Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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Seated on the shore of Lake Erie, Buffalo is the second most populated city in the state of New York. Also known as the “City of Light,” due to being one of the first cities in the world with electric streetlights, Buffalo is known for its cold weather and industrial history. While the city of Buffalo isn’t as booming as it once was, the population in the area is still rather high.

If you are a Buffalo resident, chances are you need to drive in order to get around. Although Buffalo is a rather large metropolitan area, public transit is lacking. Combine this with the high population of the Buffalo-Niagara metropolitan area, and this means that there are a lot of cars on the road.

As with every other city in the United States, drivers in Buffalo need auto insurance. While auto insurance is required by law in New York state with minimums of 25/50/10 (which means $25,000 bodily injury coverage, $50,000 death coverage, and $10,000 property damage coverage), you’ll quickly find that you might need more than just these minimums if you plan on driving in Buffalo.

The reason we recommend more than bare minimum car insurance coverage for Buffalo residents is that theft and crash statistics in the city are rather high. The average number of vehicle thefts stands at around 2,200, which equates to around 760 thefts per 100,000 vehicles. As for accident statistics, average rates show 13 annual fatalities, which include 7 fatalities from drunk drivers.

Cheap Auto Insurance In Buffalo

Like stated above, we at 4AutoInsuranceQuote.com recommend more than the state minimums auto insurance requirements for Buffalo residents. If you are looking for adequate coverage in the area, you might find auto insurance rates to be extremely high and even unaffordable. As with most other major northeast cities in the US, Buffalo insurance rates can be quite expensive. By comparing rates and shopping around, however, you will be able to find insurance rates at a price you can afford.

Plug your Buffalo, NY zip code in the box at the top of this page and fill out our brief form about yourself and your vehicle. Following completion of our questionnaire, you will be presented with the most competitive car insurance prices from the most reputable insurance providers in the Buffalo area.

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Buffalo, NY Car Insurance Agents

If you would like to call around and get quotes yourself, however, we also give you that option. Below is a list of trusted car insurance agents and brokers in the area:

A & A Insurance Services
3124 Bailey Ave
Buffalo, NY 14215
(716) 834-2990

A C Sorrento Agency
367 Delaware Ave
Buffalo, NY 14202
(716) 856-3556

Able Insurance Agency
1798 Main St
Buffalo, NY 14208
(716) 883-5212

Allwrite Insurance
1228 Walden Ave
Buffalo, NY 14211
(716) 893-3809

Axxcess Insurance Agencies
4550 Bailey Ave
Buffalo, NY 14226
(716) 833-1131

Becker Able Agency
2476 Elmwood Ave
Buffalo, NY 14217
(716) 871-7014

Broadway Insurance Agency
1274 Bailey Ave
Buffalo, NY 14206
(716) 893-1907

Brown & Herzog Agency
8810 Main St
Buffalo, NY 14221
(716) 896-7990

C John Crane
670 Abbott Rd
Buffalo, NY 14220
(716) 823-6230

Cascio Insurance Agency
906 Abbott Rd
Buffalo, NY 14220
(716) 822-8003

Cassetta Agency
810 Kenmore Ave
Buffalo, NY 14216
(716) 876-7718

Centinello Insurance
1274 Bailey Ave
Buffalo, NY 14206
(716) 893-4332

CIA – Byrne Insurance Agency
480 Abbott Rd
Buffalo, NY 14220
(716) 825-4100

Clark Taylor & Krasner
8810 Main St
Buffalo, NY 14221
(716) 683-0022

Consolidated Insurance Agents / Carolyn Mazzara
1201 Colvin Blvd
Buffalo, NY 14223
(716) 477-7894

Dan Hawrylczak
1335 Hertel Ave
Buffalo, NY 14216
(716) 873-3771

David W Miller
3770 Harlem Rd
Buffalo, NY 14215
(716) 883-3000

Debra R Hamsher Agency
1101 Niagara Falls Blvd
Buffalo, NY 14226
(716) 833-1900

Dennis Evchich Agency
826 Tonawanda St
Buffalo, NY 14207
(716) 875-7576

Direct-Link Holding Group
2316 Delaware Ave Ste 268
Buffalo, NY 14216
(905) 508-2300

E T Clauss & Company
735 Delaware Ave
Buffalo, NY 14209
(716) 886-6600

Eastern General Insurance
1832 Main St
Buffalo, NY 14208
(716) 883-3030

Eastern General Insurance
1578 Broadway St
Buffalo, NY 14212
(716) 895-6000

Edmund D Stevens
374 Delaware Ave
Buffalo, NY 14202
(716) 856-3387

First Niagara Risk Management
726 Exchange St Ste 900
Buffalo, NY 14210
(716) 819-5500

Frank R Pelosi Jr
165 Cleveland Ave
Buffalo, NY 14222
(716) 882-0909

Franz-Manno Service
5700 Main St
Buffalo, NY 14221
(716) 631-2404

Frederick J Meka
1926 Clinton St
Buffalo, NY 14206
(716) 822-6874

Ghassan S Bitar
656 N French Rd Ste 1
Buffalo, NY 14228
(716) 839-1300

Gurney Becker & Bourne Agency
560 Delaware Ave Rm 200
Buffalo, NY 14202
(716) 849-1234

Gurney, Becker & Bourne
237 Main St Ste 700
Buffalo, NY 14203
(716) 626-0004

Hatch Leonard Naples
340 Delaware Ave
Buffalo, NY 14202
(716) 854-9121

Hilb, Rogal & Hobbs
344 Delaware Ave
Buffalo, NY 14202
(716) 856-1100

Jerome Walters Agency
3871 Harlem Rd
Buffalo, NY 14215
(716) 833-8500

John Kasperek
2156 S Park Ave
Buffalo, NY 14220
(716) 822-2241

John Obstarczyk Insurance Agency
16 Lake Ave
Buffalo, NY 14219
(716) 823-1801

Joseph L Noto Agency
3710 Delaware Ave
Buffalo, NY 14217
(716) 877-1250

Kathleen Wilkie
488 Niagara St
Buffalo, NY 14201
(716) 854-2711

Keller Group
2635 Delaware Ave
Buffalo, NY 14216
(716) 837-0111

Kevin K Conley
2521 Niagara Falls Blvd
Buffalo, NY 14228
(716) 691-4000

Lapenna Agency
3835 Harlem Rd
Buffalo, NY 14215
(716) 838-1880

Lawley Service
361 Delaware Ave
Buffalo, NY 14202
(716) 849-8618

Linda M Hoffman
2564 Bailey Ave
Buffalo, NY 14215
(716) 896-3366

Lou Santiago
555 Niagara St
Buffalo, NY 14201
(716) 883-5500

M & T Insurance Agency
285 Delaware Ave Ste 4000
Buffalo, NY 14202
(716) 853-7960

Marty Scherrer
2161 Sheridan Dr
Buffalo, NY 14223
(716) 876-4767

Marylou L Gallego
471 Niagara St
Buffalo, NY 14201
(716) 854-2800

Moss & Sullivan
2635 Delaware Ave Ste G
Buffalo, NY 14216
(716) 633-8676

Mullen Kane & Krieger
295 Main St
Buffalo, NY 14203
(716) 856-8960

Niagara County Insurance Agency
1171 Delaware Ave
Buffalo, NY 14209
(716) 881-6666

Niagara National
5001 Genesee St
Buffalo, NY 14225
(716) 684-6000

Northeast Agencies
2495 Main St Ste 209
Buffalo, NY 14214
(716) 837-8804

Overdorf Associates Agency
445 Abbott Rd
Buffalo, NY 14220
(716) 822-9990

Pag Agency
1660 Kensington Ave
Buffalo, NY 14215
(716) 835-3221

Paul H Wolf III
2306 Delaware Ave
Buffalo, NY 14216
(716) 873-9653

R & M Insurance Agency
2916 William St
Buffalo, NY 14227
(716) 892-5154

Rambuss-Krochmal Agency
3871 Harlem Rd
Buffalo, NY 14215
(716) 833-8500

Roland A Cannizzaro
271 Ontario St
Buffalo, NY 14207
(716) 876-0343

Russell Bond & Company
295 Main St Rm 866
Buffalo, NY 14203
(716) 856-8220

Sardinia Associates
801 Main St
Buffalo, NY 14203
(800) 348-0440

Smith Greene Agency
2635 Delaware Ave
Buffalo, NY 14216
(716) 877-1881

Suleman & Associates
1137 Kensington Ave
Buffalo, NY 14215
(716) 834-8113

Tamaris Lott
2631 Main St
Buffalo, NY 14214
(716) 835-9393

The Decker Agency
37 Elmwood Ave
Buffalo, NY 14201
(716) 883-1455

The Keller Group
2635 Delaware Ave
Buffalo, NY 14216
(716) 877-5500

Thomas F Friedman Agency
1940 Eggert Rd
Buffalo, NY 14226
(716) 836-5900

Walsh Duffield Company
Po Box 5159
Buffalo, NY 14240
(888) 472-2872

Walsh Insurance Group
801 Main Street
Buffalo, NY 14203
(716) 853-3820

Willoughby Insurance
1523 Main St
Buffalo, NY 14209
(716) 885-8100

Willoughby Insurance
1994 Seneca St
Buffalo, NY 14210
(716) 827-0500

Wlos Insurance Agency
3620 Harlem Rd
Buffalo, NY 14215
(716) 836-8500