Buffalo New York Car Insurance – 2025 Rates + Cheapest to Insure

What does car insurance cost in Buffalo, New York? Get ready to find out as we break down rates for over 150 models to find us some cheap Buffalo auto insurance rates!

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  • Buffalo car insurance cost averages $2,538 per year for a full coverage insurance policy.
  • Buffalo car insurance costs $214 per year less than the New York state average and $317 per year more than the average rate for all 50 states.
  • Monthly auto insurance rates for a few popular vehicles in Buffalo include the Nissan Rogue at $190, Jeep Wrangler at $242, and Hyundai Elantra at $230.
  • For cheap auto insurance in Buffalo, New York, vehicles like the Buick Envision, the Kia Soul, and the Mazda CX-5 have some of the best rates.
  • Models with segment-leading auto insurance rates in Buffalo include the Toyota GR Corolla ($2,204 per year), Acura Integra ($2,254 per year), Mercedes-Benz CLA250 ($2,610 per year), and Kia K5 ($2,444 per year).
  • Car insurance quotes in Buffalo can range from as little as $27 per month for minimum liability limits to over $686 per month for high-risk drivers.

What is average car insurance cost in Buffalo?

The average car insurance cost in Buffalo is $2,538 per year, or about $212 per month for full coverage auto insurance. It costs 13.3% more to insure the average vehicle in Buffalo than the U.S. overall average rate of $2,221.

Average car insurance cost in New York is $2,752 per year, so Buffalo, New York, drivers pay an average of $214 less per year than the overall New York state-wide average rate. When compared to other cities in New York, the average cost of auto insurance in Buffalo is around $390 per year more than in Rochester, $1,266 per year cheaper than in New York City, and $274 per year more than in Syracuse.

Driver age is the largest factor that influences the cost of car insurance, so the list below illustrates these differences by breaking out average car insurance rates based on the age of the driver.

Average car insurance cost for Buffalo, NY, drivers age 16 to 60

  • 16-year-old driver – $9,038 per year or $753 per month
  • 17-year-old driver – $8,757 per year or $730 per month
  • 18-year-old driver – $7,847 per year or $654 per month
  • 19-year-old driver – $7,144 per year or $595 per month
  • 20-year-old driver – $5,108 per year or $426 per month
  • 30-year-old driver – $2,708 per year or $226 per month
  • 40-year-old driver – $2,538 per year or $212 per month
  • 50-year-old driver – $2,248 per year or $187 per month
  • 60-year-old driver – $2,104 per year or $175 per month

The next chart summarizes average car insurance cost in Buffalo broken out for a range of driver ages, policy deductibles, and driver risk scenarios. Rates are averaged for all 2024 vehicle models including luxury brands.

Average car insurance rates in Buffalo for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Buffalo for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Buffalo includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Buffalo, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,838$487
Safe Driver Age 20$5,108$426
At-fault Accidents Age 40$3,594$300
Low Deductibles Age 40$3,320$277
Safe Driver Age 30$2,708$226
Safe Driver Age 40$2,538$212
Safe Driver Age 50$2,248$187
High Deductibles Age 40$2,136$178
Discount Rate Age 40$2,108$176
Safe Driver Age 60$2,104$175

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

In the chart above, the cost of auto insurance in Buffalo ranges from $2,108 per year for a 40-year-old driver who meets many discount requirements to $5,838 per year for a 30-year-old driver who has a subpar driving record and has to buy high risk car insurance. From a monthly standpoint, the average cost in the chart above ranges from $176 to $487 per month.

Auto insurance rates are different for every driver and can change frequently. This large rate variability stresses the need to get accurate car insurance quotes when shopping around for a cheaper policy.

The auto insurance costs referenced previously take the cost to insure each 2024 vehicle model and average them, which is suitable for making generalized comparisons such as the cost difference between two locations.

For more complete car insurance cost comparisons, however, we need to do a rate analysis for the specific vehicle being insured. In the next few article sections, we compare lots of rates for specific makes and models of vehicles, but for now, let’s just take a high-level look at the most common vehicles to discover how auto insurance rates measure up in Buffalo.

The list below breaks down average annual and monthly auto insurance cost for the more popular vehicles on the road in Buffalo. Later on in this article, we explore additional situations that affect the cost of insuring some of these models in more detail.

Auto insurance rates for popular vehicles in Buffalo

Popular vehicles in Buffalo tend to be compact and midsize sedans like the Toyota Corolla, Nissan Sentra, and Honda Accord and small or midsize SUVs like the Honda CR-V, Chevy Equinox, and Jeep Grand Cherokee.

Other popular vehicles from other segments include luxury SUVs like the Cadillac XT5, BMW X5, and Lexus RX 350, luxury cars like the Acura ILX, Tesla Model S, and BMW 530i, and pickup trucks like the Chevy Silverado, Ram 1500, and Ford Ranger.

We will get into more rates in the upcoming sections, but before we get into that data, let’s look at some of the ideas that we covered in the earlier charts and data.

  • Buffalo, NY, car insurance costs more than the U.S. average – $2,538 (Buffalo average) versus $2,221 (U.S. average)
  • Auto insurance rates decrease considerably in your twenties – The average 30-year-old Buffalo, NY, driver will pay $2,400 less annually than a 20-year-old driver, $2,708 compared to $5,108.
  • Insurance for a teenager is expensive in Buffalo – Average cost ranges from $6,046 to $9,038 per year for car insurance for teens in Buffalo.
  • Cost per month ranges from $175 to $753 – That is the average auto insurance cost range for drivers from age 16 to 60 in Buffalo.
  • Auto insurance gets cheaper the older you are – Auto insurance rates for a 50-year-old driver in Buffalo are $2,860 per year cheaper than for a 20-year-old driver.
  • Teenage female drivers pay less than teen males – Teenage females age 16 to 19 pay $1,098 to $592 less per year than male drivers of the same age.

In Buffalo, which vehicles are cheapest to insure?

When rates are compared for all vehicles, the models with the cheapest auto insurance quotes in Buffalo, NY, tend to be crossovers and small SUVs like the Kia Soul, Subaru Crosstrek, and Hyundai Venue.

Average auto insurance rates for those compact SUVs cost $172 or less per month for full coverage.

Some additional vehicles that have low-cost car insurance prices in our auto insurance price comparison are the Buick Encore, Buick Envista, Volkswagen Taos, and Ford Bronco Sport.

Average car insurance rates are a few dollars per month higher for those models than the small SUVs and crossovers at the top of the list, but they still have average rates of $2,208 or less per year.

The next table details the top 20 cheapest vehicles to insure in Buffalo, sorted by average cost.

Top 20 Cheapest Cars, Trucks, and SUVs to Insure in Buffalo
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,874$156
2Chevrolet Trailblazer$1,906$159
3Kia Soul$1,980$165
4Nissan Kicks$1,998$167
5Honda Passport$2,020$168
6Buick Envision$2,032$169
7Toyota Corolla Cross$2,044$170
8Hyundai Venue$2,060$172
9Mazda CX-5$2,068$172
10Ford Bronco Sport$2,076$173
11Volkswagen Tiguan$2,100$175
12Acura RDX$2,120$177
13Nissan Murano$2,128$177
14Buick Encore$2,152$179
15Honda CR-V$2,160$180
16Subaru Outback$2,162$180
17Buick Envista$2,170$181
18Volkswagen Taos$2,172$181
19Kia Niro$2,182$182
20Toyota GR Corolla$2,204$184

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Buffalo, NY Zip Codes. Updated June 27, 2025

Top 20 cheapest vehicles to insure in Buffalo, NY with the Subaru Crosstrek ranking first at $1,874 per year
Top 20 cheapest vehicles to insure in Buffalo, NY with the Subaru Crosstrek ranking first at $1,874 per year

The table above that contains 20 vehicle rankings is not really the best way to show an overall view of the cost of car insurance in Buffalo. A more efficient way to analyze car insurance rates for more vehicles in an organized fashion is by organizing them by the segment they belong to.

The next section talks about the cost of auto insurance based on automotive segment. The rates shown should provide a good foundation of which automotive segments have the best average car insurance rates. The subsequent sections break out and rank the top 20 cheapest models in each automotive segment.

Buffalo car insurance rates by vehicle segment

If you’re shopping for a new or used vehicle, it’s a good idea to know which styles of vehicles have better auto insurance rates. To illustrate this, many people wonder if compact SUVs are more affordable to insure than midsize SUVs or if luxury cars or SUVs have more expensive car insurance than non-luxury models.

The next chart displays average auto insurance rates by segment in Buffalo. From a segment comparison perspective, compact SUVs, midsize trucks, and minivans tend to have the cheapest average rates, with high-performance exotic models having the highest auto insurance rates.

Car insurance average cost by automotive segment in Buffalo, NY.
Figure 2: Car insurance average cost by automotive segment in Buffalo, NY. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Buffalo Zip Codes.

Car Insurance Rates by Automotive Segment in Buffalo, NY
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,330$194
Midsize SUV$2,504$209
Compact Car$2,508$209
Minivan$2,510$209
Midsize Pickup$2,562$214
Midsize Car$2,586$216
Compact Luxury SUV$2,752$229
Compact Luxury Car$2,790$233
Large SUV$2,800$233
Half-ton Pickup$2,814$235
Heavy Duty Pickup$2,918$243
Midsize Luxury SUV$3,014$251
Midsize Luxury Car$3,110$259
Sports Car$3,490$291
Large Car$3,650$304
Large Luxury SUV$3,926$327
Large Luxury Car$4,058$338

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Buffalo, NY Zip Codes. Updated June 26, 2025

Average rates for different segments are sufficient for getting an initial comparison, but cost ranges substantially within each vehicle category displayed above.

For example, in the midsize luxury car segment, Buffalo car insurance rates range from the Mercedes-Benz CLA250 at $2,610 per year for full coverage insurance to the BMW M8 at $4,274 per year. For another example, in the large luxury SUV segment, the average cost of insurance ranges from the Infiniti QX80 at $2,842 per year up to the Mercedes-Benz G63 AMG at $5,454 per year, a difference of $2,612 within that segment.

In the next parts of this article, we eliminate much of the variability by comparing the cost of auto insurance in Buffalo on a model level.

Cheapest car insurance rates in Buffalo

Ranking in the top five for the most affordable Buffalo auto insurance rates in the non-luxury sedan or hatchback segment are the Honda Civic, Nissan Leaf, Nissan Sentra, Toyota GR Corolla, and Subaru Impreza. Auto insurance quotes for these 2024 models average $194 or less per month.

Also ranking well are cars like the Toyota Corolla, Chevrolet Malibu, Toyota Prius, and Kia K5, with average annual insurance rates of $2,472 per year or less.

In the bottom half of the top 20, cars like the Hyundai Sonata, Nissan Versa, Volkswagen Arteon, Volkswagen Jetta, and Subaru Legacy cost between $2,472 and $2,622 per year for auto insurance.

Full-coverage insurance in this segment can cost as low as $184 per month, depending on your location and insurance company.

The rate comparison table below ranks the twenty cars with the lowest-cost average car insurance rates in Buffalo.

Cheapest Cars to Insure in Buffalo, New York
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,204$184
Nissan LeafCompact$2,222$185
Honda CivicCompact$2,244$187
Nissan SentraCompact$2,324$194
Subaru ImprezaCompact$2,332$194
Toyota PriusCompact$2,370$198
Kia K5Midsize$2,444$204
Honda AccordMidsize$2,450$204
Chevrolet MalibuMidsize$2,460$205
Toyota CorollaCompact$2,472$206
Kia ForteCompact$2,476$206
Volkswagen ArteonMidsize$2,492$208
Nissan VersaCompact$2,500$208
Subaru LegacyMidsize$2,502$209
Hyundai Ioniq 6Midsize$2,522$210
Mitsubishi Mirage G4Compact$2,562$214
Volkswagen JettaCompact$2,564$214
Toyota CrownMidsize$2,566$214
Hyundai SonataMidsize$2,574$215
Mazda 3Compact$2,622$219

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Buffalo, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Buffalo, NY, with the Toyota GR Corolla ranking first at $2,204 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Buffalo, NY, with the Toyota GR Corolla ranking first at $2,204 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Buffalo car insurance quotes from top companies in New York.

Cheapest SUV insurance rates in Buffalo, New York

The cheapest SUVs to insure in Buffalo are the Subaru Crosstrek at $1,874 per year, the Chevrolet Trailblazer at $1,906 per year, and the Kia Soul at $1,980 per year.

Not the cheapest SUVs to insure, but still affordable, are SUVs like the Hyundai Venue, Toyota Corolla Cross, Buick Envision, and Mazda CX-5, with average rates of $2,076 per year or less.

Full-coverage auto insurance for this segment in Buffalo for an average middle-age driver will start around $156 per month, depending on where you live and the company you use.

The most budget-friendly non-luxury compact SUV to insure in Buffalo is the Subaru Crosstrek at $1,874 per year. For midsize models, the Honda Passport is the cheapest model to insure at $2,020 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $2,380 per year.

The rate comparison table below ranks the SUVs with the lowest-cost auto insurance rates in Buffalo, starting with the Subaru Crosstrek at $1,874 per year and ending with the Subaru Ascent at $2,206 per year.

Cheapest SUVs to Insure in Buffalo, New York
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,874$156
Chevrolet TrailblazerCompact$1,906$159
Kia SoulCompact$1,980$165
Nissan KicksCompact$1,998$167
Honda PassportMidsize$2,020$168
Buick EnvisionCompact$2,032$169
Toyota Corolla CrossCompact$2,044$170
Hyundai VenueCompact$2,060$172
Mazda CX-5Compact$2,068$172
Ford Bronco SportCompact$2,076$173
Volkswagen TiguanCompact$2,100$175
Nissan MuranoMidsize$2,128$177
Buick EncoreCompact$2,152$179
Honda CR-VCompact$2,160$180
Subaru OutbackMidsize$2,162$180
Buick EnvistaMidsize$2,170$181
Volkswagen TaosCompact$2,172$181
Kia NiroCompact$2,182$182
Subaru AscentMidsize$2,206$184
Honda HR-VCompact$2,208$184

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Buffalo, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Buffalo, NY, with the Subaru Crosstrek ranking first at $1,874 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Buffalo, NY, with the Subaru Crosstrek ranking first at $1,874 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see insurance rates for your SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in New York.

Cheapest luxury car insurance rates in Buffalo

Ranking #1 in Buffalo for the lowest-cost average insurance in the luxury sedan segment is the Acura Integra, at an average of $2,254 per year. Second place is the BMW 330i at $2,580 per year, and coming in third is the Mercedes-Benz CLA250, at an average of $2,610 per year.

Not the cheapest, but still in the top 10, are models like the Mercedes-Benz AMG CLA35, Cadillac CT4, Lexus RC 300, and Lexus ES 350, with an average car insurance cost of $2,666 per year or less.

Car insurance rates in Buffalo for this segment for an average middle-age driver starts at around $188 per month, depending on the company and where you live.

The next table ranks the twenty cars with the cheapest average insurance rates in Buffalo, starting with the Acura Integra at $188 per month and ending with the Audi S3 at $237 per month.

Cheapest Luxury Cars to Insure in Buffalo, New York
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,254$188
BMW 330iCompact$2,580$215
Mercedes-Benz CLA250Midsize$2,610$218
Lexus IS 300Midsize$2,614$218
Acura TLXCompact$2,624$219
Lexus ES 350Midsize$2,646$221
Cadillac CT4Compact$2,648$221
Genesis G70Compact$2,654$221
Mercedes-Benz AMG CLA35Midsize$2,660$222
Lexus RC 300Midsize$2,666$222
Lexus IS 350Compact$2,678$223
Jaguar XFMidsize$2,682$224
Cadillac CT5Midsize$2,734$228
Lexus ES 250Midsize$2,742$229
Lexus RC 350Compact$2,750$229
BMW 330eCompact$2,754$230
BMW 228iCompact$2,760$230
BMW 230iCompact$2,780$232
Lexus ES 300hMidsize$2,786$232
Audi S3Compact$2,842$237

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Buffalo, NY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Buffalo, NY, with the Acura Integra ranking first at $2,254 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Buffalo, NY, with the Acura Integra ranking first at $2,254 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see your luxury car in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Buffalo car insurance quotes from top companies in New York.

Cheapest luxury SUV insurance rates in Buffalo

Ranking #1 in Buffalo for cheapest average insurance in the luxury SUV segment is the Acura RDX, costing an average of $2,120 per year. Second place is the Lexus NX 250 at $2,244 per year, the third most affordable is the Cadillac XT4, costing an average of $2,288 per year, and the fourth cheapest is the Jaguar E-Pace, costing an average of $2,372 per year.

Other models that rank well in our comparison include the Lexus NX 350h, Lexus NX 450h, Lincoln Corsair, and Mercedes-Benz GLB 250, with an average cost of $2,446 per year or less.

From a monthly standpoint, full-coverage auto insurance on this segment in Buffalo starts at around $177 per month, depending on your location.

The table below ranks the twenty SUVs with the cheapest insurance rates in Buffalo, starting with the Acura RDX at $2,120 per year ($177 per month) and ending with the Lexus RX 350 at $2,546 per year ($212 per month).

Cheapest Luxury SUVs to Insure in Buffalo, New York
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,120$177
Lexus NX 250Compact$2,244$187
Cadillac XT4Compact$2,288$191
Jaguar E-PaceMidsize$2,372$198
Cadillac XT5Midsize$2,392$199
Lexus NX 350hCompact$2,392$199
Lincoln CorsairCompact$2,422$202
Mercedes-Benz GLB 250Compact$2,428$202
Lexus UX 250hCompact$2,432$203
Lexus NX 450hCompact$2,446$204
Infiniti QX50Midsize$2,466$206
Mercedes-Benz GLA250Compact$2,472$206
Mercedes-Benz GLA35 AMGCompact$2,480$207
Cadillac XT6Midsize$2,482$207
Infiniti QX60Midsize$2,494$208
Mercedes-Benz AMG GLB35Midsize$2,498$208
Land Rover EvoqueCompact$2,530$211
Acura MDXMidsize$2,534$211
Lexus NX 350Compact$2,544$212
Lexus RX 350Midsize$2,546$212

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Buffalo, NY Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Buffalo, NY, with the Acura RDX ranking first at $2,120 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Buffalo, NY, with the Acura RDX ranking first at $2,120 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Need rates for a different luxury SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in New York.

Cheapest sports car insurance rates in Buffalo, New York

The top-ranked vehicle in Buffalo for the lowest-cost average insurance in the sports car segment is the Mazda MX-5 Miata, costing $2,346 per year. Second place is the Toyota GR86 costing $2,672 per year, ranking third is the Ford Mustang, costing an average of $2,790 per year, and fourth place goes to the BMW Z4, costing an average of $2,802 per year.

Not the cheapest, but still very affordable, are cars like the BMW M2, Toyota GR Supra, Subaru BRZ, and Nissan Z, with average annual insurance rates of $3,034 per year or less.

Full-coverage auto insurance in Buffalo for this segment starts at around $196 per month, depending on the company and your location.

The next table ranks the twenty sports cars with the most affordable car insurance in Buffalo, starting with the Mazda MX-5 Miata at $196 per month and ending with the Porsche Taycan at $358 per month.

Cheapest Sports Cars to Insure in Buffalo, New York
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,346$196
Toyota GR86Sports Car$2,672$223
Ford MustangSports Car$2,790$233
BMW Z4Sports Car$2,802$234
Subaru WRXSports Car$2,844$237
Toyota GR SupraSports Car$2,850$238
BMW M2Sports Car$2,934$245
Nissan ZSports Car$2,940$245
Lexus RC FSports Car$2,998$250
Subaru BRZSports Car$3,034$253
BMW M3Sports Car$3,204$267
Porsche 718Sports Car$3,266$272
Chevrolet CamaroSports Car$3,296$275
Chevrolet CorvetteSports Car$3,516$293
Porsche 911Sports Car$3,634$303
BMW M4Sports Car$3,788$316
Lexus LC 500Sports Car$3,806$317
Jaguar F-TypeSports Car$4,002$334
Mercedes-Benz AMG GT53Sports Car$4,198$350
Porsche TaycanSports Car$4,298$358

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Buffalo, NY Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Buffalo, NY, with the Mazda MX-5 Miata ranking first at $2,346 per year.
Ranking of the cheapest sports cars to insure in Buffalo, NY, with the Mazda MX-5 Miata ranking first at $2,346 per year.

Don’t see your sports car in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in New York.

Cheapest pickup trucks to insure in Buffalo, New York

Ranking at the top for the lowest-cost Buffalo auto insurance rates in the pickup segment are the Chevrolet Colorado, Ford Ranger, Ford Maverick, Nissan Frontier, and Nissan Titan. Auto insurance quotes for these vehicles average $205 or less per month.

Not the cheapest to insure, but still ranked well, are pickups like the GMC Sierra 2500 HD, Honda Ridgeline, Toyota Tacoma, and GMC Canyon, with an average cost to insure of $2,610 per year or less.

Auto insurance rates for this segment in Buffalo for an average middle-age driver starts at an average of $186 per month, depending on the company. The next table ranks the pickups with the cheapest auto insurance rates in Buffalo.

Cheapest Pickups to Insure in Buffalo, New York
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,234$186
Nissan TitanFull-size$2,374$198
Nissan FrontierMidsize$2,400$200
Ford RangerMidsize$2,422$202
Ford MaverickMidsize$2,462$205
Honda RidgelineMidsize$2,516$210
Hyundai Santa CruzMidsize$2,560$213
Toyota TacomaMidsize$2,568$214
GMC Sierra 2500 HDHeavy Duty$2,582$215
GMC CanyonMidsize$2,610$218
Jeep GladiatorMidsize$2,672$223
GMC Sierra 3500Heavy Duty$2,688$224
Chevrolet Silverado HD 3500Heavy Duty$2,712$226
Chevrolet Silverado HD 2500Heavy Duty$2,786$232
GMC SierraFull-size$2,802$234
Nissan Titan XDHeavy Duty$2,804$234
Chevrolet SilveradoFull-size$2,806$234
Ford F150Full-size$2,842$237
GMC Hummer EV PickupFull-size$2,912$243
Ram TruckFull-size$2,936$245

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Buffalo, NY Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Buffalo, NY, with the Chevrolet Colorado ranking first at $2,234 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Buffalo, NY, with the Chevrolet Colorado ranking first at $2,234 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Is your pickup truck not in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Buffalo car insurance quotes from top car insurance companies in New York.

Auto insurance cost examples

In an effort to help illustrate how much the cost of identical auto insurance can vary between drivers (and also emphasize the importance of accurate rate quotes), the charts below show a wide range of rates for five popular vehicles in Buffalo: the Ram Truck, Toyota Corolla, Toyota Highlander, Toyota Camry, and Ford Mustang.

Each illustration uses a variety of different driver profiles to illustrate the difference in average cost based on changes to the type of rated driver.

Ram Truck insurance rates

Ram Truck insurance in Buffalo costs an average of $2,936 per year, or around $245 per month, and has a range of $2,434 to $6,760 for the driver ages and coverage limits used in the insurance cost chart below.

Average 2024 Ram Truck insurance premiums in Buffalo for different driver ages and risk scenarios.
Figure 3: Average 2024 Ram Truck insurance premiums in Buffalo for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ram Truck car insurance cost in Buffalo includes all Zip Codes and vehicle trim levels.

2024 Ram Truck Insurance Cost in Buffalo, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,760$563
Safe Driver Age 20$5,914$493
At-fault Accidents Age 40$4,160$347
Low Deductibles Age 40$3,840$320
Safe Driver Age 30$3,130$261
Safe Driver Age 40$2,936$245
Safe Driver Age 50$2,600$217
High Deductibles Age 40$2,472$206
Discount Rate Age 40$2,434$203
Safe Driver Age 60$2,430$203

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ram Truck trim levels. Updated June 26, 2025

The Ram Truck is classified as a full-size truck, and additional similar models include the GMC Sierra, Chevrolet Silverado, and Ford F150.

Toyota Corolla insurance rates

Toyota Corolla insurance in Buffalo costs an average of $2,472 per year ($206 per month) and ranges from $2,054 to $5,668 annually.

Average 2024 Toyota Corolla insurance premiums in Buffalo for different driver ages and risk scenarios.
Figure 4: Average 2024 Toyota Corolla insurance premiums in Buffalo for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Buffalo includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Buffalo, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,668$472
Safe Driver Age 20$4,944$412
At-fault Accidents Age 40$3,508$292
Low Deductibles Age 40$3,170$264
Safe Driver Age 30$2,630$219
Safe Driver Age 40$2,472$206
Safe Driver Age 50$2,202$184
High Deductibles Age 40$2,108$176
Safe Driver Age 60$2,056$171
Discount Rate Age 40$2,054$171

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 27, 2025

The Toyota Corolla is considered a compact car, and other top-selling models from the same segment include the Hyundai Elantra, Honda Civic, Volkswagen Jetta, and Nissan Sentra.

Toyota Highlander insurance rates

Insurance for a Toyota Highlander in Buffalo averages $2,308 per year (about $192 per month) and varies from $1,922 to $5,280.

Average 2024 Toyota Highlander insurance premiums in Buffalo for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Highlander insurance premiums in Buffalo for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Buffalo includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Buffalo, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,280$440
Safe Driver Age 20$4,624$385
At-fault Accidents Age 40$3,242$270
Low Deductibles Age 40$3,070$256
Safe Driver Age 30$2,470$206
Safe Driver Age 40$2,308$192
Safe Driver Age 50$2,038$170
Discount Rate Age 40$1,922$160
High Deductibles Age 40$1,916$160
Safe Driver Age 60$1,910$159

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Highlander trim levels. Updated June 27, 2025

The Toyota Highlander is part of the midsize SUV segment, and other similar models include the Kia Sorento, Ford Edge, Ford Explorer, and Jeep Grand Cherokee.

Toyota Camry insurance rates

Insurance for a Toyota Camry in Buffalo costs an average of $2,726 per year, or around $227 per month, and varies from $2,266 to $6,268.

Average 2024 Toyota Camry insurance premiums in Buffalo for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Camry insurance premiums in Buffalo for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Buffalo includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Buffalo, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,268$522
Safe Driver Age 20$5,494$458
At-fault Accidents Age 40$3,846$321
Low Deductibles Age 40$3,620$302
Safe Driver Age 30$2,914$243
Safe Driver Age 40$2,726$227
Safe Driver Age 50$2,406$201
High Deductibles Age 40$2,266$189
Discount Rate Age 40$2,266$189
Safe Driver Age 60$2,256$188

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 26, 2025

The Toyota Camry belongs to the midsize car segment, and other models from that segment that are popular in Buffalo, New York, include the Nissan Altima, Kia K5, and Honda Accord.

Ford Mustang insurance rates

In Buffalo, Ford Mustang insurance averages $2,790 per year (about $233 per month) and varies from $2,314 to $6,384 per year for the driver examples in the next chart.

Average 2024 Ford Mustang insurance premiums in Buffalo for different driver ages and risk scenarios.
Figure 7: Average 2024 Ford Mustang insurance premiums in Buffalo for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in Buffalo includes all Zip Codes and vehicle trim levels.

2024 Ford Mustang Insurance Cost in Buffalo, NY
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,384$532
Safe Driver Age 20$5,578$465
At-fault Accidents Age 40$3,942$329
Low Deductibles Age 40$3,628$302
Safe Driver Age 30$2,974$248
Safe Driver Age 40$2,790$233
Safe Driver Age 50$2,474$206
High Deductibles Age 40$2,354$196
Discount Rate Age 40$2,314$193
Safe Driver Age 60$2,312$193

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Mustang trim levels. Updated June 26, 2025

The Ford Mustang belongs to the sports car segment, and other top-selling models from the same segment include the Nissan 370Z, Chevrolet Camaro, Subaru BRZ, and Chevrolet Corvette.

Tips for getting cheaper Buffalo auto insurance quotes

Smart drivers in Buffalo are always searching for ways to reduce their monthly car insurance expenses. So take a minute or two to look through the money-saving ideas below to see if you can save a few bucks the next time your policy renews.

  • Your employment could earn you discounts. Most car insurance companies offer discounts for being employed in occupations like college professors, scientists, lawyers, architects, members of the military, dentists, and others. If you’re employed in a qualifying profession, you could potentially save between $76 and $247 on your car insurance bill, depending on the age of the driver.
  • Remove unneeded coverage on older vehicles. Removing comprehensive and/or collision coverage from vehicles whose low value makes coverage cost prohibitive can reduce the cost of car insurance significantly.
  • Raise your credit score to score lower rates. Drivers with high 800+ credit scores may save up to $398 per year versus a lower credit rating of 670-739. Conversely, poor credit could cost around $462 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Cautious drivers pay less for Buffalo auto insurance. Multiple at-fault accidents raise rates, possibly by an extra $1,224 per year for a 30-year-old driver and even $766 per year for a 50-year-old driver. So be a cautious driver and save.
  • Research discounts to lower the cost. Savings may be available if the insured drivers are loyal customers, are homeowners, drive low annual mileage, are good students, or many other discounts which could save the average Buffalo driver as much as $430 per year on their insurance cost.
  • Remain claim free and save. Most auto insurance companies reduce rates a little for not filing any claims. Auto insurance should be used for significant financial loss, not for insignificant claims.
  • Buy vehicles that are cheaper to insure. The make and model of vehicle you drive is a huge factor in the price you pay for auto insurance. As an example, a Kia Soul costs $2,760 less per year to insure in Buffalo than a Acura NSX. Lower performance vehicles save money.