Buy Cheap Hamilton, IL Auto Insurance (2021)

Hamilton, IL auto insurance rates average $249 a month. Minimum auto insurance requirements in Hamilton, Illinois are 25/50/20 to comply with Illinois laws. To buy cheap auto insurance in Hamilton, IL, 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

  • The most expensive auto insurance company in Hamilton after a DUI is American Family
  • Average auto insurance rates in Hamilton, IL for teens drivers are $5,585/year
  • Average auto insurance rates in Hamilton, IL are $249/month

Finding affordable Hamilton, Illinois auto insurance can be challenging, but everything you need to know to buy cheap Hamilton, IL 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, IL car insurance rates compare to Elgin auto insurance rates, Chicago auto insurance rates, and Aurora auto insurance rates before you read more about the cost of auto insurance in Hamilton.

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

Hamilton, IL Minimum Auto Insurance Requirements

The required auto insurance in Hamilton, IL is 25/50/20 according to the auto insurance laws in Illinois. The minimum auto insurance in Hamilton, Illinois is outlined here.

Minimum Required Auto Insurance Coverage in Hamilton, Illinois

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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Find Cheap Hamilton, IL Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Hamilton, Illinois

Insurance Company Poor Fair Good
Allstate $5,687 $4,088 $3,574
American Family $5,016 $3,389 $2,858
Farmers $4,800 $4,004 $3,812
GEICO $4,119 $2,014 $1,571
Liberty Mutual $2,893 $1,805 $1,442
Nationwide $3,164 $2,550 $2,235
Progressive $3,582 $3,015 $2,773
State Farm $2,978 $1,783 $1,383
Travelers $2,748 $2,196 $1,790
USAA $3,661 $2,516 $2,074

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

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

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

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 $2,849 $2,862 $2,970 $2,970 $7,307 $9,512 $3,425 $3,701
American Family $2,367 $2,367 $2,158 $2,158 $6,493 $9,079 $2,367 $3,045
Farmers $2,341 $2,345 $2,087 $2,196 $9,413 $9,802 $2,662 $2,797
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,293 $1,396 $1,077 $1,202 $4,080 $4,537 $1,354 $1,433
Nationwide $1,706 $1,740 $1,517 $1,611 $4,593 $5,910 $1,976 $2,143
Progressive $1,913 $1,844 $1,576 $1,633 $6,230 $7,020 $2,294 $2,478
State Farm $1,344 $1,344 $1,181 $1,181 $3,559 $4,541 $1,512 $1,721
Travelers $1,460 $1,541 $1,317 $1,405 $4,035 $5,017 $1,551 $1,634
USAA $1,640 $1,670 $1,527 $1,507 $5,289 $5,831 $2,160 $2,377

Buy Cheap Hamilton, IL 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, IL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Hamilton, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,307 $9,512
American Family $6,493 $9,079
Farmers $9,413 $9,802
GEICO $4,847 $5,129
Liberty Mutual $4,080 $4,537
Nationwide $4,593 $5,910
Progressive $6,230 $7,020
State Farm $3,559 $4,541
Travelers $4,035 $5,017
USAA $5,289 $5,831

Buy Cheap Hamilton, IL Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hamilton, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,970 $2,970
American Family $2,158 $2,158
Farmers $2,087 $2,196
GEICO $1,521 $1,797
Liberty Mutual $1,077 $1,202
Nationwide $1,517 $1,611
Progressive $1,576 $1,633
State Farm $1,181 $1,181
Travelers $1,317 $1,405
USAA $1,527 $1,507

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

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

Annual Auto Insurance Rates by Coverage Level in Hamilton, Illinois

Insurance Company Low Medium High
Allstate $4,316 $4,445 $4,588
American Family $3,654 $3,890 $3,718
Farmers $4,025 $4,120 $4,470
GEICO $2,377 $2,564 $2,762
Liberty Mutual $1,940 $2,042 $2,158
Nationwide $2,654 $2,667 $2,629
Progressive $2,931 $3,116 $3,324
State Farm $1,955 $2,051 $2,138
Travelers $2,116 $2,243 $2,377
USAA $2,561 $2,747 $2,942

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

Annual Auto Insurance Rates by Commute Length in Hamilton, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,450 $4,450
American Family $3,705 $3,803
Farmers $4,205 $4,205
GEICO $2,519 $2,617
Liberty Mutual $2,047 $2,047
Nationwide $2,650 $2,650
Progressive $3,123 $3,123
State Farm $1,997 $2,099
Travelers $2,158 $2,332
USAA $2,673 $2,827

Find Cheap Hamilton, IL Auto Insurance Rates by Driving Record

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

Annual Hamilton, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,211 $5,392 $5,008 $4,187
American Family $2,759 $3,921 $5,207 $3,132
Farmers $3,562 $4,565 $4,452 $4,244
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,712 $2,409 $2,127 $1,938
Nationwide $2,134 $2,763 $3,250 $2,452
Progressive $2,593 $3,765 $2,860 $3,276
State Farm $1,891 $2,205 $2,048 $2,048
Travelers $1,794 $2,339 $2,603 $2,245
USAA $1,960 $2,818 $3,858 $2,364

Find Cheap Hamilton, IL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Hamilton, Illinois 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, IL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Hamilton, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,008
American Family $5,207
Farmers $4,452
GEICO $3,482
Liberty Mutual $2,127
Nationwide $3,250
Progressive $2,860
State Farm $2,048
Travelers $2,603
USAA $3,858

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

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

Best Annual Auto Insurance Rates by Company in Hamilton, Illinois

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

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Find Cheap Hamilton, Illinois Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hamilton, Illinois

Insurance Company Average Annual Rates
Allstate $4,450
American Family $3,754
Farmers $4,205
GEICO $2,568
Liberty Mutual $2,047
Nationwide $2,650
Progressive $3,123
State Farm $2,048
Travelers $2,245
USAA $2,750

What affects Hamilton, Illinois auto insurance rates?

Local factors affect auto insurance rates in Hamilton, IL, 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, IL is 19.3 minutes according to City-Data.

Traffic in Hamilton

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

Compare Auto Insurance Quotes in Hamilton, IL

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

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