Buy Cheap Amherst, MA Auto Insurance (2022)

Amherst, MA auto insurance rates average $250 a month. Minimum auto insurance requirements in Amherst, Massachusetts are 20/40/5 to comply with Massachusetts laws. To buy cheap auto insurance in Amherst, MA, compare Amherst auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Amherst, MA for teens drivers are $5,982/year
  • The most expensive auto insurance company in Amherst is Liberty Mutual
  • Average auto insurance rates in Amherst, MA are $250/month

Finding affordable Amherst, Massachusetts auto insurance can be challenging, but everything you need to know to buy cheap Amherst, MA auto insurance with confidence is right here. Auto insurance rates in Amherst are affected by local factors as well as personal ones like your driving record.

See how Amherst, MA car insurance rates compare to Lynn auto insurance rates, Boston auto insurance rates, and Cambridge auto insurance rates before you read more about the cost of auto insurance in Amherst.

Don’t buy Amherst, MA auto insurance until you’ve compared rates. Get free Amherst, Massachusetts auto insurance quotes when you enter your ZIP code above.

Amherst, MA Minimum Auto Insurance Requirements

The required auto insurance in Amherst, MA is 20/40/5 according to the auto insurance laws in Massachusetts. The minimum auto insurance in Amherst, Massachusetts is outlined here.

Minimum Required Auto Insurance Coverage in Amherst, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Amherst, MA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Amherst, Massachusetts auto insurance rates? Find out how car insurance rates in Amherst, MA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Amherst, Massachusetts

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 $2,129 $2,129 $2,129 $2,129 $7,844 $7,844 $2,390 $2,390
GEICO $1,912 $1,912 $1,773 $1,773 $5,401 $5,401 $1,971 $1,971
Liberty Mutual $2,771 $2,771 $2,413 $2,413 $9,404 $9,404 $2,897 $2,897
Progressive $1,947 $1,947 $1,872 $1,872 $7,281 $7,281 $2,103 $2,103
State Farm $927 $927 $927 $927 $2,620 $2,620 $927 $927
Travelers $2,998 $2,998 $2,647 $2,647 $6,151 $6,151 $3,326 $3,326
USAA $1,360 $1,360 $1,340 $1,340 $3,171 $3,171 $1,502 $1,502

Buy Cheap Amherst, MA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Amherst can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Amherst, MA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Amherst, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,844 $7,844
GEICO $5,401 $5,401
Liberty Mutual $9,404 $9,404
Progressive $7,281 $7,281
State Farm $2,620 $2,620
Travelers $6,151 $6,151
USAA $3,171 $3,171

Buy Cheap Amherst, MA Auto Insurance for Seniors

You can save on senior auto insurance rates in Amherst, Massachusetts by comparing Amherst senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Amherst, MA here.

Annual Auto Insurance Rates for Senior Drivers in Amherst, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,129 $2,129
GEICO $1,773 $1,773
Liberty Mutual $2,413 $2,413
Progressive $1,872 $1,872
State Farm $927 $927
Travelers $2,647 $2,647
USAA $1,340 $1,340

Find Cheap Auto Insurance Rates in Amherst, MA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Amherst, Massachusetts auto insurance. Compare Amherst, MA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Amherst, Massachusetts

Insurance Company Low Medium High
Allstate $3,365 $3,676 $3,829
GEICO $2,541 $2,816 $2,936
Liberty Mutual $4,094 $4,428 $4,591
Progressive $3,018 $3,364 $3,521
State Farm $1,227 $1,374 $1,450
Travelers $3,411 $3,854 $4,076
USAA $1,707 $1,874 $1,949

Find Cheap Amherst, MA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Amherst. Compare auto insurance rates in Amherst, MA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Amherst, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,508 $3,738
GEICO $2,710 $2,818
Liberty Mutual $4,199 $4,543
Progressive $3,301 $3,301
State Farm $1,319 $1,382
Travelers $3,600 $3,961
USAA $1,792 $1,894

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Find Cheap Amherst, MA Auto Insurance Rates by Driving Record

Auto insurance rates in Amherst, Massachusetts are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Amherst, MA, take a look at the average cost for various violations versus rates for a clean driving record in Amherst.

Annual Amherst, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,168 $4,701 $2,812
GEICO $2,209 $3,042 $3,474 $2,330
Liberty Mutual $3,452 $4,698 $5,655 $3,680
Progressive $2,777 $3,904 $3,103 $3,419
State Farm $1,071 $1,455 $1,729 $1,146
Travelers $2,937 $4,076 $4,369 $3,739
USAA $1,313 $1,704 $2,887 $1,468

Find Cheap Amherst, MA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Amherst, Massachusetts is higher than for a clean driving record. You can buy auto insurance after a DUI in Amherst for less when you shop around and compare rates from multiple Amherst, MA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Amherst, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,701
GEICO $3,474
Liberty Mutual $5,655
Progressive $3,103
State Farm $1,729
Travelers $4,369
USAA $2,887

Winners by Category: Where to Buy Cheap Auto Insurance in Amherst, MA

Compare rates from the cheapest auto insurance companies in Amherst, MA for your needs. Take a look at how Amherst, Massachusetts auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Amherst, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Find Cheap Amherst, Massachusetts Auto Insurance Companies

If you’re looking for the cheapest Amherst, MA auto insurance companies overall, you can compare them here. Find the best price for Amherst, Massachusetts car insurance by company.

Average Annual Auto Insurance Rates by Company in Amherst, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,623
GEICO $2,764
Liberty Mutual $4,371
Progressive $3,301
State Farm $1,350
Travelers $3,781
USAA $1,843

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What affects Amherst, Massachusetts auto insurance rates?

Local factors affect auto insurance rates in Amherst, MA, including traffic, theft statistics, and commute length. Take a look at the things that impact Amherst auto insurance rates.

Commute Times in Amherst

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Amherst, MA is 15.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Amherst, MA

You can buy cheap Amherst, MA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Amherst, Massachusetts auto insurance quotes from top companies.

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