Cheapest Car Insurance Quotes in Hamburg

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Hamburg Car Insurance

^$ 32

/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 $1026 for a six-month policy, which is $102 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $534, 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

$1026

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Hamburg

1st place: AutoOwners Insurance Co

At $534 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 $699 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $718 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 $534 for a six-month term. This is followed by Travelers, which has an average six-month premium of $699.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1899 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	$534	$91
Travelers	$699	$118
AAA	$718	$122
Southern Farm Bureau	$771	$130
USAA	$785	$132
State Farm	$884	$149
Farm Bureau	$904	$153
Shelter	$969	$163
Nationwide	$1029	$173
Auto-Owners	$1061	$176
Farmers	$1200	$202
Alfa	$1404	$234
Allstate	$1503	$253
Progressive	$1899	$320

Key Takeaways

Way's key takeaways about car insurance in Hamburg

The auto insurance costs in Hamburg fall around $534 for six months.
The cheapest auto insurance company in Hamburg is USAA.
Teen drivers pay the highest rate in Hamburg at $1134 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 $191. Farmers is the most expensive at $659 for the same period.

Cheapest Liability Coverage in Hamburg, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$191	$32
Auto-Owners Insurance Co	$211	$36
State Farm	$238	$40
Auto-Owners	$251	$42
Travelers	$258	$43
AAA	$264	$44
Southern Farm Bureau	$271	$46
Farm Bureau	$276	$47
Alfa	$290	$49
Shelter	$316	$53
Nationwide	$330	$56
Progressive	$350	$59
Allstate	$606	$102
Farmers	$659	$110

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 $91 per month and $534 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hamburg, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$534	$91
Travelers	$699	$118
AAA	$718	$122
Southern Farm Bureau	$771	$130
USAA	$785	$132
State Farm	$884	$149
Farm Bureau	$904	$153
Shelter	$969	$163
Nationwide	$1029	$173
Auto-Owners	$1061	$176
Farmers	$1200	$202
Alfa	$1404	$234
Allstate	$1503	$253
Progressive	$1899	$320

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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 $29 per month. At $6672 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$171	$29
Travelers	$283	$48
Auto-Owners Insurance Co	$310	$52
AAA	$330	$57
Southern Farm Bureau	$1160	$195
USAA	$1339	$225
Farm Bureau	$1760	$293
State Farm	$1794	$302
Alfa	$2189	$365
Nationwide	$2242	$377
Shelter	$2914	$491
Progressive	$5446	$917
Allstate	$6672	$1123
Farmers	$6672	$1134

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, Southern Farm Bureau is the cheapest car insurance provider. At $323 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 $4398 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$323	$54
Home State Ins Group	$330	$57
Travelers	$389	$64
Alfa	$837	$141
USAA	$1121	$186
Shelter	$1227	$206
Nationwide	$1240	$209
Progressive	$1583	$266
Farm Bureau	$1635	$273
Farmers	$1648	$278
Allstate	$3014	$502
State Farm	$4398	$748

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Save up to $971/yr on car insurance rates in Hamburg.

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 $198 and $336, respectively. Allstate is an expensive provider with an average six-month premium of $2789.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$198	$33
Travelers	$336	$57
Auto-Owners Insurance Co	$343	$57
Auto-Owners	$402	$69
Home State Ins Group	$422	$70
USAA	$633	$107
State Farm	$653	$110
Farm Bureau	$778	$131
Southern Farm Bureau	$791	$133
Shelter	$982	$165
Farmers	$1523	$256
Nationwide	$1543	$260
Progressive	$1913	$322
Alfa	$2143	$364
Allstate	$2789	$470

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 $744 for a six month policy. While the rate increases by $316 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	$1319	$220
One Med/PIP claim	$1339	$228
Not-at-fault accident	$1345	$224
One comp claim	$1345	$229
Two Med/PIP claims	$1365	$228
Two comp claims	$1397	$238
Failure to wear a seat belt	$1583	$264
Child safety restraint	$1595	$271
Driving without lights	$1595	$266
Failure to show documents	$1615	$274
Driving with expired registration	$1635	$273
Speeding 6 - 10 MPH over limit	$1635	$278
Driving too slowly	$1642	$274
Speeding 11 - 15 MPH over limit	$1642	$279
Speeding in school zone	$1642	$274
Speeding 16 - 20 MPH over limit	$1648	$281
Failure to stop at a red light	$1655	$275
Failure to yield	$1655	$282
Wrong way/wrong lane	$1662	$276
Cell phone violation	$1668	$284
In 65 MPH zone	$1668	$278
Texting while driving	$1668	$284
Following too closely	$1675	$279
Illegal turn	$1675	$285
Improper passing	$1675	$279
Speeding 21 - 25 MPH over limit	$1707	$291
At-fault accident - less than $1000	$1714	$285
Passing school bus	$1727	$294
Operating a vehicle without permission	$1780	$296
Open container	$1814	$309
At-fault accident - $1000-$2000	$1853	$309
At-fault accident - greater than $2000	$1859	$316
DUI	$2063	$344
Racing	$2063	$351
Refusal to submit to a chemical test	$2063	$344
Reckless driving	$2097	$356
Driving with a suspended license	$2156	$360
Leaving scene of an accident/hit and run	$2196	$373

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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 $211 for a six-month policy. However, it can be as expensive as $2808 with companies like Nationwide.

Hamburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$211	$36
Home State Ins Group	$356	$59
Travelers	$370	$62
State Farm	$693	$117
Farm Bureau	$718	$121
Southern Farm Bureau	$731	$123
USAA	$1002	$169
Progressive	$1253	$211
Shelter	$1570	$264
Alfa	$2077	$346
Allstate	$2446	$412
Farmers	$2532	$422
Nationwide	$2808	$473

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 $184. However, it can be as expensive as $2162 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	$184	$31
Southern Farm Bureau	$198	$33
Auto-Owners Insurance Co	$244	$41
Travelers	$323	$54
Home State Ins Group	$343	$57
State Farm	$619	$104
USAA	$751	$125
Farm Bureau	$982	$167
Nationwide	$1121	$189
Progressive	$1213	$204
Shelter	$1272	$212
Farmers	$1477	$249
Alfa	$2025	$337
Allstate	$2162	$367

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 remained steady at $220 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hamburg remained steady at $51 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Hamburg?

The car insurance in Hamburg is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Hamburg?

The cheapest car insurance in Hamburg is $91 per month for full coverage.

How much is car insurance in Hamburg for teenagers?

Car insurance for teenagers costs $171 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 $924 for a six-month policy. It will cost around $172 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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Data Sources