to higher premiums compared to those with better scores. For cheap car insurance for drivers with bad credit, Chubb offers rates at $988 per year, while Kemper provides rates at $1,115 per year. Review the table below for more options from other providers.
| Chubb | $82 | $1,964 |
| Kemper | $93 | $1,954 |
| GEICO | $116 | $1,931 |
| Allstate | $175 | $1,871 |
| Travelers | $190 | $1,857 |
| Erie | $248 | $1,798 |
| State Farm | $271 | $1,775 |
| Mercury | $301 | $1,746 |
| Progressive | $460 | $1,587 |
| American Family | $484 | $1,563 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
If you have poor credit, you may lower your insurance costs by finding discounts, bundling different insurance policies and comparing personalized quotes from multiple companies. Taking extra steps to improve your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Buffalo After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums, with your driving record playing a key role. Violations like speeding tickets, accidents or DWIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Buffalo After a DUI
Buffalo drivers with a DWI can still find affordable car insurance options. Progressive offers the cheapest minimum coverage at an annual rate of $541. Check the table below to explore options from other providers and find the best rates for drivers with a DWI in Buffalo.
| Progressive | $45 | $97 |
| Kemper | $56 | $86 |
| American Family | $110 | $32 |
| Allstate | $123 | $19 |
| Travelers | $128 | $14 |
| State Farm | $138 | $4 |
Cheapest Car Insurance in Buffalo After an Accident
Progressive offers the most affordable minimum coverage car insurance in Buffalo for drivers with an at-fault accident, with an annual rate of $517. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| Progressive | $43 | $63 |
| Kemper | $56 | $50 |
| Chubb | $73 | $33 |
| GEICO | $86 | $20 |
| Erie | $94 | $12 |
| Allstate | $96 | $10 |
Cheapest Car Insurance in Buffalo After a Ticket
Progressive offers the most affordable car insurance for Buffalo drivers with a speeding record at $533 annually. Following closely, Kemper provides coverage at $580 per year. Check the table below to explore more options and find the best car insurance rates for your needs.
| Progressive | $44 | $63 |
| Kemper | $48 | $60 |
| Chubb | $77 | $31 |
| GEICO | $86 | $22 |
| American Family | $90 | $18 |
Cheapest Car Insurance in Buffalo for Military Drivers
Military drivers, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance. The cheapest car insurance providers for military drivers in Buffalo include Kemper with an annual rate of $463 and Progressive at $517 for minimum coverage.
| Kemper | $39 | $55 |
| Progressive | $43 | $51 |
| USAA | $65 | $29 |
| Chubb | $69 | $25 |
| GEICO | $74 | $20 |
| American Family | $88 | $6 |
How Much Does Car Insurance Cost in Buffalo?
Buffalo drivers pay about $2001 yearly for full coverage car insurance. State minimum coverage is less, averaging $1160 annually. These rates reflect a 40-year-old driver with a clean record and good credit, but your price may vary.
Buffalo Auto Insurance Cost by Driver Profile
See this summary of average auto insurance costs for different driver profiles. Compare to ensure you're paying a fair rate.
| Teen Drivers | No Data | $370 |
| Young Adults | $112 | $197 |
| Senior Drivers | $102 | $173 |
| Drivers With Bad Credit | $2,047 | $3,507 |
| Drivers With a Speeding Ticket | $108 | $188 |
| Drivers With a DUI | $142 | $249 |
| Drivers With an Accident | $106 | $183 |
| Military Affiliated Drivers | $94 | $163 |
How Expensive Is Car Insurance Buffalo?
Car insurance in Buffalo is more affordable than New York's average. Minimum coverage is 3% cheaper at around $97 per month, while full coverage costs about $167, saving you 7%. Both options offer savings for Buffalo residents seeking affordable plans.
Car Insurance Requirements in Buffalo
New York law mandates that all drivers must have minimum coverage auto insurance. This includes coverage for bodily injury and property damage that the policyholder may cause in an accident.
New York's minimum coverage limits are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person.
- $50,000 uninsured motorist bodily injury per accident.
- $50,000 personal injury protection (PIP) per person.
- $50,000 death liability per person.
- $100,000 death liability per accident.
An auto insurance policy offers financial protection from the costs that can arise from an accident. Liability coverage, in particular, handles expenses for damage or injuries caused to others if the policyholder is at fault.
For example, if a driver insured for the state minimum coverage in New York causes an accident that injures another person, the policy will cover up to $25,000 for that individual's medical expenses. However, if multiple people are injured, the policy will not pay more than $50,000 for the entire accident.
Cheapest Car Insurance in Buffalo: Bottom Line
Finding affordable car insurance in Buffalo takes a look at your age, driving record, and car type. Kemper and Progressive often have the best prices. But don't just pick the first option. Make sure to compare different quotes to get a great deal for your wallet.
Cheap Buffalo Car Insurance: FAQ
MoneyGeek provides answers to common questions about affordable car insurance in Buffalo. We help you find the best coverage for your needs, focusing on the cheapest options available. Explore our resources to make informed insurance choices.
What is the cheapest car insurance company in Buffalo, New York?
The cheapest car insurance company in Buffalo, New York, is typically Kemper, with average rates of $39 per month for minimum coverage and $68 per month for full coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Buffalo, New York?
The average cost of car insurance in Buffalo, New York, is around $167 per month for full coverage, while minimum coverage averages approximately $97 per month. These rates can vary depending on your specific circumstances.
Is car insurance in Buffalo, New York, expensive?
No, car insurance in Buffalo, New York, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Buffalo, NY
To help Buffalo drivers find the most affordable auto insurance companies, MoneyGeek analyzed Buffalo auto insurance rates based on data and information from the New York Department of Insurance and Quadrant Information Services.
Buffalo Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Buffalo with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Buffalo
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in New York are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.