{"id":32959,"date":"2021-09-23T14:44:09","date_gmt":"2021-09-23T21:44:09","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=32959"},"modified":"2023-09-19T10:21:31","modified_gmt":"2023-09-19T17:21:31","slug":"buffalo","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/new-york\/buffalo\/","title":{"rendered":"Car Insurance in Buffalo"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61324ef1efeae\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Buffalo has a vibrant nightlife and a list of notable architectural accomplishments, including the second-highest number of Frank Lloyd Wright homes in the United States.<\/p>\n<p>Unfortunately, the city is also home to an unusually high number of traffic accidents. These collisions can have a detrimental impact on your physical and financial health. Thankfully, the appropriate level of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">auto insurance<\/a> coverage could help you avoid any hardship following a crash.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>The population of Buffalo was 256,480 as of 2019.<\/li>\n<li>Buffalo drivers are involved in an accident on average every 7.9 years. The national average is 10.57 years.<\/li>\n<li>The average cost of car insurance in Buffalo is $1,699.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_61325324efeaf\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much is Car Insurance in Buffalo?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p class=\"FirstParagraph\">The average cost of car insurance in Buffalo is $1,699. That amount is roughly in line with the average cost of coverage throughout New York, but it is notably higher than the national average. It is worth remembering that your premiums might not match the average, depending on the factors in your life. The specific cost of your <a href=\"https:\/\/www.freeway.com\/auto-insurance\/new-york\/\">New York car insurance<\/a> will depend on things like your age, gender, and driving history.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Average Annual Premium<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Hempstead<\/td>\n                                                                                            <td>$3,133<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Yonkers<\/td>\n                                                                                            <td>$2,373<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td><strong>Buffalo<strong><\/strong><\/strong><\/td>\n                                                                                            <td><strong>$1,699<strong><\/strong><\/strong><\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Syracuse<\/td>\n                                                                                            <td>$1,479<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_613253ccefeb0\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>There are other rating factors that apply to your premiums as well, including the type of car you drive and your zip code. Younger drivers with multiple previous accidents will likely pay more than older drivers with a clean record.<\/p>\n<p>The most important thing is to ensure that you have the right amount of insurance coverage if an accident happens. If you are at fault for a collision, you could be held responsible financially for any damage you cause. Your liability insurance could protect you from these third-party claims.<\/p>\n<h3 style=\"text-align: left;\">Buffalo Car Insurance Rates by Zip Code<\/h3>\n<p>You might be surprised to learn that your zip code could play an important part in determining the cost of your car insurance. Studies have shown that accidents are more likely in certain zip codes compared to others. For that reason, the ZIP code you live in can raise or lower the cost of your insurance.<\/p>\n<p>As the second-largest city in New York, Buffalo covers 30 ZIP codes. Understanding the rates that apply to these ZIP codes could show you what your policy might cost.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Average Car Insurance Rate<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>14201<\/td>\n                                                                                            <td>$3,080<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14202<\/td>\n                                                                                            <td>$3,070<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14203<\/td>\n                                                                                            <td>$3,135<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14204<\/td>\n                                                                                            <td>$3,156<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14206<\/td>\n                                                                                            <td>$2,764<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14207<\/td>\n                                                                                            <td>$2,948<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14208<\/td>\n                                                                                            <td>$3,081<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14209<\/td>\n                                                                                            <td>$3,066<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14210<\/td>\n                                                                                            <td>$2,764<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>14211<\/td>\n                                                                                            <td>$3,175<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section \" id=\"tables-block_6132576cefeb1\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Buffalo Car Insurance Rates by Age<\/h3>\n<p class=\"FirstParagraph\">The age group, a driver, falls into is a major factor in determining the cost of liability insurance. Generally, younger drivers will face the highest premiums. Those premiums will fall over time but increase again from drivers in their 70\u2019s or above.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average Car Insurance Rate<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$5,422<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$2,253<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$1,688<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$1,661<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$1,600<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$1,647<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$1,901<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_6132581defeb2\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Buffalo<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Occur in Buffalo?<\/h3>\n<p class=\"FirstParagraph\">In 2019, there were a total of 13 traffic fatalities in Buffalo. These fatalities occurred in 12 separate collisions and involved 20 different vehicles. Four of those fatalities occurred at the hands of a drunken driver.<\/p>\n<h3 style=\"text-align: left;\">How are the Road Infrastructure and Bridges in Buffalo?<\/h3>\n<p class=\"FirstParagraph\">Like most cities, Buffalo is constantly seeking to improve their infrastructure. In 2021, Buffalo completed a multimillion-dollar <a href=\"https:\/\/www.wivb.com\/news\/local-news\/buffalo\/city-of-buffalo-officials-provide-update-on-street-infrastructure-projects\/\" target=\"_blank\" rel=\"noopener\">paving project<\/a> covering major roadways in town. The Mayor of Buffalo also <a href=\"https:\/\/www.nlc.org\/article\/2021\/05\/03\/buffalo-mayor-gives-congress-pointers-on-infrastructure-and-american-competitiveness\/\" target=\"_blank\" rel=\"noopener\">testified before Congress<\/a> on the growing infrastructure needs of American cities.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61325891efeb3\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Buffalo<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p class=\"FirstParagraph\">Every state\u2014including New York\u2014has a minimum level of liability insurance that drivers must carry. This insurance serves to protect other drivers from negligent drivers. These insurance minimums include:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>$25,000 for bodily injuries per person<\/li>\n<li>$50,000 for bodily injuries per accident<\/li>\n<li>$20,000 for property damage per accident<\/li>\n<\/ul>\n<p>Unlike most other states, New York also requires uninsured motorist coverage. This coverage kicks in when a driver is injured by a motorist that is uninsured or underinsured. The minimum level of coverage is $25,000 for bodily injuries per person and $50,000 for bodily injuries per accident. The state also mandates at least $50,000 in personal injury protection or PIP.<\/p>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_613258ceefeb4\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Buffalo Car Insurance Rates<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p class=\"FirstParagraph\">There are numerous factors that could impact the cost of your car insurance. Each of these factors will combine to determine the final cost of your premiums. Over time, your rates could go down as you improve in certain categories. Some examples of these factors include:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Age<\/li>\n<li>Gender<\/li>\n<li>Zip Code<\/li>\n<li>Credit Score<\/li>\n<li>Type of Vehicle<\/li>\n<li>Driving Record<\/li>\n<li>Marital Status<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_6136768a1c6d1\" class=\"c-section \">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in Buffalo<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>There are a variety of discounts that could\u00a0<a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/11-money-saving-tips-lower-auto-insurance-premiums\/\">save you money on car insurance<\/a> in Buffalo. Some popular discounts offered by Freeway Insurance include:<\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/09\/Icons_Opportunity_699-2.svg\" alt=\"Orange icon of a document with a checklist\">\n                            <p class=\"c-saving-features__list-text\">Multi-policy discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\">Anti-theft discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <p class=\"c-saving-features__list-text\">Military discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <p class=\"c-saving-features__list-text\">Good student discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/good-driver.svg\" alt=\"Blue icon of a blue car\">\n                            <p class=\"c-saving-features__list-text\">Good driver discount<\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_61325928efeb6\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What are the Penalties for Driving Without Insurance in Buffalo?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p class=\"FirstParagraph\">There are stiff penalties that come with driving without insurance in Buffalo. A conviction could cost you a fine between $150 and $1,500 and even 15 days in jail. Additionally, the state has the power to impound your vehicle if you are found to have not obtained the necessary insurance coverage. You might also be required to maintain <a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\">SR-22 insurance<\/a> in the future. These penalties are typically lower if you had coverage at the time of your ticket but simply failed to have proof in your possession.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_613259c0efeb7\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block  \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Buffalo Car Insurance Quote Today\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/09\/buffalo.jpg\" alt=\"Downtown Buffalo skyline along the historic waterfront district at night\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>Car insurance is a key part of protecting yourself and your family. While state law requires drivers to maintain minimum levels of liability insurance, you will find that this coverage plays an important part in securing your peace of mind. If you don\u2019t have insurance, you could face steep fines and the potential for out-of-pocket expenses after an accident.<\/p>\n<p>The good news is that Freeway Insurance is here to help you find the right coverage for the right price. To get started, request a free quote <a href=\"#modal-turbo\">online<\/a> or contact a <a href=\"https:\/\/locations.freeway.com\/?search=Buffalo%2C+NY&#038;latitude=&#038;longitude=&#038;radio=20&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">Buffalo office<\/a> near you. You can also call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote.<\/p>\n                <\/div>\n                                    <div class=\"c-sections__list-column\">\n                                            <\/div>\n                                                                                <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  target=\"_self\"  >\n                                                                            Get Started                                        <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25493,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32959"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=32959"}],"version-history":[{"count":22,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32959\/revisions"}],"predecessor-version":[{"id":44891,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/32959\/revisions\/44891"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25493"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=32959"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}