Cheap Quotes for Amherst, VA Car Insurance (2021)

Amherst, Virginia car insurance rates average $182 a month and Virginia law requires coverage of at least 25/50/20. By comparing rates from multiple Amherst, VA companies, you can find cheap Amherst 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 Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • The cheapest car insurance company in Amherst is USAA
  • Average car insurance rates in Amherst, VA after a DUI are $2,573/year
  • Average car insurance rates in Amherst, VA are $182/month

How do the Amherst, Virginia monthly average car insurance rates of $182/month compare to nearby cities like Alexandria car insurance rates, Roanoke car insurance rates, and Hampton car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Amherst, VA.

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

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

What are the minimum Amherst, VA car insurance requirements?

To meet Virginia minimum car insurance coverage requirements, Amherst, VA drivers need to carry at least 25/50/20 coverage.

Minimum Required Car Insurance Coverage in Amherst, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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How do age, gender, and marital status affect Amherst, VA car insurance rates?

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

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

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 $1,913 $1,809 $1,904 $1,904 $5,947 $6,861 $2,492 $2,502
GEICO $1,404 $1,406 $1,331 $1,331 $2,929 $3,936 $1,632 $1,621
Nationwide $1,242 $1,249 $1,107 $1,136 $2,905 $3,732 $1,365 $1,483
Progressive $1,220 $1,165 $1,099 $1,105 $5,461 $6,138 $1,478 $1,513
State Farm $1,311 $1,311 $1,173 $1,173 $3,819 $4,805 $1,479 $1,697
USAA $1,024 $1,008 $957 $962 $3,164 $3,769 $1,316 $1,445

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

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

Annual Car Insurance Rates for Teen Drivers in Amherst, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,947 $6,861
GEICO $2,929 $3,936
Nationwide $2,905 $3,732
Progressive $5,461 $6,138
State Farm $3,819 $4,805
USAA $3,164 $3,769

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

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

Annual Car Insurance Rates for Senior Drivers in Amherst, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,904 $1,904
GEICO $1,331 $1,331
Nationwide $1,107 $1,136
Progressive $1,099 $1,105
State Farm $1,173 $1,173
USAA $957 $962

How does coverage level affect Amherst, VA car insurance rates?

How much coverage do you need? Are you comfortable with the Virginia minimum of 25/50/20 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Amherst, VA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Amherst, Virginia

Insurance Company Low Medium High
Allstate $3,082 $3,168 $3,250
GEICO $1,882 $1,947 $2,018
Nationwide $1,857 $1,761 $1,714
Progressive $2,293 $2,370 $2,529
State Farm $1,981 $2,092 $2,214
USAA $1,643 $1,709 $1,765

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

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

Annual Amherst, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,384 $3,763 $3,460 $3,058
GEICO $1,476 $1,921 $2,922 $1,476
Nationwide $1,551 $1,551 $2,253 $1,754
Progressive $2,056 $2,704 $2,440 $2,389
State Farm $1,922 $2,270 $2,096 $2,096
USAA $1,322 $1,714 $2,266 $1,520

How does a DUI affect Amherst, VA car insurance rates?

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

Annual Car Insurance Rates After a DUI in Amherst, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,460
GEICO $2,922
Nationwide $2,253
Progressive $2,440
State Farm $2,096
USAA $2,266

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How does your credit history affect Amherst, VA car insurance rates?

Take a look at the data here to see how your Amherst, Virginia car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Amherst, Virginia

Insurance Company Poor Fair Good
Allstate $3,863 $3,089 $2,548
GEICO $2,165 $1,841 $1,841
Nationwide $2,100 $1,692 $1,539
Progressive $2,681 $2,334 $2,177
State Farm $2,980 $1,848 $1,460
USAA $2,281 $1,554 $1,282

How does your commute affect Amherst, VA car insurance rates?

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

Annual Car Insurance Rates by Commute Length in Amherst, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,072 $3,261
GEICO $1,912 $1,985
Nationwide $1,777 $1,777
Progressive $2,397 $2,397
State Farm $2,045 $2,147
USAA $1,643 $1,768

Who has the cheapest Amherst, VA car insurance rates?

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

Best Annual Car Insurance Rates by Company in Amherst, Virginia

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

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What are the top Amherst, VA car insurance companies?

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

Average Annual Car Insurance Rates by Company in Amherst, Virginia

Insurance Company Average Annual Rates
Allstate $3,167
GEICO $1,949
Nationwide $1,777
Progressive $2,397
State Farm $2,096
USAA $1,706

What factors affect Amherst, VA car insurance rates?

Why are Amherst, Virginia car insurance rates different than rates in Alexandria or Roanoke? 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, VA?

More time spent behind the wheel can lead to higher Amherst, Virginia car insurance rates. In Amherst, VA, the average commute length is 21.3 minutes.

Car Insurance Quotes for Amherst, VA

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