Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Amherst for teen drivers is Nationwide
  • The cheapest car insurance company in Amherst after a DUI is State Farm
  • Average car insurance rates in Amherst, VA for senior drivers are $1,265/year

Average car insurance rates in Amherst, Virginia are $182 a month. But with a little research you can get a great deal from the top car insurance companies in Amherst, VA. Before you buy Amherst, Virginia car insurance, make sure your coverage meets or exceeds the Virginia minimum of 25/50/20.

It may even be helpful to compare Amherst car insurance rates with Hampton car insurance rates, Portsmouth car insurance rates, or Richmond car insurance rates to make sure you’re getting the best Amherst, VA car insurance quotes available.

Need affordable Amherst, VA car insurance? Enter your ZIP code to compare Amherst car insurance quotes from multiple car insurance companies near you.

Amherst, VA Minimum Car Insurance Coverage

Amherst, Virginia law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Amherst, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Amherst, VA Car Insurance Rates by Coverage Level

Some Amherst drivers can get by with the Virginia minimum coverage of 25/50/20. Other drivers may need more. See how much your Amherst, Virginia car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Amherst, Virginia

Insurance Company Low Medium High
Allstate $3,082 $3,168 $3,250
GEICO $1,882 $1,947 $2,018
Nationwide $1,857 $1,761 $1,714
Progressive $2,293 $2,370 $2,529
State Farm $1,981 $2,092 $2,214
USAA $1,643 $1,709 $1,765

Amherst, VA Car Insurance Rates by Age, Gender, and Marital Status

Amherst, Virginia car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Amherst, VA car insurance, get quotes from multiple car insurance companies in the Amherst area and see how these criteria affect your rates.

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

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 $1,913 $1,809 $1,904 $1,904 $5,947 $6,861 $2,492 $2,502
GEICO $1,404 $1,406 $1,331 $1,331 $2,929 $3,936 $1,632 $1,621
Nationwide $1,242 $1,249 $1,107 $1,136 $2,905 $3,732 $1,365 $1,483
Progressive $1,220 $1,165 $1,099 $1,105 $5,461 $6,138 $1,478 $1,513
State Farm $1,311 $1,311 $1,173 $1,173 $3,819 $4,805 $1,479 $1,697
USAA $1,024 $1,008 $957 $962 $3,164 $3,769 $1,316 $1,445

Amherst, VA Car Insurance Rates for Teens

How much is Amherst, Virginia car insurance for teens? Compare rates from top Amherst car insurance companies below to help find the cheapest teen car insurance in Amherst, VA.

Annual Car Insurance Rates for Teen Drivers in Amherst, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,947 $6,861
GEICO $2,929 $3,936
Nationwide $2,905 $3,732
Progressive $5,461 $6,138
State Farm $3,819 $4,805
USAA $3,164 $3,769

Amherst, VA Car Insurance Rates for Seniors

Before seniors buy Amherst, Virginia car insurance, they should make sure to shop around. Some Amherst, VA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Amherst, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,904 $1,904
GEICO $1,331 $1,331
Nationwide $1,107 $1,136
Progressive $1,099 $1,105
State Farm $1,173 $1,173
USAA $957 $962

Amherst, VA Car Insurance Rates by Credit History

How does your credit history affect Amherst, VA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Amherst, Virginia

Insurance Company Poor Fair Good
Allstate $3,863 $3,089 $2,548
GEICO $2,165 $1,841 $1,841
Nationwide $2,100 $1,692 $1,539
Progressive $2,681 $2,334 $2,177
State Farm $2,980 $1,848 $1,460
USAA $2,281 $1,554 $1,282

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Amherst, VA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Amherst, Virginia car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Amherst.

Annual Amherst, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,384 $3,763 $3,460 $3,058
GEICO $1,476 $1,921 $2,922 $1,476
Nationwide $1,551 $1,551 $2,253 $1,754
Progressive $2,056 $2,704 $2,440 $2,389
State Farm $1,922 $2,270 $2,096 $2,096
USAA $1,322 $1,714 $2,266 $1,520

Amherst, VA Car Insurance Rates With a DUI

Even a single DUI can increase your Amherst, VA car insurance rates. Compare rates below to see which Amherst car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Amherst, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,460
GEICO $2,922
Nationwide $2,253
Progressive $2,440
State Farm $2,096
USAA $2,266

Amherst, VA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Amherst, VA car insurance rates may be. Let’s take a look at average car insurance rates from top Amherst companies based on commute time.

Annual Car Insurance Rates by Commute Length in Amherst, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,072 $3,261
GEICO $1,912 $1,985
Nationwide $1,777 $1,777
Progressive $2,397 $2,397
State Farm $2,045 $2,147
USAA $1,643 $1,768

Amherst, VA Cheapest Car Insurance Rates

How do the top Amherst, Virginia car insurance companies’ average rates stack up against the Amherst average monthly car insurance rates of $182? Take a look and see.

Best Annual Car Insurance Rates by Company in Amherst, Virginia

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Amherst, VA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Amherst, Virginia car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Amherst, Virginia

Insurance Company Average Annual Rates
Allstate $3,167
GEICO $1,949
Nationwide $1,777
Progressive $2,397
State Farm $2,096
USAA $1,706

Other Factors Affecting Amherst, VA Car Insurance Rates

Before you buy Amherst, Virginia car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Amherst, VA Commute Time

How does your Amherst, VA commute time compare with the average driver? In Amherst, the average commute is 21.3 minutes.

Amherst, VA Car Insurance Quotes

Compare Amherst, VA car insurance quotes from multiple companies by entering your ZIP code now.