Cheektowaga Car Insurance

Find the right car insurance policy for you.

Written by Emily Colosimo
Written by Emily Colosimo

Emily Colosimo is an insurance writer from She has been a writer since 2014 with a bachelor's degree in Public Relations. Emily has advanced her copywriting and SEO skills with prior work at multiple non-profit organizations around the world.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.


Home to over 88,000 people, Cheektowaga has grown into a large suburban city. If you drive in this suburb of Buffalo, it’s important to make sure that you have a relibale car insurance policy to protect yourself.

An independent insurance agent can help you find a reliable policy. They work with numerous insurers and can get you a competitive price with the coverage you want. Chat with an agent today to get started.

How Much Car Insurance Do You Need in Cheektowaga, NY?

As a driver in Cheektowaga, you’re required to carry a minimum amount of coverage for protection in case of a collision. The minimum liability coverage looks like:

  • Bodily injury: $25,000 per person/ $50,000 per accident
  • Property damage: $10,000 per accident

These liability policies will financially protect you if you damage property or injure someone involved in the accident. If a serious collision occurs, you may want to seek additional coverages, because once your policy has paid out, you’ll be responsible for the rest of the bill.

In Cheektowaga, you’re also required to have a basic personal injury protection policy with a $50,000 limit. This will cover injuries that you sustain from an accident, no matter who is to blame. Your medical bills such as physical therapy, rehabilitation, and your hospital stay will all be covered.

Do You Need Uninsured Motorist Coverage in Cheektowaga, NY?

In Cheektowaga, you must have uninsured motorist coverage. This will protect you if you are in an accident caused by a driver who does not have enough coverage to pay out to you.

  • National rate of uninsured motorists: 13.0%
  • New York rate of uninsured motorists: 6.1%

The good news is that the rate of uninsured drivers in the state is much lower than the national rate. With this coverage, you’ll be financially secure if you get into an accident with a driver who isn’t up to par with their insurance, or even if it’s a hit-and-run. Chat with an agent about making sure you have a reliable car insurance policy.


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Additional Coverage Options in Cheektowaga, NY

Along with purchasing the minimum coverage limits, you may also want to increase your protection by buying extra coverage.

  • New car replacement: If your car is two model years old or less and it gets totaled, this insurance will replace the car completely.
  • Gap insurance: If your car is totaled or stolen and you owe more than the car’s depreciated value, this coverage helps pay off your car loan.
  • Sound system insurance: If your car’s sound system is stolen or damaged (speakers, speaker components) this will replace it.
  • Roadside assistance: if you run out of gas, get a flat tire, or your car stalls on the side of the road, this insurance will cover the cost of help.

Talk with an independent agent to find out other additional car insurance options you have.

Vehicle Thefts in Cheektowaga, NY

The crime rate in Cheektowaga will impact your rate of car insurance. The more likely a crime is to occur, the higher your premium will cost.

  • National average vehicle theft rate per 100,000 vehicles: 228.9
  • New York average vehicle theft rate per 100,000 vehicles: 67.2
  • Cheektowaga, NY average vehicle theft rate per 100,000 vehicles: 112.0

Purchasing a comprehensive car insurance policy will protect you if your car is broken into or stolen. It’ll protect you against broken windows, and even damaged locks. An independent agent can help figure out the potential risks you face and make sure you are protected.

How Much Does Car Insurance Cost in Cheektowaga, NY?

Your rate will depend on specific factors about you, your driving history, and what type of car you have. Let’s take a look at the average rates:

  • National average cost per year: $1,311
  • New York average cost per year: $1,582

Before you purchase a car insurance policy, it’s a good idea to comparison shop to make sure you get a good deal. Luckily, an independent insurance agent can do this task for you. They’ll even help you find possible car discounts that you may qualify for, such as a multi-car policy, accident-free history, or even anti-theft devices installed in the car that can help you save money.

How Can You Find Affordable Car Insurance in Cheektowaga, NY?

It’s easy when you work with an independent insurance agent. They’ll help you find a reliable car insurance policy that meets your budget. Connect with an independent agent to get started.

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