Compare Amherst, NY Car Insurance Rates (2021)

The cheapest Amherst, NY car insurance is offered by GEICO, but rates will be different for every driver. Auto insurance in Amherst must meet the New York minimum requirements of 25/50/10 in liability, $50,000 in PIP, and 25/50 in uninsured/underinsured motorist coverages. Compare Amherst, NY car insurance quotes online to find the cheapest coverage for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Sep 8, 2021

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Here's what you need to know...

  • GEICO offers the cheapest Amherst, NY car insurance for the average driver
  • Amherst car insurance is cheaper than the average for New York
  • Amherst is a suburb of Buffalo, NY, and shares traffic with the city

Amherst, NY car insurance is cheaper than the New York car insurance average. This is good news for drivers in the Buffalo suburb. Drivers have more policy options that fit into tighter budgets. Whether you’re talking about auto, homeowners, or something else, insurance bills are an essential part of our everyday lives. Sometimes they give us peace of mind. Other times, they help us meet bank and legal requirements.

Even though rates are cheaper than average, you still want to find the most affordable Amherst, NY car insurance out there. This means comparing quotes from carriers to see who offers the lowest price and if there are other differences between policies. Sometimes, a cheap price could mean sacrificing coverage or other benefits. Shop around to find cheap car insurance that meets your needs.

Enter your ZIP code now to compare Amherst, NY car insurance rates from multiple companies near you for free.

What is the cheapest car insurance company in Amherst, NY?

The cheapest Amherst, NY car insurance company for most drivers is GEICO, but rates will be different for every driver. Factors like age, driving history, credit score, and other factors all affect your rates. If you have too many tickets or accidents, some of these companies may not offer coverage, and you may need to get legal advice to make sure you’re meeting all insurance requirements.

For the average driver, the top Amherst, NY car insurance companies listed from least to most expensive are:

  • GEICO – $2,062.05
  • Progressive – $3,087.69
  • USAA – $3,163.69
  • Nationwide – $3,174.04
  • Travelers – $3,569.27
  • Allstate – $4,056.29
  • State Farm – $4,228.54
  • Liberty Mutual – $5,536.68

Your car insurance rates are affected by many different factors, such as your age and driving record. Where you live affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, car insurance in New York City, NY is more expensive than coverage in Amherst.

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What car insurance coverage is required in Amherst, NY?

Like most states, New York requires that drivers carry at least a minimum amount of car insurance. Amherst drivers must have:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $50,000 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

This is not a lot of coverage, especially in a serious accident. While it may seem like a lot, even a small accident will eat the amounts up quickly. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered. While other drivers are required to go through your insurance first if you’re at fault, they can still sue you for the remainder. If you have a business owners policy with business auto coverage, it’s even more important to have the right coverage to protect your business interests.

What affects car insurance rates in Amherst, NY?

High traffic volume can put you at great risk for accidents and raise your car insurance rates. The more people around you, the more likely someone is to be reckless. Even if everyone’s a responsible driver, weather and other factors that aren’t in our control can cause more accidents when everybody is closer together.

Although INRIX doesn’t have data for Amherst, it does rank nearby Buffalo, NY as the 145th most congested city in the U.S.

City-Data also doesn’t list commute data for Amherst. However, Amherst is a suburb of Buffalo, and data shows most drivers there commute around 20 minutes. Compared to areas like Manhattan, though, traffic is light driving down rates compared to some other areas.

Auto theft can also cause your car insurance rates to go up. According to the FBI, there were only 41 motor vehicle thefts in Amherst in one year. Compared to areas with much higher property crime and theft rates, Amherst also has an advantage in your insurance rates. This applies to both personal and business insurance products.

Should you choose the largest auto insurance provider in Amherst?

Amherst auto insurance is cheaper than average, but you should still shop around before you buy Amherst, NY car insurance. Every company will charge a different rate so compare quotes from various companies to find the best deal. The large providers may be right for you. The best way to find out for sure is by comparing your options.

Enter your ZIP code now to compare Amherst, NY car insurance quotes for free near you.

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