For a 40-year-old driver with a clean record, car insurance in Buffalo averages about $246 a month ($2,947 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 15% below the New York average of $288 a month. Progressive has the lowest full-coverage average of the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $73 a month.
One insurer pulls the Buffalo average down: Progressive’s full-coverage average for our driver is about $73 a month here. Without Progressive, the other four major insurers we compared average about $289 a month, compared with $246 with it.
Buffalo costs less to insure than the state as a whole. Our benchmark driver pays about $42 a month less here than the New York average, and about $202 less than in New York City.
Our Buffalo figures use the 25 ZIP codes with a Buffalo mailing address, which include suburbs such as Cheektowaga, Amherst and West Seneca as well as the city itself. Use them as a benchmark when you compare auto insurance quotes in Buffalo, New York.
Cost data comes from the auto rates insurers file with state regulators, priced across all 25 Buffalo ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Buffalo averages $2,947 a year, or about $246 a month, for our benchmark driver. Liability-only coverage at New York’s 25/50/10 minimum averages $1,627 a year ($136 a month), and 50/100/50 liability with comprehensive and collision averages $2,793 ($233 a month).
Progressive has the lowest full-coverage average among the five insurers in our Buffalo rate data. Five of the eight published 2026 statewide New York rate studies we reviewed also rank Progressive cheapest for full coverage, so we name it, though its lead in our data is wider than in those studies. Two of the others put Erie Insurance first and one NYCM Insurance. For liability-only coverage at 25/50/10 limits, averages run from about $28 to $219 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Buffalo
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $334 | $28 | $873 | $73 |
| GEICO | $808 | $67 | $2,220 | $185 |
| Allstate | $2,306 | $192 | $3,142 | $262 |
| Travelers | $2,062 | $172 | $3,918 | $327 |
| State Farm | $2,623 | $219 | $4,580 | $382 |
| USAA (military families)* | $1,191 | $99 | $1,689 | $141 |
| NYCM Insurance* | $873 | $73 | $2,244 | $187 |
| Erie Insurance* | $1,254 | $105 | $2,674 | $223 |
| Buffalo average | $1,627 | $136 | $2,947 | $246 |
This table uses Buffalo ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 25 Buffalo ZIP codes we price, full coverage for our driver ranges from about $211 a month in 14219 to $292 in 14211, a gap of $974 a year. The least expensive are suburban, led by 14219 (Blasdell) and 14226 (Amherst), and the most expensive, 14211, is on the city’s East Side.
Lowest-priced Buffalo ZIP codes
Highest-priced Buffalo ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Buffalo’s average.
| ZIP Code: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 14201 | $1,830 | $153 | $3,321 | $277 | +13% |
| 14204 | $1,866 | $156 | $3,396 | $283 | +15% |
| 14206 | $1,567 | $131 | $2,898 | $242 | -2% |
| 14207 | $1,616 | $135 | $2,959 | $247 | About average |
| 14208 | $1,837 | $153 | $3,278 | $273 | +11% |
| 14209 | $1,793 | $149 | $3,213 | $268 | +9% |
| 14210 | $1,529 | $127 | $2,787 | $232 | -6% |
| 14211 | $1,919 | $160 | $3,505 | $292 | +19% |
| 14212 | $1,684 | $140 | $3,105 | $259 | +5% |
| 14213 | $1,818 | $152 | $3,213 | $268 | +9% |
| 14214 | $1,661 | $138 | $2,987 | $249 | +1% |
| 14215 | $1,794 | $150 | $3,307 | $276 | +12% |
| 14216 | $1,572 | $131 | $2,812 | $234 | -5% |
| 14217 | $1,445 | $120 | $2,635 | $220 | -11% |
| 14218 | $1,533 | $128 | $2,762 | $230 | -7% |
| 14219 | $1,351 | $113 | $2,531 | $211 | -14% |
| 14220 | $1,484 | $124 | $2,703 | $225 | -9% |
| 14221 | $1,462 | $122 | $2,629 | $219 | -11% |
| 14222 | $1,772 | $148 | $3,178 | $265 | +8% |
| 14223 | $1,623 | $135 | $2,874 | $240 | -2% |
| 14224 | $1,432 | $119 | $2,650 | $221 | -10% |
| 14225 | $1,640 | $137 | $2,906 | $242 | -2% |
| 14226 | $1,383 | $115 | $2,553 | $213 | -13% |
| 14227 | $1,625 | $135 | $2,871 | $239 | -3% |
| 14228 | $1,429 | $119 | $2,592 | $216 | -12% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $154 a year on average in our Buffalo data, with the same $500 deductibles. That’s about $13 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the same insurers in the same Buffalo ZIP codes, full coverage averaged $3,003 a year nine months earlier and $2,947 in rates as of Aug. 31, 2026, a 1.9% drop. Most of that came from Progressive, which cut its Buffalo average 24.2%; the other four insurers’ average fell 0.1%. Allstate cut its average 5.0% and Travelers raised its 4.3%, while GEICO’s and State Farm’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 4.4%, led by Allstate, which cut its liability-only average 12.3%.
Erie County averages $2,717 a year for full coverage in our data, the 15th-highest of the 59 New York counties we price. City ZIP codes cost more than the suburbs: 14211 averages about $292 a month, while Amherst’s 14226 averages $213.
Nearby places with their own mailing addresses cost less still: Orchard Park averages about $204 a month, Tonawanda $202 and Niagara Falls $209. Where your car is kept is one of the factors New York insurers use, so your ZIP code can move your price.
More New York cities and towns are in the New York rates by city table, and you can compare states on our car insurance rates by state page.
Rochester, about 67 miles east, averages $182 a month, and Syracuse, about 138 miles east, $194. For the statewide picture, see our guide to New York car insurance rates.
Drivers in Buffalo follow New York’s rules. Every policy must include at least:
Our New York requirements guide covers no-fault benefits, optional coverage, the 2026 law changes and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from New York law and the New York State Department of Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Buffalo averages about $246 a month ($2,947 a year) and liability-only coverage about $136 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 15% below the New York average of $288 a month. Without Progressive, the average is about $289 a month.
Progressive has the lowest full-coverage average in our Buffalo rate data, at about $73 a month, followed by GEICO at $185 among the five major insurers we compared. For liability-only coverage, averages run from about $28 to $219 a month. Five of the eight published 2026 statewide New York rate studies we reviewed also rank Progressive cheapest for full coverage; two put Erie Insurance first and one NYCM Insurance. Rates vary by driver, so compare quotes for your own car and ZIP code.
Usually. In our data, suburban Buffalo-address ZIP codes such as 14219 (Blasdell) and 14226 (Amherst) average about $211 and $213 a month for full coverage, while 14211, on the city’s East Side, averages $292.
In our data, 14219 has the lowest full-coverage average in Buffalo, at about $211 a month, and 14211 the highest, at about $292. The ZIP code table on this page lists all 25.
In our Buffalo data, full coverage (100/300/100 with $500 deductibles) averages about $246 a month and liability-only coverage at 25/50/10 limits about $136, a difference of about $110 a month ($1,320 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. New York law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Buffalo must carry New York’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries ($50,000 and $100,000 when someone dies) and $10,000 for property damage, $50,000 per person in no-fault coverage and uninsured motorist coverage at the same 25/50 injury limits. New York is a no-fault state for injuries, so your own policy pays your medical bills and lost earnings up to that limit, whoever caused the crash.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, full coverage in Buffalo fell 1.9% over the past nine months, from about $3,003 to $2,947 a year, mostly because Progressive cut its price 24.2%. The other four insurers’ average fell 0.1%, and Travelers raised its average 4.3%. Liability-only coverage at 25/50/10 limits fell 4.4%.
For our benchmark driver, full coverage in Buffalo averages about $246 a month. Nearby, Rochester averages about $182, Syracuse about $194 and Albany about $194. Rochester, Syracuse and Albany are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
