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.
If you have a loan or lease on your vehicle, the lender will require
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $70 | $841 | 62 | 08/22/25 | 14217 | ||
| $79 | $949 | 29 | 09/10/25 | 14223 | ||
| $80 | $958 | 39 | 06/16/25 | 14224 | ||
| $86 | $1,036 | 45 | 06/24/25 | 14224 | ||
| $91 | $1,092 | 43 | 06/21/25 | 14224 | ||
| $93 | $1,112 | 69 | 08/13/25 | 14216 | ||
| $93 | $1,113 | 31 | 09/14/25 | 14222 | ||
| $100 | $1,200 | 44 | 06/22/25 | 14226 | ||
| $102 | $1,226 | 41 | 06/19/25 | 14226 | ||
| $104 | $1,242 | 62 | 07/19/25 | 14225 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $26 | $313 | 29 | No | 07/15/25 | 14207 | ||
| $78 | $934 | 28 | No | 07/17/25 | 14214 | ||
| $79 | $949 | 29 | Yes | 09/10/25 | 14223 | ||
| $94 | $1,126 | 26 | No | 06/03/25 | 14215 | ||
| $96 | $1,153 | 25 | No | 09/28/25 | 14201 | ||
| $93 | $1,112 | 69 | 08/13/25 | 14216 | |||
| $93 | $1,113 | 31 | 09/14/25 | 14222 | |||
| $100 | $1,200 | 44 | 06/22/25 | 14226 | |||
| $102 | $1,226 | 41 | 06/19/25 | 14226 | |||
| $104 | $1,242 | 62 | 07/19/25 | 14225 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $24 | $283 | 44 | No | 06/25/25 | 14212 | ||
| $26 | $313 | 51 | No | 06/06/25 | 14206 | ||
| $38 | $456 | 42 | No | 09/17/25 | 14215 | ||
| $40 | $481 | 39 | No | 06/24/25 | 14221 | ||
| $42 | $506 | 35 | No | 07/18/25 | 14206 | ||
| $93 | $1,112 | 69 | 08/13/25 | 14216 | |||
| $93 | $1,113 | 31 | 09/14/25 | 14222 | |||
| $100 | $1,200 | 44 | 06/22/25 | 14226 | |||
| $102 | $1,226 | 41 | 06/19/25 | 14226 | |||
| $104 | $1,242 | 62 | 07/19/25 | 14225 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $28 | $338 | 57 | 07/07/25 | 14206 | No | ||
| $33 | $390 | 58 | 08/28/25 | 14221 | No | ||
| $65 | $784 | 62 | 08/22/25 | 14217 | No | ||
| $67 | $800 | 73 | 06/26/25 | 14210 | No | ||
| $68 | $821 | 63 | 07/06/25 | 14210 | No | ||
| $93 | $1,112 | 69 | 08/13/25 | 14216 | |||
| $93 | $1,113 | 31 | 09/14/25 | 14222 | |||
| $100 | $1,200 | 44 | 06/22/25 | 14226 | |||
| $102 | $1,226 | 41 | 06/19/25 | 14226 | |||
| $104 | $1,242 | 62 | 07/19/25 | 14225 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $24 | $283 | 44 | 06/25/25 | No | 14212 | ||
| $26 | $313 | 29 | 07/15/25 | No | 14207 | ||
| $26 | $313 | 51 | 06/06/25 | No | 14206 | ||
| $28 | $338 | 57 | 07/07/25 | No | 14206 | ||
| $33 | $390 | 58 | 08/28/25 | No | 14221 | ||
| $38 | $456 | 42 | 09/17/25 | No | 14215 | ||
| $40 | $481 | 39 | 06/24/25 | No | 14221 | ||
| $42 | $506 | 35 | 07/18/25 | No | 14206 | ||
| $46 | $554 | 41 | 06/19/25 | No | 14226 | ||
| $47 | $562 | 36 | 10/28/25 | No | 14215 |
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
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $76 | $912 | 51 | 09/03/25 | 14222 | ||
| <550 | $112 | $1,348 | 27 | 03/17/25 | 14216 | ||
| <550 | $215 | $2,580 | 35 | 04/11/25 | 14212 | ||
| <550 | $236 | $2,832 | 29 | 02/18/25 | 14226 | ||
| <550 | $358 | $4,296 | 37 | 10/17/25 | 14209 | ||
| $38 | $456 | 42 | 14215 | ||||
| $40 | $481 | 39 | 14221 | ||||
| $42 | $506 | 35 | 14206 | ||||
| $46 | $554 | 41 | 14226 | ||||
| $47 | $562 | 36 | 14215 |
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 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 | 25 | No | 10/01/25 | 14201 | ||
| At Fault With No Injury | $76 | $912 | 51 | No | 09/03/25 | 14222 | ||
| At Fault With No Injury | $86 | $1,037 | 36 | No | 09/13/25 | 14211 | ||
| At Fault With No Injury | $127 | $1,528 | 36 | No | 06/30/25 | 14217 | ||
| At Fault With No Injury | $144 | $1,724 | 65 | No | 11/14/24 | 14213 | ||
| $38 | $456 | 42 | No | 14215 | ||||
| $40 | $481 | 39 | No | 14221 | ||||
| $42 | $506 | 35 | No | 14206 | ||||
| $46 | $554 | 41 | No | 14226 | ||||
| $47 | $562 | 36 | No | 14215 |
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
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $83 | $998 | 63 | 06/19/25 | 14208 | ||
| Speeding over 15 | $363 | $4,360 | 37 | 05/21/25 | 14215 | ||
| Speeding under 15 | $662 | $7,940 | 45 | 05/05/25 | 14207 | ||
| Speeding under 15 | $794 | $9,528 | 35 | 05/23/25 | 14211 | ||
| Speeding under 15 | $852 | $10,228 | 47 | 07/30/25 | 14202 | ||
| $38 | $456 | 42 | 09/17/25 | 14215 | |||
| $40 | $481 | 39 | 06/24/25 | 14221 | |||
| $42 | $506 | 35 | 07/18/25 | 14206 | |||
| $46 | $554 | 41 | 06/19/25 | 14226 | |||
| $47 | $562 | 36 | 10/28/25 | 14215 |
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.
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.
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.
