Compare Hamilton, CO Car Insurance Rates (2021)

Car insurance in Hamilton, CO averages $319 a month. Hamilton, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Hamilton car insurance rates, compare quotes from the top car insurance companies in Hamilton, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Hamilton for teen drivers is GEICO
  • Average car insurance rates in Hamilton, CO are $3,829/year
  • The cheapest car insurance company in Hamilton is GEICO

If you need to buy Hamilton, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Hamilton, CO is right here.

You’ll find Hamilton car insurance rates, the cheapest Hamilton, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Hamilton, Colorado car insurance rates to Colorado Springs car insurance rates, Pueblo car insurance rates, and Denver car insurance rates.

Ready to find affordable Hamilton, CO car insurance today? Enter your ZIP code for fast, free Hamilton car insurance quotes.

Cheapest Hamilton, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Hamilton, CO car insurance rates? Every Hamilton, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Hamilton, CO

Every driver must carry the minimum car insurance in Hamilton, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car 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

Cheapest Hamilton, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Hamilton, CO. Compare credit history car insurance rates in Hamilton from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Hamilton, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Hamilton, CO to rates for a clean record with top companies.

Annual Hamilton, Colorado Car 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

Cheapest Hamilton, CO Car Insurance for Teen Drivers

Teen car insurance in Hamilton, CO can be expensive. Take a look at rates from the top car insurance companies in Hamilton for teenagers.

Annual Car 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

Cheapest Hamilton, CO Car Insurance for Seniors

Take a look at Hamilton, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Hamilton, CO Car Insurance Rates After a DUI

A DUI in Hamilton, CO increases car insurance rates. Compare Hamilton, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Hamilton, Colorado

Insurance Company Annual Car 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

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Cheapest Hamilton, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Hamilton, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

The Best Cheap Car Insurance Companies in Hamilton, CO

Take a look at a side-by-side comparison of the top car insurance companies in Hamilton, CO to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Hamilton, Colorado

Find the cheapest car insurance companies in Hamilton, CO for each category right here.

Best Annual Car 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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Cheapest Hamilton, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Hamilton car insurance rates. Find the cheapest Hamilton, CO car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Hamilton, Colorado?

What factors can have an impact on Hamilton, CO car insurance? There are several reasons why Hamilton car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Hamilton, Colorado.

Traffic in Hamilton

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Hamilton, CO traffic data from INRIX ranks Hamilton as the 263rd-most congested in the world.

Compare Car Insurance Quotes in Hamilton, CO

Ready to find affordable Hamilton, Colorado car insurance today? Enter your ZIP code for fast, free Hamilton, CO car insurance quotes.

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