Compare Hamilton, OH Car Insurance Rates (2021)

Car insurance in Hamilton, OH averages $257 a month. Hamilton, Ohio 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, OH.

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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 is USAA
  • The cheapest car insurance company in Hamilton for teen drivers is USAA
  • The cheapest ZIP code in Hamilton is 45011

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

You’ll find Hamilton car insurance rates, the cheapest Hamilton, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Hamilton, Ohio car insurance rates to Cleveland car insurance rates, Hamilton car insurance rates, and Dayton car insurance rates.

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

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

How do age, gender, and marital status affect Hamilton, OH car insurance rates? Every Hamilton, Ohio 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, 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

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Minimum Car Insurance in Hamilton, OH

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

Minimum Required Car 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

Cheapest Hamilton, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Hamilton, OH. 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, 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

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

Annual Hamilton, Ohio Car 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

Cheapest Hamilton, OH Car Insurance for Teen Drivers

Teen car insurance in Hamilton, OH 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, 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

Cheapest Hamilton, OH Car Insurance for Seniors

Take a look at Hamilton, OH 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, 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

Cheapest Hamilton, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hamilton, Ohio

Insurance Company Annual Car 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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Cheapest Hamilton, OH Car Insurance Rates by Commute Length

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

Annual Car 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

Cheapest Hamilton, OH Car Insurance Rates by ZIP Code

Hamilton car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Hamilton, OH.

Annual Car Insurance Rates by ZIP Code in Hamilton, Ohio

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

The Best Cheap Car Insurance Companies in Hamilton, OH

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

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Hamilton, Ohio

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

Best Annual Car 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

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

Annual Car 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

What affects car insurance rates in Hamilton, Ohio?

What factors can have an impact on Hamilton, OH 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, Ohio.

Car Theft in Hamilton

High levels of vehicle theft can make car insurance more expensive. Hamilton, OH car theft statistics from the FBI indicate 191 vehicle thefts a year.

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, OH is 25.9 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, OH traffic data from INRIX ranks Hamilton as the 263rd-most congested in the world.

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Compare Car Insurance Quotes in Hamilton, OH

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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