Buy Cheap Hamilton, IA Auto Insurance (2021)

Hamilton, IA auto insurance rates average $242 a month. Minimum auto insurance requirements in Hamilton, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Hamilton, IA, 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 ...

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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

  • The most expensive auto insurance company in Hamilton is Travelers
  • Average auto insurance rates in Hamilton, IA for teens drivers are $5,481/year
  • The most expensive auto insurance company in Hamilton after a DUI is Travelers

Finding affordable Hamilton, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Hamilton, IA 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, IA car insurance rates compare to Davenport auto insurance rates, Ankeny auto insurance rates, and Ames auto insurance rates before you read more about the cost of auto insurance in Hamilton.

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

Hamilton, IA Minimum Auto Insurance Requirements

The required auto insurance in Hamilton, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Hamilton, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in Hamilton, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Hamilton, IA Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Hamilton, Iowa

Insurance Company Poor Fair Good
Allstate $3,311 $2,636 $2,368
American Family $3,829 $2,814 $2,365
Farmers $2,783 $2,302 $2,180
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,000 $3,711 $2,921
Nationwide $2,755 $2,151 $1,891
Progressive $2,916 $2,340 $2,112
State Farm $3,157 $1,953 $1,541
Travelers $6,133 $5,237 $4,992
USAA $2,456 $1,684 $1,458

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

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

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

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 $1,862 $1,796 $1,647 $1,678 $5,208 $5,838 $2,040 $2,103
American Family $1,939 $1,939 $1,734 $1,734 $5,158 $7,244 $1,939 $2,337
Farmers $1,506 $1,534 $1,351 $1,474 $4,505 $4,797 $2,033 $2,173
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,011 $2,181 $1,770 $2,150 $9,780 $11,006 $2,278 $2,511
Nationwide $1,595 $1,641 $1,421 $1,521 $3,565 $4,631 $1,795 $1,956
Progressive $1,763 $1,707 $1,453 $1,505 $4,136 $4,678 $2,120 $2,285
State Farm $1,447 $1,447 $1,269 $1,269 $3,891 $4,937 $1,626 $1,851
Travelers $2,445 $2,498 $2,365 $2,379 $10,893 $17,513 $2,538 $3,001
USAA $1,253 $1,270 $1,147 $1,174 $3,349 $3,563 $1,506 $1,665

Buy Cheap Hamilton, IA 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, IA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Hamilton, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,208 $5,838
American Family $5,158 $7,244
Farmers $4,505 $4,797
GEICO $4,328 $4,022
Liberty Mutual $9,780 $11,006
Nationwide $3,565 $4,631
Progressive $4,136 $4,678
State Farm $3,891 $4,937
Travelers $10,893 $17,513
USAA $3,349 $3,563

Buy Cheap Hamilton, IA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hamilton, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,647 $1,678
American Family $1,734 $1,734
Farmers $1,351 $1,474
GEICO $1,710 $1,564
Liberty Mutual $1,770 $2,150
Nationwide $1,421 $1,521
Progressive $1,453 $1,505
State Farm $1,269 $1,269
Travelers $2,365 $2,379
USAA $1,147 $1,174

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

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

Annual Auto Insurance Rates by Coverage Level in Hamilton, Iowa

Insurance Company Low Medium High
Allstate $2,678 $2,775 $2,862
American Family $3,020 $3,170 $2,819
Farmers $2,314 $2,429 $2,522
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,040 $4,204 $4,389
Nationwide $2,358 $2,253 $2,185
Progressive $2,318 $2,463 $2,587
State Farm $2,111 $2,229 $2,311
Travelers $5,089 $5,539 $5,733
USAA $1,772 $1,872 $1,954

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Find Cheap Hamilton, IA 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, IA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Hamilton, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,706 $2,837
American Family $2,968 $3,038
Farmers $2,422 $2,422
GEICO $2,294 $2,387
Liberty Mutual $4,211 $4,211
Nationwide $2,266 $2,266
Progressive $2,456 $2,456
State Farm $2,164 $2,270
Travelers $5,454 $5,454
USAA $1,798 $1,934

Find Cheap Hamilton, IA Auto Insurance Rates by Driving Record

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

Annual Hamilton, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,371 $2,855 $3,222 $2,638
American Family $2,168 $3,176 $4,120 $2,549
Farmers $2,061 $2,560 $2,601 $2,465
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,637 $4,500 $4,587 $4,119
Nationwide $1,636 $2,356 $3,218 $1,853
Progressive $1,980 $3,217 $2,147 $2,480
State Farm $2,054 $2,380 $2,217 $2,217
Travelers $3,988 $5,299 $7,090 $5,438
USAA $1,427 $1,912 $2,487 $1,638

Find Cheap Hamilton, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Hamilton, Iowa 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, IA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Hamilton, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,222
American Family $4,120
Farmers $2,601
GEICO $3,206
Liberty Mutual $4,587
Nationwide $3,218
Progressive $2,147
State Farm $2,217
Travelers $7,090
USAA $2,487

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

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

Best Annual Auto Insurance Rates by Company in Hamilton, Iowa

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

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Find Cheap Hamilton, Iowa Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hamilton, Iowa

Insurance Company Average Annual Rates
Allstate $2,772
American Family $3,003
Farmers $2,422
GEICO $2,341
Liberty Mutual $4,211
Nationwide $2,266
Progressive $2,456
State Farm $2,217
Travelers $5,454
USAA $1,866

What affects Hamilton, Iowa auto insurance rates?

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

Commute Times in Hamilton

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Hamilton, IA is 32.9 minutes according to City-Data.

Traffic in Hamilton

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

Compare Auto Insurance Quotes in Hamilton, IA

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

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