Cheapest Auto Insurance in Hamilton, Ohio (2026)
Mile Auto offers the cheapest car insurance in Hamilton, with minimum-coverage policies as low as $38 per month.
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Written byDaria Kelly Uhlig
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Daria Kelly UhligHome Insurance Writer, Realtor
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
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Hamilton drivers pay an overall monthly average of $99 for car insurance, which is slightly higher than the Ohio average of $91.
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 Progressive have the cheapest car insurance in Hamilton.
Drivers in Hamilton pay $80 per month for liability-only insurance and $142 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 | $62 | $36 | Rideshare drivers |
| Mile Auto | 8.8 | $55 | $35 | Low-mileage drivers |
| American Family | 9.3 | $89 | $51 | Discounts |
Disclaimer: Table data sourced from real-time Hamilton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hamilton 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 55,000 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 | 4.1 |
|---|---|
| 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. | $67/mo |
4.1
Best choice in Hamilton, OHBased on 19,436 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Hamilton for
Showing 65 Ohio reviews for Hamilton driversSee all 7,750 State Farm reviews
Verified Review
Reviewed in Ohio on June 23, 2026
They cover what they need to cover, but my monthly payments are too high.
Verified Review
Reviewed in Ohio on June 22, 2026
Trouble with auto pay not debiting the bank, then they say they are canceling. We go to the office, and they need a 2-month payment; still, auto debit is not working. Next, the debit is 2 months; we are billed monthly. They say they don't know why it is not debiting auto pay and not to worry, LOL. The office doesn't know what the main branch is doing.
Verified Review
Reviewed in Ohio on June 19, 2026
They keep raising rates, with no break for being with them for 45 years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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).
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 | 4.5 |
|---|---|
| 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. | 8.8 /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. | $38/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. | $60/mo |
4.5
Best choice in Hamilton, OHBased on 207 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best in Hamilton for
Showing recent national reviewsSee all 69 Mile Auto reviews
Verified Purchase
Reviewed in Georgia on June 6, 2026
Overall, I had a good experience and saved money.
Verified Purchase
Reviewed in Tennessee on May 6, 2026
I just wish they would send me an actual insurance card and my policy info in the mail, not just email, because I have no way to print it.
Verified Purchase
Reviewed in Georgia on April 16, 2026
This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
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
Why 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 | 4.6 |
|---|---|
| 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. | $55/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. | $97/mo |
4.6
Best choice in Hamilton, OHBased on 647 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Hamilton for
Showing recent national reviewsSee all 272 American Family reviews
Verified Review
Reviewed in Kansas on June 24, 2026
Easy to file claims. Claims are handled quickly. Coverage value is better than average.
Verified Review
Reviewed in California on June 16, 2026
I had a car accident where a man ran into me while I was sitting, waiting for the light to change. The damage was $13,000, and they fixed it right away. Nothing bad.
Verified Review
Reviewed in Nevada on May 26, 2026
I recommend this insurance to everyone. Great rates and excellent customer service. I am very happy with this company.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
642
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
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).
A
Why 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 $38 per month
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4.7 out of 5 based on 15,664 reviews
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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 $73 per month. The companies listed below offer the cheapest car insurance policies for drivers looking for liability-only coverage in Hamilton.
The below rates in Hamilton, OH, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $38 |
| State Farm | $39 |
| Progressive | $45 |
| Auto-Owners | $46 |
| Erie | $46 |
| Commonwealth Casualty | $50 |
| GEICO | $50 |
| USAA | $50 |
| Safeco | $52 |
| The General | $52 |
| Certainly | $54 |
| American Family | $55 |
| Hugo | $61 |
| Trexis | $61 |
| AssuranceAmerica | $63 |
| Trexis One | $66 |
| First Acceptance | $67 |
| Direct Auto | $72 |
| Elephant | $72 |
| GAINSCO | $72 |
| Clearcover | $76 |
| Bristol West | $77 |
| Dairyland | $82 |
| Root | $83 |
| Allstate | $86 |
| National General | $86 |
| Liberty Mutual | $89 |
| Travelers | $92 |
| Farmers | $96 |
| Insurify Car | $116 |
| State Auto | $133 |
Disclaimer: Table data sourced from real-time Hamilton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hamilton 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 $125 for full-coverage insurance. The following companies offer the cheapest insurance quotes for full coverage in Hamilton.
The below rates in Hamilton, OH, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $60 |
| State Farm | $67 |
| Auto-Owners | $78 |
| Erie | $78 |
| Progressive | $84 |
| Safeco | $84 |
| GEICO | $85 |
| USAA | $87 |
| American Family | $97 |
| Direct Auto | $99 |
| CSAA | $111 |
| Elephant | $112 |
| AssuranceAmerica | $116 |
| Certainly | $121 |
| The General | $122 |
| National General | $123 |
| Commonwealth Casualty | $131 |
| Root | $136 |
| Allstate | $148 |
| Liberty Mutual | $149 |
| Clearcover | $151 |
| Trexis | $151 |
| Travelers | $160 |
| GAINSCO | $163 |
| Farmers | $164 |
| Bristol West | $168 |
| First Acceptance | $181 |
| Dairyland | $184 |
| Trexis One | $184 |
| State Auto | $226 |
Disclaimer: Table data sourced from real-time Hamilton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hamilton may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Hamilton, Ohio drivers
Recent Hamilton, Ohio car insurance prices for KIA, Nissan, Volkswagen, and more.
*Quotes generated for Insurify users in and around Hamilton, Ohio within the last 10 days. Last updated on July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 8, 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 July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 8, 2026. 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 $156 per month for full-coverage car insurance and $91 for liability-only coverage.
Shop for Car Insurance in Hamilton, OH
Monthly rates start at $46 for drivers with an incident
Excellent
4.7 out of 5 based on 15,664 reviews
Secure. Free. Easy-to-use.
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 $97 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 in Hamilton, OH, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $39 | $51 |
| Progressive | $45 | $60 |
| Commonwealth Casualty | $50 | $61 |
| Auto-Owners | $46 | $62 |
| Erie | $46 | $62 |
| USAA | $50 | $66 |
| GEICO | $50 | $67 |
| Safeco | $52 | $70 |
| Certainly | $54 | $71 |
| The General | $52 | $72 |
| American Family | $55 | $73 |
| Hugo | $61 | $80 |
| Trexis | $61 | $81 |
| AssuranceAmerica | $63 | $83 |
| Trexis One | $66 | $87 |
| First Acceptance | $67 | $89 |
| GAINSCO | $72 | $89 |
| Elephant | $72 | $90 |
| Direct Auto | $72 | $93 |
| Clearcover | $76 | $100 |
| Bristol West | $77 | $100 |
| Root | $83 | $102 |
| Dairyland | $82 | $105 |
| National General | $86 | $110 |
| Allstate | $86 | $115 |
| Liberty Mutual | $89 | $117 |
| Travelers | $92 | $123 |
| Farmers | $96 | $126 |
| Insurify Car | $116 | $154 |
| State Auto | $133 | $181 |
Disclaimer: Table data sourced from real-time Hamilton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hamilton 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 $103 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 in Hamilton, OH, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $39 | $53 |
| Auto-Owners | $46 | $63 |
| Progressive | $45 | $63 |
| Erie | $46 | $64 |
| GEICO | $50 | $68 |
| Commonwealth Casualty | $50 | $68 |
| USAA | $50 | $69 |
| The General | $52 | $74 |
| Safeco | $52 | $75 |
| Certainly | $54 | $76 |
| American Family | $55 | $76 |
| Hugo | $61 | $84 |
| Trexis | $61 | $86 |
| AssuranceAmerica | $63 | $86 |
| Trexis One | $66 | $93 |
| First Acceptance | $67 | $94 |
| GAINSCO | $72 | $95 |
| Elephant | $72 | $97 |
| Direct Auto | $72 | $101 |
| Bristol West | $77 | $105 |
| Root | $83 | $108 |
| Clearcover | $76 | $111 |
| Dairyland | $82 | $112 |
| National General | $86 | $118 |
| Allstate | $86 | $119 |
| Liberty Mutual | $89 | $122 |
| Travelers | $92 | $128 |
| Farmers | $96 | $133 |
| Insurify Car | $116 | $163 |
| State Auto | $133 | $188 |
Disclaimer: Table data sourced from real-time Hamilton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hamilton 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 $105 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 in Hamilton, OH, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With OVI |
|---|---|---|
| State Farm | $39 | $56 |
| Auto-Owners | $46 | $63 |
| Progressive | $45 | $65 |
| Erie | $46 | $66 |
| Commonwealth Casualty | $50 | $70 |
| GEICO | $50 | $72 |
| USAA | $50 | $72 |
| The General | $52 | $73 |
| American Family | $55 | $76 |
| Certainly | $54 | $78 |
| Safeco | $52 | $80 |
| Hugo | $61 | $88 |
| Trexis | $61 | $88 |
| AssuranceAmerica | $63 | $91 |
| Trexis One | $66 | $95 |
| First Acceptance | $67 | $96 |
| Direct Auto | $72 | $103 |
| Elephant | $72 | $103 |
| GAINSCO | $72 | $103 |
| Clearcover | $76 | $106 |
| Bristol West | $77 | $111 |
| Dairyland | $82 | $118 |
| Root | $83 | $119 |
| Allstate | $86 | $124 |
| National General | $86 | $124 |
| Liberty Mutual | $89 | $128 |
| Travelers | $92 | $132 |
| Farmers | $96 | $138 |
| Insurify Car | $116 | $167 |
| State Auto | $133 | $184 |
Disclaimer: Table data sourced from real-time Hamilton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hamilton 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 $63 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 in Hamilton, OH, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Mile Auto | $47 | $30 |
| State Farm | $53 | $31 |
| Erie | $60 | $35 |
| Auto-Owners | $62 | $36 |
| GEICO | $68 | $40 |
| USAA | $71 | $41 |
| Progressive | $73 | $39 |
| Safeco | $73 | $45 |
| American Family | $78 | $44 |
| Direct Auto | $81 | $59 |
| AssuranceAmerica | $91 | $49 |
| Elephant | $91 | $59 |
| National General | $97 | $68 |
| The General | $104 | $44 |
| Certainly | $105 | $47 |
| Commonwealth Casualty | $106 | $40 |
| Allstate | $120 | $70 |
| Liberty Mutual | $124 | $74 |
| Root | $125 | $76 |
| Travelers | $128 | $74 |
| Farmers | $130 | $76 |
| Trexis | $131 | $53 |
| Clearcover | $133 | $67 |
| GAINSCO | $140 | $62 |
| Bristol West | $140 | $64 |
| Dairyland | $156 | $70 |
| First Acceptance | $157 | $58 |
| Trexis One | $159 | $57 |
| State Auto | $171 | $101 |
Disclaimer: Table data sourced from real-time Hamilton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hamilton may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Mile Auto
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 $156 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 in Hamilton, OH, are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $140 | $82 |
| Erie | $155 | $91 |
| GEICO | $167 | $98 |
| Auto-Owners | $170 | $100 |
| USAA | $174 | $100 |
| Progressive | $179 | $96 |
| Safeco | $183 | $114 |
| American Family | $198 | $112 |
| Direct Auto | $208 | $151 |
| Elephant | $219 | $141 |
| Root | $226 | $138 |
| The General | $239 | $102 |
| Certainly | $258 | $115 |
| AssuranceAmerica | $258 | $140 |
| National General | $264 | $185 |
| Commonwealth Casualty | $266 | $102 |
| Clearcover | $271 | $137 |
| Liberty Mutual | $284 | $169 |
| GAINSCO | $313 | $138 |
| Allstate | $314 | $183 |
| Trexis | $322 | $130 |
| Bristol West | $323 | $148 |
| Dairyland | $349 | $156 |
| Farmers | $352 | $206 |
| Travelers | $356 | $205 |
| First Acceptance | $386 | $143 |
| Trexis One | $392 | $141 |
| State Auto | $580 | $341 |
Disclaimer: Table data sourced from real-time Hamilton car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Hamilton 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
Category | Price |
|---|---|
| Excellent | $107 |
| Good | $127 |
| Fair | $139 |
| Poor | $209 |
Is car insurance more expensive in Hamilton?
The average cost of car insurance in Ohio is $117 for full coverage and $64 for liability only. By comparison, Hamilton's average rates are $125 and $73, 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 | $72 | $129 |
| Toledo | $85 | $144 |
| Springfield | $63 | $107 |
| Cleveland | $79 | $149 |
| Cincinnati | $80 | $142 |
Disclaimer: Table data is based on real-time Hamilton quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $73 per month for a liability-only policy and $125 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 $38 per month for liability coverage. State Farm and Progressive also offer low rates, at $39 and $45 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.
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."
Methodology
Insurify data scientists analyzed more than 190 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:
- 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.
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