Cheapest Auto Insurance in Hamilton, Ohio (2024)

Mile Auto offers the cheapest car insurance in Hamilton, with minimum-coverage policies as low as $39 per month.

Daria Kelly Uhlig
Daria Kelly Uhlig
  • Licensed Realtor with 10+ years in personal finance content

  • Contributor to Nasdaq and USA Today

Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.

Featured in

media logomedia logomedia logomedia logo
Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo

Updated June 16, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Hamilton, Ohio

Drivers in and around Hamilton, Ohio have found policies from Hugo, Dairyland, The General, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Hamilton, Ohio within the last 10 days. Last updated on June 12, 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 June 12, 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 June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Hamilton drivers pay an overall monthly average of $125 for car insurance, which is slightly higher than the Ohio average of $115. 

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.

Quick Facts
  • Mile Auto, Hugo, and State Farm have the cheapest car insurance in Hamilton.

  • Drivers in Hamilton pay $85 per month for liability-only insurance and $183 per month for full coverage.

  • Hamilton rates for full coverage are higher than rates in most other Ohio cities.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$71$39Rideshare drivers
Mile Auto3.7$55$36Low-mileage drivers
American Family4.5$102$56Discounts
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-5 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$42/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.
$77/mo

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 all 50 states, State Farm offers multiple ways 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

  • Fewer available discounts than some competitors

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.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).
NR
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.
$61/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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.
$61/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.
$112/mo

Founded in 1927 in Madison, Wisconsin, American Family Insurance offers more than a dozen types of insurance in 18 states throughout the midwestern 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

Read our American Family review
Christina - June 13, 2024
Verified

Good, Expensive

Good, Expensive

Christina - June 13, 2024
Verified

Good

Overall, it's good.

Farhad - June 12, 2024
Verified

Great Insurance

Sometimes, it's hard to get a hold of them and their website doesn't always run smoothly. Their lack of use of OEM is disappointing. Other than that, they are great.

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.

Find Cheap Car Insurance in Hamilton, Ohio

Liability rates start at $39 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$39
Hugo$42
State Farm$42
Auto-Owners$49
Erie$49
GEICO$53
Safeco$53
USAA$54
American Family$61
Midvale Home & Auto$61
Clearcover$62
Elephant$63
Nationwide$63
Progressive$70
Commonwealth Casualty$79
Liberty Mutual$79
The General$80
National General$83
Dairyland$85
Direct Auto$92
Allstate$93
GAINSCO$95
CSAA$98
Travelers$101
Farmers$103
State Auto$116
Root$121
Bristol West$133
Foremost$149
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. 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 $168 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$61
State Farm$77
Safeco$89
Auto-Owners$90
Elephant$90
Erie$90
GEICO$99
Clearcover$100
USAA$100
Midvale Home & Auto$108
American Family$112
Nationwide$115
Progressive$128
Hugo$136
Liberty Mutual$148
National General$155
Direct Auto$163
Allstate$171
The General$171
CSAA$176
GAINSCO$176
Root$185
Travelers$185
Farmers$190
Commonwealth Casualty$191
State Auto$204
Dairyland$227
Bristol West$282
Foremost$325
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 in and around Hamilton, Ohio have found policies from Certainly, Progressive, Allstate, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Hamilton, Ohio within the last 10 days. Last updated on June 12, 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 June 12, 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 June 12, 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 June 12, 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]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

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 $230 per month for full-coverage car insurance and $112 for liability-only coverage.

Shop for Car Insurance in Hamilton, OH

Monthly rates start at $52 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo$42$59
State Farm$42$55
Auto-Owners$49$65
Erie$49$66
GEICO$53$70
Safeco$53$71
USAA$54$71
American Family$61$81
Midvale Home & Auto$61$84
Clearcover$62$83
Elephant$63$92
Nationwide$63$84
Progressive$70$93
Commonwealth Casualty$79$115
Liberty Mutual$79$115
The General$80$107
National General$83$108
Dairyland$85$113
Direct Auto$92$123
Allstate$93$123
GAINSCO$95$139
CSAA$98$133
Travelers$101$135
Farmers$103$136
State Auto$116$167
Root$121$170
Bristol West$133$175
Foremost$149$217
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: 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 $124 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo$42$56
State Farm$42$58
Auto-Owners$49$67
Erie$49$69
GEICO$53$73
Safeco$53$71
USAA$54$74
American Family$61$84
Midvale Home & Auto$61$89
Clearcover$62$91
Elephant$63$85
Nationwide$63$88
Progressive$70$98
Commonwealth Casualty$79$107
Liberty Mutual$79$119
The General$80$112
National General$83$114
Dairyland$85$117
Direct Auto$92$129
Allstate$93$128
GAINSCO$95$127
CSAA$98$141
Travelers$101$140
Farmers$103$141
State Auto$116$176
Root$121$177
Bristol West$133$181
Foremost$149$224
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 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo$42$72
State Farm$42$72
Auto-Owners$49$83
Erie$49$83
GEICO$53$90
Safeco$53$90
USAA$54$92
American Family$61$104
Midvale Home & Auto$61$104
Clearcover$62$106
Elephant$63$107
Nationwide$63$107
Progressive$70$119
Commonwealth Casualty$79$134
Liberty Mutual$79$134
The General$80$136
National General$83$141
Dairyland$85$145
Direct Auto$92$157
Allstate$93$158
GAINSCO$95$162
CSAA$98$167
Travelers$101$172
Farmers$103$175
State Auto$116$197
Root$121$206
Bristol West$133$226
Foremost$149$254
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. 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 $54 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull Coverage Liability Only
Mile Auto$41$26
State Farm$53$29
Erie$59$32
Auto-Owners$63$34
Elephant$64$44
Safeco$65$38
GEICO$71$38
USAA$71$38
Clearcover$72$44
Midvale Home & Auto$73$41
Nationwide$76$42
American Family$78$42
Progressive$81$44
Hugo$86$27
Liberty Mutual$105$56
National General$111$59
Direct Auto$112$63
Allstate$123$67
CSAA$123$68
The General$126$59
GAINSCO$130$70
Travelers$130$71
Farmers$132$72
Commonwealth Casualty$136$56
Root$136$89
State Auto$140$80
Dairyland$163$61
Bristol West$202$95
Foremost$227$104
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.[6]

A liability-only insurance policy for teen drivers in Hamilton costs $144 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull Coverage Liability Only
State Farm$129$70
Elephant$147$103
Erie$150$82
Auto-Owners$153$83
GEICO$154$82
USAA$164$89
Safeco$184$109
Midvale Home & Auto$186$105
Clearcover$192$119
American Family$194$106
Nationwide$194$106
Progressive$229$125
Hugo$235$73
Liberty Mutual$272$145
The General$274$128
Root$280$183
CSAA$285$159
National General$289$155
Direct Auto$294$166
Allstate$296$161
GAINSCO$311$168
Travelers$329$180
Farmers$331$179
Commonwealth Casualty$335$138
State Auto$358$203
Dairyland$376$141
Bristol West$475$224
Foremost$570$261
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.

Find Car Insurance in Hamilton

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

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?

Of 30 states Insurify researched, Ohio ranks eighth in terms of affordable full-insurance coverage, with an average monthly premium of $115. 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.

CityLiability OnlyFull Coverage
Dayton$76$172
Toledo$91$199
Springfield$62$134
Cleveland$88$191
Cincinnati$85$183
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 $82 per month for a liability-only policy and $168 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 $39 per month for liability coverage. Hugo and State Farm also offer low rates, at $42 and $42 per month, respectively. But the cheapest insurer for you will depend on several 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. 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 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Ohio Department of Insurance. "Ohio’s Minimum Coverage Requirements for Auto Insurance."
  3. Ohio Department of Public Safety. "Law Enforcement Officers From Six States Join Forces to Combat Speeding."
  4. Nolo. "Ohio’s OVI/DUI Laws and Penalties."
  5. Ohio Department of Insurance. "Guide to Automobile Insurance."
  6. Ohio Department of Insurance. "Auto Insurance for Established Families."
Daria Kelly Uhlig
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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all