Best Cheap Auto Insurance in Hamilton, CO (2021)

The average Hamilton, CO auto insurance rates are $319 per month. The minimum auto insurance in Hamilton is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Hamilton, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Hamilton for teen drivers is Allstate
  • Average auto insurance rates in Hamilton, CO for senior drivers are $2,242 per year
  • The minimum auto insurance required in Hamilton, Colorado is 25/50/15

Hamilton, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Hamilton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hamilton, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Hamilton to other Colorado cities, including Arvada auto insurance rates, Westminster auto insurance rates, and Pueblo auto insurance rates to see how Hamilton, Colorado auto insurance rates stack up.

Before you buy Hamilton, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hamilton, Colorado auto insurance quotes.

Minimum Auto Insurance in Hamilton, Colorado

Hamilton, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hamilton, Colorado.

Minimum Required Auto Insurance Coverage in Hamilton, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Hamilton, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hamilton, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hamilton, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,710 $3,464 $3,322 $3,360 $13,006 $13,663 $4,103 $4,138
American Family $2,508 $2,508 $2,263 $2,263 $6,096 $8,166 $2,508 $3,089
Farmers $2,948 $2,921 $2,670 $2,864 $10,965 $11,064 $3,259 $3,320
GEICO $1,667 $1,820 $1,727 $1,930 $5,193 $5,544 $1,535 $1,584
Liberty Mutual $1,905 $1,891 $1,594 $1,748 $5,483 $6,001 $1,936 $1,994
Nationwide $2,136 $2,180 $1,910 $2,023 $5,311 $6,809 $2,446 $2,645
Progressive $2,724 $2,548 $2,329 $2,329 $9,117 $10,228 $3,091 $3,017
State Farm $1,978 $1,978 $1,763 $1,763 $5,566 $7,054 $2,209 $2,625
USAA $2,365 $2,377 $2,237 $2,259 $5,838 $6,706 $3,052 $3,342

Cheap Hamilton, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Hamilton, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Hamilton, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Hamilton, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,006 $13,663
American Family $6,096 $8,166
Farmers $10,965 $11,064
GEICO $5,193 $5,544
Liberty Mutual $5,483 $6,001
Nationwide $5,311 $6,809
Progressive $9,117 $10,228
State Farm $5,566 $7,054
USAA $5,838 $6,706

Cheap Hamilton, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Hamilton, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Hamilton, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,322 $3,360
American Family $2,263 $2,263
Farmers $2,670 $2,864
GEICO $1,727 $1,930
Liberty Mutual $1,594 $1,748
Nationwide $1,910 $2,023
Progressive $2,329 $2,329
State Farm $1,763 $1,763
USAA $2,237 $2,259

Cheap Hamilton, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hamilton, Colorado compared to the annual auto insurance rates with a clean record in Hamilton, Colorado.

Annual Hamilton, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,181 $5,968 $7,345 $5,888
American Family $2,716 $3,857 $5,047 $3,081
Farmers $4,223 $5,421 $5,348 $5,013
GEICO $1,867 $2,870 $3,323 $2,441
Liberty Mutual $2,461 $2,883 $3,015 $2,916
Nationwide $2,447 $3,344 $4,245 $2,694
Progressive $3,841 $5,305 $4,056 $4,490
State Farm $2,877 $3,356 $3,117 $3,117
USAA $2,573 $3,128 $5,481 $2,905

Cheap Hamilton, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Hamilton, Colorado is not easy. Compare the annual rates for DUI auto insurance in Hamilton, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Hamilton, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,345
American Family $5,047
Farmers $5,348
GEICO $3,323
Liberty Mutual $3,015
Nationwide $4,245
Progressive $4,056
State Farm $3,117
USAA $5,481

Cheap Hamilton, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Hamilton, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Hamilton, Colorado

Insurance Company Poor Fair Good
Allstate $7,775 $5,991 $4,520
American Family $4,787 $3,396 $2,842
Farmers $5,802 $4,718 $4,484
GEICO $3,152 $2,625 $2,099
Liberty Mutual $4,044 $2,454 $1,958
Nationwide $3,849 $3,043 $2,656
Progressive $5,038 $4,291 $3,939
State Farm $4,331 $2,780 $2,239
USAA $5,236 $2,963 $2,367

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Cheap Hamilton, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Hamilton, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Hamilton, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Hamilton, Colorado

ZIP Code Average Annual Rates
81638 $3,530

Cheap Hamilton, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Hamilton, Colorado auto insurance. Find the cheapest annual Hamilton, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Hamilton, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,096 $6,096
American Family $3,597 $3,754
Farmers $5,001 $5,001
GEICO $2,571 $2,680
Liberty Mutual $2,819 $2,819
Nationwide $3,183 $3,183
Progressive $4,423 $4,423
State Farm $3,042 $3,191
USAA $3,421 $3,623

Cheap Hamilton, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hamilton, Colorado? Check out the comparison of annual Hamilton, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Hamilton, Colorado

Insurance Company Low Medium High
Allstate $5,816 $6,078 $6,392
American Family $3,521 $3,751 $3,754
Farmers $4,466 $4,941 $5,597
GEICO $2,439 $2,594 $2,843
Liberty Mutual $2,694 $2,811 $2,951
Nationwide $3,211 $3,180 $3,156
Progressive $4,171 $4,433 $4,665
State Farm $2,944 $3,117 $3,290
USAA $3,387 $3,522 $3,658

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Best By Category: Cheapest Auto Insurance in Hamilton, Colorado

Compare the cheapest auto insurance companies in Hamilton, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Hamilton, Colorado

Category Insurance Company
Teenagers GEICO
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

The Cheapest Hamilton, Colorado Auto Insurance Companies

What auto insurance companies in Hamilton, Colorado are the cheapest? Compare the top Hamilton, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Hamilton, Colorado

Insurance Company Average Annual Rates
Allstate $6,096
American Family $3,675
Farmers $5,001
GEICO $2,625
Liberty Mutual $2,819
Nationwide $3,183
Progressive $4,423
State Farm $3,117
USAA $3,522

What affects auto insurance rates in Hamilton, Colorado?

There are a lot of reasons why auto insurance rates in Hamilton, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hamilton, Colorado. Many local factors may affect your Hamilton auto insurance rates.

Hamilton Traffic

How does Hamilton, Colorado rank for traffic? According to Inrix Hamilton, Colorado is the 263rd most congested worldwide.

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Compare Hamilton, Colorado Auto Insurance Quotes

Before you buy Hamilton, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hamilton, Colorado auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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