Best Amherst, New York Auto Insurance in 2024 (Top 10 Companies Ranked)
For the best Amherst, New York auto insurance, State Farm, Geico, and Progressive offer excellent choices that offer rates starting at $115 per month. They provide affordable rates, reliable coverage with broad discounts, and offer flexible options like accident forgiveness for Amherst residents.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Nov 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,759 reviewsCompany Facts
Full Coverage In Amherst New York
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
19,116 reviewsCompany Facts
Full Coverage in Amherst New York
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage in Amherst New York
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsFor the best Amherst, New York auto insurance, State Farm, Geico, and Progressive lead the way with rates starting at $115 monthly. This will serve as your comprehensive guide to navigating the auto insurance landscape in Amherst, identifying reputable insurers, and understanding what makes each provider stand out.
We will delve into coverage specifics, the factors influencing auto insurance premiums, and strategies for obtaining affordable rates.
Our Top 10 Company Picks: Best Amherst, New York Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 20% B Reliable Coverage State Farm
#2 25% A++ Affordable Rates Geico
#3 12% A+ Flexible Options Progressive
#4 25% A+ Comprehensive Coverage Allstate
#5 25% A Replacement Coverage Liberty Mutual
#6 20% A+ Vanishing Deductible Nationwide
#7 10% A+ Customer Service Erie
#8 8% A++ Usage Based Travelers
#9 25% A+ Customer Satisfaction Amica
#10 10% A++ Military Benefits USAA
This guide provides the knowledge needed to make well-informed auto insurance decisions. Comparing multiple insurance quotes is the most effective way to secure the best policy.
Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.
- State Farm leads with competitive rates starting at $115/month
- Tailored solutions to meet Amherst’s unique auto insurance needs
- Compare policies to secure the best insurance in Amherst
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#1 – State Farm: Best for Reliable Coverage
Pros
- Accident-Free Discount: State Farm offers discounts for safe driving, reducing Amherst, New York auto insurance rates for accident-free policyholders.
- Local Agent Network: According to our State Farm auto insurance review, Amherst drivers can access a wide network of local agents for personalized support.
- Reliable Claims Service: State Farm is known for prompt claims handling, making it easier for Amherst drivers to return to the road after an accident.
Cons
- Higher Rates for High-Risk Drivers: Amherst, New York auto insurance premiums with State Farm can be higher for drivers with accidents or violations.
- Limited Online Tools: Some users report that the online interface for managing State Farm policies could be more user-friendly for Amherst customers.
#2 – Geico: Best for Affordable Rates
Pros
- Competitive Rates: Geico offers some of the most affordable Amherst, New York auto insurance premiums, starting at $40 per month.
- Good Driver Discounts: In our Geico auto insurance review, Amherst drivers with a clean driving record can access generous policy discounts.
- Efficient Online Management: Geico provides a robust online platform, allowing Amherst drivers to manage their policies and claims easily.
Cons
- Limited Local Agent Support: Amherst, New York auto insurance customers may find fewer local agents compared to other major insurers.
- Higher Premiums for Customized Coverage: Amherst drivers seeking more personalized coverage options may experience higher premiums.
#3 – Progressive: Best for Flexible Options
Pros
- Snapshot Program: Amherst drivers can use Progressive’s Snapshot program to lower their auto insurance rates based on driving habits.
- Customizable Coverage: Based on our Progressive auto insurance review, Progressive offers a range of coverage options tailored to Amherst, New York auto insurance needs.
- Accident Forgiveness: Amherst drivers can benefit from accident forgiveness, ensuring premiums don’t spike after their first accident.
Cons
- Increased Rates for Poor Driving Records: Amherst, New York auto insurance rates with Progressive may rise significantly after traffic violations.
- Less Competitive for Full Coverage: Amherst drivers may find that Progressive’s full coverage plans are less affordable than other companies.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#4 – Allstate: Best for Comprehensive Coverage
Pros
- Safe Driving Bonus: Amherst, New York auto insurance customers can earn a bonus for every six months of safe driving with Allstate.
- Wide Range of Coverage: Allstate provides extensive coverage options, including comprehensive and collision, ideal for Amherst drivers looking for robust protection.
- Multi-Policy Discount: Within our Allstate auto insurance review, Amherst residents can bundle home and auto insurance for substantial savings.
Cons
- Higher Premiums for Young Drivers: Amherst, New York auto insurance rates with Allstate may be higher for younger, less experienced drivers.
- Claims Process Complaints: Some Amherst drivers report slower claims processing times than competitors.
#5 – Liberty Mutual: Best for Replacement Coverage
Pros
- Better Car Replacement: Amherst, New York auto insurance customers can benefit from Liberty Mutual’s Better Car Replacement, which provides a newer car if yours is totaled.
- Hybrid Vehicle Discounts: Amherst drivers with eco-friendly cars can enjoy discounts for hybrid or electric vehicles.
- Customizable Policy: Explore our Liberty Mutual auto insurance review to see how Liberty Mutual allows Amherst drivers to tailor their policies to fit specific coverage needs.
Cons
- Expensive Add-Ons: Amherst residents may find that optional coverage, such as replacement coverage, increases premiums significantly.
- Limited Local Agent Availability: Liberty Mutual has fewer local agents in Amherst, making in-person service less accessible.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: View our Nationwide auto insurance review to learn how Amherst drivers can reduce their deductible by $100 each year of safe driving.
- Accident Forgiveness: Amherst, New York auto insurance policyholders with Nationwide can avoid rate increases after their first accident.
- SmartRide Program: Amherst drivers can save money using Nationwide’s SmartRide program, rewarding good driving habits.
Cons
- Higher Base Premiums: Nationwide’s Amherst, New York auto insurance rates may be higher than those of some competitors before applying discounts.
- Limited Online Features: Some Amherst residents may find Nationwide’s online policy management tools less comprehensive than other providers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#7 – Erie: Best for Customer Service
Pros
- Top-Rated Customer Service: Erie is known for excellent customer service, making it a favorite among Amherst, New York auto insurance policyholders.
- Affordable Full Coverage: Discover our Erie auto insurance review to see how Amherst drivers can access competitive full coverage options at lower-than-average rates.
- First Accident Forgiveness: Erie offers accident forgiveness for Amherst residents, ensuring premiums don’t rise after the first incident.
Cons
- Availability Limited to Certain States: Erie’s Amherst, New York auto insurance coverage is unavailable nationwide, limiting options for drivers who may move out of state.
- Less Digital Convenience: Some Amherst customers report that Erie’s digital tools for policy management are not as advanced as competitors.
#8 – Travelers: Best for Usage-Based Insurance
Pros
- IntelliDrive Program: Amherst, New York auto insurance customers can use Travelers’ IntelliDrive to monitor driving habits and earn discounts.
- Comprehensive Coverage Options: Travelers offers extensive coverage choices, making it easy for Amherst drivers to find a policy that fits their needs.
- Strong Financial Stability: Delve into our Travelers auto insurance review to understand why Amherst drivers trust Travelers’ financial strength.
Cons
- Higher Premiums for High-Mileage Drivers: Amherst drivers with long commutes may find Travelers’ usage-based insurance less beneficial.
- Strict IntelliDrive Penalties: Poor driving habits tracked through IntelliDrive may lead to higher Amherst, New York auto insurance premiums.
#9 – Amica: Best for Customer Satisfaction
Pros
- Award-Winning Customer Service: Amica consistently ranks highly for customer satisfaction, making it a top choice for Amherst, New York auto insurance customers.
- Dividend Policies: Amherst drivers can save money with Amica’s dividend policies, which return a portion of premiums to policyholders.
- Excellent Claims Process: See our Amica auto insurance review to understand why Amica is praised for its efficient claims process, which is crucial for Amherst drivers needing quick resolutions.
Cons
- Higher Premiums for Full Coverage: Amica’s Amherst, New York auto insurance rates for full coverage tend to be higher than some competitors.
- No Usage-Based Discounts: Unlike some competitors, Amica does not offer a usage-based discount program for Amherst drivers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#10 – USAA: Best for Military Benefits
Pros
- Exclusive Military Benefits: USAA offers Amherst, New York auto insurance policies with tailored benefits for military families, including competitive rates and special discounts.
- Accident Forgiveness: USAA provides accident forgiveness, preventing Amherst drivers from experiencing premium hikes after their first accident.
- High Customer Satisfaction: With our USAA auto insurance review, explore why USAA is highly regarded for its customer service and support for Amherst military members and veterans.
Cons
- Limited to Military Families: USAA is only available to Amherst residents with military ties, limiting access for non-military individuals.
- Fewer Local Offices: USAA has limited physical office locations in Amherst, which may make in-person assistance more difficult for some customers.
Compare Auto Insurance Rates in Amherst, NY
When comparing auto insurance rates in Amherst, New York, Allstate offers minimum coverage at $55 and full coverage at $150. At the same time, Geico has competitive rates starting at $40 for minimum coverage and $120 for full coverage. USAA provides rates starting at $38 for minimum coverage and $115 for full coverage, catering to military personnel and their families.
Amherst, New York Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$55 $150
$44 $128
$42 $125
$40 $120
$60 $160
$48 $138
$50 $140
$45 $135
$47 $130
$38 $115
Many insurers in Amherst offer discounts to help drivers save. Allstate provides multi-policy, safe driver, and new car discounts, while Amica offers loyalty and autopay savings. Geico offers military and good driver discounts, making it ideal for those looking to compare auto insurance rates by make and model and maximize savings.
Auto Insurance Discounts From the Top Providers in Best Amherst, New York
| Insurance Company | Available Discounts |
|---|---|
| Bundling, Safe Driver, New Car, Good Student, Anti-Theft, Paperless Billing |
| Bundling, Good Student, Anti-Theft, Loyalty, Autopay, Paid In Full |
| Bundling, Safe Driver, Paid In Full, Young Driver, Vehicle Safety Equipment |
| Bundling, Good Driver, Military, Good Student, Anti-Theft, Safety Equipment |
| Bundling, Good Student, Safe Driver, Hybrid, Anti-Theft, Early Shopper |
| Bundling, SmartRide, Vanishing Deductible, Good Student, Paperless |
| Bundling, Snapshot, Safe Driver, Good Student, Continuous Insurance |
| Bundling, Safe Driver, Good Student, Anti-Theft, Drive Safe & Save |
| Bundling, Safe Driver, IntelliDrive, Good Student, Homeowner |
| Bundling, Safe Driver, Good Student, Military, Stored Vehicle, Loyalty |
Different companies offer discounts tailored to specific needs. Liberty Mutual provides discounts for early shoppers and hybrid vehicles, while Nationwide offers the SmartRide program that rewards safe driving. Progressive’s Snapshot program also adjusts rates based on driving behavior, offering additional ways to lower premiums while maintaining coverage.
Amherst, New York Auto Insurance Costs
The table outlines auto insurance rates across various locations, including Amherst, and New York, and compares them with rates in other significant U.S. metro areas. Amherst’s average auto insurance rate is $301 monthly, notably lower than the New York state average of $360.
Amherst, NY Monthly Auto Insurance Rates vs. Major U.S. Cities
| Location | Rate |
|---|---|
| Amherst | $301 |
| Chicago | $378 |
| Houston | $398 |
| Los Angeles | $445 |
| New York | $624 |
The comparison extends to larger cities, showcasing what the average auto insurance cost per month, like $624 in New York City, $445 in Los Angeles, $378 in Chicago, and $398 in Houston is. This information provides a clear perspective on how Amherst’s insurance rates stand compared to those of major urban hubs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Age and Gender Effects on Amherst Auto Insurance Rates
This table presents the monthly auto insurance rates by age for full coverage in Amherst, New York, categorized by age and provider. The data shows how premiums vary across different ages for seven insurance companies. For a 17-year-old, rates range from $331 with Geico to $750 with State Farm.
Amherst, New York Full Coverage Auto Insurance Monthly Rates by Age and Provider
| Group | Age: 17 | Age: 25 | Age: 35 | Age: 60 |
|---|---|---|---|---|
| $690 | $222 | $222 | $217 |
| $331 | $114 | $122 | $121 |
| 854 | $345 | $335 | $312 |
| $444 | $227 | $199 | $188 |
| $569 | $192 | $146 | $122 |
| $750 | $248 | $219 | $192 |
| $607 | $186 | $137 | $125 |
By age 25, the premiums decrease significantly, with Geico offering the lowest rate at $114. As customers age, the rates tend to stabilize and further decrease, exemplified by Nationwide’s lowest rates at age 60 at $188.
State Farm leads the pack in Amherst with unmatched reliability and competitive pricing, securing its spot as the go-to insurer for savvy drivers.Laura Berry Former Licensed Insurance Producer
The companies included are Allstate, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, and USAA, each providing full coverage options catering to different age groups in Amherst.
Compare Amherst NY Auto Insurance Rates by Age and Gender
This table presents a comprehensive overview of monthly auto insurance rates in Amherst, New York, segmented by provider and demarcated across various age groups and genders. The insurers listed include Allstate, Amica, Erie, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA, each offering unique coverage options.
Amherst, New York Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $667 | $714 | $223 | $222 | $230 | $214 | $216 | $219 |
| $620 | $790 | $215 | $235 | $200 | $190 | $185 | $180 |
| $545 | $680 | $185 | $210 | $160 | $155 | $150 | $148 |
| $267 | $394 | $112 | $115 | $125 | $120 | $121 | $120 |
| $651 | $1,057 | $335 | $356 | $335 | $335 | $312 | $312 |
| $356 | $532 | $199 | $255 | $199 | $199 | $188 | $188 |
| $541 | $598 | $196 | $188 | $152 | $140 | $120 | $123 |
| $656 | $844 | $242 | $254 | $219 | $219 | $192 | $192 |
| $503 | $606 | $222 | $229 | $210 | $210 | $194 | $206 |
| $554 | $660 | $177 | $195 | $138 | $136 | $125 | $125 |
Rates for genders aged 17, 25, 35, and 60 highlight the fluctuations in costs influenced by age, gender, and non-driving-related factors in auto insurance. This comprehensive analysis assists in pinpointing the most economical choices for distinct demographic segments in the Amherst area.
Gender-Specific Auto Insurance Rates in Amherst
This table presents the monthly full-coverage auto insurance rates in Amherst, New York, categorized by provider and gender. Rates are displayed for female and male drivers across various well-regarded companies including Allstate, Amica, Erie, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA.
Amherst, New York Auto Insurance Full Coverage Monthly Rates by Provider & Gender
| Insurance Company | Female | Male |
|---|---|---|
| $162 | $160 |
| $153 | $151 |
| $59 | $58 |
| $80 | $80 |
| $171 | $174 |
| $113 | $115 |
| $112 | $105 |
| $86 | $86 |
| $98 | $99 |
| $59 | $59 |
This detailed comparison underscores substantial price differences in full coverage auto insurance, revealing the most budget-friendly choices such as Erie and USAA, which are both priced at $59 for females and more expensive options like Liberty Mutual, which costs $174 for males.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Amherst, NY Auto Insurance: Best Rates by Company
The company offers the cheapest car insurance rates for various age groups and genders, offering a comparative look at premiums provided by eight major insurers. It includes data for married individuals at ages 35 and 60, as well as single individuals at ages 17 and 25.
Monthly Auto Insurance Rates by Coverage Level in Amherst, New York
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| $198 | $255 | $310 |
| $185 | $230 | $285 |
| $165 | $215 | $270 |
| $120 | $160 | $200 |
| $230 | $290 | $350 |
| $175 | $230 | $280 |
| $150 | $210 | $265 |
| $190 | $245 | $305 |
| $175 | $225 | $280 |
| $140 | $195 | $250 |
Amherst, New York Auto Insurance Rate Comparison by Commute Distance
This table presents full coverage auto insurance rates in Amherst, New York, by provider, comparing costs for two commute distances: a 10-mile commute with 6,000 annual miles and a 25-mile commute with 12,000 annual miles, illustrating how expensive commutes influence premiums. It includes Allstate, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA rates.
Amherst, New York Full Coverage Insurance Monthly Rates by Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $333 | $343 |
| $167 | $177 |
| $448 | $474 |
| $265 | $265 |
| $257 | $257 |
| $340 | $365 |
| $297 | $297 |
| $261 | $266 |
Some companies, including Nationwide, Progressive, and Travelers, maintain consistent rates regardless of mileage, indicating a policy of fixed pricing by commute distance. The table shows Geico offers the lowest rates, while Liberty Mutual has the highest. This data can help Amherst residents select an insurer aligned with their driving habits and coverage requirements.
Amherst, New York Auto Insurance Rates by Credit Score
This table illustrates how credit scores affect auto insurance rates for full coverage in Amherst, New York, with categories divided into good, fair, and poor credit. The insurance companies featured include Allstate, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, and USAA. The data reveals a trend where rates decrease as credit scores improve, highlighting the impact of creditworthiness on insurance costs.
Amherst, New York Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $316 | $337 | $362 |
| $162 | $171 | $182 |
| $439 | $460 | $485 |
| $248 | $262 | $283 |
| $241 | $256 | $275 |
| $329 | $355 | $373 |
| $256 | $262 | $273 |
For instance, Allstate offers rates from $316 for poor credit to $362 for good credit, while Geico’s rates range from $162 to $182. This information assists Amherst residents in selecting an insurance provider that matches their financial profile and coverage needs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Amherst, New York Auto Insurance Impact of DUI on Rates
A comprehensive view of how a DUI can affect full coverage auto insurance rates in Amherst, New York. It lists monthly premiums from various insurers for drivers with one DUI compared to those with a clean record, one accident, or one ticket. The insurers included are Allstate, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA.
Amherst, New York Auto Insurance Rates After a DUI
| Insurance Company | Monthly Rates |
|---|---|
| $418 |
| $274 |
| $738 |
| $448 |
| $278 |
| $370 |
| $323 |
| $343 |
For drivers with a clean record, rates begin at $134 with Geico and rise to $369 with Liberty Mutual. Following a DUI, premiums significantly escalate, showcasing how auto insurance companies check your driving record to adjust rates. Geico presents the smallest increase to $274, while Liberty Mutual imposes the most substantial rate hike to $738.
Amherst, New York Full Coverage Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Accident | One Ticket | One DUI |
|---|---|---|---|---|
| $287 | $287 | $361 | $418 |
| $134 | $146 | $134 | $274 |
| $369 | $369 | $369 | $738 |
| $202 | $202 | $206 | $448 |
| $250 | $250 | $252 | $278 |
| $335 | $335 | $370 | $370 |
| $235 | $238 | $238 | $343 |
This table illustrates the financial impact of driving infractions on auto insurance premiums, helping Amherst residents understand the potential cost implications of a DUI on their insurance.
This data underscores the importance of maintaining a clean driving record to secure lower auto insurance rates in Amherst, New York.
Amherst, New York Auto Insurance Key Rate Factors
The percentage changes in monthly full coverage auto insurance rates in Amherst, New York, based on various driving records and scenarios, including changes in commute distances, coverage levels, credit scores, DUIs, accidents, and speeding tickets. The comparison reveals significant impacts:
How Certain Factors Impact Amherst, NY Auto Insurance Cost
| Factor | Change |
|---|---|
| 6k vs. 12k Mile Commute | 3% |
| Low vs. High Coverage | 12% |
| Good vs. Bad Credit | 89% |
| Get a DUI | 55% |
| Have an Accident | 4% |
| Get a Speeding Ticket | 8% |
These percentages indicate how different factors affect auto insurance rates, helping Amherst residents understand what affects their premiums and how significant these impacts can be, depending on the coverage and risk factors involved.
Amherst, NY Auto Insurance Report Card
Amherst, New York, offers competitive auto insurance rates, various coverage options and a strong regulatory environment. The town’s stable rates, wide insurer selection, and solid claims satisfaction make it an attractive location for drivers seeking reliable coverage.
Amherst, New York Report Card: Auto Insurance Premium
| Category | Grade | Explanation |
|---|---|---|
| Coverage Options | A | Amherst offers a wide range of coverage levels and insurers to choose from |
| Regulatory Environment | A | Strong consumer protections and regulatory oversight by the state |
| Affordability | A- | Amherst's auto insurance rates are competitive compared to other U.S. cities |
| Claims Satisfaction | B+ | Customers report good experiences with claim handling, though it varies |
| Rate Stability | B | Rates are generally stable but can fluctuate due to factors like inflation |
Amherst continues to deliver affordable and dependable auto insurance options, backed by a robust regulatory framework and high customer satisfaction. Whether you’re a new or experienced driver, Amherst’s insurance market provides excellent choices to suit your needs. Additionally, drivers may wonder if they can claim car insurance on their tax return, depending on their circumstances and usage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Income and Ethnicity Influence Amherst, NY Auto Insurance Rates
Data wasn’t available at the county level, so this is Data USA’s chart for New York State. Whites and Asians held most occupations, including management, teaching, secretaries, and administrative assistants. Asians in management positions earned the highest salaries, at nearly $130,000 yearly.
data-media-max-width=”560″>
Stuck trying to choose the right coverage? Call State Farm. pic.twitter.com/rwojdNXjFa
— State Farm (@StateFarm) May 7, 2024
The table below shows how much of the top races and ethnicities’ earnings statewide went to car insurance premiums.
Amherst, New York Full Coverage Auto Insurance Monthly Rates by Wages & Ethnicity
| Monthly Car Insurance | Monthly Income | Percentage of Income | Notes |
|---|---|---|---|
| $25 | $466 | 5.45% | White |
| $25 | $435 | 5.85% | Native Hawaiian or Other Pacific Islander |
| $25 | $434 | 5.86% | Asian |
Five to six percent of Whites, Asians, and Native Hawaiians or other Pacific Islanders’ income in New York goes to car insurance, highlighting the importance of understanding car insurance and its financial impact.
Popular Cars Drive Amherst, NY Auto Insurance Costs
In Amherst, owning a vehicle involves navigating various challenges such as understanding the ownership trends in Erie County, dealing with traffic congestion, navigating busy highways, and maintaining road safety. Car ownership statistics show a preference for American-made cars, with the Chevrolet Malibu standing out as the most popular model among Amherst residents.
State Farm leads the pack in Amherst with unmatched reliability and competitive pricing, securing its spot as the go-to insurer for savvy drivers.Laura Berry Former Licensed Insurance Producer
This preference places Buffalo sixth out of 81 cities on the American Car Index, highlighting the importance of choosing the best auto insurance by vehicle type. Despite its popularity, the Malibu is noted for its smooth ride, good fuel efficiency, and ample space, though it faces tough competition in the midsize car segment.
Crash Statistics Shape Amherst, NY Auto Insurance Costs
This table shows the trend in total fatal crashes in Erie County from 2013 to 2017. There is a noticeable decline over the years, from 57 crashes in 2013 to 43 in 2017, suggesting improvements in road safety or effective traffic management strategies.
Erie County New York Total Fatal Crashes
| Erie County | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Fatal Crashes | 57 | 47 | 44 | 50 | 43 | 49 | 52 | 67 | 74 | 78 |
Detailing speeding-related fatalities within the same period, the numbers decreased from 19 in 2013 to 11 in 2017. This reduction highlights successful enforcement and awareness campaigns targeting speeding.
Erie County New York Fatalities-Involving-Speeding
| Erie County Crashes Involving Speeding | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Fatalities | 19 | 12 | 12 | 17 | 11 | 15 | 18 | 20 | 22 | 21 | 23 | 22 |
This data tracks the number of fatalities in crashes that occurred at intersections. A high of 467 deaths in 2013 declined to 373 by 2017, reflecting enhanced intersection safety measures or possibly better driver awareness.
Erie County New York Crash Fatalities Involving an Intersection
| Erie County Crashes Involving an Intersection (or Intersection Related) | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Fatalities | 467 | 377 | 419 | 385 | 373 | 392 | 412 | 395 | 410 | 435 | 455 | 470 |
Reviewing these tables together offers a more detailed view of the areas where Erie County has made progress in enhancing road safety. Understanding these patterns is essential for pinpointing effective measures and determining which segments, including what age group has the most fatal crashes, require more focused interventions to keep reducing traffic-related fatalities.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Accident Claims Influence Amherst, NY Auto Insurance Prices
Insurance companies keep track of driving statistics, and Allstate is no exception. Below are some figures regarding insurance claims drivers file in the Buffalo area, illustrating the importance of effectively filing a car insurance claim.
Amherst, New York Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | 1,200 |
| Claims per Year | 900 |
| Average Claim Cost | $6,000 |
| Percentage of Uninsured Drivers | 16% |
| Vehicle Theft Rate | 300 thefts/year |
| Traffic Density | High |
| Weather-Related Incidents | Low |
Allstate ranked the area as the 144th safest to drive in 2018. The average amount of time between claims, seven years, indicates that many drivers don’t often experience major accidents.
In the vicinity, the likelihood of a claim being made compared to the national average is 36 percent. Hard-braking incidents in the area average 25 per 1,000 miles.
Ridesharing Affects Amherst, NY Auto Insurance Premiums
Beyond regular taxi rides, below are the ridesharing services available in the Buffalo area, which may require considering the best rideshare auto insurance options.
- Carmel: Offers a variety of vehicles including sedans, minivans, stretch limousines, SUVs, and super-stretch SUV limos.
- Lyft: Provides a low-cost service with regular four-seat cars.
- Lyft Plus: Suitable for larger groups, offering vehicles that can seat six or more passengers, with higher fares to cover the costs of vans and SUVs.
- Talixo: Allows riders to choose from economy, business, or luxury class vehicles, accommodating up to seven passengers.
- Uber: Features Uber X for budget-friendly rides in regular-size cars and Uber XL for up to six passengers, catering to larger groups.
These ridesharing options in Buffalo cater to a range of needs, from economical solo trips to luxurious group excursions, ensuring convenient and versatile travel choices for residents and visitors alike.
To maximize safety and affordability, passengers and drivers should explore available rideshare auto insurance options that provide comprehensive coverage tailored to this unique mode of transportation.
Veterans Save on Amherst, NY Auto Insurance
Finding the right car insurance can be challenging, especially for military members or veterans seeking potential discounts. To simplify the process, we’ve gathered all the essential information in one place, including when local veterans served and the discounts insurers may offer.
Most local veterans served in Vietnam, followed by those from Korea and the Gulf War, with Vietnam veterans making up the largest group. However, there are no military bases within an hour of Erie County, highlighting the need for accessible options like the best auto insurance for military families and veterans in the area.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Veterans Receive Amherst, NY Auto Insurance Benefits
If you are or were in the U.S. military, most car insurance companies will want to give back by serving you. Many of them offer military discounts. Below is a list of known providers who give military discounts. We excluded those who offer military discounts only to certain states.
Military Auto Insurance Discounts
| Insurance Company | Savings Amount |
|---|---|
| Farmers | 5% |
| Geico | 15% |
| Liberty Mutual (must be active duty) | 4% |
| MetLife | 15% |
| USAA | 60% off when deployed 15% for garaging on base |
USAA gives a 15 percent military garage discount for garaging cars on a military base, illustrating one of the best garaging & storing auto insurance discounts available. Take advantage of these military discounts to lower your car insurance costs. Be sure to explore the options and find the best savings tailored to your needs as an active or retired service member.
Amherst, NY Auto Insurance Costs Reduced by USAA
USAA is car insurance available only to U.S. military personnel and their families. Compared to other insurers, USAA generally offers lower and more affordable rates. Below, you will see how USAA’s and other insurers’ rates compare to the average monthly premium in New York.
USAA Available in New York
| Insurance Company | Monthly Premium | Compared to State Average (+/-) | Compared to State Average (%) |
|---|---|---|---|
| $33 | $38 | $0 |
| $45 | $188 | $1 |
| $26 | -$43 | -0.1209 |
| $28 | -$23 | $0 |
| $17 | -$155 | $0 |
| $31 | $16 | $0 |
| $32 | $24 | $0 |
| $26 | -$44 | -0.1231 |
USAA and Geico auto insurance provide some of the most competitive rates for military members in Amherst. Take the time to compare these options to find the best coverage and savings for you and your family.
Zoning Laws Shape Amherst, NY Auto Insurance Requirements
Every city or town has specific laws governing daily life, and Amherst is no exception. It can be challenging to remember them all, so we’ve compiled key information about hands-free cell phone laws, food truck regulations, tiny home guidelines, and parking rules.
State Farm leads the pack in Amherst with unmatched reliability and competitive pricing, securing its spot as the go-to insurer for savvy drivers.Jeff Root Licensed Insurance Agent
In Amherst and Buffalo, hands-free cellphone laws follow New York state regulations, banning mobile phone use without a hands-free device and prohibiting texting for all drivers. Food truck operators in Erie County must follow health department guidelines, obtain permits, and display them in the vehicle. Required fees must be paid when applying for permits.
TYPE OF PERMIT AMHURST, NY
| TYPE OF PERMIT | FEE |
|---|---|
| Peddler’s or solicitor’s permit | $50.00 |
| Transient business permit | $50.00 |
| Mobile Food Vehicle Vendor permit | $250 for the first vehicle |
| $250 for each additional vehicle | |
| $250 for permit renewals. |
According to Amherst’s zoning laws, food truck vendors can operate between 9:00 a.m. and 8:00 p.m. on residential property, and from 9:00 a.m. to 11:00 p.m. elsewhere, including commercial properties or public rights-of-way next to non-residential areas. For tiny homes, they are typically treated as mobile homes and must comply with similar regulations, such as access to septic, water, and other utilities.
Amherst also has laws regulating house trailers and trailer camps, raising questions like does auto insurance cover towing a trailer under local regulations. As for parking, while there are no specific laws for reserved parking or parking in the wrong direction, the town does enforce off-street, vehicle, and handicapped parking regulations.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Amherst Auto Insurance Guide: Finding Your Best Fit
Navigating the auto insurance market in Amherst offers residents the chance to secure reliable and comprehensive coverage. Top providers deliver a variety of plans that cater to diverse needs, from full coverage auto insurance options to specialized discounts that enhance value. This flexibility ensures that drivers can find insurance solutions tailored to their lifestyles and budgets.
When exploring auto insurance options, it’s essential for residents to meticulously compare offerings and delve into the specifics of each policy. Making an informed choice not only protects drivers and their vehicles but also ensures that they receive the best possible service and support from their insurance, keeping them confident and secure on the road.
Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code below to begin.
Frequently Asked Questions
Where can I find the best auto insurance in Amherst?
To find the best auto insurance in Amherst, consulting with local car insurance agents who understand the specific requirements of the area is advisable. They can provide customized guidance. Researching different car insurance companies in Amherst also helps in exploring various policy options. Using a map of Amherst, New York, will assist you in identifying these agencies nearby.
For more insights, explore our comprehensive guide on the “Best Auto Insurance Companies” for detailed information.
What factors should I consider when choosing car insurance in Amherst?
When choosing car insurance in Amherst, consider factors such as coverage options, premium costs, the reputation of insurance companies, and the level of customer service provided. Engaging with local car insurance agents in Amherst can also offer personalized guidance based on your specific needs and driving habits.
What factors affect my auto insurance premium?
Discover what influences auto insurance costs in Amherst, NY. Several factors can impact your auto insurance premium, including:
- Your driving record and claims history
- Age, gender, and marital status
- Vehicle make, model, and year
- Your location in Amherst, NY
- Annual mileage and usage
- Credit history (in some cases)
- Coverage options and deductibles chosen
Keep these factors in mind to better understand and potentially lower your auto insurance premiums in Amherst.
How do I get competitive auto insurance quotes in Amherst?
To get competitive auto insurance quotes in Amherst, start by reaching out to local insurance agents or searching online for car insurance in Amherst. Comparing quotes from different providers, including those offering auto insurance in nearby areas like Niagara Falls and Williamsville, will ensure you find the best rates and coverage.
For more details, check out our comprehensive resource on “How to Compare Auto Insurance Quotes” for further guidance.
Are there any discounts available for auto insurance in Amherst, NY?
Yes, many insurance companies offer various discounts that can help reduce your auto insurance premium. Common discounts include:
- Multi-vehicle discount
- Good driver discount
- Safety features discount
- Bundling auto and home insurance
- Defensive driving course discount
- Good student discount (for young drivers with good grades)
Leverage these discounts to make your auto insurance more affordable. Check with your provider to see which savings you qualify for.
Can I choose higher coverage limits than the minimum requirements?
Yes, you can choose higher coverage limits for your auto insurance policy in Amherst, NY. While the minimum limits fulfill the legal requirements, opting for higher coverage can provide additional protection in case of severe accidents or property damage.
What are the minimum auto insurance requirements in Amherst, NY?
Exploring car insurance in Amherst, NY? Understand the essential minimum coverage requirements below.
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
Ensure you meet these minimum auto insurance standards in Amherst, NY, to drive legally and safely.
For more details, refer to our in-depth report titled “Bodily Injury Liability (BIL) Auto Insurance” for further clarity.
What should I do after an auto accident in Amherst, NY?
In the aftermath of an auto accident in Amherst, NY, take these essential steps to ensure safety and secure your claim. After an auto accident in Amherst, NY, you should:
- Ensure everyone’s safety and call for medical help if necessary.
- Exchange information with the other driver(s) involved, including insurance details.
- Document the accident scene with photos and gather witness information if possible.
- Notify your insurance company and provide them with the necessary details.
- Follow any instructions or procedures provided by your insurance company for claims processing.
After taking these steps, consult your insurance company promptly to initiate the claims process effectively.
What is auto insurance and why do I need it?
Auto insurance is a contract between you and an insurance company that provides financial protection in case of accidents or damage to your vehicle. It is mandatory in Amherst, NY, and helps cover medical expenses, repairs, and liability costs resulting from accidents.
To learn more, check out our detailed resource on “What are the benefits of auto insurance?” for valuable insights.
Can I add additional coverage to my auto insurance policy?
Yes, you can customize your auto insurance policy in Amherst, NY, by adding optional coverage such as:
- Collision Coverage: Helps cover repairs to your vehicle in case of an accident, regardless of fault.
- Comprehensive Coverage: Covers damages to your vehicle caused by non-accident incidents like theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Rental Car Coverage: Provides coverage for a rental vehicle while your car is being repaired after an accident.
Enhance your policy with these coverages to ensure you’re fully protected in any scenario.
See if you’re getting the best deal on car insurance by entering your ZIP code below.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.