Cheap Car Insurance in Buffalo, NY (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 28, 2025
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Cheap Car Insurance in Buffalo, NY (July 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
$32 $378 Geico 62 April 11, 2025 Buffalo, NY 14224
$41 $488 Progressive 44 February 3, 2025 Buffalo, NY 14210
$41 $495 Geico 38 February 1, 2025 Buffalo, NY 14228
$41 $496 Geico 59 April 17, 2025 Buffalo, NY 14215
$44 $525 Geico 56 April 2, 2025 Buffalo, NY 14217
$45 $540 Progressive 33 April 20, 2025 Buffalo, NY 14221
$47 $561 Geico 62 March 30, 2025 Buffalo, NY 14228
$48 $572 Geico 33 March 26, 2025 Buffalo, NY 14201
$48 $578 Geico 63 July 12, 2025 Buffalo, NY 14228
$49 $582 Progressive 56 April 29, 2025 Buffalo, NY 14224
Last Updated Jul 24, 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.

Find affordable car insurance in minutes.

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
$68 $816 Progressive 59 February 8, 2025 Buffalo, NY 14226
$80 $960 Geico 37 July 21, 2025 Buffalo, NY 14220
$82 $980 Progressive 44 February 20, 2025 Buffalo, NY 14228
$83 $1,000 Progressive 39 June 16, 2025 Buffalo, NY 14219
$86 $1,033 Geico 50 May 19, 2025 Buffalo, NY 14217
$91 $1,092 Progressive 43 June 21, 2025 Buffalo, NY 14224
$92 $1,107 Geico 56 April 15, 2025 Buffalo, NY 14219
$93 $1,115 Geico 62 March 12, 2025 Buffalo, NY 14216
$95 $1,138 Geico 59 March 20, 2025 Buffalo, NY 14216
$96 $1,152 Progressive 70 April 5, 2025 Buffalo, NY 14216
Last Updated Jul 24, 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
$53 $640 Progressive 26 No February 9, 2025 Buffalo, NY 14221
$66 $791 Geico 24 No April 21, 2025 Buffalo, NY 14214
$74 $882 Progressive 25 No February 12, 2025 Buffalo, NY 14206
$75 $902 Progressive 29 No March 9, 2025 Buffalo, NY 14210
$85 $1,016 Geico 28 No March 9, 2025 Buffalo, NY 14221
Last Updated Jul 24, 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
$41 $495 Geico 38 No February 1, 2025 Buffalo, NY 14228
$45 $540 Progressive 33 No April 20, 2025 Buffalo, NY 14221
$48 $572 Geico 33 No March 26, 2025 Buffalo, NY 14201
$51 $611 Geico 48 No May 20, 2025 Buffalo, NY 14218
$59 $702 Progressive 46 No March 18, 2025 Buffalo, NY 14227
Last Updated Jul 24, 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
$32 $378 Geico 62 April 11, 2025 Buffalo, NY 14224 No
$41 $496 Geico 59 April 17, 2025 Buffalo, NY 14215 No
$47 $561 Geico 62 March 30, 2025 Buffalo, NY 14228 No
$48 $578 Geico 63 July 12, 2025 Buffalo, NY 14228 No
$49 $582 Progressive 56 April 29, 2025 Buffalo, NY 14224 No
Last Updated Jul 24, 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
$32 $378 Geico 62 April 11, 2025 No Buffalo, NY 14224
$41 $495 Geico 38 February 1, 2025 No Buffalo, NY 14228
$41 $496 Geico 59 April 17, 2025 No Buffalo, NY 14215
$45 $540 Progressive 33 April 20, 2025 No Buffalo, NY 14221
$47 $561 Geico 62 March 30, 2025 No Buffalo, NY 14228
$48 $572 Geico 33 March 26, 2025 No Buffalo, NY 14201
$48 $578 Geico 63 July 12, 2025 No Buffalo, NY 14228
$49 $582 Progressive 56 April 29, 2025 No Buffalo, NY 14224
$51 $611 Geico 48 May 20, 2025 No Buffalo, NY 14218
$53 $631 Geico 58 February 6, 2025 No Buffalo, NY 14215
Last Updated Jul 24, 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 $112 $1,348 Progressive 27 March 17, 2025 Buffalo, NY 14216
<550 $139 $1,668 Progressive 35 May 14, 2025 Buffalo, NY 14222
<550 $158 $1,900 Progressive 32 January 20, 2025 Buffalo, NY 14228
<550 $166 $1,986 Progressive 32 November 6, 2024 Buffalo, NY 14213
<550 $171 $2,046 Progressive 56 June 24, 2025 Buffalo, NY 14211
Last Updated Jul 24, 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 $106 $1,276 Progressive 63 Yes July 20, 2024 Buffalo, NY 14221
At Fault With No Injury $107 $1,288 Progressive 30 No December 11, 2024 Buffalo, NY 14220
At Fault With No Injury $139 $1,668 Progressive 35 No May 14, 2025 Buffalo, NY 14222
At Fault With No Injury $142 $1,708 Progressive 25 No March 24, 2025 Buffalo, NY 14227
At Fault With No Injury $152 $1,818 Progressive 32 No January 4, 2025 Buffalo, NY 14225
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
Speeding under 15 $78 $938 Progressive 32 July 11, 2024 Buffalo, NY 14207
Speeding over 15 $199 $2,390 Progressive 25 December 16, 2024 Buffalo, NY 14218
Speeding under 15 $207 $2,483 Progressive 63 June 19, 2025 Buffalo, NY 14208
Speeding under 15 $312 $3,740 Bristol West 33 April 2, 2025 Buffalo, NY 14215
Speeding under 15 $346 $4,148 Progressive 47 July 19, 2024 Buffalo, NY 14202
Last Updated Jul 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET 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.

meet-experts-thumbnail
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 $85 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.