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Finding the cheapest car insurance quotes in Amherst Center shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Amherst Center
The car insurance rate in Amherst Center is $1547 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $450, making it a popular choice for budget-conscious drivers. Rates in Amherst Center can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
Cheapest Car Insurance Companies in Amherst Center
1st place: Safety Group
At $450 for a six
month policy, Safety Group offers
the cheapest
auto
insurance rates in the city.
2nd place: Vermont Mutual
Vermont Mutual offers auto
insurance rates at $528 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $672
for six months, making it
the third cheapest auto insurance company in Amherst Center.
Amherst Center Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Amherst Center, MA is Safety Group, offering policies at just $450 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $528.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5016 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Amherst Center drivers find the best deals.
Cheap Car Insurance Companies in Amherst Center, MA
Way's key takeaways about car insurance in Amherst Center
The auto insurance costs in Amherst Center fall around $450 for six
months.
The cheapest auto insurance company in Amherst Center is State Farm.
Teen drivers pay the highest rate in Amherst Center at $779 per
month.
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Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Amherst Center
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Amherst Center are given below.
State Farm provides
the cheapest minimum car insurance
coverage in Amherst Center. Their Average 6 Month Premium is $102.
Allstate is the most
expensive at $462 for the same
period.
Cheapest Full Coverage Car Insurance in Amherst Center
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Amherst Center is Safety Group
at $75 per month and $450
for six months.
Cheapest Full Coverage Car Insurance Quotes in Amherst Center,
MA
Get Your Car Insurance Quote in Amherst Center
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Average Car Insurance in Amherst Center by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Amherst Center, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Amherst Center, Massachusetts, may be increasing due to several external factors.
Massachusetts has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Amherst Center's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Amherst Center
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
State Farm
$363
30s
State Farm
$293
40s
State Farm
$293
50s
State Farm
$293
60s
State Farm
$259
70s
State Farm
$223
Cheapest Car Insurance Rates for Teen Drivers in
Amherst Center,MA
If you are planning to get a car insurance policy for your teenage
dependent, Safety Group provides the cheapest car
insurance in the Amherst Center at $26
per
month. At $4577 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in Amherst Center.
As young drivers face the highest rates in Amherst Center, State Farm
offers the cheapest auto insurance rates at $363 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Amherst Center,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Amherst Center is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Save up to $971/yr on car insurance rates in Amherst Center.
Car Insurance Rates with An Accident in Amherst Center
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Amherst Center, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Amherst Center
The cheapest car insurance companies after an at-fault accident in
Amherst Center include American Family
and Safety Group, offering $246
and $276,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2063.
Here is a list of driving violations that can increase your car
insurance rates in Amherst Center MA. For example, the car
insurance in Amherst Center
after a DUI increases to $750 for a six
month policy. While the rate increases by $198 for a six-month policy in the case of
a speeding ticket.
Amherst Center auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$798
$133
One Med/PIP claim
$798
$135
Not-at-fault accident
$822
$137
One comp claim
$822
$139
Two Med/PIP claims
$822
$137
Two comp claims
$851
$144
At-fault accident - less than $1000
$882
$147
Child safety restraint
$912
$156
Driving without lights
$912
$152
Failure to wear a seat belt
$924
$158
Cell phone violation
$990
$165
Texting while driving
$990
$169
Driving too slowly
$996
$166
Failure to stop at a red light
$996
$170
Failure to yield
$996
$166
Following too closely
$996
$170
Illegal turn
$996
$166
Improper passing
$996
$170
Speeding 11 - 15 MPH over limit
$996
$166
Speeding 16 - 20 MPH over limit
$996
$170
Speeding 6 - 10 MPH over limit
$996
$166
Speeding in school zone
$996
$170
Wrong way/wrong lane
$996
$166
In 65 MPH zone
$1002
$171
Speeding 21 - 25 MPH over limit
$1002
$167
Operating a vehicle without permission
$1008
$172
Passing school bus
$1050
$175
At-fault accident - $1000-$2000
$1236
$210
Failure to show documents
$1259
$210
At-fault accident - greater than $2000
$1266
$215
Driving with expired registration
$1272
$212
Open container
$1344
$228
Reckless driving
$1451
$242
Refusal to submit to a chemical test
$1482
$251
Driving with a suspended license
$1542
$257
Racing
$1542
$263
DUI
$1548
$258
Leaving scene of an accident/hit and run
$1566
$267
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Amherst Center after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Amherst Center.
The cheapest car insurance premiums in
Amherst Center are
offered by American Family at $300 for a six-month policy.
However, it can be as
expensive as $2561 with companies
like Allstate.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Amherst Center are offered by State Farm
at $132. However,
it can be as expensive as $1578
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in Amherst Center after Speeding ticket
Car Insurance Price Trends in Amherst Center,
Massachusetts
Car insurance rates in Amherst Center have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Amherst Center dipped by
$220 in December
compared to $224 of November. In other words, there has been an decrease by $4 when you
compare December and November.
The average cost of liability insurance in the Amherst Center rose to $43 in December,
compared to $42 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Amherst Center by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Amherst Center. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Amherst Center?
The car insurance in Amherst Center is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Amherst Center?
The cheapest car insurance in Amherst Center
is $75 per month
for full coverage.
How much is car insurance in Amherst Center for teenagers?
Car insurance for teenagers costs $156 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Amherst Center?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $261 per month to insure your
car in Amherst Center.
Is car insurance expensive in Amherst Center?
Car insurance can be expensive in Amherst Center if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Amherst Center can be
affordable.
What is the best car insurance in Amherst Center,
MA?
The best car insurance company in Amherst Center
MA is
Safety Group, offering $450 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Amherst Center, MA
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Amherst Center Car Insurance
