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Find the Best Car Insurance Companies in Buffalo, NY

New York State requires all drivers to carry some form of auto insurance, which means Buffalo drivers need to look for the right coverage at an affordable price. The Buffalo News has partnered with ConsumerAffairs to create this guide by comparing consumer reviews and local availability of 16 businesses and choosing six favorites from the top car insurance companies in Buffalo.

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Why Buffalo residents need car insurance

buffalo skyline

New York State requires all drivers to carry auto insurance that covers injuries and property damage. With Buffalo’s population rising for the first time in many years, the roads will become more crowded and accidents may become more common. Ice and snow on the roads during Buffalo winters also cause both major crashes and minor fender benders. Be prepared with auto insurance.

Buffalo car insurance costs

The average cost for auto insurance in Buffalo is about $1,700 a year. The neighborhood or suburb where you live affects how much you pay for car insurance. Insurance companies use local data on theft and vandalism in the area, along with other statistics, to determine premiums.

The make, model and year of the car, plus the driver’s age, gender, driving record and number of years they’ve been licensed to drive also affect the price of car insurance. Auto insurance prices also depend on the buyer’s claims history, whether they’ve been covered continuously and whether they’re married or single. Higher coverage limits and lower deductibles result in increased premiums. Added features like collision coverage, comprehensive coverage and roadside assistance also raise the price of insurance premiums.

Driving in Buffalo

Car insurance is a necessity in Buffalo not only because it’s legally required, but also because it protects you financially in case of an accident. Dangerous winter road conditions and the accidents that result from ice and snow make it imperative to have auto insurance in Buffalo.

Crashes in Buffalo

There were 22,395 car crashes in Erie County in 2018, according to the Institute for Traffic Safety Management and Research. Over 3 in 10 crashes involved an injury or death, and about 70% led to property damage. Given the number of car accidents and injuries in the state, it’s important for Buffalo residents to have good auto insurance coverage.

Road conditions in Buffalo

Buffalo often gets over 100 inches of snow per year — making it one of the snowiest cities in the state and country. Ice and snow render road conditions extremely difficult during the winter, making crashes much more likely in Buffalo. Potholes also form when ice and snow damage road surfaces. Good car insurance covers vehicle damage from hazardous roads and accidents.

Vehicle theft in Buffalo

Buffalo saw 684 motor vehicle thefts in 2018, according to data from the City of Buffalo. The D’Youville College area has one of the city’s highest crime rates, along with Old First Ward and Larkinville. The Leroy neighborhood also has a higher crime rate than surrounding areas. Buffalo residents in all areas need car insurance policies that cover theft.

What is the minimum auto insurance coverage in Buffalo?

New York State requires drivers to carry a minimum of $25,000 liability coverage for bodily injury to one person, $50,000 for bodily injury to more than one person and $10,000 for property damage in any one accident. They must also carry no-fault insurance in the amount of at least $50,000 and uninsured motorists coverage. Buffalo residents who drive without the minimum amount of insurance can have their driver's license and registration revoked and be fined.

Buffalo car insurance FAQ

How much is car insurance in Buffalo?

The average price for car insurance in Buffalo is approximately $1,700 a year. Insurers use factors like age, driving history and gender to calculate the cost of car insurance in Buffalo.

What is liability insurance for cars?

Liability insurance for cars covers bodily injury and property damage when you cause an accident. This type of insurance covers your financial responsibility (up to the limit provided by your policy). It is required by law in New York.

How can I get car insurance in Buffalo?

Shop for and purchase car insurance online or by phone. Another option is to visit the office of an insurance agent or broker in Buffalo.

What is recommended for car insurance coverage in Buffalo?

New York State requires drivers to carry a minimum of $25,000 liability for bodily injury to one person, $50,000 for injury to two or more people and $10,000 for property damage. It is recommended to upgrade to higher levels of coverage, like $50K/$100K/$50K, because many accidents incur damages that exceed the minimum levels. You are also required to carry no-fault coverage of at least $50,000 and uninsured motorists coverage for bodily injury.

How can I save on car insurance?

New York state has a mandatory car insurance discount for drivers who enroll in an approved defensive driving course. You also get discounts for having daytime running lamps, automatic seat belts or anti-lock brakes. Insurance providers also offer discounts for things like being accident-free or bundling auto insurance with homeowners insurance. Check company websites and shop around for savings that fit your situation.

Buffalo car insurance company information


EverQuote offers online quote comparison tools for auto insurance in Buffalo. Build a profile with personal and vehicle information to be contacted by several providers and receive quotes. Partners include Esurance, AAA, Farmers, Mercury, Nationwide, American Family Insurance, Progressive and Liberty Mutual. Quotes are typically available in a few minutes. EverQuote is free to use. Insurers that partner with EverQuote provide discounts for military members, good drivers, car safety features and more.



GEICO offers auto insurance policies online with comprehensive, collision and liability coverage and more. Customer service is available 24/7. Policyholders can make payments, manage an account and file claims online. Emergency road service, rental car reimbursement and mechanical breakdown coverage add-ons are available. Bundle auto insurance and other policies, like home or renters, to save money. GEICO also has discounts for military members, good drivers, multivehicle policies, federal employees, students, loyalty, safety features and more.


Progressive Auto Insurance

Progressive offers a Name Your Price tool, allowing you to tell the company how much you want to pay for auto insurance in Buffalo so it can find you options in your budget. Progressive has discounts for bundling home and auto coverage, safe drivers, multivehicle policies, continuous coverage, good students, homeowners, online signup, paperless billing, upfront payment and auto-pay. The company's Snapshot program personalizes your rates based on your driving.

Progressive Auto Insurance

State Farm Auto Insurance

State Farm offers comprehensive, collision, rental and ride-share insurance quotes online. Online account and claims management is available. Bundle car insurance with homeowners or renters policies for savings. State Farm’s other discounts include those for accident-free driving, defensive driving, students away at school, good driving, good students, vehicle safety, passive restraint systems, anti-theft, anti-lock brakes and daytime running lights.

State Farm Auto Insurance

Allstate Auto Insurance

Allstate auto insurance is available online, by phone or with agents in person. The company provides collision, comprehensive, liability, medical payments, uninsured motorist, umbrella and ride-share policies. There’s also coverage for sound systems. Customers may manage their accounts online, and services are available in Spanish. Allstate has discounts for anti-lock brakes, new cars, good students, anti-theft devices, multiple policies, responsible payers, paperless billing, safe driving, paying in full and auto-pay.

Allstate Auto Insurance

Centinello Insurance Agency

Centinello Insurance Agency provides auto insurance and other types of insurance policies in Buffalo. The company specializes in finding the best possible coverage at the lowest rate. Services are available in Spanish. It offers free quotes and reviews current policies for free to see where changes can be made. Discounts are available for safe drivers and continuous coverage. The company is located at 1274 Bailey Ave., Buffalo, NY 14206.

Centinello Insurance Agency