Cheapest Auto Insurance in Hamilton, Ohio (2025)

Hamilton drivers pay an overall monthly average of $101 for car insurance, which is slightly higher than the Ohio average of $96. 

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.

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.

Best insurer for rideshare drivers: State Farm

Best insurer for low-mileage drivers: Mile Auto

Best insurer for discounts: American Family

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.6

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.

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 $77 per month. The companies listed below offer the cheapest car insurance policies for drivers looking for liability-only coverage in Hamilton.

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.

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:1

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:

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 $148 per month for full-coverage car insurance and $91 for liability-only coverage.

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 $96 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.

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 $99 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.

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 $124 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.

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 $64 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.

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 $164 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.

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.

Is car insurance more expensive in Hamilton?

The average cost of car insurance in Ohio is $121 for full coverage and $71 for liability only. By comparison, Hamilton's average rates are $125 and $77, 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.