City
Guide
Buffalo Insurance
Lake effect snow means accident rates spike in winter. Make sure you are covered.
New York Minimums
Drivers in Buffalo must meet NY state mandatory coverages including No-Fault (PIP) of $50,000.
Collision Coverage is Vital
With Buffalo winters, sliding into a guardrail or snowbank is a real risk. Liability only covers the other person. You need Collision coverage to fix your own car after a weather-related mishap.