Buy Cheap Hamilton, OH Auto Insurance (2021)

Hamilton, OH auto insurance rates average $257 a month. Minimum auto insurance requirements in Hamilton, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Hamilton, OH, 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 Liberty Mutual
  • The most expensive auto insurance company in Hamilton is Liberty Mutual
  • Average auto insurance rates in Hamilton, OH after a DUI are $3,570/year

Finding affordable Hamilton, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Hamilton, OH 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, OH car insurance rates compare to Toledo auto insurance rates, Parma auto insurance rates, and Akron auto insurance rates before you read more about the cost of auto insurance in Hamilton.

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

Hamilton, OH Minimum Auto Insurance Requirements

The required auto insurance in Hamilton, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Hamilton, Ohio is outlined here.

Minimum Required Auto Insurance Coverage in Hamilton, Ohio

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

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Find Cheap Hamilton, OH Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Hamilton, Ohio

Insurance Company Poor Fair Good
Allstate $4,309 $3,144 $2,618
American Family $2,320 $1,578 $1,336
Farmers $4,181 $3,542 $3,371
GEICO $2,424 $2,020 $1,615
Liberty Mutual $6,989 $4,293 $3,363
Nationwide $4,420 $3,555 $2,998
Progressive $4,586 $3,991 $3,740
State Farm $4,027 $2,488 $1,960
Travelers $3,361 $2,929 $2,738
USAA $2,014 $1,431 $1,221

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

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

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

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 $2,216 $2,198 $2,006 $2,143 $6,302 $7,219 $2,312 $2,459
American Family $1,040 $1,079 $966 $967 $3,476 $3,767 $1,296 $1,367
Farmers $1,930 $1,923 $1,698 $1,795 $8,736 $9,075 $2,168 $2,261
GEICO $1,442 $1,403 $1,367 $1,394 $3,944 $3,661 $1,602 $1,344
Liberty Mutual $2,250 $2,454 $1,728 $2,103 $11,993 $13,533 $2,388 $2,605
Nationwide $2,415 $2,424 $2,181 $2,192 $6,323 $8,134 $2,586 $3,006
Progressive $2,071 $1,934 $1,731 $1,788 $9,551 $10,737 $2,473 $2,561
State Farm $1,655 $1,655 $1,495 $1,495 $5,392 $6,757 $1,930 $2,220
Travelers $1,373 $1,393 $1,371 $1,363 $6,012 $9,506 $1,435 $1,625
USAA $927 $933 $890 $882 $2,957 $3,281 $1,240 $1,333

Buy Cheap Hamilton, OH 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, OH are listed here.

Annual Auto Insurance Rates for Teen Drivers in Hamilton, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,302 $7,219
American Family $3,476 $3,767
Farmers $8,736 $9,075
GEICO $3,944 $3,661
Liberty Mutual $11,993 $13,533
Nationwide $6,323 $8,134
Progressive $9,551 $10,737
State Farm $5,392 $6,757
Travelers $6,012 $9,506
USAA $2,957 $3,281

Buy Cheap Hamilton, OH Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hamilton, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,006 $2,143
American Family $966 $967
Farmers $1,698 $1,795
GEICO $1,367 $1,394
Liberty Mutual $1,728 $2,103
Nationwide $2,181 $2,192
Progressive $1,731 $1,788
State Farm $1,495 $1,495
Travelers $1,371 $1,363
USAA $890 $882

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

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

Annual Auto Insurance Rates by Coverage Level in Hamilton, Ohio

Insurance Company Low Medium High
Allstate $3,246 $3,350 $3,475
American Family $1,708 $1,758 $1,768
Farmers $3,498 $3,640 $3,957
GEICO $1,948 $2,010 $2,101
Liberty Mutual $4,701 $4,907 $5,037
Nationwide $4,044 $3,545 $3,384
Progressive $3,939 $4,069 $4,309
State Farm $2,674 $2,835 $2,966
Travelers $2,923 $3,050 $3,056
USAA $1,482 $1,554 $1,630

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

Annual Auto Insurance Rates by Commute Length in Hamilton, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,357 $3,357
American Family $1,723 $1,766
Farmers $3,698 $3,698
GEICO $1,986 $2,054
Liberty Mutual $4,882 $4,882
Nationwide $3,658 $3,658
Progressive $4,106 $4,106
State Farm $2,754 $2,896
Travelers $3,009 $3,009
USAA $1,497 $1,614

Find Cheap Hamilton, OH Auto Insurance Rates by ZIP Code

Auto insurance rates in Hamilton, Ohio can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Hamilton, OH to see how much where you live in Hamilton affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Hamilton, Ohio

ZIP Code Average Annual Rates
45011 $2,918
45013 $2,964
45015 $2,984

Find Cheap Hamilton, OH Auto Insurance Rates by Driving Record

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

Annual Hamilton, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,805 $3,406 $4,028 $3,189
American Family $1,670 $1,770 $1,770 $1,770
Farmers $3,044 $3,929 $3,832 $3,987
GEICO $1,361 $1,977 $2,897 $1,844
Liberty Mutual $4,098 $5,268 $5,376 $4,785
Nationwide $2,933 $3,728 $4,728 $3,242
Progressive $3,532 $4,836 $3,767 $4,288
State Farm $2,561 $3,089 $2,825 $2,825
Travelers $2,212 $2,889 $4,362 $2,574
USAA $1,189 $1,602 $2,112 $1,318

Find Cheap Hamilton, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Hamilton, Ohio 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, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Hamilton, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,028
American Family $1,770
Farmers $3,832
GEICO $2,897
Liberty Mutual $5,376
Nationwide $4,728
Progressive $3,767
State Farm $2,825
Travelers $4,362
USAA $2,112

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

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

Best Annual Auto Insurance Rates by Company in Hamilton, Ohio

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

Find Cheap Hamilton, Ohio Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hamilton, Ohio

Insurance Company Average Annual Rates
Allstate $3,357
American Family $1,745
Farmers $3,698
GEICO $2,020
Liberty Mutual $4,882
Nationwide $3,658
Progressive $4,106
State Farm $2,825
Travelers $3,009
USAA $1,555

What affects Hamilton, Ohio auto insurance rates?

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

Auto Theft in Hamilton

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Hamilton, OH auto theft show a total of 191 vehicle thefts annually.

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, OH is 25.9 minutes according to City-Data.

Traffic in Hamilton

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

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Compare Auto Insurance Quotes in Hamilton, OH

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

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