Best Auto Insurance Rates in Niagara Falls, New York

On average your neighbors pay $103 a month.

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Niagara Falls, New York may not be one of the Seven Wonders of the World, but it's no wonder why residents of the city of the same name live where they do. Surrounded by natural and historical beauty, Niagara Falls has a lot to offer locals—and why shouldn’t that include cheap car insurance?

Average Niagara Falls Car Insurance Rates

How much is car insurance in Niagara Falls, NY? Residents shouldn't be surprised that car insurance costs more in Niagara Falls than it does elsewhere. Average insurance rates in New York are a bit higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.

Prices may vary depending on your driving history and the number of claims filed in your zip code, so you could pay less.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
Total Cost Per Year $1,234.84
Price Per Month $102.90
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. QuoteWizard can help you find cheap car insurance rates near Niagra Falls, New York and save up to 40% on your premium.

Last year, 1,000 people used QuoteWizard to compare car insurance quotes in Niagara Falls, NY from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Niagara Falls, NY

This is our list of the 10 most common car insurance companies reported by QuoteWizard users living in Niagara Falls, New York last year. Of these 1,000 users, 42 were uninsured.

Other popular Niagara, New York car insurance companies: MetLife, Erie, Country Financial, Safeco, 21st Century, Hartford, AIG, and American Family.

Top 10 Vehicles

These are the most common car makes and models owned by Niagara Falls, NY drivers who requested quotes through QuoteWizard last year.

  1. Chevrolet Equinox LT/LS
  2. Ford F150
  3. Chevrolet Impala LT
  4. Ford Taurus SE
  5. Ford Escape XLT
  6. Chevrolet Cavalier
  7. Chevrolet Malibu LS/1LT
  8. Buick Lesabre Custom
  9. Ford Explorer
  10. Buick Century Custom

Minimum Car Insurance Requirements in Niagara Falls, NY

Niagara Falls, New York has a minimum coverage requirement known as the 25/50/10 rule, which means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount insurance companies will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurer will pay for property damage caused by a car accident.

The policy must be in the name of the vehicle's registered owner and the coverage must remain in effect as long as the registration is valid even if you don't use the vehicle.

Driving Conditions

Driving conditions like weather and traffic congestion can influence Niagara Falls insurance rates.


Niagara Falls, NY has a humid climate like most of the rest of New York. Residents can expect an equal amount of sunny days and days with measureable precipitation. Snow is very common in this area—Niagara receives around 67 inches annually.

Road Conditions

According to a recent study by TRIP, 38 percent of the major roads in and around the state of New York are in poor condition. Another 42 percent are in mediocre condition. These poorly maintained, pothole-filled streets cost drivers $6.3 billion a year in extra vehicle operating costs.

Moving Violations

Moving violations such as speeding tickets, accidents, following too close, and drunk driving can raise your insurance rates and give you a bad driving record.

Traffic Tickets

The State of New York DMV website allows you to pay non-criminal traffic citations. It also tells drivers how to request a hearing to contest a ticket and provides helpful traffic court information.

DUI/DWI Arrests

Niagara County Sheriff's Department arrested 205 drivers for suspicion of driving under the influence (DUI) in 2014. This is a 21 percent decrease from the 261 DUI arrests made in 2013.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote, and we'll connect you with local agents from top companies that specialize in Niagara Falls DWI insurance.

Car Accident Statistics

Niagara Falls officials recorded 1,096 car accidents in 2016 resulting in 417 injuries.

Traffic Fatalities

Niagara Falls experienced four fatal auto crashes in 2016 that caused four fatalities.

This works out to a fatality rate of 4.25 per 100,000 residents. All traffic deaths are a tragic loss, and considering the estimated population of 48,632 Niagara Falls is a safe city in terms of traffic fatalities per capita.

Vehicle Theft

Niagara Falls experienced 133 motor vehicle thefts in 2016. That’s a rate of 2.72 per 1,000 residents—well above the national average of 2.20 per 1,000.

Car Insurance Discounts

Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to drivers in Niagara Falls, NY depending on your carrier.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to auto insurance discounts for their service
  3. Keep your driving history clean. Drivers without tickets or accidents on their record pay lower rates
  4. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  5. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  6. Take a defensive driving course from an accredited driving safety school

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