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Car Insurance Quotes in Amherst, MA

Full coverage / year
$1,596
State minimum / year
$620
Typical quote range
$1,133 – $2,202

Drivers in Amherst pay an estimated $1,596 a year for full coverage car insurance, or about $133 a month. Premiums here land roughly 6% under the Massachusetts average thanks to lighter traffic and below-average claim frequency. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Amherst, MA

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$133/ month
$1,596 per year · carriers in Amherst, MA typically quote $1,133 – $2,202
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Amherst, MA

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,213$101-24%Military members and families only
Geico$1,309$109-18%Usually cheapest for clean records
State Farm$1,404$117-12%Strong for young and student drivers
Progressive$1,516$126-5%Competitive after a ticket or accident
Travelers$1,548$129-3%Good multi-policy discounts
Nationwide$1,596$1330%Mid-market, wide availability
Allstate$1,819$152+14%Higher base rate, heavy discount stacking
Farmers$1,931$161+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Amherst, MA. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Amherst

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$4,310$1,675$359
18 years old$3,635$1,413$303
20 years old$3,010$1,170$251
22 years old$2,500$972$208
25 years old$1,908$741$159
30 years old$1,645$639$137
40 years old$1,546$601$129
50 years old$1,481$575$123
60 years old$1,464$569$122
65 years old$1,530$594$127
70 years old$1,678$652$140
75 years old$1,958$761$163

Estimated premiums by age in Amherst, MA, clean record, sedan.

What a ticket, accident or DUI costs in Amherst

Driving recordEst. annualIncrease
Clean record$1,596—
1 speeding ticket$1,963+23%
1 at-fault accident$2,346+47%
DUI / DWI$3,016+89%

What a violation costs a 35-year-old in Amherst, MA. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Massachusetts

Every driver registering a vehicle in Massachusetts must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Massachusetts Department of Insurance.

Required coverage in MassachusettsMinimum limit
Bodily injury liability, per person$20,000
Bodily injury liability, per accident$40,000
Property damage liability$5,000
PIP $8,000Required
Uninsured motorist 20/40Required
Insurance systemNo-fault

Coverage levels compared in Amherst

Coverage levelEst. annualEst. monthly
State minimum liability$620$52
Full coverage (100/300/100 + comp & collision)$1,596$133
Full coverage, high limits + low deductible$1,899$158

Coverage level comparison for Amherst, MA.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Amherst

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Amherst covers 01002, 01003, 01004 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Amherst, MA?
Full coverage in Amherst is estimated at $1,596 a year ($133 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $620 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Massachusetts?
Massachusetts requires at least $20,000 bodily injury per person, $40,000 per accident and $5,000 property damage, plus pip $8,000, uninsured motorist 20/40. Massachusetts is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Amherst?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Amherst for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Amherst?
An 18-year-old in Amherst is estimated at $3,635 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Amherst?
A DUI takes the estimate from $1,596 to about $3,016 a year in Amherst, an increase of roughly 89%. Massachusetts drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Amherst?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

Amherst CenterNorthamptonSouth HadleyEasthamptonHolyokeNorth ChicopeeLudlowGreenfield

Comparing more of Massachusetts? See every Massachusetts city we price or read the cheap car insurance guide for Amherst.