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2024

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Best Local Car Insurance Agencies in Buffalo, NY

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Buffalo Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

171Reviewed

109Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

361 Delaware Avenue, Buffalo, NY 14202
WebsiteLicense: 1009544

Expertise.com Rating

Review Sources

Google
3.9 (7)
Yelp
5.0 (1)

Why choose this provider?

Lawley Insurance is an independent insurance agency in Buffalo with multiple locations throughout New York and neighboring states. The agency focuses on the areas of risk management, property and casualty, employee benefits, and personal insurance consultation. Its vehicle insurance products include automobile, motorcycle, recreational vehicle, and watercraft insurance. It represents more than 350 insurance carriers, such as Progressive and American Transit Insurance. Lawley Insurance is considered to be among the 100 biggest independent insurance agencies in the U.S.

  • Multiple Carriers

Buffalo, NY
WebsiteLicense: 759089

Expertise.com Rating

Why choose this provider?

Biagiotti Agency is an independent insurance brokerage in Buffalo that offers personal and commercial insurance lines to clients in the metro. The company was established in 2006 by Joseph Biagiotti, who has over 25 years of experience in insurance services management. Joseph and his team write car insurance policies that cover bodily injury liabilities, uninsured motorist injuries, property damage, and comprehensive damage. Biagiotti Agency also offers coverage plans for new, student, and high-risk (SR-22) drivers.

  • Motorcyle & ATV

520 Lee Entrance Ste 120, Amherst, NY 14228

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Formed in 1992, GPA Insurance Agency Inc. is an independent insurance agency headquartered in Amherst, New York, providing the Buffalo, New York, metro area with affordable auto insurance. GPA Insurance Agency Inc. compares prices from insurance providers across the region and nationwide to offer complete personal auto protection including liability, collision, and uninsured motorist coverage. Experienced professional agents and a range of roadside assistance and rental vehicle reimbursement policy options help keep clients on the road.

1577 West Ridge Road, Buffalo, NY 14615
WebsiteLicense: 1005574

Expertise.com Rating

Review Sources

Google
4.9 (161)
Facebook
5.0 (62)
Yelp
5.0 (2)

Why choose this provider?

VanScoter Insurance Agency, which began in 2005, has been serving clients in Buffalo and nearby cities. The company offers insurance plans to protect automobiles from possible expenses caused by accidents or collisions. These include medical bills for the affected people, recompense for property damage, and car repairs. VanScoter examines all possible options from different carriers and advises clients on the benefits of each one. The company's other insurance plans cover life, health, and business expenses.

  • Multiple Carriers

6546 E Quaker St, Orchard Park, NY 14127
WebsiteLicense: 1063251

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
5.0 (6)

Why choose this provider?

Terranova Insurance Services, LLC, provides risk management solutions in Buffalo and nearby locations. It processes a selection of personal protection products, which include car insurance. This type of insurance protects drivers from financial losses in case of unexpected events like theft and accidents. The company furnishes collision, comprehensive, liability, and medical payment coverage. It also offers life, homeowners', umbrella, and flood insurance. Founder and president Joseph Terranova has been in the insurance services industry for over four decades.

  • Multiple Carriers
  • Bundling Option

2711 Transit Road Suite 123, Elma, NY 14059
WebsiteLicense: 1551506

Expertise.com Rating

Review Sources

Google
4.9 (217)

Why choose this provider?

Elmwood Agency serves the insurance needs of Buffalo individuals, families, and business owners. The agency sets up clients with auto insurance policies that provide protection against significant financial loss through liability and comprehensive coverages. Likewise, its agents can also arrange insurance coverage for items or situations not covered by the insurance, including towing and roadside service, rental car reimbursement, and customized equipment. Some of the insurance carriers that the agency represents include Dryden Mutual, Nationwide, Progressive, and SafeCo.

  • Bundling Option

37 Elmwood Ave., Buffalo, NY 14201
WebsiteLicense: 664713

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (8)

Why choose this provider?

Since 1953, The Decker Agency Inc. has been providing auto insurance plans to individuals and families based in the Buffalo area and the surrounding communities. Its team of agents offers insurance policies that are tailored to car owners' goals and needs. They also craft other products for personal and commercial purposes, including trucking, garage, home, restaurant, contractor, and non-profit insurance. The Decker Agency is a member of the National Alliance for Insurance Education and Research.

  • Multiple Carriers

8665 Sheridan Dr, Williamsville, NY 14221
WebsiteLicense: 989099

Expertise.com Rating

Review Sources

Google
4.4 (32)
Facebook
5.0 (14)

Why choose this provider?

Larsen Insurance is an independent agency that has been serving individuals, families, and businesses in Buffalo and nearby areas since 2003. It offers different types of car insurance coverages, including bodily injury liability, collision, comprehensive, personal injury protection, and uninsured motorists. Also included in its line of products are BOP, home, life, renters', umbrella, and workers' compensation insurance plans. The firm represents various carriers, such as Chubb, Hagerty, Progressive, and Travelers. The team at Larsen Insurance brings over 20 years of industry experience.

  • Multiple Carriers
  • Bundling Option

2700 Elmwood Avenue, Buffalo, NY 14618
WebsiteLicense: 825694

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Yelp
5.0 (3)

Why choose this provider?

Quinton Insurance is an insurance company serving Buffalo and other areas. It offers several types of insurance including auto, business, home, life, critical illness, and personal. It also helps with commercial auto coverages and their claims, for entrepreneurs or business entities that have fleets of vehicles and are always on the road. The company was established in 1996 and services 10,000 clients. It supports the local community thru Honor Flight Rochester. The company provides help on how to file claims via its website.

  • Multiple Carriers
  • Bundling Option

5135 Transit Road, Depew, NY 14043
WebsiteLicense: 833676

Expertise.com Rating

Review Sources

Google
4.8 (40)
Yelp
5.0 (1)

Why choose this provider?

A/C Associates Insurance is a family-owned and family-operated independent agency serving individuals and businesses in Buffalo since 1960. It offers customized car insurance plans covering theft, fire damage, car accidents, and medical bills. Other personal policies include home, life, condo, wedding, child life, and umbrella insurance. The agency assists businesses with risk management options for general liability, workers' compensation, business owners, commercial auto and property, crime, and fiduciary liability. A/C Associates Insurance represents multiple companies, such as Erie Insurance and Safeco.

  • Bundling Option

1 Hopkins Road, Buffalo, NY 14221
WebsiteLicense: 544284

Expertise.com Rating

Why choose this provider?

Tompkins Insurance Agencies serves the risk management needs of Buffalo residents. Its team handles various lines of insurance, including car insurance. Depending on clients' needs, the agents furnish protection plans that may cover legal fees, vehicle repair costs, and medical bills in case the policyholder gets injured in an accident. They work with over 50 regional and national insurance providers. Tompkins Insurance Agencies carries more than a century's worth of service history. It is also licensed in Pennsylvania.

  • Multiple Carriers

501 John James Audubon Pkwy. Ste. 102, Amherst, NY 14228
WebsiteLicense: 651154

Expertise.com Rating

Review Sources

Google
4.5 (11)
Facebook
5.0 (1)

Why choose this provider?

Franz Manno Service Corp. serves families, individuals, and businesses in Buffalo and nearby areas. The independent agency's representatives assess the needs of vehicle owners and compare available plans from various providers. They assist in clients' decision-making by explaining the features and benefits included in the available plans. Insurance for boats, motorcycles, snowmobiles, and ATVs are also available. Managing partner Michael J. Miskuly is a certified insurance consultant. The company also offers life and business insurance coverages.

  • Bundling Option

7 Limestone Dr, Williamsville, NY 14221

Expertise.com Rating

Review Sources

Google
4.7 (3)

Why choose this provider?

Operating since 1977, Promark Insurance is an independent insurance agency assisting clients with auto insurance claims and operating within the Buffalo, New York, metro area. The agency helps clients to obtain collision, comprehensive, liability, and bodily injury coverage from associated providers and guides clients through the policy formation process by helping them to find affordable rates and decide on coverage areas to include in agreements. Promark Insurance also assists with home and business insurance policies.

36 Hopkins Road, Williamsville, NY 14221
WebsiteLicense: 1334428

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
4.9 (11)

Why choose this provider?

MC Mazzara Agency Inc. offers services to families and individuals in Buffalo and nearby locations. It provides risk management solutions, helping drivers acquire car insurance. This type of insurance protects policyholders from monetary losses due to accidents and theft. The company assists clients in filing claims to secure reimbursements for property damage and physical injuries. Its agents also process other personal protection plans, including flood, umbrella, and home insurance. MC Mazzara Agency has been in operation for over 35 years.

  • Bundling Option

10 Franklin St, Lancaster, NY 14086

Expertise.com Rating

Review Sources

Google
4.6 (14)

Why choose this provider?

For over 75 years, Weimer Over Agency Inc. in Buffalo, New York, has been providing personal and commercial auto insurance to the metro area. Liability, collision, and comprehensive coverage is offered as well as specialized options including roadside assistance and medical payments. The agents at Weimer Over Agency simplify the search process by explaining policy options in straightforward language. Quotes are submitted to dozens of insurance companies for comparison to find the optimal package for each customer.

8427 Main St., Williamsville, NY 14221
WebsiteLicense: 771741

Expertise.com Rating

Review Sources

Google
4.6 (49)
Facebook
5.0 (18)

Why choose this provider?

The Getzoni Agency Inc is a locally owned insurance company that has been serving the Buffalo metro area and nearby communities for more than four decades. The firm aims to protect drivers and motorists through auto insurance policies that provide liability, medical, and property coverage against potentially catastrophic financial loss as a result of auto accidents. Its independent insurance agents have access to an extensive network of insurance providers and can also arrange for supplementary coverage such as emergency road assistance and loss of income.

  • Bundling Option

33 Central Ave, Lancaster, NY 14086

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (14)

Why choose this provider?

Robert E Schaff Ltd Insurance and Real Estate has been in business for over a century. It is a family-owned New York insurance agency that works with several insurance companies such as Travelers Insurance to find the best coverage and rates for its clients. Robert E Schaff Ltd Insurance provides complete auto insurance for several vehicle classes including cars, vans, trucks, motorcycles, ATVs, snowmobiles, and RVs. The agency also offers home and business insurance.

Buffalo, NY
WebsiteLicense: 671111

Expertise.com Rating

Review Sources

Google
4.6 (29)
Facebook
5.0 (17)

Why choose this provider?

Founded in 1984, John Kristin Associates, Inc., Insurance serves individuals and businesses in Buffalo and the surrounding areas. It offers car insurance policies that help pay for damages and liabilities in the event of a traffic collision, disaster, theft, or vandalism. To deliver coverage options tailored to the individual needs of clients, the agency compares auto, home, and dental malpractice insurance plans from Safeco Insurance, Chubb, and Travelers. As a local business, John Kristin Associates understands the risks and challenges faced by its commercial clients.

  • RV & Motorhome

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Lawley - Buffalo
361 Delaware Avenue, Buffalo, NY 14202
Biagiotti Agency
GPA Insurance Agency
520 Lee Entrance Ste 120, Amherst, NY 14228
VanScoter Insurance Agency
1577 West Ridge Road, Buffalo, NY 14615
Terranova Insurance Services, LLC
6546 E Quaker St, Orchard Park, NY 14127
Elmwood Agency
2711 Transit Road Suite 123, Elma, NY 14059
The Decker Agency Inc.
37 Elmwood Ave., Buffalo, NY 14201
Larsen Insurance
8665 Sheridan Dr, Williamsville, NY 14221
Quinton Insurance - Upstate New York
2700 Elmwood Avenue, Buffalo, NY 14618
A/C Associates Insurance
5135 Transit Road, Depew, NY 14043
Tompkins Insurance Agencies
1 Hopkins Road, Buffalo, NY 14221
Franz Manno Service Corp.
501 John James Audubon Pkwy. Ste. 102, Amherst, NY 14228
Promark Insurance
7 Limestone Dr, Williamsville, NY 14221
MC Mazzara Agency Inc
36 Hopkins Road, Williamsville, NY 14221
Weimer Over Agency, Inc.
10 Franklin St, Lancaster, NY 14086
The Getzoni Agency Inc
8427 Main St., Williamsville, NY 14221
Robert E Schaff Ltd. Insurance & Real Estate
33 Central Ave, Lancaster, NY 14086
John Kristin Associates, Inc. Insurance

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How much insurance do car owners in Buffalo need?

    At a minimum, car owners in Buffalo need to be insured for the property damage they cause others to the extent of $10,000. Bodily injury liability coverage is needed, amounting to $25,000 for one victim and $50,000 if the individual dies. If there is more than one person hurt, the coverage should be $50,000 for injuries and $100,000 for death.

  • Can a person in Buffalo obtain a car insurance plan from a company operating in a neighboring state?

    A person in Buffalo may obtain a car insurance policy from a company operating in a neighboring state if that corporation is licensed in New York. The insurer has to be recognized by the New York State Department of Motor Vehicles and the State Department Financial Services for its products to be sold in the metro.

  • Beyond the basic car insurance coverage in Buffalo, what other risks are advantageous to guard against?

    Beyond the basic car insurance coverage in Buffalo, it may be advantageous to seek comprehensive and collision-centered products. These would serve the interests of the insured party in the event that there are thefts and bumps that occur to one's car. Uninsured and underinsured motorist contracts are also advisable since a third party might cause an accident and have no insurance.

  • What driving conditions do car insurers operating in Buffalo consider when assessing risk?

    When assessing risk in Buffalo, car insurers look into driving conditions like harsh weather. The metro is known for snow accumulation which reaches highs of up to eight feet per annum. The icy buildup causes road damage like potholes that could be hard to see and cause crashes.

  • How costly is car insurance in Buffalo?

    Car insurance in Buffalo costs an average of $1,111 for six months, which translates to monthly expenses of $185 per month. This is more expensive than the national average of $880 and the state average of $1,085. The three most affordable insurers in ascending order are GEICO, Progressive, and New York Central Mutual Fire Insurance Company.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.