Cheapest Car Insurance Quotes in Lake Hamilton

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Lake Hamilton Car Insurance

^$ 30

/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 Lake Hamilton

The car insurance rate in Lake Hamilton is $961 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $500, making it a popular choice for budget-conscious drivers. Rates in Lake Hamilton 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 Lake Hamilton

$961

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Lake Hamilton

1st place: AutoOwners Insurance Co

At $500 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 $655 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $673 for six months, making it the third cheapest auto insurance company in Lake Hamilton.

Lake Hamilton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Hamilton, AR is AutoOwners Insurance Co, offering policies at just $500 for a six-month term. This is followed by Travelers, which has an average six-month premium of $655.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1779 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Hamilton drivers find the best deals.

Cheap Car Insurance Companies in Lake Hamilton, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$500	$85
Travelers	$655	$110
AAA	$673	$114
Southern Farm Bureau	$723	$122
USAA	$735	$124
State Farm	$828	$139
Farm Bureau	$847	$144
Shelter	$908	$153
Nationwide	$964	$162
Auto-Owners	$994	$165
Farmers	$1124	$189
Alfa	$1316	$219
Allstate	$1408	$237
Progressive	$1779	$300

Key Takeaways

Way's key takeaways about car insurance in Lake Hamilton

The auto insurance costs in Lake Hamilton fall around $500 for six months.
The cheapest auto insurance company in Lake Hamilton is USAA.
Teen drivers pay the highest rate in Lake Hamilton at $1063 per month.

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Cheapest Minimum Liability Car Insurance in Lake Hamilton

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 Lake Hamilton are given below.

USAA provides the cheapest minimum car insurance coverage in Lake Hamilton. Their Average 6 Month Premium is $179. Farmers is the most expensive at $618 for the same period.

Cheapest Liability Coverage in Lake Hamilton, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$179	$30
Auto-Owners Insurance Co	$198	$33
State Farm	$223	$37
Auto-Owners	$235	$40
Travelers	$241	$41
AAA	$248	$42
Southern Farm Bureau	$254	$43
Farm Bureau	$259	$44
Alfa	$271	$46
Shelter	$296	$50
Nationwide	$309	$52
Progressive	$328	$55
Allstate	$568	$96
Farmers	$618	$103

Cheapest Full Coverage Car Insurance in Lake Hamilton

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 Lake Hamilton is AutoOwners Insurance Co at $85 per month and $500 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Hamilton, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$500	$85
Travelers	$655	$110
AAA	$673	$114
Southern Farm Bureau	$723	$122
USAA	$735	$124
State Farm	$828	$139
Farm Bureau	$847	$144
Shelter	$908	$153
Nationwide	$964	$162
Auto-Owners	$994	$165
Farmers	$1124	$189
Alfa	$1316	$219
Allstate	$1408	$237
Progressive	$1779	$300

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Average Car Insurance in Lake Hamilton 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 Lake Hamilton, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Hamilton, 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, Lake Hamilton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lake Hamilton

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 Lake Hamilton,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Lake Hamilton at $27 per month. At $6251 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$160	$27
Travelers	$265	$45
Auto-Owners Insurance Co	$290	$49
AAA	$309	$53
Southern Farm Bureau	$1087	$183
USAA	$1254	$211
Farm Bureau	$1649	$275
State Farm	$1681	$283
Alfa	$2051	$342
Nationwide	$2101	$354
Shelter	$2730	$460
Progressive	$5102	$859
Allstate	$6251	$1052
Farmers	$6251	$1063

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 Lake Hamilton, Southern Farm Bureau is the cheapest car insurance provider. At $303 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 Lake Hamilton is State Farm, offering rates of around $4120 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$303	$51
Home State Ins Group	$309	$53
Travelers	$364	$60
Alfa	$784	$132
USAA	$1050	$175
Shelter	$1149	$193
Nationwide	$1162	$196
Progressive	$1483	$250
Farm Bureau	$1532	$256
Farmers	$1544	$260
Allstate	$2824	$470
State Farm	$4120	$701

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Car Insurance Rates with An Accident in Lake Hamilton

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 Lake Hamilton, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Hamilton

The cheapest car insurance companies after an at-fault accident in Lake Hamilton include Hanover and Travelers, offering $185 and $315, respectively. Allstate is an expensive provider with an average six-month premium of $2614.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$185	$31
Travelers	$315	$53
Auto-Owners Insurance Co	$321	$53
Auto-Owners	$376	$64
Home State Ins Group	$395	$66
USAA	$593	$100
State Farm	$612	$103
Farm Bureau	$729	$123
Southern Farm Bureau	$742	$125
Shelter	$920	$155
Farmers	$1427	$240
Nationwide	$1446	$243
Progressive	$1792	$302
Alfa	$2008	$341
Allstate	$2614	$440

Lake Hamilton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Hamilton AR. For example, the car insurance in Lake Hamilton after a DUI increases to $697 for a six month policy. While the rate increases by $296 for a six-month policy in the case of a speeding ticket.

Lake Hamilton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1236	$206
One Med/PIP claim	$1254	$213
Not-at-fault accident	$1260	$210
One comp claim	$1260	$214
Two Med/PIP claims	$1279	$213
Two comp claims	$1309	$223
Failure to wear a seat belt	$1483	$248
Child safety restraint	$1494	$254
Driving without lights	$1494	$250
Failure to show documents	$1513	$257
Driving with expired registration	$1532	$256
Speeding 6 - 10 MPH over limit	$1532	$260
Driving too slowly	$1538	$257
Speeding 11 - 15 MPH over limit	$1538	$261
Speeding in school zone	$1538	$257
Speeding 16 - 20 MPH over limit	$1544	$263
Failure to stop at a red light	$1551	$258
Failure to yield	$1551	$264
Wrong way/wrong lane	$1557	$259
Cell phone violation	$1563	$266
In 65 MPH zone	$1563	$260
Texting while driving	$1563	$266
Following too closely	$1569	$261
Illegal turn	$1569	$267
Improper passing	$1569	$261
Speeding 21 - 25 MPH over limit	$1600	$272
At-fault accident - less than $1000	$1606	$267
Passing school bus	$1618	$276
Operating a vehicle without permission	$1668	$278
Open container	$1699	$289
At-fault accident - $1000-$2000	$1736	$289
At-fault accident - greater than $2000	$1742	$296
DUI	$1933	$322
Racing	$1933	$329
Refusal to submit to a chemical test	$1933	$322
Reckless driving	$1965	$334
Driving with a suspended license	$2020	$337
Leaving scene of an accident/hit and run	$2057	$349

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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 Lake Hamilton 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 Lake Hamilton.

The cheapest car insurance premiums in Lake Hamilton are offered by Hanover at $198 for a six-month policy. However, it can be as expensive as $2631 with companies like Nationwide.

Lake Hamilton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$198	$33
Home State Ins Group	$334	$55
Travelers	$346	$58
State Farm	$649	$109
Farm Bureau	$673	$113
Southern Farm Bureau	$685	$115
USAA	$939	$158
Progressive	$1174	$198
Shelter	$1471	$248
Alfa	$1946	$324
Allstate	$2292	$386
Farmers	$2372	$395
Nationwide	$2631	$443

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 Lake Hamilton are offered by Hanover at $173. However, it can be as expensive as $2026 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Hamilton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$173	$29
Southern Farm Bureau	$185	$31
Auto-Owners Insurance Co	$229	$38
Travelers	$303	$51
Home State Ins Group	$321	$53
State Farm	$580	$98
USAA	$704	$118
Farm Bureau	$920	$156
Nationwide	$1050	$177
Progressive	$1137	$191
Shelter	$1192	$199
Farmers	$1384	$233
Alfa	$1897	$316
Allstate	$2026	$344

Car Insurance Price Trends in Lake Hamilton, Arkansas

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

The average cost of full coverage in the Lake Hamilton remained steady at $206 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lake Hamilton remained steady at $48 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 Lake Hamilton?

The car insurance in Lake Hamilton is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Hamilton?

The cheapest car insurance in Lake Hamilton is $85 per month for full coverage.

How much is car insurance in Lake Hamilton for teenagers?

Car insurance for teenagers costs $160 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 Lake Hamilton?

The average cost of car insurance is $924 for a six-month policy. It will cost around $161 per month to insure your car in Lake Hamilton.

Is car insurance expensive in Lake Hamilton?

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

Cheapest Car Insurance Quotes in Lake Hamilton

Why you can trust Way?

How Much Is Car Insurance in Lake Hamilton

Avg. Car Insurance in Lake Hamilton

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Lake Hamilton

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Lake Hamilton Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Hamilton, AR

Way's key takeaways about car insurance in Lake Hamilton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Hamilton

Cheapest Liability Coverage in Lake Hamilton, AR

Cheapest Full Coverage Car Insurance in Lake Hamilton

Cheapest Full Coverage Car Insurance Quotes in Lake Hamilton, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Hamilton by Rating Factor

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

Car Insurance Premiums by Age in Lake Hamilton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Hamilton,AR

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

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 Lake Hamilton

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Hamilton

Lake Hamilton Car Insurance Rates by Violation

Lake Hamilton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Hamilton after a DUI

Lake Hamilton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Hamilton after Speeding ticket

Car Insurance Price Trends in Lake Hamilton, Arkansas

Average Car Insurance Cost in Lake Hamilton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Hamilton, AR

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

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