Car Insurance in Buffalo
Numbers refreshed
How people in Buffalo drive, and the averages from New York that car insurance there is based on.
- $179A month, at the New York average, for full coverage.
- 25/50/10.The minimum limits set by the state.
What drivers in the Buffalo area pay
Across New York, full coverage averages $2,150 a year, while the legal minimum averages $1,243. In a big city, premiums usually sit higher than the state average, because of more traffic, more claims and more theft.
| Coverage in New York | Per year | Per month |
|---|---|---|
| Liability | $1,243 | $104 |
| Collision | $622 | $52 |
| Comprehensive | $284 | $24 |
| Full coverage (all three) | $2,150 | $179 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Driving in the city of Buffalo
| Census figure | Buffalo |
|---|---|
| People | 276,854 |
| Average trip to work | 20 minutes |
| Drive to work alone | 63% |
| Homes with no car | 23% |
| Median household income | $50,041 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
An estimate of your own
The New York calculator works out a price for your age, record and car. State rules are covered on New York car insurance requirements.
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