Compare Hamilton, IN Car Insurance Rates (2021)

Car insurance in Hamilton, IN averages $265 a month. Hamilton, Indiana car insurance requirements are 25/50/25, 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, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 USAA
  • Average car insurance rates in Hamilton, IN after a DUI are $3,774/year
  • Average car insurance rates in Hamilton, IN are $3,185/year

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

You’ll find Hamilton car insurance rates, the cheapest Hamilton, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Hamilton, Indiana car insurance rates to Gary car insurance rates, Evansville car insurance rates, and Fishers car insurance rates.

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

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

How do age, gender, and marital status affect Hamilton, IN car insurance rates? Every Hamilton, Indiana 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, Indiana

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 $2,512 $2,578 $2,198 $2,404 $7,631 $9,593 $2,564 $2,792
American Family $2,195 $2,195 $1,970 $1,970 $5,962 $8,663 $2,195 $2,713
Farmers $1,522 $1,501 $1,304 $1,463 $8,102 $8,629 $1,997 $2,160
GEICO $1,461 $1,452 $1,360 $1,403 $4,269 $3,981 $1,670 $1,481
Liberty Mutual $3,820 $3,820 $3,505 $3,505 $8,444 $12,786 $3,820 $5,262
Nationwide $1,590 $1,629 $1,393 $1,490 $4,574 $5,953 $1,858 $2,035
Progressive $1,542 $1,464 $1,395 $1,405 $8,945 $10,074 $1,932 $1,979
State Farm $1,309 $1,309 $1,156 $1,156 $3,812 $4,901 $1,442 $1,602
Travelers $1,215 $1,237 $1,136 $1,136 $7,363 $11,589 $1,283 $1,496
USAA $1,084 $1,070 $1,005 $1,018 $2,967 $3,326 $1,468 $1,578

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Minimum Car Insurance in Hamilton, IN

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

Minimum Required Car Insurance Coverage in Hamilton, Indiana

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

Cheapest Hamilton, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Hamilton, IN. 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, Indiana

Insurance Company Poor Fair Good
Allstate $5,007 $3,719 $3,376
American Family $4,759 $3,096 $2,593
Farmers $3,895 $3,172 $2,938
GEICO $2,567 $2,135 $1,702
Liberty Mutual $7,484 $4,871 $4,505
Nationwide $2,921 $2,469 $2,305
Progressive $3,968 $3,506 $3,302
State Farm $3,038 $1,813 $1,406
Travelers $3,686 $3,119 $3,116
USAA $2,275 $1,504 $1,290

Cheapest Hamilton, IN 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, IN to rates for a clean record with top companies.

Annual Hamilton, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,221 $4,723 $4,358 $3,833
American Family $2,399 $3,832 $4,841 $2,858
Farmers $2,985 $3,477 $3,582 $3,296
GEICO $1,407 $2,204 $2,974 $1,954
Liberty Mutual $4,435 $5,191 $7,987 $4,868
Nationwide $2,206 $2,844 $2,727 $2,485
Progressive $2,701 $4,699 $3,220 $3,749
State Farm $2,039 $2,225 $2,039 $2,039
Travelers $2,807 $3,473 $3,936 $3,012
USAA $1,279 $1,817 $2,080 $1,583

Cheapest Hamilton, IN Car Insurance for Teen Drivers

Teen car insurance in Hamilton, IN 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, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,631 $9,593
American Family $5,962 $8,663
Farmers $8,102 $8,629
GEICO $4,269 $3,981
Liberty Mutual $8,444 $12,786
Nationwide $4,574 $5,953
Progressive $8,945 $10,074
State Farm $3,812 $4,901
Travelers $7,363 $11,589
USAA $2,967 $3,326

Cheapest Hamilton, IN Car Insurance for Seniors

Take a look at Hamilton, IN 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, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,198 $2,404
American Family $1,970 $1,970
Farmers $1,304 $1,463
GEICO $1,360 $1,403
Liberty Mutual $3,505 $3,505
Nationwide $1,393 $1,490
Progressive $1,395 $1,405
State Farm $1,156 $1,156
Travelers $1,136 $1,136
USAA $1,005 $1,018

Cheapest Hamilton, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hamilton, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,358
American Family $4,841
Farmers $3,582
GEICO $2,974
Liberty Mutual $7,987
Nationwide $2,727
Progressive $3,220
State Farm $2,039
Travelers $3,936
USAA $2,080

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Cheapest Hamilton, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hamilton, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,034 $4,034
American Family $3,441 $3,525
Farmers $3,335 $3,335
GEICO $2,096 $2,173
Liberty Mutual $5,469 $5,771
Nationwide $2,565 $2,565
Progressive $3,592 $3,592
State Farm $2,026 $2,145
Travelers $3,307 $3,307
USAA $1,667 $1,712

The Best Cheap Car Insurance Companies in Hamilton, IN

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

Average Annual Car Insurance Rates by Company in Hamilton, Indiana

Insurance Company Average Annual Rates
Allstate $4,034
American Family $3,483
Farmers $3,335
GEICO $2,135
Liberty Mutual $5,620
Nationwide $2,565
Progressive $3,592
State Farm $2,086
Travelers $3,307
USAA $1,690

Category Winners: Cheapest Car Insurance in Hamilton, Indiana

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

Best Annual Car Insurance Rates by Company in Hamilton, Indiana

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

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Cheapest Hamilton, IN 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, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Hamilton, Indiana

Insurance Company Low Medium High
Allstate $3,858 $4,020 $4,224
American Family $3,456 $3,598 $3,394
Farmers $3,214 $3,327 $3,464
GEICO $2,007 $2,129 $2,268
Liberty Mutual $5,445 $5,607 $5,809
Nationwide $2,615 $2,543 $2,537
Progressive $3,406 $3,539 $3,831
State Farm $1,995 $2,084 $2,178
Travelers $3,253 $3,338 $3,330
USAA $1,625 $1,685 $1,759

What affects car insurance rates in Hamilton, Indiana?

What factors can have an impact on Hamilton, IN 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, Indiana.

Commute Time in Hamilton

The more time you spend in your car the higher the risk of an accident. The average commute length in Hamilton, IN is 24.5 minutes according to City-Data.

Traffic in Hamilton

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

Compare Car Insurance Quotes in Hamilton, IN

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

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Average Monthly Car Insurance Rates by State