How Much is Car Insurance in Buffalo?
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 New York car insurance will depend on things like your age, gender, and driving history.
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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.
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.
Buffalo Car Insurance Rates by Zip Code
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.
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.
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Buffalo Car Insurance Rates by Age
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’s or above.
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Discounts for Car Insurance in Buffalo
There are a variety of discounts that could save you money on car insurance in Buffalo. Some popular discounts offered by Freeway Insurance include:
Good student discount
Good driver discount
What are the Penalties for Driving Without Insurance in Buffalo?
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 SR-22 insurance 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.
Get a Buffalo Car Insurance Quote Today
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’t have insurance, you could face steep fines and the potential for out-of-pocket expenses after an accident.
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 online or contact a Buffalo office near you. You can also call us at (800) 777-5620 for a quote.