Car Insurance Rates are down in Buffalo area – here’s a breakdown based on zip codes – where do YOU fall?

March 9, 2018

Written By

Mary Friona Celani

What do you want first? The good news or the bad news?


Okay, we’ll go with the bad news.

Car insurance rates are at an all-time high in the U.S., and rates are rising.
And now the good news.
However, in the Buffalo metro area, car insurance rates are actually down 3% since 2011, bucking the national trend of a 20% average increase in rates.
A recent study by The Zebra revealed current average annual auto insurance premiums for:
  • Buffalo metro area: $1,446 (47th most expensive city in the U.S.)
  • New York City: $2,226
  • Albany: $1,227
  • New York (state): $1,582 (13th most expensive state in the U.S.)
  • U.S.: $1,427

Here are the Buffalo area zip codes that pay the most for car insurance: 

1. Buffalo 14211 – $1,892
2. Buffalo 14204 – $1,879
3. Buffalo 14208 –  $1,861
4. Buffalo 14203 – $1,832
5. Buffalo 14213 – $1,832
6. Buffalo 14215 – $1,819
7. Buffalo 14201 – $1,818
8. Buffalo 14209 – $1,805
9. Buffalo 14202 – $1,791
10. Buffalo 14212 – $1,773


And the ones that pay the least:
1. North Tonawanda 14120 – $1,266
2. Sanborn 14132 – $1,271
3. Tonawanda 14150 – $1,272
4. Lancaster 14086 $1,274
5. Appleton 14008 $1,281
6. Lockport 14094 $1,284
7. Lawtons 14091 $1,286
8. Hamburg 14075 $1,288
9. Middleport 14105 $1,290
10. Lewiston 14092 $1,291

The state and city you live in plays a huge role in how much you pay for car insurance. In fact, insurance companies take all of the following into consideration when setting rates for their policies:

  • Number of claims in your area: This is kind of a no-brainer, because more claims equal more payouts for insurance carriers–and of course they pass some of that on to their paying customers
  • Population Density where you live: More cars on the road equals a higher potential for accidents
  • Climate and weather: Rough winters with ice and snow as well as hailstorms and floods all translate into higher claims and premiums
  • Crime rates (theft/vandalism): Higher crime rates, especially property crimes like car break-ins, car theft and vandalism, mean higher premiums
  • Unemployment levels:  In areas with higher unemployment, more people forgo auto insurance, which means those who have insurance end up paying more when hit by an uninsured motorist
  • Road conditions: Intersections known to be dangerous and potholes that can cause damage also fuel increased insurance costs
  • Availability of public safety services: Cities that enforce traffic laws aggressively and have faster response times are considered safer and therefore less expensive for auto insurance companies than areas that aren’t as safe
  • Litigation activity: If your town or city has a higher-than-average number of attorneys, be prepared to pay more for your car insurance





About Me

Welcome to Totally Buffalo! My name is Mary Friona-Celani and I am the creator of this site! After spending 20 years in the Buffalo media, I moved on to focus on my beautiful family. Now, the time has come for a new project. I was ready for something new. Something mine.
I am born and raised in WNY and my pride runs deep. My husband, Scott and I are very happy to be raising our four daughters here.






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