120+ more*Quotes generated for Insurify users in and around Hamilton, Ohio within the last 10 days. Last updated on September 6, 2026. 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 September 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
7+ years in personal finance writing
Certified Financial Education Instructor
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
The average cost of car insurance in Hamilton is $64 per month for state-minimum liability coverage and $114 per month for full coverage.
Average rates in Hamilton are lower than in nearby Cincinnati and on par with rates in Dayton. Hamilton’s rates are also similar to Ohio’s average insurance rates.
The city of Hamilton and the state of Ohio have similar average commute times and many of the same potential driving hazards. These include flooding, wildlife, and icy winter roads.
Insurify partners with 120+ top insurers for real-time quotes
Mile Auto has the cheapest liability-only rates in Hamilton, averaging $34 per month. At $54 per month, Mile Auto has the city’s cheapest average full-coverage rates.
Hamilton’s rates are comparable to the state average.
Minimum liability insurance requirements in Ohio include $25,000 per person and $50,000 per accident for bodily injury liability, and $25,000 for property damage liability.[1]
Flooding is the state’s most devastating natural hazard.[2] The Great Miami River runs directly through Hamilton, which increases flood risk — especially during heavy rainfall.
A full-coverage policy can help cover the cost of repairing or replacing your vehicle if a flood damages it. The following table shows the cheapest liability-only and full-coverage rates in Hamilton.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Mile Auto | $34 |
| State Farm | $35 |
| Progressive | $40 |
| Auto-Owners | $41 |
| Erie | $41 |
| Commonwealth Casualty | $45 |
| GEICO | $45 |
| USAA | $45 |
| Safeco | $47 |
| The General | $47 |
| Certainly | $49 |
| American Family | $50 |
| Trexis | $55 |
| Hugo | $56 |
| AssuranceAmerica | $57 |
| Trexis One | $60 |
| First Acceptance | $61 |
| Direct Auto | $65 |
| Elephant | $65 |
| GAINSCO | $65 |
| Clearcover | $68 |
| Bristol West | $69 |
| Dairyland | $72 |
| Root | $74 |
| Allstate | $77 |
| National General | $77 |
| Liberty Mutual | $79 |
| Travelers | $83 |
| Farmers | $86 |
| Insurify Car | $104 |
| State Auto | $119 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Mile Auto | $54 |
| State Farm | $60 |
| Auto-Owners | $70 |
| Erie | $70 |
| Progressive | $73 |
| GEICO | $76 |
| Safeco | $76 |
| USAA | $77 |
| American Family | $86 |
| Direct Auto | $89 |
| CSAA | $100 |
| Elephant | $102 |
| AssuranceAmerica | $105 |
| Certainly | $109 |
| The General | $110 |
| National General | $111 |
| Commonwealth Casualty | $117 |
| Root | $122 |
| Allstate | $132 |
| Liberty Mutual | $134 |
| Clearcover | $137 |
| Trexis | $137 |
| Travelers | $144 |
| GAINSCO | $147 |
| Farmers | $148 |
| Bristol West | $151 |
| First Acceptance | $162 |
| Dairyland | $166 |
| Trexis One | $166 |
| State Auto | $203 |
Columbus has some of the most expensive car insurance in Ohio, with an average monthly rate of $107. Springfield’s rates are among the lowest in Ohio, averaging $78 per month.
At $89 per month, Hamilton’s average rates are similar to the state average of $91. Drivers in Hamilton and throughout the state face similar risks, including flooding, deer collisions, and icy winter roads.
The following table shows the average monthly car insurance quotes for various cities in Ohio.
City | Average Monthly Quote |
|---|---|
| Newark | $74 |
| Mansfield | $76 |
| Springfield | $78 |
| Lancaster | $82 |
| Lorain | $82 |
| Canton | $84 |
| Elyria | $84 |
| Youngstown | $89 |
| Dayton | $91 |
| Akron | $96 |
| Cincinnati | $101 |
| Cleveland | $104 |
| Toledo | $104 |
| Columbus | $107 |
| Maple Heights | $108 |
Many parking options are available in downtown Hamilton. The city has a combination of parking garages, on-street parking, and free public lots.
While you’re driving in Butler County, be aware that state Route 4, Interstate 75, and state Route 129 experience the most crashes — nearly 2,400 in 2025. Half of all crashes in this area occurred during the weekday afternoon commute, according to the Ohio State Highway Patrol.[3]
Beyond traffic accidents, deer collisions are also common across the state. The State Highway Patrol reported more than 113,000 deer-involved crashes between 2019 and 2024.[4] About 95% of them resulted in property damage.
Winter weather can also cause issues. While snowfall totals vary from year to year, Hamilton’s roads can be icy in the winter.
A full-coverage policy, which includes collision coverage and comprehensive coverage, helps protect you financially against damage caused by these hazards. Comprehensive insurance pays to repair your car after an animal strike, and collision pays for repairs if you hit another car or slide into a guardrail during a winter storm.
It’s also worth considering uninsured motorist (UM) coverage in Ohio. An estimated 15% of the state’s drivers are uninsured, according to the Ohio Department of Insurance.[5]
UM coverage can provide greater financial protection if an uninsured driver causes an accident.
Pay your first week’s premium and get immediate proof of insurance
In Hamilton, about 5.6% of drivers have a ticket on their record, 0.8% have an operating a vehicle impaired (OVI) conviction, and 5.8% have an at-fault accident, according to Insurify data.
Ohio is an at-fault state, which means a driver who causes an accident is responsible for damages.
The state also follows comparative negligence rules. If more than one driver is responsible for an accident, each driver shares financial responsibility.
For example, if you’re 80% at fault for a crash and the other driver is 20% at fault, each driver’s share of the damages may be adjusted based on their percentage of fault.
The table below shows the average monthly rates for Hamilton drivers based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $89 |
| Speeding ticket | $118 |
| At-fault accident | $126 |
| OVI | $129 |
Teen drivers pay some of the highest rates for car insurance due to a lack of experience and higher accident rates. In 2025, teen drivers in Butler County were in 1,478 crashes, according to the Ohio State Highway Patrol.
Ohio’s graduated driver licensing law helps protect teen drivers. Teens start with a temporary permit, move to a probationary driver’s license, then receive an unrestricted license when they turn age 18.[6]
The data in the following table includes average monthly quotes for Hamilton drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $156 |
| 20s | $97 |
| 30s | $78 |
| 40s | $73 |
| 50s | $67 |
| 60s | $63 |
| 70+ | $66 |
*Quotes generated for Insurify users in and around Hamilton, Ohio within the last 10 days. Last updated on September 6, 2026. 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 September 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
){kind=small}
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
){kind=small}
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
For more information about auto insurance rates and coverage in the City of Sculpture, check out the answers to frequently asked questions below.
The average monthly cost of car insurance in Hamilton, Ohio, is $64 for liability-only coverage and $114 for full coverage.
Mile Auto offers the cheapest car insurance rates in Hamilton. Liability-only coverage costs an average of $34.
You can often find cheaper insurance rates in Hamilton by comparing free quotes from multiple insurers. Ask about discounts and consider higher deductibles. Maintaining a good credit history and a clean driving record can also help you get cheaper rates in Hamilton.
The best car insurance company in Hamilton depends on your individual needs, budget, and driving history. Before choosing an insurer, compare rates and coverage options from multiple companies, ask about discounts, and check customer reviews.
Minimum car insurance required by Ohio law includes $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $25,000 per accident in property damage liability coverage.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
7+ years in personal finance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
