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Finding the cheapest car insurance quotes in Amherst 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
The car insurance rate in Amherst is $868 for a six-month policy, which is $86 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $276, making it a popular choice for budget-conscious drivers. Rates in Amherst 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.
At $276 for a six
month policy, American Family offers
the cheapest
auto
insurance rates in the city.
2nd place: Kemper
Kemper offers auto
insurance rates at $357 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers Mutual of Nebraska
Farmers Mutual of Nebraska offers auto insurance
rates at $443
for six months, making it
the third cheapest auto insurance company in Amherst.
Amherst Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Amherst, SD is American Family, offering policies at just $276 for a six-month term. This is followed by Kemper, which has an average six-month premium of $357.
At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1638 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Amherst drivers find the best deals.
Way's key takeaways about car insurance in Amherst
The auto insurance costs in Amherst fall around $276 for six
months.
The cheapest auto insurance company in Amherst is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Amherst at $521 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Amherst
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 are given below.
Farmers Mutual of Nebraska provides
the cheapest minimum car insurance
coverage in Amherst. Their Average 6 Month Premium is $92.
Farmers is the most
expensive at $340 for the same
period.
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 is American Family
at $46 per month and $276
for six months.
Cheapest Full Coverage Car Insurance Quotes in Amherst,
SD
Get Your Car Insurance Quote in Amherst
Instantly!
Average Car Insurance in Amherst 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, SD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Amherst, South Dakota, may be increasing due to several external factors.
South Dakota 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'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
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
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Cheapest Car Insurance Rates for Teen Drivers in
Amherst,SD
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Amherst at $24
per
month. At $3124 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Amherst.
As young drivers face the highest rates in Amherst, N/A
offers the cheapest auto insurance rates at $N/A 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,
American Family is
the cheapest car insurance provider. At $125 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 is Farmers, offering
rates of around $1697 for six
months.
Save up to $971/yr on car insurance rates in Amherst.
Car Insurance Rates with An Accident in Amherst
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, SD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Amherst
The cheapest car insurance companies after an at-fault accident in
Amherst include American Family
and Western National, offering $151
and $173,
respectively. Farmers is an expensive provider
with an average six-month premium of
$1454.
Here is a list of driving violations that can increase your car
insurance rates in Amherst SD. For example, the car
insurance in Amherst
after a DUI increases to $789 for a six
month policy. While the rate increases by $151 for a six-month policy in the case of
a speeding ticket.
Amherst auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$903
$150
One Med/PIP claim
$903
$154
Not-at-fault accident
$925
$154
Two Med/PIP claims
$956
$163
One comp claim
$962
$160
Failure to show documents
$995
$169
Two comp claims
$995
$166
Failure to wear a seat belt
$1022
$174
Child safety restraint
$1037
$173
Driving without lights
$1037
$177
Driving with expired registration
$1043
$174
Wrong way/wrong lane
$1043
$177
Cell phone violation
$1048
$175
Driving too slowly
$1048
$178
Texting while driving
$1048
$175
Failure to stop at a red light
$1054
$179
Failure to yield
$1054
$176
Following too closely
$1054
$179
Illegal turn
$1054
$176
Speeding 6 - 10 MPH over limit
$1054
$179
Improper passing
$1065
$177
Speeding 11 - 15 MPH over limit
$1070
$182
Speeding 16 - 20 MPH over limit
$1076
$179
Operating a vehicle without permission
$1103
$187
At-fault accident - less than $1000
$1114
$186
In 65 MPH zone
$1114
$189
Speeding in school zone
$1119
$187
Speeding 21 - 25 MPH over limit
$1146
$195
Passing school bus
$1195
$199
Open container
$1238
$210
At-fault accident - $1000-$2000
$1254
$209
At-fault accident - greater than $2000
$1254
$213
Driving with a suspended license
$1513
$252
Reckless driving
$1530
$260
Refusal to submit to a chemical test
$1616
$269
Racing
$1670
$284
DUI
$1692
$282
Leaving scene of an accident/hit and run
$1730
$294
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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 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.
The cheapest car insurance premiums in
Amherst are
offered by American Family at $146 for a six-month policy.
However, it can be as
expensive as $1530 with companies
like Farmers.
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 are offered by American Family
at $146. However,
it can be as expensive as $1600
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Amherst after Speeding ticket
Car Insurance Price Trends in Amherst,
South Dakota
Car insurance rates in Amherst have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Amherst rose by
$154 in January
compared to $151 of December. In other words, there has been an increase by $3 when you
compare January and December.
The average cost of liability insurance in the Amherst remained steady at $27 in both January and December, indicating no change over the two month period.
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. At $1736 for a
six-month policy, insuring
your car at 57421 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?
The car insurance in Amherst is $15 per month, which is lower than the national average.
What is the cheapest car insurance in Amherst?
The cheapest car insurance in Amherst
is $46 per month
for full coverage.
How much is car insurance in Amherst for teenagers?
Car insurance for teenagers costs $140 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?
The average cost of car insurance is $954 for a six-month
policy. It will cost around $146 per month to insure your
car in Amherst.
Is car insurance expensive in Amherst?
Car insurance can be expensive in Amherst if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Amherst can be
affordable.
What is the best car insurance in Amherst,
SD?
The best car insurance company in Amherst
SD is
American Family, offering $276 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Amherst, SD
Car Insurance Rates by State in the USA (2025 Update)
Amherst Car Insurance
