Compare Hamilton, MO Car Insurance Rates (2021)

Car insurance in Hamilton, MO averages $266 a month. Hamilton, Missouri 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, MO.

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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 Nationwide
  • The cheapest car insurance company in Hamilton is Nationwide
  • Average car insurance rates in Hamilton, MO after a DUI are $3,727/year

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

You’ll find Hamilton car insurance rates, the cheapest Hamilton, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Hamilton, Missouri car insurance rates to St. Joseph car insurance rates, Florissant car insurance rates, and Blue Springs car insurance rates.

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

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

How do age, gender, and marital status affect Hamilton, MO car insurance rates? Every Hamilton, Missouri 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, Missouri

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 $2,787 $2,694 $2,514 $2,592 $7,830 $8,498 $2,662 $2,746
American Family $1,974 $1,974 $1,759 $1,759 $5,380 $6,991 $1,974 $2,311
Farmers $2,304 $2,298 $2,063 $2,179 $9,214 $9,531 $2,624 $2,753
GEICO $1,859 $2,071 $1,439 $1,811 $5,651 $6,009 $1,723 $1,750
Liberty Mutual $2,707 $2,939 $2,228 $2,499 $8,957 $9,948 $2,862 $3,066
Nationwide $1,364 $1,397 $1,218 $1,295 $3,422 $4,398 $1,553 $1,684
Progressive $1,905 $1,783 $1,558 $1,602 $6,018 $6,772 $2,326 $2,379
State Farm $1,732 $1,732 $1,527 $1,527 $4,707 $5,969 $1,941 $2,202
USAA $1,605 $1,589 $1,448 $1,469 $4,844 $5,914 $1,995 $2,214

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Minimum Car Insurance in Hamilton, MO

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

Minimum Required Car Insurance Coverage in Hamilton, Missouri

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, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Hamilton, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,588 $2,962
American Family $3,935 $2,773 $2,337
Farmers $4,716 $3,918 $3,728
GEICO $3,850 $2,509 $2,008
Liberty Mutual $6,332 $3,842 $3,028
Nationwide $2,410 $1,985 $1,729
Progressive $3,530 $2,914 $2,684
State Farm $3,564 $2,412 $2,026
USAA $4,394 $2,045 $1,465

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

Annual Hamilton, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,459 $3,906 $4,875 $3,922
American Family $2,254 $3,272 $3,963 $2,573
Farmers $3,589 $4,416 $4,323 $4,155
GEICO $2,206 $2,818 $3,750 $2,383
Liberty Mutual $3,208 $4,577 $4,738 $5,080
Nationwide $1,619 $2,058 $2,723 $1,765
Progressive $2,656 $3,503 $2,927 $3,085
State Farm $2,472 $2,862 $2,667 $2,667
USAA $2,100 $2,561 $3,578 $2,300

Cheapest Hamilton, MO Car Insurance for Teen Drivers

Teen car insurance in Hamilton, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $8,498
American Family $5,380 $6,991
Farmers $9,214 $9,531
GEICO $5,651 $6,009
Liberty Mutual $8,957 $9,948
Nationwide $3,422 $4,398
Progressive $6,018 $6,772
State Farm $4,707 $5,969
USAA $4,844 $5,914

Cheapest Hamilton, MO Car Insurance for Seniors

Take a look at Hamilton, MO 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, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,514 $2,592
American Family $1,759 $1,759
Farmers $2,063 $2,179
GEICO $1,439 $1,811
Liberty Mutual $2,228 $2,499
Nationwide $1,218 $1,295
Progressive $1,558 $1,602
State Farm $1,527 $1,527
USAA $1,448 $1,469

Cheapest Hamilton, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hamilton, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,875
American Family $3,963
Farmers $4,323
GEICO $3,750
Liberty Mutual $4,738
Nationwide $2,723
Progressive $2,927
State Farm $2,667
USAA $3,578

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Cheapest Hamilton, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hamilton, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,040 $4,040
American Family $2,985 $3,045
Farmers $4,121 $4,121
GEICO $2,735 $2,844
Liberty Mutual $4,401 $4,401
Nationwide $2,041 $2,041
Progressive $3,043 $3,043
State Farm $2,603 $2,732
USAA $2,541 $2,729

The Best Cheap Car Insurance Companies in Hamilton, MO

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

Average Annual Car Insurance Rates by Company in Hamilton, Missouri

Insurance Company Average Annual Rates
Allstate $4,040
American Family $3,015
Farmers $4,121
GEICO $2,789
Liberty Mutual $4,401
Nationwide $2,041
Progressive $3,043
State Farm $2,667
USAA $2,635

Category Winners: Cheapest Car Insurance in Hamilton, Missouri

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

Best Annual Car Insurance Rates by Company in Hamilton, Missouri

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

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

Annual Car Insurance Rates by Coverage Level in Hamilton, Missouri

Insurance Company Low Medium High
Allstate $3,900 $4,032 $4,189
American Family $2,927 $3,111 $3,008
Farmers $3,878 $4,084 $4,400
GEICO $2,633 $2,805 $2,929
Liberty Mutual $4,171 $4,419 $4,612
Nationwide $1,923 $2,059 $2,142
Progressive $2,735 $3,049 $3,344
State Farm $2,527 $2,675 $2,799
USAA $2,526 $2,626 $2,752

What affects car insurance rates in Hamilton, Missouri?

What factors can have an impact on Hamilton, MO 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, Missouri.

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, MO is 32.5 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, MO traffic data from INRIX ranks Hamilton as the 263rd-most congested in the world.

Compare Car Insurance Quotes in Hamilton, MO

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

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