Buy Cheap Hamilton, CO Auto Insurance (2021)

Hamilton, CO auto insurance rates average $319 a month. Minimum auto insurance requirements in Hamilton, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Hamilton, CO, compare Hamilton auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Hamilton, CO for teens drivers are $7,397/year
  • Average auto insurance rates in Hamilton, CO after a DUI are $4,553/year
  • The most expensive auto insurance company in Hamilton after a DUI is Allstate

Finding affordable Hamilton, Colorado auto insurance can be challenging, but everything you need to know to buy cheap Hamilton, CO auto insurance with confidence is right here. Auto insurance rates in Hamilton are affected by local factors as well as personal ones like your driving record.

See how Hamilton, CO car insurance rates compare to Pueblo auto insurance rates, Fort Collins auto insurance rates, and Greeley auto insurance rates before you read more about the cost of auto insurance in Hamilton.

Don’t buy Hamilton, CO auto insurance until you’ve compared rates. Get free Hamilton, Colorado auto insurance quotes when you enter your ZIP code above.

Hamilton, CO Minimum Auto Insurance Requirements

The required auto insurance in Hamilton, CO is 25/50/15 according to the auto insurance laws in Colorado. The minimum auto insurance in Hamilton, Colorado is outlined here.

Minimum Required Auto Insurance Coverage in Hamilton, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Hamilton, CO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Hamilton, CO. Take a look at Hamilton, Colorado auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Hamilton, Colorado

Insurance Company Poor Fair Good
Allstate $7,775 $5,991 $4,520
American Family $4,787 $3,396 $2,842
Farmers $5,802 $4,718 $4,484
GEICO $3,152 $2,625 $2,099
Liberty Mutual $4,044 $2,454 $1,958
Nationwide $3,849 $3,043 $2,656
Progressive $5,038 $4,291 $3,939
State Farm $4,331 $2,780 $2,239
USAA $5,236 $2,963 $2,367

Buy Cheap Hamilton, CO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Hamilton, Colorado auto insurance rates? Find out how car insurance rates in Hamilton, CO are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hamilton, Colorado

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 $3,710 $3,464 $3,322 $3,360 $13,006 $13,663 $4,103 $4,138
American Family $2,508 $2,508 $2,263 $2,263 $6,096 $8,166 $2,508 $3,089
Farmers $2,948 $2,921 $2,670 $2,864 $10,965 $11,064 $3,259 $3,320
GEICO $1,667 $1,820 $1,727 $1,930 $5,193 $5,544 $1,535 $1,584
Liberty Mutual $1,905 $1,891 $1,594 $1,748 $5,483 $6,001 $1,936 $1,994
Nationwide $2,136 $2,180 $1,910 $2,023 $5,311 $6,809 $2,446 $2,645
Progressive $2,724 $2,548 $2,329 $2,329 $9,117 $10,228 $3,091 $3,017
State Farm $1,978 $1,978 $1,763 $1,763 $5,566 $7,054 $2,209 $2,625
USAA $2,365 $2,377 $2,237 $2,259 $5,838 $6,706 $3,052 $3,342

Buy Cheap Hamilton, CO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Hamilton can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Hamilton, CO are listed here.

Annual Auto Insurance Rates for Teen Drivers in Hamilton, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,006 $13,663
American Family $6,096 $8,166
Farmers $10,965 $11,064
GEICO $5,193 $5,544
Liberty Mutual $5,483 $6,001
Nationwide $5,311 $6,809
Progressive $9,117 $10,228
State Farm $5,566 $7,054
USAA $5,838 $6,706

Buy Cheap Hamilton, CO Auto Insurance for Seniors

You can save on senior auto insurance rates in Hamilton, Colorado by comparing Hamilton senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Hamilton, CO here.

Annual Auto Insurance Rates for Senior Drivers in Hamilton, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,322 $3,360
American Family $2,263 $2,263
Farmers $2,670 $2,864
GEICO $1,727 $1,930
Liberty Mutual $1,594 $1,748
Nationwide $1,910 $2,023
Progressive $2,329 $2,329
State Farm $1,763 $1,763
USAA $2,237 $2,259

Find Cheap Auto Insurance Rates in Hamilton, CO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Hamilton, Colorado auto insurance. Compare Hamilton, CO auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Hamilton, Colorado

Insurance Company Low Medium High
Allstate $5,816 $6,078 $6,392
American Family $3,521 $3,751 $3,754
Farmers $4,466 $4,941 $5,597
GEICO $2,439 $2,594 $2,843
Liberty Mutual $2,694 $2,811 $2,951
Nationwide $3,211 $3,180 $3,156
Progressive $4,171 $4,433 $4,665
State Farm $2,944 $3,117 $3,290
USAA $3,387 $3,522 $3,658

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Find Cheap Hamilton, CO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Hamilton. Compare auto insurance rates in Hamilton, CO by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Hamilton, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,096 $6,096
American Family $3,597 $3,754
Farmers $5,001 $5,001
GEICO $2,571 $2,680
Liberty Mutual $2,819 $2,819
Nationwide $3,183 $3,183
Progressive $4,423 $4,423
State Farm $3,042 $3,191
USAA $3,421 $3,623

Find Cheap Hamilton, CO Auto Insurance Rates by Driving Record

Auto insurance rates in Hamilton, Colorado are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Hamilton, CO, take a look at the average cost for various violations versus rates for a clean driving record in Hamilton.

Annual Hamilton, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,181 $5,968 $7,345 $5,888
American Family $2,716 $3,857 $5,047 $3,081
Farmers $4,223 $5,421 $5,348 $5,013
GEICO $1,867 $2,870 $3,323 $2,441
Liberty Mutual $2,461 $2,883 $3,015 $2,916
Nationwide $2,447 $3,344 $4,245 $2,694
Progressive $3,841 $5,305 $4,056 $4,490
State Farm $2,877 $3,356 $3,117 $3,117
USAA $2,573 $3,128 $5,481 $2,905

Find Cheap Hamilton, CO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Hamilton, Colorado is higher than for a clean driving record. You can buy auto insurance after a DUI in Hamilton for less when you shop around and compare rates from multiple Hamilton, CO auto insurance companies.

Annual Auto Insurance Rates After a DUI in Hamilton, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,345
American Family $5,047
Farmers $5,348
GEICO $3,323
Liberty Mutual $3,015
Nationwide $4,245
Progressive $4,056
State Farm $3,117
USAA $5,481

Winners by Category: Where to Buy Cheap Auto Insurance in Hamilton, CO

Compare rates from the cheapest auto insurance companies in Hamilton, CO for your needs. Take a look at how Hamilton, Colorado auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Hamilton, Colorado

Category Insurance Company
Teenagers GEICO
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

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Find Cheap Hamilton, Colorado Auto Insurance Companies

If you’re looking for the cheapest Hamilton, CO auto insurance companies overall, you can compare them here. Find the best price for Hamilton, Colorado car insurance by company.

Average Annual Auto Insurance Rates by Company in Hamilton, Colorado

Insurance Company Average Annual Rates
Allstate $6,096
American Family $3,675
Farmers $5,001
GEICO $2,625
Liberty Mutual $2,819
Nationwide $3,183
Progressive $4,423
State Farm $3,117
USAA $3,522

What affects Hamilton, Colorado auto insurance rates?

Local factors affect auto insurance rates in Hamilton, CO, including traffic, theft statistics, and commute length. Take a look at the things that impact Hamilton auto insurance rates.

Traffic in Hamilton

How is traffic in Hamilton, Colorado? Inrix data shows that Hamilton, CO traffic makes it the 263rd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Hamilton, CO

You can buy cheap Hamilton, CO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Hamilton, Colorado auto insurance quotes from top companies.

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