Buffalo Car Insurance

Find the right car insurance policy for you.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.


Buffalo is the second-largest city in New York and is a major gateway for commerce and travel between the U.S. and Canada. Like other Rust Belt cities, Buffalo has experienced serious economic decline. Redevelopment of the city’s dwindling economy and crumbling infrastructure has improved the outlook for Buffalo in recent years. 

But Buffalo is also plagued with nearly 112 inches of snow each winter on average, making it one of the snowiest cities in the U.S. Buffalo residents are experienced when it comes to driving in snow. But that doesn’t mean accidents won’t happen. If you drive in Buffalo, car insurance is essential to protect you from the financial consequences of an accident.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.


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Cost of Car Insurance in Buffalo 

Did You know? The average cost of Buffalo car insurance is $293 per month. 

That might seem high, but everyone’s rates are a little different. Your Buffalo car insurance cost is based on things like what type of car you drive, where you live and how far you drive to work or school every day.

If you are paying more than most, it might be because you drive an expensive car or have a long daily commute.

If you think you are paying too much for your Buffalo auto policy, it never hurts to shop around. A local independent insurance agent can get quotes from multiple insurance companies so you can find the most affordable coverage.

Buffalo Car Insurance Requirements

A Buffalo car insurance policy can help you pay for vehicle damage and medical bills for others if you cause an accident. While the state of New York requires certain minimum coverage amounts, you need to have enough coverage to be sure you are fully protected if you are in an accident.

Here are a few ways a Buffalo comprehensive auto policy can protect you after a crash:

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $10,000 required
  • Personal Injury Protection (PIP): $50,000 required

Who Pays If The Accident Wasn’t My Fault?

The driver who caused the accident, of course. Approximately How 6.1 % of New York drivers are uninsured. If you are in an accident with an uninsured driver, you have to pay for all of your own car damage and medical expenses.

That’s why it’s so important for Buffalo drivers to purchase “uninsured motorist coverage.” It will pay to fix your vehicle and pay your medical bills when you cannot collect from an uninsured driver.

Some states require all drivers to purchase uninsured motorist coverage. New York has a very low percentage of uninsured drivers, but if you own a car in New York, you must purchase uninsured motorist coverage.

What Affects The Cost of Buffalo Car Insurance?

Your insurance company determines your car insurance rates by evaluating how risky you are as a driver. They look at certain individual risk factors to help predict how likely you are to get into an accident or file a costly claim.

These factors include the following:

  • Your age
  • Your gender
  • Your ZIP code
  • Your history of accidents and filing car insurance claims
  • Your car
  • The number of drivers in your household

If you have certain risk factors, such as being young or having an expensive car, you will pay more for Buffalo car insurance.

Fortunately, many insurance companies offer numerous discounts to help make your policy more affordable. Your Trusted Choice agent can tell you how to maximize the discounts that you are eligible for.

Here are some city factors that will affect your rate:

Commute Time

It’s simple: The more time you spend on the road, the more likely it is that you'll be in an accident.

The longer your commute time, the more you might pay for car insurance. Buffalo drivers have commute times that are close to the national average.

  • National average: 25.4 minutes
  • Buffalo average: 21.9 minutes

Number of Auto Thefts in Buffalo

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Buffalo: 3.81 

The car theft rate in Buffalo is higher than in the U.S., overall. For this reason, car insurance might cost more in Buffalo than in other cities.

No matter where you live, car insurance is important. It protects you from the financial consequences of vehicle theft. Without insurance, could you afford to replace a stolen car?

If you are a victim of auto theft, report it to the police and your insurance agent. Your Buffalo car insurance can reimburse you quickly and minimize your worry.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Find Affordable Car Insurance in Buffalo

Trusted Choice Independent Insurance Agents aren't tied down to one carrier. They can get quotes from numerous insurance companies, so you have a variety of affordable options.

Our local agents will assess your risks and answer your questions. With the right auto insurance coverage, you can sleep easy knowing that you and your family are protected.

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