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Get Cheap Car Insurance in Amherst, CO
We monitor insurance prices, helping the average driver in Amherst save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Amherst
The chart below shows the cheapest car insurance company in Amherst for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.
| Amherst Insurer | Monthly Cost |
|---|---|
| State Farm | $65 |
| Bristol West | $77 |
| Safeco Insurance | $79 |
| Geico | $81 |
Savings for Every Kind of Amherst Driver
Based on our extensive insurance data, we know the average Amherst driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $411 per year by choosing the right vehicle insurance company. Some Amherst residents are paying out over $1,917 extra every year for auto insurance in Amherst. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Amherst, CO Savings / Yr. |
|---|---|
$411 |
|
$732 |
|
$589 |
|
$630 |
|
$1,864 |
|
$494 |
|
$723 |
Amherst Car Insurance vs. Colorado
People living in Amherst pay an average of 1.42% more than the typical driver in the state. The average driver in Amherst can expect to pay about $1,120 per year, or $1,917 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Amherst for most people.
Car Insurance Prices by Amherst Neighborhood
Insurance Prices
Where is insurance cheapest within Amherst?
The map shows insurance prices in and around Amherst, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $30 per year within the city boundaries, with insurance premiums ranging from a high of $1,919 to a low of $1,889. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Amherst.Pick the Best Car Insurance Company for You in Amherst
The best car insurance provider for most drivers in Amherst
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $411 over the average Amherst car insurance company.
The best car insurance provider for Amherst drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $732 over the competition.
The best car insurance company for Amherst drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $589 better than other car insurance companies.
The best auto insurance for Amherst drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $630 less each year.
The least expensive car insurance company for new and young drivers in Amherst
In Amherst, State Farm costs young drivers $1,864 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Amherst
State Farm gave the largest car insurance discounts to married couples, averaging $494 saved each year compared to an average Amherst couple's premiums.
The cheapest car insurance in Amherst for drivers with bad credit
The best Amherst car insurance company for customer service
Recent price drops
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The cheapest large national provider in Amherst
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Amherst driver can expect to pay about $128 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Amherst, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.Auto Insurance Prices in and Around Amherst
What Influences the Cost of Car Insurance in Amherst?
On average, car insurance in Amherst is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Colorado state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Amherst are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Amherst is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Amherst is $93 per month for minimum coverage and $160 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Venango: Insurance costs 24.05% less
- Holyoke: Insurance costs 0.73% less
- Lamar: Insurance costs 23.89% less
- Paoli: Insurance costs the same
- Ovid: Insurance costs 1.46% less
- Julesburg: Insurance costs 0.47% less
- Haxtun: Insurance costs 0.37% less
- Champion: Insurance costs 23.58% less
- Sedgwick: Insurance costs 1.46% less
- Grant: Insurance costs 24.62% less
Cities with Similar Populations
- Peel: Insurance costs 28.59% less
- Bickleton: Insurance costs 32.55% less
- Rhyolite: Insurance costs 10.80% more
- Quaker: Insurance costs 15.39% less
- Buffalo City: Insurance costs 14.92% less
- Cougar: Insurance costs 28.17% less
- Silver Bay: Insurance costs 9.08% more
- Ventucopa: Insurance costs 4.80% less
- Herod: Insurance costs 22.38% less
- Thendara: Insurance costs 7.41% more