Cheap Quotes for Amherst Center, MA Car Insurance (2021)

Amherst Center, Massachusetts car insurance rates average $250 a month and Massachusetts law requires coverage of at least 20/40/5. By comparing rates from multiple Amherst Center, MA companies, you can find cheap Amherst Center car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Amherst Center, MA for senior drivers are $1,872/year
  • Average car insurance rates in Amherst Center, MA after a DUI are $3,703/year
  • Amherst Center has an average commute time of 15.4 minutes

How do the Amherst Center, Massachusetts monthly average car insurance rates of $250/month compare to nearby cities like Boston car insurance rates, Lynn car insurance rates, and Cambridge car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Amherst Center, MA.

We’ll cover the Massachusetts minimum coverage requirements, Massachusetts car insurance laws, and Amherst Center, MA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Amherst Center, Massachusetts companies to find the most affordable Amherst Center car insurance rates.

Enter your ZIP code above to find cheap Amherst Center, MA car insurance quotes today.

What are the minimum Amherst Center, MA car insurance requirements?

To meet Massachusetts minimum car insurance coverage requirements, Amherst Center, MA drivers need to carry at least 20/40/5 coverage.

Minimum Required Car Insurance Coverage in Amherst Center, 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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How do age, gender, and marital status affect Amherst Center, MA car insurance rates?

Three of the criteria that most affect car insurance rates in Amherst Center, Massachusetts are age, gender, and marital status. Let’s take a look at how each of these stack up with top Amherst Center car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Amherst Center, 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

How much do teen drivers pay for car insurance in Amherst Center, MA?

Amherst Center, Massachusetts car insurance rates for teens are often higher than rates for other drivers. Compare Amherst Center car insurance rates from multiple Amherst Center, Massachusetts car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Amherst Center, 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

How much do senior drivers pay for car insurance in Amherst Center, MA?

With a little research, seniors can find affordable car insurance in Amherst Center, Massachusetts. Here’s a look at how the top Amherst Center car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Amherst Center, 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

How does coverage level affect Amherst Center, MA car insurance rates?

How much coverage do you need? Are you comfortable with the Massachusetts minimum of 20/40/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Amherst Center, MA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Amherst Center, 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

How does your driving record affect Amherst Center, MA car insurance rates?

Safe driving pays off. The more traffic violations you have in Amherst Center, MA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Amherst Center, Massachusetts companies.

Annual Amherst Center, Massachusetts Car 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

How does a DUI affect Amherst Center, MA car insurance rates?

With even one DUI on your record, you can see an increase in your Amherst Center, MA car insurance rates.

Annual Car Insurance Rates After a DUI in Amherst Center, Massachusetts

Insurance Company Annual Car 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

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How does your commute affect Amherst Center, MA car insurance rates?

Amherst Center, MA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Massachusetts can be seen here. Remember, though, that you may have to carry substantially more car insurance in Amherst Center if you’re financing.

Annual Car Insurance Rates by Commute Length in Amherst Center, 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

Who has the cheapest Amherst Center, MA car insurance rates?

Here’s a breakdown of Amherst Center, Massachusetts car insurance rates by company. You can see which company offers the cheapest Amherst Center car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Amherst Center, 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

What are the top Amherst Center, MA car insurance companies?

Which Amherst Center, Massachusetts car insurance company will best fit your needs and budget? Check out this comparison of the top Amherst Center companies to find the one for you.

Average Annual Car Insurance Rates by Company in Amherst Center, 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 factors affect Amherst Center, MA car insurance rates?

Why are Amherst Center, Massachusetts car insurance rates different than rates in Boston or Lynn? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Amherst Center, MA?

More time spent behind the wheel can lead to higher Amherst Center, Massachusetts car insurance rates. In Amherst Center, MA, the average commute length is 15.4 minutes.

Car Insurance Quotes for Amherst Center, MA

Shop for affordable Amherst Center, Massachusetts car insurance rates today. Enter your ZIP code to compare quotes from multiple Amherst Center, MA car insurance companies.

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