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Best Car Insurance Companies in Buffalo, NY

Aug. 15, 2019, 8:17 p.m.

Car insurance in New York costs more than in most of the country, so it’s crucial to maximize every possible discount and shop around for effective coverage at an affordable rate. Our partners at ConsumerAffairs researched the best car insurance in Buffalo to help you get the best deal.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WKBW may receive compensation from our partners. Learn more.

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#1
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Progressive
Progressive
Features
  • Bundle plans & save
  • Discounts: multi-policy, teen driver & more
  • Name your price tool
  • Available in Buffalo
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(844) 332-2089
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#2
Liberty Mutual
Liberty Mutual
Features
  • Save up to 30% for good driving
  • Offers discounts for online quotes
  • 12-month rate guarantee
  • Available in Buffalo
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#3
The General
The General
Features
  • Driving record forgiveness
  • Discounts: pay-in-full, military & more
  • Low down payments
  • Available in Buffalo
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#4
Willoughby Insurance
Willoughby Insurance
Features
  • More than 60 years of experience
  • A+ rating with BBB
  • Offers mutliple coverage options
  • Discounts for taking defensive driver courses
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Location
1523 Main St.
Buffalo, NY 14209
(716) 882-7541
#5
Walsh Duffield Companies
Walsh Duffield Companies
Features
  • Family-owned company
  • Established in 1860
  • Partners with multiple insurance providers
  • Advisors help determine the best coverage for you
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Location
801 Main St.
Buffalo, NY 14203
(716) 853-3820
Niagara Montauk Insurance
Niagara Montauk Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • niagaramontauk.com
Location
1547 Hertel Ave.
Buffalo, NY 14216
(716) 800-4282
P.A.G. Agency Inc.
P.A.G. Agency Inc.
Features
  • M-Th: 9am - 4:30pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • carinsurancebuffalo.net
Location
1660 Kensington Ave.
Buffalo, NY 14215
(716) 835-3221
Centinello Insurance
Centinello Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • centinelloinsurance.com
Location
1247 Bailey Ave.
Buffalo, NY 14206
(716) 893-4332
AAA
AAA
Features
  • M, W, F: 9am - 5:30pm
  • T, Th: 9am - 7pm
  • Sat: 9am - 3pm
  • Closed Sun
  • westerncentralny.aaa.com/locations/amherst
Location
100 International Dr.
Amherst, NY 14221
(716) 630-3799
The Cesar Group
The Cesar Group
Features
  • M-F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • thecesargroup.com
Location
354 Cayuga Rd.
Buffalo, NY 14225
(716) 626-0099
Amity Insurance Agency, Inc.
Amity Insurance Agency, Inc.
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • amityinsurance.net
Location
7659 Montgomery Rd.
Cincinnati, OH 45236
(513) 793-9191

How to choose car insurance in Buffalo

Buffalo Skyline

New York State requires drivers to carry minimum amounts of the insurance coverages below. Policies with higher limits and supplementary coverage are also available and recommended.

  • Bodily injury: Drivers are required to carry minimum insurance with limits up to $25,000 per person injured in an accident, and up to $50,000 for all people injured in an accident.
  • Death benefits: A minimum insurance policy must have limits of up to $50,000 per person killed in an accident and up to $100,000 for all people killed in an accident.
  • Property damage: Buffalo-based drivers must carry a minimum of $10,000 coverage limits for injury or property destruction caused by a single accident.
  • Uninsured motorist (UM or UIM): This covers bodily injury to the driver and occupants in a vehicle when hit by a driver without insurance. The same coverage minimums as above apply.

What is comprehensive insurance that my car loan company says I need?

Comprehensive insurance is optional in Buffalo, but covers damage to your car, including cosmetic repairs. It is usually required by auto loan finance companies for newer cars to protect their investment in case you default on your loan. In other words, it’s insurance to keep the car in good condition if it ends up in their hands.

What determines car insurance rates?

Insurance companies determine rates for car insurance in Buffalo based on probability factors, which include:

  • Age and gender
  • ZIP code of your home
  • Points on the car owner's license as well as any additional drivers
  • Type and value of the car
  • How far you drive to or for work
  • How many miles driven overall
  • Accident history

Get ready for sticker shock if you're adding a brand new driver under age 25 onto your policy!

How can I get lower rates or discounts on auto insurance in New York?

Car insurance rates tend to decrease with age. Statistics show that maturity and experience improve one’s driving skills and ability to avoid accidents. While you can’t change your age, you can take these measures to lower your premium:

  • Buy a cheaper car. Automobiles with lower values cost less to insure. If it's paid in full, you won't have an auto lender with requirements to keep expensive comprehensive insurance. Also, consider removing comprehensive coverage you are already carrying on older cars.
  • Take a state-approved safety course, also known as a defensive driver class. These can remove points from your license or are incentives for insurers to provide "safe driver" discounts.
  • Select a vehicle with the most up-to-date safety features. Expensive cars tend to have more safety features, but modestly priced cars today often feature rear-view cameras, lane departure alerts, blind spot detection and other warnings.
  • Drive fewer miles.
  • Drive more carefully. Fewer points on your license mean lower insurance rates.
  • Bundle your car insurance policy with home, boat, RV, motorcycle or other insurance with the same company for a multi-policy discount.

Even with discounts, auto insurance in Buffalo is a costly monthly expense. Getting quotes from the following companies will help you shop wisely for coverage.

*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.

Progressive

Progressive

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(844) 332-2089

Progressive Insurance has local agents who earn high reviews regarding their prices and claims service in Buffalo and surrounding areas. A discount may be available for bundling car insurance with homeowners and other personal insurance, such as motorcycle and RV.

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Liberty Mutual

Liberty Mutual

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(844) 332-2089

Liberty Mutual carries auto, home, renters and condo insurance, which can be bundled for a discount. Local agents are available in Buffalo, but business can be conducted by telephone or online as well. Staff in the Williamsville office are active in the community and have awarded Firemark Awards to local firefighters since 2005.

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The General

The General

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(844) 332-2089

The General offers insurance to residents in and around Buffalo. The General specializes in low rates and providing coverage to drivers who may have difficulty obtaining affordable insurance. Drivers who require an SR-22 form, have allowed their coverage to lapse or have a history of accidents are encouraged to apply.

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Willoughby Insurance

Willoughby Insurance

Willoughby Insurance is a provider limited to Buffalo and Western New York and offers discounted rates to Buffalo drivers. Auto, home, life, renters, business and motorcycle insurance policies are available. With the slogan, “Willoughby Will When Nobody Will,” the company accepts drivers regardless of accident history. Many reviewers report savings of $100 or more per month.

Walsh Duffield Companies

Walsh Duffield Companies

Walsh Duffield Companies sells insurance in Buffalo, Rochester and Medina. This family-owned business offers auto, home, life, disability and other lines of coverage. Reviewers give the Buffalo-based company more than 4 out of 5 stars.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.