Compare Amherst, OH Car Insurance Rates (2021)

Car insurance in Amherst, OH averages $221 a month. Amherst, Ohio car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Amherst car insurance rates, compare quotes from the top car insurance companies in Amherst, OH.

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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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Amherst for teen drivers is USAA
  • Average car insurance rates in Amherst, OH are $2,650/year
  • The cheapest car insurance company in Amherst is USAA

If you need to buy Amherst, Ohio car insurance, the options can be confusing. Everything you need to know about car insurance in Amherst, OH is right here.

You’ll find Amherst car insurance rates, the cheapest Amherst, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Amherst, Ohio car insurance rates to Canton car insurance rates, Parma car insurance rates, and Cleveland car insurance rates.

Ready to find affordable Amherst, OH car insurance today? Enter your ZIP code for fast, free Amherst car insurance quotes.

Cheapest Amherst, OH Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Amherst, OH car insurance rates? Every Amherst, Ohio car insurance company weighs these factors differently, so check out the comparison rates.

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

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 $1,911 $1,899 $1,735 $1,853 $5,343 $6,095 $1,990 $2,113
American Family $923 $956 $854 $855 $3,002 $3,250 $1,146 $1,206
Farmers $1,710 $1,708 $1,504 $1,591 $7,779 $8,096 $1,916 $1,995
GEICO $1,148 $1,115 $1,094 $1,113 $3,064 $2,840 $1,270 $1,065
Liberty Mutual $1,886 $2,059 $1,447 $1,768 $10,070 $11,368 $1,991 $2,168
Nationwide $2,112 $2,119 $1,912 $1,921 $5,500 $7,057 $2,258 $2,617
Progressive $1,681 $1,573 $1,402 $1,448 $7,669 $8,630 $2,004 $2,074
State Farm $1,358 $1,358 $1,225 $1,225 $4,360 $5,479 $1,580 $1,807
Travelers $1,370 $1,389 $1,373 $1,364 $6,058 $9,587 $1,433 $1,615
USAA $801 $807 $765 $762 $2,470 $2,745 $1,066 $1,146

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Minimum Car Insurance in Amherst, OH

Every driver must carry the minimum car insurance in Amherst, OH. Take a look at the Ohio car insurance requirements.

Minimum Required Car Insurance Coverage in Amherst, Ohio

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

Cheapest Amherst, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Amherst, OH. Compare credit history car insurance rates in Amherst from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Amherst, Ohio

Insurance Company Poor Fair Good
Allstate $3,677 $2,687 $2,238
American Family $2,027 $1,378 $1,166
Farmers $3,715 $3,149 $2,998
GEICO $1,901 $1,589 $1,276
Liberty Mutual $5,853 $3,604 $2,826
Nationwide $3,843 $3,099 $2,619
Progressive $3,702 $3,217 $3,012
State Farm $3,276 $2,025 $1,596
Travelers $3,376 $2,943 $2,752
USAA $1,708 $1,215 $1,038

Cheapest Amherst, OH Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Amherst, OH to rates for a clean record with top companies.

Annual Amherst, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,400 $2,916 $3,431 $2,723
American Family $1,460 $1,545 $1,545 $1,545
Farmers $2,710 $3,495 $3,408 $3,536
GEICO $1,077 $1,554 $2,272 $1,453
Liberty Mutual $3,433 $4,426 $4,508 $4,011
Nationwide $2,564 $3,248 $4,106 $2,830
Progressive $2,852 $3,890 $3,040 $3,459
State Farm $2,088 $2,510 $2,299 $2,299
Travelers $2,219 $2,903 $4,388 $2,585
USAA $1,014 $1,359 $1,785 $1,123

Cheapest Amherst, OH Car Insurance for Teen Drivers

Teen car insurance in Amherst, OH can be expensive. Take a look at rates from the top car insurance companies in Amherst for teenagers.

Annual Car Insurance Rates for Teen Drivers in Amherst, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,343 $6,095
American Family $3,002 $3,250
Farmers $7,779 $8,096
GEICO $3,064 $2,840
Liberty Mutual $10,070 $11,368
Nationwide $5,500 $7,057
Progressive $7,669 $8,630
State Farm $4,360 $5,479
Travelers $6,058 $9,587
USAA $2,470 $2,745

Cheapest Amherst, OH Car Insurance for Seniors

Take a look at Amherst, OH senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Amherst, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,735 $1,853
American Family $854 $855
Farmers $1,504 $1,591
GEICO $1,094 $1,113
Liberty Mutual $1,447 $1,768
Nationwide $1,912 $1,921
Progressive $1,402 $1,448
State Farm $1,225 $1,225
Travelers $1,373 $1,364
USAA $765 $762

Cheapest Amherst, OH Car Insurance Rates After a DUI

A DUI in Amherst, OH increases car insurance rates. Compare Amherst, Ohio DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Amherst, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,431
American Family $1,545
Farmers $3,408
GEICO $2,272
Liberty Mutual $4,508
Nationwide $4,106
Progressive $3,040
State Farm $2,299
Travelers $4,388
USAA $1,785

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Cheapest Amherst, OH Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Amherst, OH by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Amherst, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,867 $2,867
American Family $1,505 $1,542
Farmers $3,287 $3,287
GEICO $1,562 $1,615
Liberty Mutual $4,094 $4,094
Nationwide $3,187 $3,187
Progressive $3,310 $3,310
State Farm $2,240 $2,358
Travelers $3,024 $3,024
USAA $1,270 $1,370

The Best Cheap Car Insurance Companies in Amherst, OH

Take a look at a side-by-side comparison of the top car insurance companies in Amherst, OH to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Amherst, Ohio

Insurance Company Average Annual Rates
Allstate $2,867
American Family $1,524
Farmers $3,287
GEICO $1,589
Liberty Mutual $4,094
Nationwide $3,187
Progressive $3,310
State Farm $2,299
Travelers $3,024
USAA $1,320

Category Winners: Cheapest Car Insurance in Amherst, Ohio

Find the cheapest car insurance companies in Amherst, OH for each category right here.

Best Annual Car Insurance Rates by Company in Amherst, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

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Cheapest Amherst, OH Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Amherst car insurance rates. Find the cheapest Amherst, OH car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Amherst, Ohio

Insurance Company Low Medium High
Allstate $2,755 $2,861 $2,987
American Family $1,491 $1,536 $1,545
Farmers $3,100 $3,232 $3,530
GEICO $1,530 $1,581 $1,656
Liberty Mutual $3,917 $4,119 $4,247
Nationwide $3,499 $3,091 $2,971
Progressive $3,162 $3,279 $3,490
State Farm $2,169 $2,307 $2,421
Travelers $2,930 $3,065 $3,075
USAA $1,258 $1,319 $1,384

What affects car insurance rates in Amherst, Ohio?

What factors can have an impact on Amherst, OH car insurance? There are several reasons why Amherst car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Amherst, Ohio.

Car Theft in Amherst

High levels of vehicle theft can make car insurance more expensive. Amherst, OH car theft statistics from the FBI indicate 1 vehicle thefts a year.

Commute Time in Amherst

The more time you spend in your car the higher the risk of an accident. The average commute length in Amherst, OH is 22.0 minutes according to City-Data.

Compare Car Insurance Quotes in Amherst, OH

Ready to find affordable Amherst, Ohio car insurance today? Enter your ZIP code for fast, free Amherst, OH car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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