Buffalo New York Car Insurance – 2024 Rates + Cheapest to Insure

• Buffalo car insurance cost averages $1,974 per year for a full coverage insurance policy.
• Buffalo car insurance costs $210 per year less than the New York state average and $91 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 $147, Jeep Wrangler at $188, and Hyundai Elantra at $179.
• 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 ($1,714 per year), Acura Integra ($1,754 per year), Mercedes-Benz CLA250 ($2,030 per year), and Hyundai Ioniq 6 ($1,814 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 $1,974 per year, or about $165 per month for full coverage auto insurance. It costs 4.7% more to insure the average vehicle in Buffalo than the U.S. overall average rate of $1,883.

Average car insurance cost in New York is $2,184 per year, so Buffalo, New York, drivers pay an average of $210 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 $392 per year more than in Rochester, $1,266 per year cheaper than in New York City, and $276 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 – $7,020 per year or $585 per month
• 17-year-old driver – $6,801 per year or $567 per month
• 18-year-old driver – $6,095 per year or $508 per month
• 19-year-old driver – $5,553 per year or $463 per month
• 20-year-old driver – $3,966 per year or $331 per month
• 30-year-old driver – $2,102 per year or $175 per month
• 40-year-old driver – $1,974 per year or $165 per month
• 50-year-old driver – $1,748 per year or $146 per month
• 60-year-old driver – $1,638 per year or $137 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.

In the chart above, the cost of auto insurance in Buffalo ranges from $1,638 per year for a 40-year-old driver who meets many discount requirements to $4,536 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 $137 to $378 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.

Buffalo’s favorite vehicles and the cost of car insurance

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

• Nissan Rogue – $1,768 per year or $147 per month
• Jeep Wrangler – $2,252 per year or $188 per month
• Hyundai Elantra – $2,142 per year or $179 per month
• Subaru Forester – $1,760 per year or $147 per month
• Nissan Sentra – $1,808 per year or $151 per month
• Subaru Outback – $1,680 per year or $140 per month
• Honda Civic – $1,746 per year or $146 per month
• Tesla Model 3 – $2,316 per year or $193 per month
• Ford Escape – $1,798 per year or $150 per month
• Toyota Camry – $2,120 per year or $177 per month

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 – $1,974 (Buffalo average) versus $1,883 (U.S. average)
• Auto insurance rates decrease considerably in your twenties – The average 30-year-old Buffalo, NY, driver will pay $1,864 less annually than a 20-year-old driver, $2,102 compared to $3,966.
• Insurance for a teenager is expensive in Buffalo – Average cost ranges from $4,692 to $7,020 per year for car insurance for teens in Buffalo.
• Cost per month ranges from $137 to $585 – 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 $2,218 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 $861 to $461 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 $134 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, Chevrolet Colorado, 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 $1,692 or less per year.

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

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.

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 $2,030 per year for full coverage insurance to the BMW M8 at $3,320 per year. For another example, in the large luxury SUV segment, the average cost of insurance ranges from the Infiniti QX80 at $2,212 per year up to the Mercedes-Benz G63 AMG at $4,236 per year, a difference of $2,024 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 $151 or less per month.

Also ranking well are cars like the Chevrolet Malibu, Honda Accord, Hyundai Ioniq 6, and Toyota Prius, with average annual insurance rates of $1,912 per year or less.

In the bottom half of the top 20, cars like the Hyundai Sonata, Volkswagen Arteon, Kia Forte, Volkswagen Jetta, and Nissan Versa cost between $1,912 and $2,038 per year for auto insurance.

Full-coverage insurance in this segment can cost as low as $143 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.

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 $1,458 per year, the Chevrolet Trailblazer at $1,484 per year, and the Kia Soul at $1,540 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 $1,616 per year or less.

Full-coverage auto insurance for this segment in Buffalo for an average middle-age driver will start around $122 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 $1,458 per year. For midsize models, the Honda Passport is the cheapest model to insure at $1,570 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,854 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 $1,458 per year and ending with the Honda HR-V at $1,714 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 $1,754 per year. Second place is the BMW 330i at $2,008 per year, and coming in third is the Mercedes-Benz CLA250, at an average of $2,030 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 $2,074 per year or less.

Car insurance rates in Buffalo for this segment for an average middle-age driver starts at around $146 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 $146 per month and ending with the Audi S3 at $184 per month.

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 $1,650 per year. Second place is the Lexus NX 250 at $1,746 per year, the third most affordable is the Cadillac XT4, costing an average of $1,782 per year, and the fourth cheapest is the Jaguar E-Pace, costing an average of $1,844 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 $1,902 per year or less.

From a monthly standpoint, full-coverage auto insurance on this segment in Buffalo starts at around $138 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 $1,650 per year ($138 per month) and ending with the Lexus NX 350 at $1,978 per year ($165 per month).

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 $1,826 per year. Second place is the Toyota GR86 costing $2,080 per year, ranking third is the Ford Mustang, costing an average of $2,164 per year, and fourth place goes to the BMW Z4, costing an average of $2,176 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 $2,358 per year or less.

Full-coverage auto insurance in Buffalo for this segment starts at around $152 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 $152 per month and ending with the Porsche Taycan at $278 per month.

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 $159 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 $2,026 per year or less.

Auto insurance rates for this segment in Buffalo for an average middle-age driver starts at an average of $141 per month, depending on the company. The next table ranks the pickups with the cheapest auto insurance rates in Buffalo.

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 $2,280 per year, or around $190 per month, and has a range of $1,890 to $5,250 for the driver ages and coverage limits used in the insurance cost chart below.

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 $1,922 per year ($160 per month) and ranges from $1,594 to $4,402 annually.

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 $1,794 per year (about $150 per month) and varies from $1,494 to $4,098.

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 $2,120 per year, or around $177 per month, and varies from $1,762 to $4,868.

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 $2,164 per year (about $180 per month) and varies from $1,798 to $4,960 per year for the driver examples in the next chart.

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 $59 and $192 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 $310 per year versus a lower credit rating of 670-739. Conversely, poor credit could cost around $359 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 $950 per year for a 30-year-old driver and even $590 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 $336 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 $2,146 less per year to insure in Buffalo than a Acura NSX. Lower performance vehicles save money.