Cheapest Auto Insurance in Hamilton, Ohio (2024)

Hamilton drivers pay an overall monthly average of $124 for car insurance, which is slightly higher than the Ohio average of $114. 

Despite low rates overall, likely due in part to its comparatively small population size, 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.

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.

Best insurer for rideshare drivers: State Farm

Best insurer for low-mileage drivers: Mile Auto

Best insurer for discounts: American Family

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 score, 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 or insurance broker 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 deductible.

• Purchase multiple policies from the same insurance company.

• Improve your credit score.

• Apply for discounts.

• Avoid speeding and other risky driving behaviors.

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Liability rates start at $39 per month

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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 $82 per month. The companies listed below offer the cheapest car insurance policies for drivers looking for liability-only coverage in Hamilton.

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. Comprehensive coverage is for damage from other events, such as if a tree falls on your car, it’s stolen or vandalized, or you hit a deer. 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 $165 for full-coverage insurance. The following companies offer the cheapest insurance quotes for full coverage in Hamilton.

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]

Whereas drivers in no-fault states are reimbursed through their own insurance company no matter who’s at fault in a crash, Ohio is an at-fault state, so the at-fault party in an accident is responsible for the cost of any injuries and property damage that result.

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 DUIs.

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 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 $226 per month for full-coverage car insurance and $112 for liability-only coverage.

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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 2021, for example, 360 people died in Ohio car accidents attributed to speeding.^[3] 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, especially if you’ve received two or more in a few-year period. Hamilton drivers with a speeding ticket pay an average of $122 per month for liability insurance.

Below, you can see which insurers in Hamilton offer the cheapest car insurance to drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: Hugo

An at-fault accident usually prompts an insurance company to raise a driver’s auto insurance rate. 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 $125 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 rates to Hamilton drivers with at-fault accidents.

Cheapest car insurance for drivers with a DUI: Hugo

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.^[4]

On top of that, drivers convicted of DUI 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 $141 per month, on average. If you have a DUI on record, you can search for affordable car insurance options with the companies listed below.

Cheapest car insurance for seniors: Hugo

Insurance companies consider teens and other younger drivers as high-risk drivers, so they typically pay higher rates. But little by little, those rates drop until around age 35, and, all else being equal, they stay low for the next 40 years.

Senior drivers in Hamilton pay a monthly average of $55 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.^[5] 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 risk of serious injury in a crash. The insurers below offer the most affordable monthly coverage to seniors in Hamilton.

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.^[6]

A liability-only insurance policy for teen drivers in Hamilton costs $146 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.

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 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.

Is car insurance more expensive in Hamilton?

Of 30 states Insurify researched, Ohio ranks eighth in terms of affordable full-insurance coverage, with an average monthly premium of $114. Most, but not all, Hamilton car insurance companies have lower average premiums than that.

More cities in Ohio

Hamilton full-coverage insurance policies are more expensive than policies in every Ohio city Insurify researched, except for Toledo. ButToledo has over four times the population, more than four times as much property crime, and more than 2.5 times as many car thefts.

Here’s how car insurance rates in Hamilton compare to several other Ohio cities.

Hamilton car insurance FAQs