Buy Cheap Amherst, TX Auto Insurance (2021)

Amherst, TX auto insurance rates average $311 a month. Minimum auto insurance requirements in Amherst, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Amherst, TX, 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

  • The most expensive auto insurance company in Amherst after a DUI is Allstate
  • Average auto insurance rates in Amherst, TX after a DUI are $4,251/year
  • Average auto insurance rates in Amherst, TX for teens drivers are $6,490/year

Finding affordable Amherst, Texas auto insurance can be challenging, but everything you need to know to buy cheap Amherst, TX 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, TX car insurance rates compare to Austin auto insurance rates, Houston auto insurance rates, and Dallas auto insurance rates before you read more about the cost of auto insurance in Amherst.

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

Amherst, TX Minimum Auto Insurance Requirements

The required auto insurance in Amherst, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Amherst, Texas is outlined here.

Minimum Required Auto Insurance Coverage in Amherst, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Amherst, TX Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Amherst, TX. Take a look at Amherst, Texas auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Amherst, Texas

Insurance Company Poor Fair Good
Allstate $7,396 $5,385 $4,595
American Family $5,668 $3,509 $3,057
GEICO $4,354 $2,478 $1,663
Nationwide $5,059 $4,032 $3,507
Progressive $4,827 $4,165 $3,858
State Farm $3,616 $2,248 $1,790
USAA $3,528 $1,968 $1,564

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

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

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

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 $3,834 $3,895 $3,791 $3,791 $9,602 $11,680 $4,751 $4,994
American Family $2,579 $2,848 $2,337 $2,658 $6,282 $8,235 $3,598 $4,086
GEICO $2,142 $2,286 $2,030 $2,255 $4,531 $4,757 $2,313 $2,337
Nationwide $2,652 $2,712 $2,331 $2,486 $7,378 $9,563 $3,099 $3,373
Progressive $2,299 $2,189 $2,048 $2,086 $9,524 $10,634 $2,723 $2,764
State Farm $1,823 $1,823 $1,613 $1,613 $4,202 $5,328 $1,971 $2,038
USAA $1,558 $1,606 $1,464 $1,501 $3,909 $4,372 $2,090 $2,325

Buy Cheap Amherst, TX 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, TX are listed here.

Annual Auto Insurance Rates for Teen Drivers in Amherst, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,602 $11,680
American Family $6,282 $8,235
GEICO $4,531 $4,757
Nationwide $7,378 $9,563
Progressive $9,524 $10,634
State Farm $4,202 $5,328
USAA $3,909 $4,372

Buy Cheap Amherst, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Amherst, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,791 $3,791
American Family $2,337 $2,658
GEICO $2,030 $2,255
Nationwide $2,331 $2,486
Progressive $2,048 $2,086
State Farm $1,613 $1,613
USAA $1,464 $1,501

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

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

Annual Auto Insurance Rates by Coverage Level in Amherst, Texas

Insurance Company Low Medium High
Allstate $5,670 $5,747 $5,959
American Family $3,829 $3,947 $4,458
GEICO $2,712 $2,803 $2,979
Nationwide $4,557 $4,013 $4,028
Progressive $4,062 $4,264 $4,524
State Farm $2,435 $2,544 $2,675
USAA $2,300 $2,347 $2,412

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Find Cheap Amherst, TX 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, TX by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Amherst, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,660 $5,924
American Family $4,078 $4,078
GEICO $2,777 $2,886
Nationwide $4,199 $4,199
Progressive $4,283 $4,283
State Farm $2,551 $2,551
USAA $2,322 $2,384

Find Cheap Amherst, TX Auto Insurance Rates by Driving Record

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

Annual Amherst, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,609 $6,855 $7,095 $4,609
American Family $3,733 $4,708 $4,139 $3,733
GEICO $2,408 $3,142 $2,676 $3,099
Nationwide $3,623 $3,623 $5,439 $4,112
Progressive $3,737 $4,825 $4,365 $4,206
State Farm $2,285 $2,597 $3,038 $2,285
USAA $1,787 $2,568 $3,006 $2,051

Find Cheap Amherst, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Amherst, Texas 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, TX auto insurance companies.

Annual Auto Insurance Rates After a DUI in Amherst, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,095
American Family $4,139
GEICO $2,676
Nationwide $5,439
Progressive $4,365
State Farm $3,038
USAA $3,006

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

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

Best Annual Auto Insurance Rates by Company in Amherst, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

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Find Cheap Amherst, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Amherst, Texas

Insurance Company Average Annual Rates
Allstate $5,792
American Family $4,078
GEICO $2,831
Nationwide $4,199
Progressive $4,283
State Farm $2,551
USAA $2,353

What affects Amherst, Texas auto insurance rates?

Local factors affect auto insurance rates in Amherst, TX, 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, TX is 22.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Amherst, TX

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

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