Best Cheap Auto Insurance in Hamilton, MI (2021)

The average Hamilton, MI auto insurance rates are $776 per month. The minimum auto insurance in Hamilton is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Hamilton, Michigan, 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 cheapest auto insurance company in Hamilton is USAA
  • Average auto insurance rates in Hamilton, MI for senior drivers are $6,182 per year
  • The minimum auto insurance required in Hamilton, Michigan is 20/40/10

Hamilton, Michigan auto insurance requirements are 20/40/10 according to Michigan 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Hamilton to other Michigan cities, including Troy auto insurance rates, Lansing auto insurance rates, and Warren auto insurance rates to see how Hamilton, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Hamilton, Michigan

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

Minimum Required Auto Insurance Coverage in Hamilton, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Hamilton, Michigan 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, Michigan

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 $16,940 $16,940 $15,752 $15,752 $41,903 $41,903 $17,843 $17,843
Farmers $4,032 $4,032 $3,765 $3,765 $8,879 $8,879 $4,530 $4,530
GEICO $3,822 $3,822 $3,909 $3,909 $10,874 $10,874 $3,657 $3,657
Liberty Mutual $14,212 $14,212 $14,072 $14,072 $33,292 $33,292 $14,212 $14,212
Nationwide $4,147 $4,147 $3,680 $3,680 $11,181 $11,181 $4,558 $4,558
Progressive $2,731 $2,545 $2,419 $2,691 $9,970 $10,642 $3,174 $2,948
State Farm $6,152 $6,152 $5,696 $5,696 $21,540 $21,540 $7,228 $7,228
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,567 $2,446 $2,410 $2,284 $6,416 $6,151 $3,152 $3,047

Cheap Hamilton, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hamilton, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,903 $41,903
Farmers $8,879 $8,879
GEICO $10,874 $10,874
Liberty Mutual $33,292 $33,292
Nationwide $11,181 $11,181
Progressive $9,970 $10,642
State Farm $21,540 $21,540
Travelers $13,395 $13,395
USAA $6,416 $6,151

Cheap Hamilton, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hamilton, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,752 $15,752
Farmers $3,765 $3,765
GEICO $3,909 $3,909
Liberty Mutual $14,072 $14,072
Nationwide $3,680 $3,680
Progressive $2,419 $2,691
State Farm $5,696 $5,696
Travelers $3,858 $3,858
USAA $2,410 $2,284

Cheap Hamilton, Michigan 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, Michigan compared to the annual auto insurance rates with a clean record in Hamilton, Michigan.

Annual Hamilton, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,198 $14,985 $50,539 $15,716
Farmers $4,458 $5,672 $5,603 $5,473
GEICO $1,945 $4,144 $12,561 $3,612
Liberty Mutual $13,116 $15,937 $29,856 $16,880
Nationwide $5,052 $6,718 $6,115 $5,681
Progressive $3,948 $5,161 $4,639 $4,812
State Farm $6,447 $7,736 $16,761 $9,670
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,862 $3,570 $4,682 $3,122

Cheap Hamilton, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hamilton, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $50,539
Farmers $5,603
GEICO $12,561
Liberty Mutual $29,856
Nationwide $6,115
Progressive $4,639
State Farm $16,761
Travelers $10,331
USAA $4,682

Cheap Hamilton, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hamilton, Michigan

Insurance Company Poor Fair Good
Allstate $35,105 $19,421 $14,802
Farmers $7,016 $4,623 $4,264
GEICO $7,154 $5,261 $4,282
Liberty Mutual $29,969 $17,310 $9,563
Nationwide $7,354 $5,572 $4,748
Progressive $5,342 $4,508 $4,070
State Farm $16,451 $8,338 $5,672
Travelers $6,813 $6,608 $6,525
USAA $5,326 $3,032 $2,319

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Cheap Hamilton, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hamilton, Michigan

ZIP Code Average Annual Rates
49419 $6,510

Cheap Hamilton, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hamilton, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $23,110 $23,110
Farmers $5,301 $5,301
GEICO $5,440 $5,691
Liberty Mutual $18,299 $19,596
Nationwide $5,892 $5,892
Progressive $4,640 $4,640
State Farm $9,890 $10,418
Travelers $6,611 $6,686
USAA $3,519 $3,599

Cheap Hamilton, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hamilton, Michigan

Insurance Company Low Medium High
Allstate $22,462 $23,168 $23,699
Farmers $5,179 $5,291 $5,435
GEICO $5,217 $5,517 $5,962
Liberty Mutual $18,547 $18,909 $19,386
Nationwide $6,173 $5,789 $5,713
Progressive $4,518 $4,645 $4,757
State Farm $9,691 $10,211 $10,560
Travelers $6,575 $6,656 $6,715
USAA $3,459 $3,567 $3,651

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Best By Category: Cheapest Auto Insurance in Hamilton, Michigan

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

Best Annual Auto Insurance Rates by Company in Hamilton, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

The Cheapest Hamilton, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hamilton, Michigan

Insurance Company Average Annual Rates
Allstate $23,110
Farmers $5,301
GEICO $5,565
Liberty Mutual $18,947
Nationwide $5,892
Progressive $4,640
State Farm $10,154
Travelers $6,649
USAA $3,559

What affects auto insurance rates in Hamilton, Michigan?

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

Hamilton Traffic

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

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Compare Hamilton, Michigan Auto Insurance Quotes

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