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Cheapest car insurance in Buffalo, New York (Nov 2024)
Cheapest car insurance in Buffalo, New York (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Buffalo, New York.
Find Insurance Savings
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Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Buffalo
- Best car insurance companies in Buffalo
- Best cheap car insurance quotes in Buffalo
- Average cost of car insurance in Buffalo
- Car insurance quotes in Buffalo by rating factors
- How do different factors impact your car insurance costs in Buffalo?
- Cheap car insurance quotes in Buffalo after driving violations
- Cheap car insurance quotes in Buffalo by age group
- Cheap car insurance quotes in Buffalo based on insurance history
- Cheap car insurance quotes in Buffalo for popular cars
- How to lower car insurance costs in Buffalo
- FAQ
- Methodology
- Sources
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Buffalo
Buffalo is the home of the Bills, the humble chicken wing—and some of the highest
car insurance
rates in New York State
. That’s right—while New York City takes the crown for the most expensive car insurance in the Empire State, Buffalo isn’t far behind. Local drivers pay around $254 per month for full coverage insurance and $145 per month for state minimum coverage—roughly 20% more than the state average.
Heavy winters and a troubling motor vehicle theft trend contribute to Buffalo’s high car insurance prices—but drivers can combat those risk factors by shopping around for the best rates. Independent brokers like
Jerry
offer easy access to the cheapest rates on Buffalo car insurance, along with industry knowledge that can help you make the best pick. The table below shows real quotes that drivers found from Buffalo-area auto insurance companies in the past month using the Jerry app.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $250 | Gussie, 37 Zip: 14217 | Subaru Crosstrek Premium | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $162 | Carolyn, 32 Zip: 14222 | Toyota Camry SE | • State Minimum Liability • Comp / Collision |
| Nationwide | $125 | Clifford, 64 Zip: 14215 | Dodge Grand Caravan SE | • State Minimum Liability • Comp / Collision |
| Allstate | $159 | Lewis, 40 Zip: 14220 | Toyota Highlander LE | • 100,000/300,000 Liability • Comp / Collision |
Gainsco | $134 | Tommy, 50 Zip: 14214 | Honda CR-V EX | • State Minimum Liability |
Last Updated Nov 18, 2024Best car insurance companies in Buffalo
No single company has the best rates for every driver in Buffalo—and the price of a policy isn’t the only thing that matters.
To help drivers in Buffalo find the right insurance company, Jerry conducted a nationwide survey of over 15,000 drivers, asking policyholders to rate their insurance company on costs, claims handling, customer service, and the ease of getting and renewing a policy.
We combined the findings of the survey with real quote data from Buffalo-area drivers and found 10 companies that charge less than the citywide average for full coverage while receiving an overall score of 4 stars or higher in our customer survey.
Insurance company | Average annual full coverage rate in Buffalo | Jerry user rating |
|---|---|---|
NYCM Insurance | $2,259 | 5 stars |
Embark General | $1,973 | 4.6 stars |
$2,011 | 4.6 stars | |
$2,077 | 4.6 stars | |
$1,842 | 4.5 stars | |
$2,170 | 4.5 stars | |
$1,460 | 4.3 stars | |
$1,613 | 4.2 stars | |
$2,110 | 4.2 stars | |
$3,028 | 4.1 stars |
While well-known providers like Allstate and Nationwide received decent ratings, their prices were higher than some smaller local providers—and several big names, like GEICO, USAA, and State Farm, didn’t even make the cut. That doesn’t mean you can’t find good rates and good service from these companies—but our study shows that the cheapest car insurance companies are often the ones you’ve never heard of.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Buffalo
Drivers in Buffalo are legally required to carry New York’s minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP)—but you may want to consider full coverage for added financial protection.
At Jerry, our insurance agents recommend an auto insurance policy with full coverage and liability limits of 100k/300k/100k for most Buffalo drivers to account for the risks of winter weather and auto theft.
Cheap minimum liability insurance quotes in Buffalo
As per
New York car insurance laws
, Buffalo drivers must carry the state’s minimum coverage limits to legally drive on NY roads.The state’s minimum car insurance coverage includes:
- $50,000 of bodily injury liability coverage per accident
- $50,000 per person/$100,000 per accident of death benefit coverage
- $25,000 per person / $50,000 per accident of bodily injuryuninsured motorist coverage
As of August 2023, all New York insurers will automatically include supplemental spousal liability insurance in all new car insurance policies unless this coverage is rejected in writing using the
Declination Form
.2 Minimum coverage is the cheapest auto insurance available in Buffalo. For examples of what minimum coverage could cost you, check out the real quotes below.
Jon (31 years old)
$166
per month
Clifford (64 years old)
$125
per month
Ora (39 years old)
$88
per month
Do you need more than minimum coverage in Buffalo?
New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea for Buffalo drivers.
Buffalo winters make full coverage auto insurance a non-negotiable for most drivers. State minimum insurance won’t cover any damage to your car, and unless you can afford to replace your car out of pocket or go without it for a while, a policy with collision and comprehensive coverage is a sound investment.
Cheap full coverage car insurance quotes in Buffalo
New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full-coverage car insurance is the way to go.
- Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident
- Comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages
Typically, leased or financed vehicles require collision and comprehensive coverage.
Browse the table below to see how Jerry’s agents recently helped Buffalo customers obtain affordable full coverage policies.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $250 | Gussie, 37 Zip: 14217 | Subaru Crosstrek Premium |
• State Minimum Liability • Comp / Collision | Safeco | $162 | Carolyn, 32 Zip: 14222 | Toyota Camry SE |
• 100,000/300,000 Liability • Comp / Collision | AAA | $293 | Isaac, 51 Zip: 14043 | Jeep Cherokee Sport |
• State Minimum Liability • Comp / Collision | Nationwide | $125 | Clifford, 64 Zip: 14215 | Dodge Grand Caravan SE |
• State Minimum Liability • Comp / Collision | Bristol West | $525 | Danny, 34 Zip: 14216 | GMC Terrain SLE |
Last Updated Nov 18, 2024
"We went from paying $140 to $100 for our insurance while still having full coverage for our car. I was pretty skeptical since we had to switch from Geico to Progressive and I’m used to usually seeing the best offers from only Geico.
I definitely recommend Jerry, you really have nothing to lose in exploring options that you never knew were available."
Edwin R.
Average cost of car insurance in Buffalo
A full coverage car insurance policy in Buffalo costs an average of $254 per month, or $3,043 per year. That’s 20% higher than the state average of $2,533 per year, and 67% higher than the national average of $1,827.
Even state minimum coverage is more expensive in Buffalo, thanks to New York’s steep no-fault requirements. A state minimum policy costs Buffalo drivers an average of $1,745 per year, or $145 per month—over twice the national average for minimum coverage.
With Buffalo’s low overall cost of living, why is auto insurance so expensive? It comes down to two key factors skewing insurance rates in the Queen City: treacherous winters and rising auto theft rates.
Buffalo winters drive up auto insurance costs
Buffalo’s winters are legendary—and not always in a good way. Stephen Vermette, professor of Geography at SUNY Buffalo State & Research Associate for Buffalo Society of Natural Sciences, ran
a complete analysis of Buffalo’s snowfall data
from 1965 to 2022 and found that:3 - Buffalo sees an average of 94.7 inches of snowfall per year—nearly twice the state average of 55.3 inches.4
- From November to March, Buffalo has an average of 70.7 days with at least one inch of snow cover.
- Buffalo averages 6.5 lake effect snow events with at least seven inches of snow per year.
Even though most Buffalo drivers are pros at navigating snowy roads, major snowstorms cause unavoidable threats to property—including your covered auto. Icy roads also increase the risk of car accidents, adding to the cost of both liability and full coverage insurance.
Motor vehicle thefts are on the rise in Buffalo
Year | 2022 | 2021 | 2020 |
|---|---|---|---|
Total motor vehicle thefts | 2,840 | 2,558 | 2,478 |
But in 2023, something changed. In May, the Buffalo Police Department reported that auto thefts had tripled from the previous year, with over 1,000 thefts reported in the first five months of the year alone.7 In mid-July, the Council on Criminal Justice reported a 135% increase in motor vehicle thefts in Buffalo from the first half of 2022 to the first half of 2023.8 And finally, in November, Buffalo police again reported an uptick in Hyundai and Kia thefts.9
Experts still don’t understand what’s behind Buffalo’s sudden car theft problem—but insurers are taking note. The high cost of comprehensive insurance in Buffalo reflects insurance companies’ fears of losing money on stolen car claims.
Average cost of car insurance in Buffalo by zip code
The cost of car insurance in Buffalo can greatly differ depending on your specific zip code. Each individual zip code within Buffalo has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
14043 | $109 | $215 |
14206 | $191 | $365 |
14210 | $170 | $208 |
14213 | $167 | $218 |
14214 | $141 | $268 |
14216 | $150 | $355 |
14217 | $73 | $146 |
14218 | $101 | $180 |
14220 | $158 | $181 |
14221 | $137 | $143 |
14222 | $69 | $178 |
14223 | $119 | $148 |
14224 | $116 | $183 |
14225 | $122 | $199 |
14226 | $96 | $181 |
14227 | $122 | $212 |
Car insurance quotes in Buffalo by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Buffalo?
How do different factors impact your car insurance costs in Buffalo?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more about the car insurance rating factors in Buffalo:
Cheap car insurance quotes in Buffalo after driving violations
Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:
Cheapest car insurance in Buffalo after speeding ticket
Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a
speeding ticket
will typically increase your car insurance premiums. Despite this, many drivers with varying speeding tickets have used Jerry to save on car insurance.| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 11-15 | Allstate | $313 | Owen, 28 Zip: 14211 | Tesla Model 3 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 16-20 | Bristol West | $220 | Lela, 22 Zip: 14221 | Ford Mustang | • State Minimum Liability |
Speeding 21+ | Progressive | $225 | Ricky, 23 Zip: 14215 | Jeep Grand Cherokee Laredo | • State Minimum Liability |
Last Updated Nov 20, 2024Cheapest car insurance in Buffalo after DUI
A
DUI violation
will certainly skyrocket your car insurance rate in Buffalo. New York laws strictly prohibit driving under the influence and a single offense is enough to significantly increase your premiums.While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
Jerry has successfully assisted countless drivers in acquiring cost-effective auto insurance rates following a DUI incident.
Tommy (29 years old)
$212
per month
Donald (41 years old)
$447
per month
Jeanette (38 years old)
$306
per month
Cheapest car insurance in Buffalo after an at-fault accident
Car accidents
on your claim history can significantly impact your car insurance rates in Buffalo. This is because insurance providers look at your at-fault accidents to assess the level of risk you pose as a policyholder. Even though New York is a
no-fault state
, Buffalo drivers can still be deemed at fault for collisions and held responsible for another driver’s property damages. Having an at-fault accident on your record can lead to as much as 15% higher rates. Fortunately, Jerry has helped many Buffalo drivers find affordable rates even with at-fault accidents in the recent past.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $102 | Eleanor, 61 Zip: 14221 | Hyundai Santa FE GLS | • State Minimum Liability |
At Fault With No Injury | Safeco | $131 | Brent, 30 Zip: 14225 | Hyundai Elantra SEL | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Travelers | $98 | Annie, 33 Zip: 14226 | RAM 1500 BIG Horn/lone Star | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $101 | Mabelle, 51 Zip: 14207 | Saturn VUE | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Buffalo after other driving violations
Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Buffalo.Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $191 | Eddie, 25 Zip: 14211 | Ford Focus SE | • State Minimum Liability |
Driving on Sus. License | Progressive | $86 | Leo, 39 Zip: 14213 | Dodge Durango SXT | • State Minimum Liability |
Failure to Obey Signal | Safeco | $178 | Jim, 31 Zip: 14224 | Chevrolet Equinox LT | • 100,000/300,000 Liability • Comp / Collision |
Seat Belt | Nationwide | $122 | Jonathan, 46 Zip: 14211 | Audi Q7 Premium Plus | • State Minimum Liability • Comp / Collision |
Improper Passing | Plymouth Rock | $447 | Harold, 40 Zip: 14216 | Jeep Compass Latitude | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Buffalo by age group
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Buffalo for young drivers
Car insurance can be high for everyone in Buffalo, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.Larry (24 years old)
$129
per month
Dean (23 years old)
$310
per month
Cheapest car insurance in Buffalo for senior drivers
Drivers can expect higher premiums once they reach 70 to 75 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.Allen (65 years old)
$154
per month
Sadie (65 years old)
$121
per month
Edna (65 years old)
$125
per month
Cheap car insurance quotes in Buffalo based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Harriet (28 years old)
$130
per month
Sylvia (28 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Buffalo, NY (Zip Code: 14211)
Tesla Model 3$313
per month
Steven (63 years old)
$125
per month
Jimmy (34 years old)
$306
per month
Finding cheap car insurance in Buffalo: Hear from real drivers
We asked drivers in Buffalo to review their car insurance providers—and share their experience shopping with Jerry. Here’s what we found:
Encompass always assists me quickly and efficiently with any questions or problems I have. I like the service and covers all my needs. Thanks Encompass!
Zundricia, Buffalo, NY
My insurance was $89 a month. I got into a small accident (wasn't entirely my fault) and they raised it to $150. I found Jerry and Safeco was one of the first plans on the app. I clicked it because it seemed too good to be true?? well it wasn’t, it’s real and I saved $80 a MONTH on my new car insurance with Safeco. Not to mention, I have way better insurance now than I have in a while. Couldn’t be happier! Thank you so much !!!!
Caityln, Rochester, NY
The customer service with these guys is really excellent. I’ve dealt with several other providers and they all seemed to be disconnected and uninterested in helping me. Progressive has the best reps I’ve ever dealt with.
Nick, West Seneca, NY
Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.A recent study by the Consumer Federation of America (CFA) found that New York drivers with bad credit (524-577) pay roughly 187% more for the same coverage compared to drivers with excellent credit (823+).10 The table below shows real rates that Buffalo drivers in various credit tiers found through Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $82 | Eleanor, 28 Zip: 14221 | Land Rover Range Rover Sport HSE | • State Minimum Liability |
660 - 750 | Allstate | $313 | Aiden, 28 Zip: 14211 | Tesla Model 3 | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Nationwide | $262 | Genevieve, 26 Zip: 14213 | Dodge Charger SXT | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | AAA | $174 | Cora, 59 Zip: 14214 | Honda CR-V EX | • State Minimum Liability • Comp / Collision |
< 550 | Bristol West | $254 | Devin, 46 Zip: 14220 | Hyundai Santa FE GLS | • State Minimum Liability |
Last Updated Nov 19, 2024Cheap car insurance quotes in Buffalo for popular cars
Your insurance rate is based on multiple factors, including the type of car you drive. If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle.
Popular cars in Buffalo include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Nissan Nissan_rogue | Allstate | $82 | Eula, 42 Zip: 14211 | • State Minimum Liability |
| Honda Honda_cr-V | Progressive | $66 | Peter, 42 Zip: 14213 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheapest car insurance in Buffalo for new vs. old car
Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Buffalo is generally more expensive than that of an older car.
Average insurance rates in Buffalo for vehicles based on age are:
- Vehicles 10 years or older: $259
- Vehicles less than 4 years old: $157
Jon (31 years old)
$166
per month
Lewis (40 years old)
2019 Toyota Highlander LE
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Buffalo, NY (Zip Code: 14220)
$159
per month
Jerome (32 years old)
2019 Chevrolet Equinox LT
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Buffalo, NY (Zip Code: 14224)
$178
per month
Clifford (64 years old)
$125
per month
Gainsco
Tommy (50 years old)
$134
per month
Ora (39 years old)
$88
per month
How to lower car insurance costs in Buffalo
1. Shop around and compare quotes
With insurance companies raising rates to combat Buffalo’s major risk factors, the best way to find the lowest rates for car insurance in WNY is to
shop around
. Comparison shopping becomes easier if you work with an independent broker. Jerry compares auto insurance quotes from trusted Buffalo-area providers using a single driver profile, giving your insurance search more reach and a higher chance of success. Like most brokers, Jerry doesn’t charge broker fees—you’ll pay the same amount you would if you went directly to the insurance company.
Jerry automatically checks for offers you’re eligible for in the Buffalo area and shows multiple levels of coverage so you can find a policy that fits your insurance needs.
If you own your home, you can also search for car and homeowners insurance bundles.
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. If you remain accident- and violation-free for a set number of years (typically three to five) you may qualify for a discounted rate from your insurer.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Buffalo?
Drivers in Buffalo pay an average of $254 per month for full coverage auto insurance and $145 per month for state minimum coverage.
What is the cheapest car insurance in Buffalo?
State minimum coverage, which costs an average of $145 per month, is the cheapest coverage option in Buffalo. Insurers like NYCM Insurance and Safeco typically offer the lowest rates for Buffalo car insurance.
What is the minimum car insurance in Buffalo, New York?
New York state minimum car insurance includes liability insurance, no-fault personal injury protection (PIP), uninsured motorist coverage, and wrongful death benefits.
What is the best car insurance in Buffalo?
The best car insurance companies in Buffalo, according to real drivers, are NYCM Insurance, Embark General, and Safeco Insurance. But every driver is different—the best way to find the right company for you is to compare rates and read reviews on the Jerry app.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Sources
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.