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Cheap Auto Insurance Quotes in Hamilton, OH (January 2022)

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Last Updated: January 2022
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Car Insurance in Hamilton, OH

The average cost of Ohio car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Hamilton, OH to find you the cheapest quotes in the area.
$33
$70
$75
$97
$132
ProgressiveState FarmGEICOTravelersNationwide

Cheapest Car Insurance in Hamilton, OH

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$113
$100
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$113
$104
OhioColumbusClevelandCincinnatiToledoHamilton
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Hamilton, OH Driving Facts

ohio

Minimum Car Insurance Requirements in OH

Liability insurance comprised of bodily injury liability and property damage liability, is mandatory coverage for all drivers in the state of Ohio.

According to the Bureau of Motor Vehicles (BMV), proof of insurance must be carried in the vehicle and shown at traffic stops, vehicle inspections, and accident scenes. Minimum coverages for car insurance in the state of Ohio are:

  • $25,000 for bodily injury liability of one person 
  • $50,000 for bodily injury liability of two or more people
  • $25,000 for property damage liability in an accident

Ohioans are so invested in their residents purchasing liability insurance that its government has any driver applying for a driver’s license sign a document that affirms auto insurance coverage and knowledge of the penalties of driving uninsured.

Insurify Insights: How Hamilton Drivers Measure Up

ford
Ford Escape
Most Popular Car in
Hamilton, OH
suspended licenses
#5
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Hamilton drivers measure up to their fellow Ohio motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Hamilton

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hamilton drivers rank 4 in the number of car accidents per driver across all cities in Ohio.

  • Rank within state: #4
  • Percent of drivers in Hamilton with an accident: 15.42%
  • Drivers in Hamilton, OH with an accident in their driving history paid on average 62.02% more than drivers with a clean record

Speeding in Hamilton

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Ohio, Hamilton drivers rank 25 in the number of speeding infractions per driver.

  • Rank within state: #25
  • Percent of drivers in Hamilton with a speeding ticket: 12.14%
  • Drivers in Hamilton, OH with a speeding ticket in their driving history paid on average 51.16% more than drivers with a clean record

DUI/DWIs in Hamilton

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hamilton drivers rank 16 in the number of DUI’s per driver across all cities in Ohio.

  • Rank within state: #16
  • Percent of drivers in Hamilton with a DUI: 3%
  • Drivers in Hamilton, OH with a DUI in their driving history paid on average 10.08% more than drivers with a clean record

Most Popular Vehicle in Hamilton

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hamilton is the Ford Escape.

Rude Drivers in Hamilton

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Ohio, Hamilton drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Hamilton with a reckless driving violation: 3.82%
  • Drivers in Hamilton, OH with a reckless driving violation in their driving history paid on average 20.93% more than drivers with a clean record.

Safest Drivers in Hamilton

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Hamilton drivers rank 1 in clean driving records across all cities in Ohio.

  • Rank within state: #1
  • Percent of drivers in Hamilton with clean record: 74.35%

Failure to Yield the Right of Way in Hamilton

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hamilton drivers rank 2 in failure to yield violations per driver across all cities in Ohio.

  • Rank within state: #2
  • Percent of drivers in Hamilton with a failure to yield violation: 1.36%
  • Drivers in Hamilton, OH with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Hamilton

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Ohio, Hamilton drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Hamilton with a reckless driving offense: 0.27%

Hybrid/Electric Vehicle Ownership in Hamilton

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hamilton drivers rank 20 in hybrid and electric vehicle ownership across all cities in Ohio.

  • Rank within state: #20
  • Percent of drivers in Hamilton with a hybrid/electric vehicle: 0.2%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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