Amherst Auto Insurance Rates, Quotes, Agents & Reviews in MA

Amherst, MA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Amherst, MA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Find the Best Auto Insurance Cost In Amherst, MA

In Amherst, MA the average cost of vehicle insurance is $1306. Auto insurance premiums vary greatly depending on individual rating variables, which Zimlon delves into further below. The cheapest form of auto insurance a person can have depends on their age and location when obtaining it, as well as other criteria imposed by state law or any firm they may be purchasing from with a range of rates.

Examine the factors and discounts accessible in Amherst, MA in the table below.

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Costs for Multi-Car Insurance

Amherst car owners might save money on insurance by purchasing multiple policies from the same company. Bundled rates are less expensive because your policies and claims are handled by one firm rather than many organisations. The following are some examples of average savings:

Based on the driver's age

Teenagers and young drivers have higher insurance rates because they are perceived as more careless behind the wheel. In Amherst, minors pay $4238 on average for auto insurance, compared to $1293 and $1244 for older persons 30-40 years old. Car owners in Amherst can save money on their insurance by comparing age-based policies and taking advantage of discounts such as the good student/driver discount or defensive driving.

Depending on your credit score

Car insurance may be less expensive for those with good credit and a clean driving record. According to Zimlon's research, if you are a "excellent" driver with a score of 800 or higher, your average annual premium in Amherst is $1121; however, if you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, your premiums will shoot up to $1361. In other words, car owners with good credit pay less than the average insurance cost, and car owners with bad credit spend up to $2130 in premiums.

Based on security features 

Cars with safety features not only safeguard the vehicle and its occupants, but they can also save money. Car insurance firms will offer discounts to road safety advocates who install as many safety features as possible on their vehicles. Depending on the type or amount of protective features installed, cost savings will vary. According to Zimlon's research, automobile owners in Amherst can save $1215 on auto insurance by installing passive disabling devices. In Amherst installing features such as an audible alarm or an active disabling device can lower insurance prices to $1254. The average cost of insurance for cars equipped with active tracking systems is $1228.

Factors that can influence the cost of car insurance in Amherst, MA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Amherst, MA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Amherst, MA with that of other cities in and around Amherst.

Amherst Leverett Hadley Pelham Hatfield South Amherst
Average Insurance Rates $1,306 $1,307 $1,292 $1,299 $1,283 $1,292

Amherst, MA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Amherst, MA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Amherst $1,347 $1,138
Amherst Center $1,338 $1,130
South Amherst $1,423 $1,202
North Amherst $1,027 $867
Hadley $1,392 $1,175
Pelham $1,444 $1,220
Hatfield $1,423 $1,202
Leverett $2,445 $2,065

Amherst, MA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Amherst, MA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,238
20 Years $1,678
30 Years $1,293
40 Years $1,244
50 Years $1,152
60 Years $1,168
70 Years $1,359

Amherst, MA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Amherst, MA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,272 $340
3 Vehicles $3,409 $509
4 Vehicles $4,545 $679

Savings on 2 Vehicles bundle:$340

Savings on 3 Vehicles bundle:$509

Savings on 4 Vehicles bundle:$679


Amherst, MA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Amherst, MA.

Location Average Insurance Cost Post DUI Insurance Rate
Amherst $1,306 $2,365
Amherst Center $1,675 $3,033
South Amherst $1,292 $2,339
North Amherst $1,317 $2,385
Hadley $1,292 $2,339
Pelham $1,299 $2,352
Hatfield $1,283 $2,323
Leverett $1,307 $2,366

Amherst, MA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,121
Excellent (740-799) $1,279
Good (670-739) $1,361
Average (580-669) $1,775
Poor (300-579) $2,130

Amherst, MA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Mark D. Lavallee Lutcf Liberty Mutual 11 Village Hill Rd. Suite 103, Northampton, 1060 1-413-582-7059
Haberman Insurance Group Liberty Mutual Independent 95 Ashley Ave , West Springfield, 1089 (413)341-1489
Axia Insurance Services Inc Liberty Mutual Independent 933 E COLUMBUS AVE, SPRINGFIELD, 1105 413-788-9000
Chi Insurance Agency Inc Travelers 17 COLLEGE ST, S HADLEY, 1075 413-536-0751
Downey Insurance Agency Inc None 190 East Main St, Marlborough, 1752 (508)306-4496
Wiersma Insurance Liberty Mutual Independent 781 Main Street , Whitinsville, 1588 None
Alexander Sinkus Liberty Mutual 112 Turnpike Rd 2Nd Floor, Westborough, 1581 1-508-836-4195
Marion & Werenski Insurance Agency Travelers 439 GRANBY RD, SOUTH HADLEY, 1075 413-533-0636
Secure Insurance Agency Llc None 16 E Main St, Westborough, 1581 None
Robert P Powers Insurance Agency Inc Travelers 10 INSTITUTE ROAD, WORCESTER, 1609 508-752-3701
Oconnor & Company Insurance Agency Inc Travelers 25 SUTTON AVE, OXFORD, 1540 508-943-3333

Amherst, MA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$57 $1,363
Driver's Failure In Showing Documents +$127 $1,433
Driving With An Expired Registration +$135 $1,441
Driving At A Considerably Slow Pace +$283 $1,589
Using A Cellphone While Driving +$299 $1,605
Running A Red Light +$304 $1,610
Speeding +$320 $1,626
Driving A Vehicle Without The Required Permission +$406 $1,712
Driving With An Expired/Suspended License +$880 $2,186

Amherst, MA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,254
Active Disabling Device $1,254
Tracking Device $1,228
Passive Disabling Device $1,215

Latest Auto Insurance Reviews in Amherst, MA | Back to Top

State Farm
I would highly recommend State Farm. From the customer service agents to our actual insurance agent, everyone is knowledgeable, friendly and eager to help.
State Farm
my deductible with state farm is decent I think its pretty comparable to other insurance companies
State Farm
They offer full coverage and low rates. Student discounts and good driver discounts.
Liberty Mutual
They have a policy that fits all our needs and is adjustable to fit the changes in our lives - adding or removing cars and drivers, changing full coverage to liability, etc.
Progressive
There prices are very reasonable compared to other insurance companies especially the last one I had. My payments were ridiculously high compared to now.
State Farm
I am completely satisfied with my home insurance. My agent has always worked with me to provide the best possible service and pricing.