Cheap Car Insurance in Buffalo, NY (October 2025)

Written by Xuyun Zeng and 2 others
Updated Oct 14, 2025
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Cheap Car Insurance in Buffalo, NY (October 2025)

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Road conditions in the Buffalo area can range from pleasant and clear to snow-covered chaos. Whether you’re cruising over the Skyway or headed up to Niagara Falls, the right auto insurance policy can give you peace-of-mind as you navigate the Buffalo area. 

Jerry’s customer quote data shows you how your rate is affected by factors like your age, driving history and coverage level. Use this information as you shop for the cheapest car insurance.

Cheapest minimum coverage insurance in Buffalo

New York requires drivers to carry these minimum coverages:

  • $10,000 for property damage per accident.
  • $25,000 for bodily injury and $50,000 for harm resulting in death per accident.
  • $50,000 for bodily injury and $100,000 for death of two or more people in an accident.

Uninsured and underinsured motorist bodily injury (UM/UIM) of:

  • $25,000 per person per accident. 
  • $50,000 per accident to protect against injuries caused by uninsured or hit-and-run drivers.

Personal injury projection (PIP) of:

  • $50,000 per person, regardless of fault, to cover medical expenses, lost earnings and other damages.

These are the cheapest quotes for minimum coverage that drivers in Buffalo have received through Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$37 $441 Geico 68 08/24/25 Buffalo, NY 14217
$41 $496 Geico 59 04/17/25 Buffalo, NY 14215
$43 $511 Geico 56 08/13/25 Buffalo, NY 14206
$45 $541 Geico 69 08/01/25 Buffalo, NY 14223
$46 $554 Progressive 41 06/19/25 Buffalo, NY 14226
$46 $556 Progressive 35 06/15/25 Buffalo, NY 14227
$48 $571 Geico 30 06/21/25 Buffalo, NY 14228
$49 $582 Progressive 56 04/29/25 Buffalo, NY 14224
$49 $591 Geico 68 09/10/25 Buffalo, NY 14228
$51 $606 Geico 49 09/15/25 Buffalo, NY 14215
Last Updated Oct. 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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More: Best car insurance companies

Cheapest full coverage insurance in Buffalo

Buffalo gets hammered by lake-effect snow from Lake Erie in the late fall and winter. These conditions can cause diminished visibility and create slick conditions for drivers. 

Minimum coverage won’t compensate you if your vehicle is damaged in hazardous weather. Full coverage helps to pay for repairs to your vehicle after a collision, or in other non-collision events like vandalism, theft or if a branch falls on your car.

Here are the cheapest full coverage quotes that drivers in Buffalo received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$90 $1,079 Geico 56 08/13/25 Buffalo, NY 14206
$91 $1,092 Progressive 43 06/21/25 Buffalo, NY 14224
$93 $1,112 Geico 69 08/13/25 Buffalo, NY 14216
$97 $1,162 Progressive 39 06/16/25 Buffalo, NY 14224
$98 $1,176 Progressive 58 04/22/25 Buffalo, NY 14224
$103 $1,236 Progressive 40 05/01/25 Buffalo, NY 14210
$105 $1,260 Progressive 45 06/24/25 Buffalo, NY 14224
$105 $1,262 Safeco 41 06/21/25 Buffalo, NY 14226
$106 $1,270 Progressive 34 07/09/25 Buffalo, NY 14227
$106 $1,274 Progressive 37 05/03/25 Buffalo, NY 14219
Last Updated Oct. 15, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Cheapest car insurance in New York

Cheapest car insurance for young drivers in Buffalo (18-29 years old)

Drivers between 18 and 29 years old typically pay higher insurance rates because insurers may view their lack of experience as a risk. Comparing quotes from multiple companies can help you find the right coverage at an affordable price. Below are the cheapest quotes that young drivers in Buffalo have received through Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$58 $701 Geico 27 No 09/15/25 Buffalo, NY 14224
$66 $791 Geico 24 No 04/21/25 Buffalo, NY 14214
$94 $1,126 Geico 22 No 09/24/25 Buffalo, NY 14214
$99 $1,186 Progressive 27 No 06/09/25 Buffalo, NY 14223
$101 $1,208 Geico 27 No 05/17/25 Buffalo, NY 14207
$103 $1,236 Progressive 40 05/01/25 Buffalo, NY 14210
$105 $1,260 Progressive 45 06/24/25 Buffalo, NY 14224
$105 $1,262 Safeco 41 06/21/25 Buffalo, NY 14226
$106 $1,270 Progressive 34 07/09/25 Buffalo, NY 14227
$106 $1,274 Progressive 37 05/03/25 Buffalo, NY 14219
Last Updated Oct. 15, 2025

More: Best car insurance in New York

Cheapest car insurance for mature drivers in Buffalo (30-54 years old)

Drivers between 30 and 54 years old who have more driving experience typically pay lower premiums than younger Buffalonians. Here are the cheapest rates that mature drivers in Buffalo have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$48 $571 Geico 30 No 06/21/25 Buffalo, NY 14228
$52 $618 Progressive 44 No 06/23/25 Buffalo, NY 14221
$57 $678 Progressive 45 No 06/24/25 Buffalo, NY 14224
$62 $746 Progressive 38 No 06/15/25 Buffalo, NY 14223
$62 $746 Geico 52 No 05/07/25 Buffalo, NY 14227
$103 $1,236 Progressive 40 05/01/25 Buffalo, NY 14210
$105 $1,260 Progressive 45 06/24/25 Buffalo, NY 14224
$105 $1,262 Safeco 41 06/21/25 Buffalo, NY 14226
$106 $1,270 Progressive 34 07/09/25 Buffalo, NY 14227
$106 $1,274 Progressive 37 05/03/25 Buffalo, NY 14219
Last Updated Oct. 15, 2025

Cheapest car insurance for older drivers in Buffalo (55+ years old)

Drivers over 54 may qualify for some of the lowest insurance premiums, although costs might inch up again once a driver reaches their 70s. Check out the cheapest rates that seniors in Buffalo have been quoted via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$41 $496 Geico 59 04/17/25 Buffalo, NY 14215 No
$49 $582 Progressive 56 04/29/25 Buffalo, NY 14224 No
$75 $905 Geico 72 09/16/25 Buffalo, NY 14226 No
$82 $984 Geico 67 08/03/25 Buffalo, NY 14222 No
$90 $1,079 Geico 56 08/13/25 Buffalo, NY 14206 Yes
$103 $1,236 Progressive 40 05/01/25 Buffalo, NY 14210
$105 $1,260 Progressive 45 06/24/25 Buffalo, NY 14224
$105 $1,262 Safeco 41 06/21/25 Buffalo, NY 14226
$106 $1,270 Progressive 34 07/09/25 Buffalo, NY 14227
$106 $1,274 Progressive 37 05/03/25 Buffalo, NY 14219
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with clean records in Buffalo

A clean driving record can help ensure you get the lowest auto insurance premium possible. These are the cheapest quotes that drivers in Buffalo with spotless records have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$41 $496 Geico 59 04/17/25 No Buffalo, NY 14215
$48 $571 Geico 30 06/21/25 No Buffalo, NY 14228
$49 $582 Progressive 56 04/29/25 No Buffalo, NY 14224
$52 $618 Progressive 44 06/23/25 No Buffalo, NY 14221
$57 $678 Progressive 45 06/24/25 No Buffalo, NY 14224
$58 $701 Geico 27 09/15/25 No Buffalo, NY 14224
$62 $746 Progressive 38 06/15/25 No Buffalo, NY 14223
$62 $746 Geico 52 05/07/25 No Buffalo, NY 14227
$62 $748 Progressive 39 06/17/25 No Buffalo, NY 14225
$66 $791 Geico 24 04/21/25 No Buffalo, NY 14214
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in Buffalo

In New York, insurers are allowed to use your credit history as a factor that helps to determine your car insurance premium. Because credit is one of many factors that insurers may use — and insurers can weigh factors differently — it’s wise to get quotes from multiple insurers. Check out the cheapest quotes in Buffalo for drivers with a credit score below 550.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $76 $912 Progressive 51 09/02/25 Buffalo, NY 14222
<550 $112 $1,348 Progressive 27 03/17/25 Buffalo, NY 14216
<550 $149 $1,792 Progressive 32 12/19/24 Buffalo, NY 14228
<550 $155 $1,864 Progressive 36 07/22/24 Buffalo, NY 14218
<550 $166 $1,986 Progressive 32 11/06/24 Buffalo, NY 14213
$58 $701 Geico 27 Buffalo, NY 14224
$62 $746 Progressive 38 Buffalo, NY 14223
$62 $746 Geico 52 Buffalo, NY 14227
$62 $748 Progressive 39 Buffalo, NY 14225
$66 $791 Geico 24 Buffalo, NY 14214
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in Buffalo

Having an at-fault accident on your record can raise your insurance bill, so it’s a good idea to compare quotes from multiple insurers to find the best rate. Take a look at the cheapest quotes that drivers with at-fault collisions have received via Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $72 $868 Progressive 25 No 10/01/25 Buffalo, NY 14201
At Fault With No Injury $76 $912 Progressive 51 No 09/02/25 Buffalo, NY 14222
At Fault With No Injury $106 $1,276 Progressive 63 Yes 07/20/24 Buffalo, NY 14221
At Fault With No Injury $107 $1,288 Progressive 30 No 12/11/24 Buffalo, NY 14220
At Fault With No Injury $113 $1,354 Progressive 53 No 08/25/25 Buffalo, NY 14219
$58 $701 Geico 27 No Buffalo, NY 14224
$62 $746 Progressive 38 No Buffalo, NY 14223
$62 $746 Geico 52 No Buffalo, NY 14227
$62 $748 Progressive 39 No Buffalo, NY 14225
$66 $791 Geico 24 No Buffalo, NY 14214
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with speeding tickets in Buffalo

A speeding violation often results in a higher premium, but the amount your costs rise after receiving a ticket may depend on how fast you were going when you were cited. Here’s a look at the cheapest quotes that drivers in Buffalo with speeding citations have received via Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding under 15 $256 $3,067 Geico 31 04/18/25 Buffalo, NY 14206
Speeding under 15 $288 $3,452 Progressive 47 07/30/25 Buffalo, NY 14202
Speeding under 15 $293 $3,515 Geico 45 05/05/25 Buffalo, NY 14207
Speeding over 15 $410 $4,922 Progressive 37 05/21/25 Buffalo, NY 14215
Speeding under 15 $503 $6,040 Bristol West 63 06/19/25 Buffalo, NY 14208
$58 $701 Geico 27 09/15/25 Buffalo, NY 14224
$62 $746 Progressive 38 06/15/25 Buffalo, NY 14223
$62 $746 Geico 52 05/07/25 Buffalo, NY 14227
$62 $748 Progressive 39 06/17/25 Buffalo, NY 14225
$66 $791 Geico 24 04/21/25 Buffalo, NY 14214
Last Updated Oct. 14, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Our experts
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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