Cheapest Auto Insurance in Hamilton, Ohio (2024)
Mile Auto offers the cheapest car insurance in Hamilton, with minimum-coverage policies as low as $36 per month.
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Updated November 21, 2024
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Table of contents
Hamilton drivers pay an overall monthly average of $105 for car insurance, which is slightly higher than the Ohio average of $102.
Despite low rates overall, likely due in part to its comparatively small population size and less congested roadways, every Hamilton car insurance company offers different rates. You could pay more or less depending on the specific coverage you choose, the car you drive, and other factors.
Here’s what you should know about comparing quotes and finding affordable coverage in Hamilton.
Quick Facts
Mile Auto, State Farm, and Erie have the cheapest car insurance in Hamilton.
Drivers in Hamilton pay $84 per month for liability-only insurance and $152 per month for full coverage.
Hamilton had 1,421 traffic accidents in 2023, including 96 that involved either alcohol or drugs, according to Ohio State Highway Patrol data.
3 of the cheapest car insurance companies in Hamilton
Hamilton drivers have many car insurance companies to choose from, but three companies stand out from the rest. While they provide some of the lowest rates on Hamilton car insurance, they’re also the best because of the coverage they offer and their financial strength ratings.
But “best” is subjective, so it’s important to look at the big picture when deciding whether a particular company is right for you.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $38 | Rideshare drivers |
| Mile Auto | 7.5 | $46 | $35 | Low-mileage drivers |
| American Family | 9.1 | $96 | $55 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for rideshare drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $69/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In business for more than 100 years, State Farm today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small-business insurance. Available in 48 states and Washington, D.C., State Farm offers multiple ways for Hamilton drivers to save, from customizing coverage types to a robust list of available discounts.
The company has far fewer complaints than expected for a company of its size, according to the National Association of Insurance Commissioners (NAIC) Consumer Complaints Index.
Pros
Above-average J.D. Power customer satisfaction rating in the North Central region
Rideshare insurance available
Cons
Gap insurance not available
Accident forgiveness coverage only available to long-time customers with clean driving records
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $47/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto is unlike other auto insurance companies in that it bases rates on the number of miles you drive. The company says low-mileage drivers can save up to 40% compared to a standard policy.
While Mile Auto requires drivers to report mileage, it asks for a photo of your odometer rather than tracking your driving with a telematics device. Your rate includes a base rate plus the rate for miles driven.
Pros
Pay only for the miles you drive
No telematics device to install
Cons
Available in only 11 states
No discounts or bundling options
Best insurer for discounts: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.5
Best choiceBased on 386 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (207)
Stephanie
November 5, 2024
Verified Review
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
Devona
November 5, 2024
Verified Review
Line by Line to Save Money
Go through every line item with your agent!
Joseph
November 4, 2024
Verified Review
Looking for Better
Beware of renewal periods, as American Family increases the premium amount at every renewal stage, even without you having any claims or violations.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Founded in 1927 in Madison, Wisconsin, American Family offers more than a dozen types of insurance in 18 states throughout the Midwest and western U.S. It stands out for its high rate of customer satisfaction, with largely positive online consumer reviews and a well-below-average number of complaints on the NAIC Consumer Complaint Index.
American Family offers policyholders 16 different discounts to help lower their rates.
Pros
Numerous discount and coverage options
Positive third-party customer service ratings
Cons
Below-average J.D. Power customer satisfaction rating in the North Central region
Available in only 18 states
How to get the cheapest car insurance in Hamilton
Auto insurance companies consider various factors when determining your rates: the coverage you purchase, plus the type of car you drive, how much you drive it, and where you park it, for example. Personal factors like your age, gender, credit history, and driving record also affect your rate.[1]
When you’re looking for the best rate, a good way to start is by getting an insurance review from a local agent to find out what the best coverage is for your unique needs. That way, you won’t waste money by over-insuring or put yourself at risk by purchasing too little insurance.
Next, compare quotes from a few different companies to make sure you’re getting the lowest rate.
Here are some more ways to save money and lower your premiums:
Increase your collision or comprehensive deductibles.
Purchase multiple policies from the same insurance company.
Improve your credit standing.
Apply for discounts.
Avoid speeding and other risky driving behaviors.
Find Cheap Car Insurance in Hamilton, Ohio
Liability rates start at $36 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Hamilton: Mile Auto
Liability insurance provides two types of coverage that protect you when you cause a car accident. Bodily injury coverage pays the medical bills of people injured or killed in a crash. Property damage coverage reimburses other people for property damaged or destroyed in a crash.
Liability insurance doesn’t reimburse you for your own injuries or property damage, but it does protect your assets against lawsuits by the other parties, and it can even help to discourage a suit.
Liability insurance in Hamilton costs an average of $78 per month. The companies listed below offer the cheapest car insurance policies for drivers looking for liability-only coverage in Hamilton.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $36 |
| State Farm | $39 |
| Erie | $46 |
| Auto-Owners | $46 |
| GEICO | $50 |
| USAA | $51 |
| American Family | $57 |
| Nationwide | $59 |
| Safeco | $61 |
| Progressive | $65 |
| Root | $66 |
| The General | $68 |
| Commonwealth Casualty | $79 |
| CSAA | $83 |
| Dairyland | $84 |
| Clearcover | $85 |
| Allstate | $86 |
| Direct Auto | $87 |
| National General | $94 |
| Travelers | $94 |
| Farmers | $97 |
| Bristol West | $98 |
| GAINSCO | $104 |
| Liberty Mutual | $107 |
| State Auto | $134 |
| Foremost | $147 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Hamilton: Mile Auto
Full-coverage car insurance provides the protection you get with liability-only insurance and adds coverage for your own damages.
Collision insurance covers damage from accidents with other vehicles or from hitting a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage. Comprehensive coverage is for damage from non-collision events, such as theft, vandalism, fire, weather hazards, cracked windshields, and animal strikes. Drivers must have full coverage if they’re financing or leasing their vehicle. Otherwise, collision and comprehensive are optional coverages.
Hamilton drivers pay a monthly average of $132 for full-coverage insurance. The following companies offer the cheapest insurance quotes for full coverage in Hamilton.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $47 |
| State Farm | $69 |
| Erie | $80 |
| Auto-Owners | $80 |
| GEICO | $87 |
| USAA | $89 |
| Safeco | $99 |
| American Family | $99 |
| Nationwide | $102 |
| Progressive | $113 |
| Root | $113 |
| Direct Auto | $136 |
| CSAA | $138 |
| The General | $141 |
| National General | $142 |
| Allstate | $151 |
| Clearcover | $162 |
| Travelers | $164 |
| Farmers | $168 |
| Liberty Mutual | $182 |
| Commonwealth Casualty | $203 |
| GAINSCO | $210 |
| Dairyland | $211 |
| Bristol West | $227 |
| State Auto | $233 |
| Foremost | $328 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Hamilton, Ohio
Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $32/mo for full coverage in Hamilton and other Ohio cities.
*Quotes generated for Insurify users in and around Hamilton, Ohio within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Hamilton, Ohio within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Ohio
Ohio drivers must be able to show financial responsibility for an at-fault accident, according to the Ohio Department of Insurance. Liability insurance serves that purpose for most drivers.
The minimum mandatory coverage under Ohio law is as follows:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Ohio is an at-fault state, meaning the insurance of the driver who caused the accident is obligated to pay for the property damage and injuries of the other driver and their passengers. Insurance professionals typically recommend buying liability limits that exceed state minimums for greater financial protection.
Hamilton drivers can also consider a number of helpful optional coverages, including:
Gap insurance
If you lease or finance your vehicle and get into an accident that totals it, your claims payout may not be enough to cover your lease or loan balance. Gap insurance can pay the difference between what you owe on a lease or loan and what your insurer pays for a total loss claim.
Accident forgiveness
An accident can increase your car insurance rates for several years. But if you buy accident forgiveness coverage before something happens, your insurer will "forgive" your first at-fault crash, and your rates won't rise.
Uninsured/underinsured motorist coverage
Although Ohio requires drivers to have at least a minimum amount of liability coverage, some drivers opt to go without insurance. If an uninsured driver, or one who has too little liability coverage, causes an accident that damages your vehicle or causes injuries, your uninsured/underinsured motorist coverage can cover your costs.
Cheapest car insurance for drivers with an incident
An incident is an accident or moving violation that gets reported to your insurance company, whether because you caused the crash or received a ticket or court summons. Common incidents include at-fault accidents and moving violations such as speeding tickets and operating a vehicle impaired (OVI).
One thing incidents have in common is that having one makes you a high-risk customer for the insurance company to insure. In some cases, your insurer may increase your car insurance premiums for several years or discontinue discounts you’ve been receiving to make up for that added risk.
On average, drivers with motor vehicle violations on their record in Hamilton pay $173 per month for full-coverage car insurance and $102 for liability-only coverage.
Shop for Car Insurance in Hamilton, OH
Monthly rates start at $45 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Speeding doesn’t just increase your risk of getting into an accident — it also makes you and other people involved in an accident more likely to be seriously injured or killed. In 2023, speed was a factor in 105 accidents that occurred in Hamilton, state data shows. In addition, a high-speed crash can result in more extensive damage to cars and other property.
Not surprisingly, speeding tickets can drive up your car insurance rates for several years, especially if you’ve received two or more in a few-year period. Hamilton drivers with a speeding ticket pay an average of $115 per month for liability insurance.
Below, you can see which insurers in Hamilton offer the cheapest liability-only car insurance to drivers with speeding tickets.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $39 | $51 |
| Erie | $46 | $63 |
| Auto-Owners | $46 | $62 |
| GEICO | $50 | $67 |
| USAA | $51 | $68 |
| American Family | $57 | $76 |
| Nationwide | $59 | $79 |
| Safeco | $61 | $82 |
| Progressive | $65 | $86 |
| Root | $66 | $94 |
| The General | $68 | $92 |
| Commonwealth Casualty | $79 | $113 |
| CSAA | $83 | $113 |
| Dairyland | $84 | $112 |
| Clearcover | $85 | $114 |
| Allstate | $86 | $115 |
| Direct Auto | $87 | $116 |
| National General | $94 | $126 |
| Travelers | $94 | $126 |
| Farmers | $97 | $129 |
| Bristol West | $98 | $131 |
| GAINSCO | $104 | $149 |
| Liberty Mutual | $107 | $153 |
| State Auto | $134 | $192 |
| Foremost | $147 | $211 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
An at-fault accident usually prompts an insurance company to raise a driver’s auto insurance rate for three to five years. While a minor accident is likely to result in a small increase, serious accidents that cause injuries or major property damage could lead to a more significant rate increase — especially if you’re totally at fault.
Hamilton drivers with an at-fault accident on their record pay a monthly average of $115 for a liability policy. It may be worth exploring accident forgiveness coverage to help keep your rates low after an accident.
The insurers in the table below offer the most affordable monthly liability-only rates to Hamilton drivers with at-fault accidents.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $39 | $53 |
| Erie | $46 | $65 |
| Auto-Owners | $46 | $63 |
| GEICO | $50 | $69 |
| USAA | $51 | $70 |
| American Family | $57 | $78 |
| Nationwide | $59 | $82 |
| Safeco | $61 | $83 |
| Progressive | $65 | $90 |
| Root | $66 | $97 |
| The General | $68 | $95 |
| Commonwealth Casualty | $79 | $106 |
| CSAA | $83 | $118 |
| Dairyland | $84 | $114 |
| Clearcover | $85 | $125 |
| Allstate | $86 | $118 |
| Direct Auto | $87 | $122 |
| National General | $94 | $129 |
| Travelers | $94 | $130 |
| Farmers | $97 | $133 |
| Bristol West | $98 | $134 |
| GAINSCO | $104 | $137 |
| Liberty Mutual | $107 | $156 |
| State Auto | $134 | $200 |
| Foremost | $147 | $215 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an OVI: State Farm
Ohio law considers you under the influence if you have a blood alcohol content of 0.08% or more. Penalties are strict, with first offenders serving three days to six months in jail, paying a fine of as much as $1,075, and losing their license for up to three years.[3]
On top of that, drivers convicted of OVI may lose their insurance coverage and pay a steep surcharge with their new insurer.
A liability-only policy in Hamilton costs drivers with a DUI $130 per month, on average. If you have a DUI on record, you can search for affordable liability car insurance options with the companies listed below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With OVI ▲▼ |
|---|---|---|
| State Farm | $39 | $65 |
| Erie | $46 | $76 |
| Auto-Owners | $46 | $76 |
| GEICO | $50 | $83 |
| USAA | $51 | $85 |
| American Family | $57 | $95 |
| Nationwide | $59 | $98 |
| Safeco | $61 | $94 |
| Progressive | $65 | $108 |
| Root | $66 | $98 |
| The General | $68 | $113 |
| Commonwealth Casualty | $79 | $131 |
| CSAA | $83 | $124 |
| Dairyland | $84 | $139 |
| Clearcover | $85 | $141 |
| Allstate | $86 | $143 |
| Direct Auto | $87 | $144 |
| National General | $94 | $156 |
| Travelers | $94 | $156 |
| Farmers | $97 | $161 |
| Bristol West | $98 | $163 |
| GAINSCO | $104 | $173 |
| Liberty Mutual | $107 | $178 |
| State Auto | $134 | $223 |
| Foremost | $147 | $244 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Insurance companies consider teens and other younger drivers as high-risk drivers, so they typically pay higher rates. Rates typically begin to decline around age 25, and drivers who maintain clean records will continue to see low rates for at least the next 40 years.
Senior drivers in Hamilton pay a monthly average of $56 for a minimum-coverage policy.
Older Ohio drivers can save money by taking an accident-prevention course for seniors between the ages of 60 and 70.[4] The discount you receive for taking the class might soften the blow when your rate starts to creep up around age 70 due to increased accident risk. Age was a factor in 476 accidents in Hamilton last year, according to state police data.
The insurers below offer the most affordable monthly coverage to seniors in Hamilton.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $33 | $25 |
| State Farm | $50 | $28 |
| Erie | $57 | $33 |
| Auto-Owners | $59 | $34 |
| GEICO | $64 | $37 |
| USAA | $66 | $38 |
| Nationwide | $70 | $41 |
| American Family | $72 | $41 |
| Progressive | $75 | $43 |
| Safeco | $79 | $49 |
| Root | $88 | $52 |
| CSAA | $98 | $59 |
| Direct Auto | $98 | $63 |
| National General | $101 | $67 |
| The General | $106 | $51 |
| Allstate | $113 | $64 |
| Travelers | $119 | $68 |
| Farmers | $122 | $70 |
| Clearcover | $130 | $68 |
| Liberty Mutual | $142 | $84 |
| Commonwealth Casualty | $151 | $59 |
| Dairyland | $157 | $62 |
| State Auto | $161 | $93 |
| GAINSCO | $164 | $81 |
| Bristol West | $169 | $73 |
| Foremost | $244 | $109 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
If you’ll be insuring your teen once they get their temporary driving permit or probationary license, know that you’ll see a big rate increase — up to 50% for a female teen and even more for a young male — according to the Ohio Department of Insurance.[5] Because teens have higher accident rates and are more likely to engage in risky behaviors like distracted driving, insurers charge them more.
A liability-only insurance policy for teen drivers in Hamilton costs $149 per month, on average.
But many Hamilton auto insurers give you and your teen several ways to save.
For example, you might:
Keep the teen on your policy.
Require your teen to take a driver safety course.
Have them drive an inexpensive car.
Encourage good grades so they qualify for a good student discount.
Have them leave their car at home when they head off to college, and you may be able to get a student-away-at-school discount.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $126 | $71 |
| Erie | $143 | $82 |
| Auto-Owners | $143 | $82 |
| GEICO | $148 | $85 |
| USAA | $159 | $91 |
| Root | $181 | $105 |
| American Family | $182 | $105 |
| Nationwide | $189 | $109 |
| Safeco | $201 | $124 |
| Progressive | $210 | $121 |
| CSAA | $236 | $142 |
| The General | $239 | $115 |
| Direct Auto | $263 | $168 |
| Allstate | $285 | $163 |
| National General | $295 | $195 |
| Farmers | $312 | $180 |
| Clearcover | $315 | $165 |
| Travelers | $315 | $180 |
| Liberty Mutual | $332 | $195 |
| Dairyland | $363 | $144 |
| Commonwealth Casualty | $373 | $145 |
| GAINSCO | $385 | $191 |
| Bristol West | $407 | $176 |
| State Auto | $439 | $252 |
| Foremost | $618 | $277 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Hamilton car insurance quotes by credit tier
Good credit has many financial rewards, not the least of which is a lower rate on auto insurance. Car insurance companies use your credit history to calculate your risk of filing a claim and forecast how much that claim might cost. Drivers with higher credit-based insurance scores are at lower risk of filing claims, so they have lower insurance rates.
The following table demonstrates how credit affects average monthly auto insurance premiums for Hamilton drivers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Hamilton?
The average cost of car insurance in Ohio is $131 for full coverage and $73 for liability only. By comparison, Hamilton's average rates are $132 and $78, respectively.
Many Hamilton car insurance companies offer lower-than-average rates.
More cities in Ohio
Hamilton is the seat of Butler County, and most of its residents drive to work, according to U.S. Census Bureau data. The city's congest roads and higher accident rate likely contribute to Hamilton's higher car insurance costs.
Here’s how car insurance rates in Hamilton compare to several other Ohio cities.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Dayton | $76 | $137 |
| Toledo | $91 | $159 |
| Springfield | $63 | $116 |
| Cleveland | $84 | $153 |
| Cincinnati | $84 | $152 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Hamilton car insurance FAQs
If you’re in the market for a car insurance policy, check out Insurify’s guide on how to shop for car insurance. You may also find this additional information helpful as you research your coverage options.
How much is car insurance in Hamilton, Ohio?
Car insurance in Hamilton costs $78 per month for a liability-only policy and $132 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Hamilton?
Mile Auto has the cheapest car insurance rates in Hamilton, at $36 per month for liability coverage. State Farm and Erie also offer low rates, at $39 and $46 per month, respectively. But the cheapest insurer for you will depend on several rating factors, including your age, ZIP code, type of car you drive, and more.
What are the best car insurance companies in Hamilton?
State Farm is one of the best car insurance companies in Hamilton. It has low rates, an above-average J.D. Power customer satisfaction rating in the North Central region, and an A++ (Superior) financial strength rating from AM Best, the highest level possible. Other top insurers in Hamilton include American Family and Mile Auto.
What factors affect the cost of car insurance in Hamilton, Ohio?
Many factors can affect the cost of car insurance in a particular city, including the ZIP code, population size, risk of severe weather, and accident and vehicle crime rates.
Is Ohio a no-fault state?
No. Ohio is an at-fault state, which means the driver who causes an accident is responsible for covering the other party’s damages and injuries.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Ohio
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Ohio Department of Insurance. "Ohio’s Minimum Coverage Requirements for Auto Insurance."
- Nolo. "Ohio’s OVI/DUI Laws and Penalties."
- Ohio Department of Insurance. "Guide to Automobile Insurance."
- Ohio Department of Insurance. "Auto Insurance for Established Families."
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Daria Kelly Uhlig
Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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