Cheapest Car Insurance Quotes in Hamburg

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Hamburg Car Insurance

^$ 34

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Hamburg

The car insurance rate in Hamburg is $1130 for a six-month policy, which is $139 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $548, making it a popular choice for budget-conscious drivers. Rates in Hamburg can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Hamburg

$1130

Avg. Car Insurance in Arkansas

$991

National Average

$1278

Cheapest Car Insurance Companies in Hamburg

1st place: AutoOwners Insurance Co

At $548 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $718 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $738 for six months, making it the third cheapest auto insurance company in Hamburg.

Hamburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hamburg, AR is AutoOwners Insurance Co, offering policies at just $548 for a six-month term. This is followed by Travelers, which has an average six-month premium of $718.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1997 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hamburg drivers find the best deals.

Cheap Car Insurance Companies in Hamburg, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$548	$93
Travelers	$718	$121
AAA	$738	$125
Southern Farm Bureau	$792	$133
USAA	$833	$140
Nationwide	$982	$165
State Farm	$995	$168
Shelter	$1002	$169
Farmers	$1320	$222
Farm Bureau	$1327	$221
Auto-Owners	$1354	$228
Allstate	$1591	$268
Alfa	$1632	$277
Progressive	$1997	$336

Key Takeaways

Way's key takeaways about car insurance in Hamburg

The auto insurance costs in Hamburg fall around $548 for six months.
The cheapest auto insurance company in Hamburg is USAA.
Teen drivers pay the highest rate in Hamburg at $1318 per month.

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Cheapest Minimum Liability Car Insurance in Hamburg

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Hamburg are given below.

USAA provides the cheapest minimum car insurance coverage in Hamburg. Their Average 6 Month Premium is $203. Farmers is the most expensive at $738 for the same period.

Cheapest Liability Coverage in Hamburg, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$203	$34
Auto-Owners Insurance Co	$217	$36
State Farm	$258	$43
Travelers	$264	$44
AAA	$271	$46
Southern Farm Bureau	$278	$47
Auto-Owners	$304	$51
Nationwide	$311	$52
Alfa	$325	$55
Shelter	$325	$55
Farm Bureau	$352	$60
Progressive	$359	$60
Allstate	$617	$104
Farmers	$738	$123

Cheapest Full Coverage Car Insurance in Hamburg

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Hamburg is AutoOwners Insurance Co at $93 per month and $548 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hamburg, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$548	$93
Travelers	$718	$121
AAA	$738	$125
Southern Farm Bureau	$792	$133
USAA	$833	$140
Nationwide	$982	$165
State Farm	$995	$168
Shelter	$1002	$169
Farmers	$1320	$222
Farm Bureau	$1327	$221
Auto-Owners	$1354	$228
Allstate	$1591	$268
Alfa	$1632	$277
Progressive	$1997	$336

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Average Car Insurance in Hamburg by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Hamburg, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Hamburg, Arkansas, may be increasing due to several external factors. Arkansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Hamburg's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hamburg

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Hamburg,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Hamburg at $30 per month. At $7753 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$176	$30
Travelers	$291	$49
Auto-Owners Insurance Co	$318	$54
AAA	$339	$57
Southern Farm Bureau	$1191	$201
USAA	$1463	$246
Nationwide	$1605	$270
State Farm	$1971	$332
Farm Bureau	$2363	$401
Alfa	$2533	$422
Shelter	$3027	$510
Auto-Owners	$4321	$720
Progressive	$5715	$962
Allstate	$7144	$1203
Farmers	$7753	$1318

Teen Car Insurance Rates in AR by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Hamburg, Nationwide is the cheapest car insurance provider. At $304 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Hamburg is State Farm, offering rates of around $5613 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$304	$51
Southern Farm Bureau	$332	$56
Home State Ins Group	$339	$58
Travelers	$399	$66
Alfa	$955	$161
Shelter	$1287	$217
USAA	$1347	$229
Progressive	$1679	$283
Farmers	$1889	$318
Farm Bureau	$2350	$392
Allstate	$3312	$563
Auto-Owners	$4720	$787
State Farm	$5613	$954

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Car Insurance Rates with An Accident in Hamburg

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Hamburg, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hamburg

The cheapest car insurance companies after an at-fault accident in Hamburg include Hanover and Travelers, offering $203 and $345, respectively. Allstate is an expensive provider with an average six-month premium of $2980.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$203	$34
Travelers	$345	$58
Auto-Owners Insurance Co	$352	$58
Home State Ins Group	$433	$74
State Farm	$684	$115
USAA	$691	$116
Southern Farm Bureau	$813	$137
Shelter	$1016	$171
Farm Bureau	$1043	$176
Nationwide	$1145	$193
Auto-Owners	$1347	$227
Farmers	$1748	$294
Progressive	$2038	$343
Alfa	$2533	$431
Allstate	$2980	$502

Hamburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hamburg AR. For example, the car insurance in Hamburg after a DUI increases to $765 for a six month policy. While the rate increases by $325 for a six-month policy in the case of a speeding ticket.

Hamburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1354	$226
One Med/PIP claim	$1375	$234
Not-at-fault accident	$1382	$230
One comp claim	$1382	$235
Two Med/PIP claims	$1402	$234
Two comp claims	$1435	$244
Failure to wear a seat belt	$1626	$271
Child safety restraint	$1638	$278
Driving without lights	$1638	$274
Failure to show documents	$1659	$282
Driving with expired registration	$1679	$280
Speeding 6 - 10 MPH over limit	$1679	$285
Driving too slowly	$1686	$282
Speeding 11 - 15 MPH over limit	$1686	$286
Speeding in school zone	$1686	$282
Speeding 16 - 20 MPH over limit	$1693	$288
Failure to stop at a red light	$1700	$283
Failure to yield	$1700	$290
Wrong way/wrong lane	$1707	$284
Cell phone violation	$1713	$292
In 65 MPH zone	$1713	$285
Texting while driving	$1713	$292
Following too closely	$1720	$286
Illegal turn	$1720	$293
Improper passing	$1720	$286
Speeding 21 - 25 MPH over limit	$1753	$299
At-fault accident - less than $1000	$1760	$293
Passing school bus	$1774	$302
Operating a vehicle without permission	$1829	$304
Open container	$1863	$317
At-fault accident - $1000-$2000	$1903	$317
At-fault accident - greater than $2000	$1909	$325
DUI	$2119	$353
Racing	$2119	$360
Refusal to submit to a chemical test	$2119	$353
Reckless driving	$2153	$366
Driving with a suspended license	$2214	$369
Leaving scene of an accident/hit and run	$2255	$383

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Hamburg after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Hamburg.

The cheapest car insurance premiums in Hamburg are offered by Hanover at $217 for a six-month policy. However, it can be as expensive as $2992 with companies like AutoOwners.

Hamburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$217	$36
Home State Ins Group	$366	$60
Travelers	$380	$64
Southern Farm Bureau	$751	$127
Farm Bureau	$975	$164
USAA	$1097	$185
State Farm	$1165	$196
Progressive	$1334	$225
Shelter	$1626	$274
Alfa	$2370	$396
Nationwide	$2485	$423
Allstate	$2600	$438
Farmers	$2959	$503
Auto-Owners	$2992	$499

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Hamburg are offered by Hanover at $189. However, it can be as expensive as $2377 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hamburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$189	$32
Southern Farm Bureau	$203	$34
Auto-Owners Insurance Co	$251	$42
Nationwide	$278	$47
Travelers	$332	$56
Home State Ins Group	$352	$60
State Farm	$718	$121
USAA	$907	$154
Shelter	$1327	$221
Progressive	$1334	$225
Farm Bureau	$1428	$238
Auto-Owners	$1612	$274
Farmers	$1700	$286
Alfa	$2322	$394
Allstate	$2377	$396

Car Insurance Price Trends in Hamburg, Arkansas

Car insurance rates in Hamburg have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Hamburg rose by $243 in January compared to $226 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Hamburg rose to $54 in January, compared to $52 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hamburg?

The car insurance in Hamburg is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Hamburg?

The cheapest car insurance in Hamburg is $93 per month for full coverage.

How much is car insurance in Hamburg for teenagers?

Car insurance for teenagers costs $176 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Hamburg?

The average cost of car insurance is $991 for a six-month policy. It will cost around $190 per month to insure your car in Hamburg.

Is car insurance expensive in Hamburg?

Car insurance can be expensive in Hamburg if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hamburg can be affordable.

Cheapest Car Insurance Quotes in Hamburg

Why you can trust Way?

How Much Is Car Insurance in Hamburg

Avg. Car Insurance in Hamburg

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Hamburg

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Hamburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Hamburg, AR

Way's key takeaways about car insurance in Hamburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hamburg

Cheapest Liability Coverage in Hamburg, AR

Cheapest Full Coverage Car Insurance in Hamburg

Cheapest Full Coverage Car Insurance Quotes in Hamburg, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hamburg by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Hamburg, AR increasing?

Car Insurance Premiums by Age in Hamburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hamburg,AR

If you are in your twenties N/A is the best choice for car insurance in Hamburg.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Hamburg

Cheapest Car Insurance Companies after an At-Fault Accident in Hamburg

Hamburg Car Insurance Rates by Violation

Hamburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hamburg after a DUI

Hamburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hamburg after Speeding ticket

Car Insurance Price Trends in Hamburg, Arkansas

Average Car Insurance Cost in Hamburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hamburg, AR

Car Insurance Rates by State in the USA (2025 Update)

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