call

Niagara Falls Car Insurance

How much does car insurance cost in Niagara Falls, NY? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Niagara Falls?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in New York has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Niagara Falls typically pay around $111.72 per month compared to the national average of $134.04 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.04
New York $179.28
Niagara Falls, New York $111.72

Niagara Falls, NY Best Car Insurance Companies

car insurance in Niagara Falls

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Erie generally has the most affordable car insurance in Niagara Falls coming in around $105.29 per month. Other companies to consider if you live in Niagara Falls is Travelers with an average cost of $114.77 per month and USAA which typically runs around $114.99 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Niagara Falls.

RankCompanyAverage Monthly RateComparison State Average
1 Erie $105.29-41.27%
2 Travelers $114.77-35.98%
3 USAA $114.99-35.86%
4 New York Central Mutual Fire $116.72-34.90%
5 Safeco $139.91-21.96%
6 State Farm $146.82-18.10%
7 Allstate $147.86-17.53%
8 Mercury Insurance Company $157.27-12.28%
9 Tower Insurance Company of New York $167.36-6.65%
10 Hanover $167.43-6.61%

How Much is Car Insurance in Niagara Falls, NY?

how much is auto insurance in Niagara Falls

Rates can vary from city to city. The residents of Albany typically pay $100.77 per month while people who live in Brooklyn will pay $263.86 per month on average. See what people pay for car insurance in other cities in New York.

New York CitiesMonthly Average Rate
Albany $100.77
Brooklyn$263.86
Buffalo $120.54
New York $191.39
Niagara Falls $111.72
Rochester $92.80

Cheap Car Insurance in Niagara Falls by Zip Codes

find cheap auto insurance in Niagara Falls

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of New York. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Niagara Falls, NY ZIP CodeAverage Monthly Rate
14301$123.40
14302$161.56
14303$95.50
14304$115.45
14305$99.87

Car Insurance Rates by Driver's Age Group in Niagara Falls

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $233.24 per month in Niagara Falls. Compare that to drivers in their 30’s who typically pay around $92.69 per month drivers in their 40s at $95.69 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$233.24
20s$144.00
30s$92.69
40s$95.69
50s$87.27
60s$100.84
70+$102.37

Cheapest Insurance for Teenage Drivers in Niagara Falls

If you are teen in Niagara Falls you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, New York Central Mutual Fire typically charges around $233.58 per month. This is likely the most affordable option in Niagara Falls. You might also want to consider Erie and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
New York Central Mutual Fire$233.58
Erie$238.21
USAA$314.92
Allstate$351.50
Travelers$357.25

Cheapest Insurance for 20 Year-olds in Niagara Falls

20 year-olds in Niagara Falls might want to consider Erie who, on average, offers car insurance rates around $128.70 per month. New York Central Mutual Fire , Travelers , USAA and Mercury Insurance Company are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Erie$128.70
New York Central Mutual Fire$139.47
Travelers$160.06
USAA$172.85
Mercury Insurance Company$188.17

Cheapest Insurance for 30 Year-olds in Niagara Falls

If you are in your 30s in Niagara Falls our research has found that Travelers typically has the most affordable coverage coming in around $96.82 per month, followed by Erie at $102.33 and USAA at $102.46.

CompanyAverage Monthly Rate
Travelers$96.82
Erie$102.33
USAA$102.46
New York Central Mutual Fire$109.57
Safeco$127.87

Cheapest Insurance for 40 Year-olds in Niagara Falls

On average, USAA offers car insurance for 40 year-olds in Niagara Falls for around $87.02 per month. If you are looking for affordable coverage, you may also want to consider Erie or Travelers. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$87.02
Erie$91.67
Travelers$96.78
New York Central Mutual Fire$105.47
Hanover$118.41

Cheapest Insurance for 50 Year-olds in Niagara Falls

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Niagara Falls we found that USAA generally offers the most affordable coverage at $79.41 per month.

CompanyAverage Monthly Rate
USAA$79.41
Travelers$82.08
Erie$83.47
New York Central Mutual Fire$99.85
Preferred Mutual$100.67

Cheapest Insurance for 60 Year-olds in Niagara Falls

If you live in Niagara Falls and you’re in your 60s, our data indicates that USAA usually has the best rates at $87.30 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$87.30
Erie$90.56
Mercury Insurance Company$97.67
Preferred Mutual$101.50
Travelers$101.88

Driver's Coverage Auto Insurance Rates in Niagara Falls, NY

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Niagara Falls, the average monthly rate for a driver who is currently insured is $109.14 while drivers who are not currently covered will pay around $117.11.

CoverageAverage Monthly Rate
Not Currently Insured $117.11
Currently Insured $109.14

Compare Recent Car Insurance Quotes in Niagara Falls

auto insurance quotes in Niagara Falls city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Niagara Falls a driver of a 2018 Mazda 3 can expect to pay around $129.13 per month while someone that owns a 2007 Gmc Yukon Xl may pay around $102.83 per month. Check out the list of recent quotes in Niagara Falls below.

VehicleAverage Monthly Rate
2018 Mazda 3$129.13
2007 Gmc Yukon Xl$102.83
2007 Gmc Yukon Xl$158.80
2007 Gmc Yukon Xl$132.89
2007 Gmc Yukon Xl$112.03
2003 Toyota Camry$66.15
2012 Ford Escape$78.67
2014 Jeep Grand Cherokee$106.30
2005 Ford Freestyle$56.00
2005 Chrysler 300$69.15

FAQ's for Drivers in Niagara Falls, NY

driver’s frequently asked question in Niagara Falls

What Is the Minimum Liability Coverage Requirement in Niagara Falls, NY?

Every state requires drivers to have a minimum amount of liability coverage. New York drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Minimum coverage for serious or permanent injury to a single person
  • $50,000; Death liability coverage per person; Minimum coverage for death for a person involved in an accident
  • $10,000; Property damage liability per accident; Minimum payment for damaged property in an accident caused by you

In New York, you must have state-issued auto liability insurance coverage to register your vehicle. If you fail to continuously maintain this coverage, the Department of Motor Vehicles can suspend your driver’s license and registration.

The minimum amount of coverage is $10,000 for property damage, $25,000 for bodily injury and $50,000 for the accidental death of one person. For two or more people involved in an accident, you must carry $50,000 for bodily injury and $100,000 for death. New York also requires a minimum of $25,000 of uninsured motorist coverage.

What Is the Blood Alcohol Concentration (BAC) limit in Niagara Falls, NY?

It is against the law to operate a motor vehicle in New York with the following BAC percentages:

.08%+ at 21 years or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

There are different levels of DUI in New York State. For more information about New York’s DUI laws, refer to the New York Department of Motor Vehicles Alcohol and Other Drugs.

What happens if my coverage lapses?

If you experience a lapse in insurance coverage in New York State, your registration and/or driver’s license can be suspended. If you’re caught driving without insurance, you may be ticketed or arrested and your vehicle can be impounded.

map

Commute Time in Niagara Falls, NY

18.4 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Niagara Falls, NY

77

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.