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Cheapest Auto Insurance in Buffalo, NY

Buffalo is the second most famous city in the state of New York – New York City being the first. Many people opt to live in Buffalo to avoid the high-paced lifestyle and constant smog present in the Big Apple. While Buffalo is significantly smaller than New York City, the area still has a thriving economy and even hosts an NFL franchise – the Buffalo Bills. If you’re one of the many residents that calls Buffalo home, it’s important to ensure that your car has a solid insurance policy.

Residents in Buffalo don’t have the luxury of the subway in New York City – cars are a primary form of transport. In this article, we’ll help you understand how to find the best rate car insurance quotes on the market. We’ll also help you better understand local road rules and laws to help you avoid any serious problems on the road. Go ahead and get a quote for car insurance now and start saving!

Buffalo: Driving Conditions in the City

During the summer, Buffalo residents don’t have too many hazards to contend with. Traffic isn’t a major issue – the warmer months can be quite pleasant for those contemplating a drive around town. But during the winter, everything changes – Buffalo experiences heavy snowfall that can have a serious impact on your ability to drive.

Heavy snow, sleet, and ice all create serious issues for people who plan on driving in the city. If you want to be as safe as possible, it’s important that you keep track of local weather reports and warnings. Take precautions as seriously as you can – there is no point in risking an accident because the weather is harsh.

Driving Safely in Buffalo, New York

If you want to drive safely in Buffalo, you’ll need to be mindful of the weather – especially during winter months. But you’ll also need to be careful about local laws and regulations. These laws are in place to keep you and your family as safe as possible. Obeying them can help you avoid accidents and fines from local authorities. In addition, insurance companies prefer clients who have clean records.

In this section, we’ll take a look at some of the local rules and regulations dominating the space in Buffalo, New York – check them out below:

Phone/Handheld Laws in Buffalo

The state of New York does not play around when it comes to charging people for using their handheld devices. Distracted driving is an increasingly common problem on many American roads, and New York is aiming to rectify this by making use of a cell phone illegal. Not only are you banned from texting, you are also restricted from making calls or using your mobile phone for any other purpose. Fines can start at $200 – you may pay more if you have been caught a second or third time.

Seatbelt and Car Seat Laws in Buffalo

If you are driving a vehicle or sitting in the front passenger seat, it’s important that you wear a seatbelt at all times. Not doing so is illegal. If you are in the back seat, you don’t technically have to wear a seatbelt if you’re over the age of 16. All passengers under the age of 16 must have a seatbelt on at all times.

In terms of car seats, children under the age of four must use a traditional, secured car seat. Those under the age of eight must use a booster seat. Make sure to follow these rules carefully – the safety of your children should be your top priority.

Helmet Laws in Buffalo

If you drive a motorcycle in the state of New York, you have to wear a helmet at all times. This includes people who are passengers as well. While other states sometimes allow you to ride a motorcycle without a helmet, this is extremely unadvisable. Motorcycle accidents can occur at very high speeds – it’s important to wear a helmet whenever you are operating a motorcycle.

Alcohol and Drug Laws (Driving)

There are different blood alcohol concentration limits for different people in the state of New York. If you are a driver over the age of 21 and you operate a consumer vehicle, you can be given a DUI if your BAC is .08 or higher. If you are operating a commercial vehicle, you will be given a DUI if your BAC is .04 or higher. If you are under the age of 21, you will be given a DUI if your BAC is .02 or higher.

There are mandatory penalties for your first DUI, including a $500 to $1,000 fine, a potential jail term of up to a year, and license suspension for up to six months. If you are a repeat offender, the punishment you receive will be much higher. Eventually you may find yourself facing serious jail time via felony charges. Keep this mind – it’s never worth driving under the influence. Impaired driving is one of the leading causes of death on the road, don’t put yourself or other drivers at risk!

Cheapest Auto Insurance in Buffalo New York

Buffalo Statistics

In the state of New York, there are typically over 1,000 deaths every year on the roads. On top of this, there are typically over 12,000 hospitalizations due to traffic accidents. As you can see, there are plenty of reasons to be careful on New York roads if you’re going to drive. Given that many people living in New York City don’t own cars (the subway acts as transport), these numbers may be even worse than they appear. Stay careful when on roads in Buffalo and surrounding areas.


Using our website to find an insurance quote can help you get the cheapest car insurance in NY. It can be hard finding a company that offers good rates and solid policies, but we have a host of different partners you can opt to work with. Make sure that you purchase a policy that helps you avoid costs associated with risks in your area. For example, if car theft is a problem in your neighborhood, make sure this problem is covered by your policy.

If you’d like to learn more about insurance, make sure to check out some of our other pages! Also fill out our fast form and get free auto insurance quotes then compare them for the best rate possible.

Car Insurance Companies in Buffalo

Cheapest Auto Insurance in Buffalo,New York

Map data © 2018 Google.


Freeway Insurance

1832 Main St #1, Buffalo, NY 14208, USA

(716) 588-0715


Willoughby Insurance

1994 Seneca St, Buffalo, NY 14210, USA

(716) 827-0500


Nationwide Insurance: Cynthia Woltz Insurance Agency Inc

1926 clinton, Buffalo, NY 14206, USA

(716) 822-6874


TLC Brokerage

1660 Kensington Ave, Buffalo, NY 14215, USA

(716) 427-6922


Willoughby Insurance

1523 Main St, Buffalo, NY 14209, USA

(716) 885-8100


Centinello Insurance Agency LLC

1274 Bailey Ave, Buffalo, NY 14206, USA

(716) 893-4332

No website found

Auto Body Shops in Buffalo

Auto Body Shops in Buffalo,New York

Map data © 2018 Google.


World Auto Paint Shops of Buffalo Inc

1114 Main St, Buffalo, NY 14209, USA

(716) 884-6880

No website found


American Auto Body

1670 Kenmore Ave, Buffalo, NY 14216, USA

(716) 873-4624

No website found


Allstate Auto Claims Repair Center

290 South Park Ave Suite 3, Buffalo, NY 14204, USA

(716) 848-4800


Bingie's Auto Repair

458 Englewood Ave, Buffalo, NY 14223, USA

(716) 832-0069

No website found


Crown Collision Service Inc.

1719 William St, Buffalo, NY 14206, USA

(716) 895-3735


Nirelli's Auto Service & Collision

1512 Main St, Buffalo, NY 14209, USA

(716) 884-5030

No website found

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