Buy Cheap Hamilton, MI Auto Insurance (2021)

Hamilton, MI auto insurance rates average $776 a month. Minimum auto insurance requirements in Hamilton, Michigan are 20/40/10 to comply with Michigan laws. To buy cheap auto insurance in Hamilton, MI, 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, MI are $776/month
  • The most expensive auto insurance company in Hamilton after a DUI is Allstate
  • Average auto insurance rates in Hamilton, MI for teens drivers are $17,494/year

Finding affordable Hamilton, Michigan auto insurance can be challenging, but everything you need to know to buy cheap Hamilton, MI 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, MI car insurance rates compare to Livonia auto insurance rates, Troy auto insurance rates, and Sterling Heights auto insurance rates before you read more about the cost of auto insurance in Hamilton.

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

Hamilton, MI Minimum Auto Insurance Requirements

The required auto insurance in Hamilton, MI is 20/40/10 according to the auto insurance laws in Michigan. The minimum auto insurance in Hamilton, Michigan is outlined here.

Minimum Required Auto Insurance Coverage in Hamilton, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Hamilton, MI Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Hamilton, Michigan

Insurance Company Poor Fair Good
Allstate $35,105 $19,421 $14,802
Farmers $7,016 $4,623 $4,264
GEICO $7,154 $5,261 $4,282
Liberty Mutual $29,969 $17,310 $9,563
Nationwide $7,354 $5,572 $4,748
Progressive $5,342 $4,508 $4,070
State Farm $16,451 $8,338 $5,672
Travelers $6,813 $6,608 $6,525
USAA $5,326 $3,032 $2,319

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

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

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

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 $16,940 $16,940 $15,752 $15,752 $41,903 $41,903 $17,843 $17,843
Farmers $4,032 $4,032 $3,765 $3,765 $8,879 $8,879 $4,530 $4,530
GEICO $3,822 $3,822 $3,909 $3,909 $10,874 $10,874 $3,657 $3,657
Liberty Mutual $14,212 $14,212 $14,072 $14,072 $33,292 $33,292 $14,212 $14,212
Nationwide $4,147 $4,147 $3,680 $3,680 $11,181 $11,181 $4,558 $4,558
Progressive $2,731 $2,545 $2,419 $2,691 $9,970 $10,642 $3,174 $2,948
State Farm $6,152 $6,152 $5,696 $5,696 $21,540 $21,540 $7,228 $7,228
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,567 $2,446 $2,410 $2,284 $6,416 $6,151 $3,152 $3,047

Buy Cheap Hamilton, MI 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, MI are listed here.

Annual Auto Insurance Rates for Teen Drivers in Hamilton, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,903 $41,903
Farmers $8,879 $8,879
GEICO $10,874 $10,874
Liberty Mutual $33,292 $33,292
Nationwide $11,181 $11,181
Progressive $9,970 $10,642
State Farm $21,540 $21,540
Travelers $13,395 $13,395
USAA $6,416 $6,151

Buy Cheap Hamilton, MI Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hamilton, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,752 $15,752
Farmers $3,765 $3,765
GEICO $3,909 $3,909
Liberty Mutual $14,072 $14,072
Nationwide $3,680 $3,680
Progressive $2,419 $2,691
State Farm $5,696 $5,696
Travelers $3,858 $3,858
USAA $2,410 $2,284

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

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

Annual Auto Insurance Rates by Coverage Level in Hamilton, Michigan

Insurance Company Low Medium High
Allstate $22,462 $23,168 $23,699
Farmers $5,179 $5,291 $5,435
GEICO $5,217 $5,517 $5,962
Liberty Mutual $18,547 $18,909 $19,386
Nationwide $6,173 $5,789 $5,713
Progressive $4,518 $4,645 $4,757
State Farm $9,691 $10,211 $10,560
Travelers $6,575 $6,656 $6,715
USAA $3,459 $3,567 $3,651

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

Annual Auto Insurance Rates by Commute Length in Hamilton, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $23,110 $23,110
Farmers $5,301 $5,301
GEICO $5,440 $5,691
Liberty Mutual $18,299 $19,596
Nationwide $5,892 $5,892
Progressive $4,640 $4,640
State Farm $9,890 $10,418
Travelers $6,611 $6,686
USAA $3,519 $3,599

Find Cheap Hamilton, MI Auto Insurance Rates by Driving Record

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

Annual Hamilton, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,198 $14,985 $50,539 $15,716
Farmers $4,458 $5,672 $5,603 $5,473
GEICO $1,945 $4,144 $12,561 $3,612
Liberty Mutual $13,116 $15,937 $29,856 $16,880
Nationwide $5,052 $6,718 $6,115 $5,681
Progressive $3,948 $5,161 $4,639 $4,812
State Farm $6,447 $7,736 $16,761 $9,670
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,862 $3,570 $4,682 $3,122

Find Cheap Hamilton, MI Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Hamilton, Michigan 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, MI auto insurance companies.

Annual Auto Insurance Rates After a DUI in Hamilton, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $50,539
Farmers $5,603
GEICO $12,561
Liberty Mutual $29,856
Nationwide $6,115
Progressive $4,639
State Farm $16,761
Travelers $10,331
USAA $4,682

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

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

Best Annual Auto Insurance Rates by Company in Hamilton, Michigan

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

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Find Cheap Hamilton, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hamilton, Michigan

Insurance Company Average Annual Rates
Allstate $23,110
Farmers $5,301
GEICO $5,565
Liberty Mutual $18,947
Nationwide $5,892
Progressive $4,640
State Farm $10,154
Travelers $6,649
USAA $3,559

What affects Hamilton, Michigan auto insurance rates?

Local factors affect auto insurance rates in Hamilton, MI, 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, Michigan? Inrix data shows that Hamilton, MI traffic makes it the 263rd-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Hamilton, MI

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

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