Best Cheap Auto Insurance in Buffalo, TX (2021)

The average Buffalo, TX auto insurance rates are $313 per month. The minimum auto insurance in Buffalo is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Buffalo, Texas, compare quotes from multiple companies.

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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 insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Buffalo is 21.9 minutes
  • Average auto insurance rates in Buffalo, TX for senior drivers are $2,275 per year
  • The cheapest auto insurance company in Buffalo is USAA

Buffalo, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Buffalo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Buffalo, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Buffalo to other Texas cities, including San Antonio auto insurance rates, Fort Worth auto insurance rates, and Corpus Christi auto insurance rates to see how Buffalo, Texas auto insurance rates stack up.

Before you buy Buffalo, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Buffalo, Texas auto insurance quotes.

Minimum Auto Insurance in Buffalo, Texas

Buffalo, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Buffalo, Texas.

Minimum Required Auto Insurance Coverage in Buffalo, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Buffalo, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Buffalo, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Buffalo, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,657 $3,692 $3,615 $3,615 $9,499 $11,470 $4,513 $4,701
American Family $2,746 $3,052 $2,539 $2,906 $7,106 $9,289 $3,914 $4,452
GEICO $2,006 $2,148 $1,915 $2,138 $4,268 $4,464 $2,166 $2,180
Nationwide $2,061 $2,097 $1,823 $1,930 $5,791 $7,432 $2,415 $2,611
Progressive $2,655 $2,527 $2,347 $2,400 $10,912 $12,170 $3,149 $3,202
State Farm $2,072 $2,072 $1,833 $1,833 $4,817 $6,114 $2,242 $2,316
USAA $1,553 $1,565 $1,481 $1,473 $4,353 $4,751 $2,073 $2,230

Cheap Buffalo, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Buffalo, Texas is a challenge. Take a look at the annual teen auto insurance rates in Buffalo, Texas.

Annual Auto Insurance Rates for Teen Drivers in Buffalo, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,499 $11,470
American Family $7,106 $9,289
GEICO $4,268 $4,464
Nationwide $5,791 $7,432
Progressive $10,912 $12,170
State Farm $4,817 $6,114
USAA $4,353 $4,751

Cheap Buffalo, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Buffalo, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Buffalo, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,615 $3,615
American Family $2,539 $2,906
GEICO $1,915 $2,138
Nationwide $1,823 $1,930
Progressive $2,347 $2,400
State Farm $1,833 $1,833
USAA $1,481 $1,473

Cheap Buffalo, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Buffalo, Texas compared to the annual auto insurance rates with a clean record in Buffalo, Texas.

Annual Buffalo, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,366 $6,696 $6,952 $4,366
American Family $4,100 $5,225 $4,577 $4,100
GEICO $2,265 $2,962 $2,508 $2,908
Nationwide $2,840 $2,840 $4,197 $3,204
Progressive $4,289 $5,532 $5,021 $4,839
State Farm $2,604 $2,966 $3,477 $2,604
USAA $1,817 $2,677 $3,159 $2,086

Cheap Buffalo, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Buffalo, Texas is not easy. Compare the annual rates for DUI auto insurance in Buffalo, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Buffalo, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,952
American Family $4,577
GEICO $2,508
Nationwide $4,197
Progressive $5,021
State Farm $3,477
USAA $3,159

Cheap Buffalo, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Buffalo, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Buffalo, Texas

Insurance Company Poor Fair Good
Allstate $7,136 $5,202 $4,447
American Family $6,196 $3,907 $3,398
GEICO $4,084 $2,330 $1,568
Nationwide $3,917 $3,151 $2,742
Progressive $5,560 $4,780 $4,420
State Farm $4,130 $2,565 $2,041
USAA $3,583 $2,063 $1,658

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Cheap Buffalo, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Buffalo, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Buffalo, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Buffalo, Texas

ZIP Code Average Annual Rates
75831 $5,600

Cheap Buffalo, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Buffalo, Texas auto insurance. Find the cheapest annual Buffalo, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Buffalo, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,462 $5,728
American Family $4,500 $4,500
GEICO $2,611 $2,711
Nationwide $3,270 $3,270
Progressive $4,920 $4,920
State Farm $2,912 $2,912
USAA $2,404 $2,465

Cheap Buffalo, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Buffalo, Texas? Check out the comparison of annual Buffalo, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Buffalo, Texas

Insurance Company Low Medium High
Allstate $5,444 $5,539 $5,802
American Family $4,198 $4,334 $4,969
GEICO $2,541 $2,633 $2,808
Nationwide $3,539 $3,131 $3,140
Progressive $4,696 $4,896 $5,169
State Farm $2,775 $2,903 $3,059
USAA $2,357 $2,425 $2,522

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Best By Category: Cheapest Auto Insurance in Buffalo, Texas

Compare the cheapest auto insurance companies in Buffalo, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Buffalo, Texas

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Buffalo, Texas Auto Insurance Companies

What auto insurance companies in Buffalo, Texas are the cheapest? Compare the top Buffalo, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Buffalo, Texas

Insurance Company Average Annual Rates
Allstate $5,595
American Family $4,500
GEICO $2,661
Nationwide $3,270
Progressive $4,920
State Farm $2,912
USAA $2,435

What affects auto insurance rates in Buffalo, Texas?

There are a lot of reasons why auto insurance rates in Buffalo, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Buffalo, Texas. Many local factors may affect your Buffalo auto insurance rates.

Buffalo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Buffalo, Texas commute length is 21.9 minutes according to City-Data.

Buffalo Traffic

How does Buffalo, Texas rank for traffic? According to Inrix Buffalo, Texas is the 716th most congested worldwide.

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Compare Buffalo, Texas Auto Insurance Quotes

Before you buy Buffalo, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Buffalo, Texas auto insurance quotes.

Free Auto Insurance Comparison

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