Cheapest Car Insurance Quotes in Hampton

Finding the cheapest car insurance quotes in Hampton shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Hampton Car Insurance

^$ 51

/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 Hampton

The car insurance rate in Hampton is $1443 for a six-month policy, which is $390 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $512, making it a popular choice for budget-conscious drivers. Rates in Hampton 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 Hampton

$1443

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Hampton

1st place: Country Financial

At $512 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $675 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $993 for six months, making it the third cheapest auto insurance company in Hampton.

Hampton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hampton, GA is Country Financial, offering policies at just $512 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $675.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2319 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hampton drivers find the best deals.

Cheap Car Insurance Companies in Hampton, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$512	$85
Auto-Owners Insurance Co	$675	$115
Georgia Farm Bureau	$993	$166
Farm Bureau	$1091	$185
Auto-Owners	$1530	$258
USAA	$1530	$258
Progressive	$1578	$266
Mercury	$1823	$310
Allstate	$1863	$314
Esurance P&C Ins Co	$1962	$333
State Farm	$2319	$390

Key Takeaways

Way's key takeaways about car insurance in Hampton

The auto insurance costs in Hampton fall around $512 for six months.
The cheapest auto insurance company in Hampton is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Hampton at $1391 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hampton

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 Hampton are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Hampton. Their Average 6 Month Premium is $301. State Farm is the most expensive at $1066 for the same period.

Cheapest Liability Coverage in Hampton, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$301	$51
Georgia Farm Bureau	$407	$69
Farm Bureau	$448	$77
Mercury	$488	$82
Auto-Owners	$504	$85
Country Financial	$521	$88
USAA	$562	$95
Progressive	$570	$96
Central Insurance	$634	$108
Allstate	$919	$153
State Farm	$1066	$179

Cheapest Full Coverage Car Insurance in Hampton

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 Hampton is Country Financial at $85 per month and $512 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hampton, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$512	$85
Auto-Owners Insurance Co	$675	$115
Georgia Farm Bureau	$993	$166
Farm Bureau	$1091	$185
Auto-Owners	$1530	$258
USAA	$1530	$258
Progressive	$1578	$266
Mercury	$1823	$310
Allstate	$1863	$314
Esurance P&C Ins Co	$1962	$333
State Farm	$2319	$390

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Hampton Instantly!

Average Car Insurance in Hampton 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 Hampton, GA increasing?

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

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

Car Insurance Premiums by Age in Hampton

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Hampton,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Hampton at $71 per month. At $8260 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$432	$71
Mercury	$512	$88
Country Financial	$611	$103
Central Insurance	$634	$108
USAA	$2530	$426
Georgia Farm Bureau	$2759	$469
Auto-Owners	$2929	$493
Farm Bureau	$3507	$596
Allstate	$6477	$1080
Progressive	$8260	$1391
State Farm	$8260	$1391

Teen Car Insurance Rates in GA 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 Hampton, Country Financial is the cheapest car insurance provider. At $423 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 Hampton is Allstate, offering rates of around $3466 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$423	$70
Mercury	$496	$85
Farm Bureau	$1091	$182
Progressive	$2067	$352
USAA	$2206	$367
Auto-Owners	$4020	$684
State Farm	$8871	$1478
Allstate	$3466	$578

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Hampton

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 Hampton, GA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Hampton include AutoOwners Insurance Co and Country Financial, offering $448 and $692, respectively. State Farm is an expensive provider with an average six-month premium of $2840.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$448	$74
Country Financial	$692	$116
Encompass	$764	$127
Central Insurance	$838	$142
Farm Bureau	$1196	$200
Georgia Farm Bureau	$1221	$208
Auto-Owners	$1351	$227
USAA	$1375	$232
Progressive	$1962	$330
Allstate	$2596	$441
State Farm	$2840	$478

Hampton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hampton GA. For example, the car insurance in Hampton after a DUI increases to $1481 for a six month policy. While the rate increases by $465 for a six-month policy in the case of a speeding ticket.

Hampton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1741	$290
One Med/PIP claim	$1741	$296
One comp claim	$1749	$292
Two Med/PIP claims	$1749	$297
Not-at-fault accident	$1758	$293
Two comp claims	$1782	$303
Driving without lights	$2100	$349
Failure to wear a seat belt	$2100	$358
Child safety restraint	$2124	$353
Failure to show documents	$2124	$362
Cell phone violation	$2173	$362
Texting while driving	$2173	$370
Driving too slowly	$2206	$367
Speeding 6 - 10 MPH over limit	$2206	$375
Speeding in school zone	$2206	$367
Speeding 11 - 15 MPH over limit	$2214	$377
Driving with expired registration	$2222	$370
Failure to yield	$2222	$378
Following too closely	$2222	$370
Illegal turn	$2222	$378
Failure to stop at a red light	$2230	$371
Improper passing	$2230	$379
Speeding 16 - 20 MPH over limit	$2230	$371
Wrong way/wrong lane	$2230	$379
Speeding 21 - 25 MPH over limit	$2254	$375
Passing school bus	$2295	$390
In 65 MPH zone	$2303	$384
Open container	$2336	$397
At-fault accident - less than $1000	$2344	$390
Operating a vehicle without permission	$2376	$404
At-fault accident - $1000-$2000	$2555	$426
At-fault accident - greater than $2000	$2571	$437
Refusal to submit to a chemical test	$3011	$501
Reckless driving	$3100	$527
Racing	$3174	$529
Driving with a suspended license	$3183	$541
DUI	$3222	$537
Leaving scene of an accident/hit and run	$3304	$562

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Hampton 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 Hampton.

The cheapest car insurance premiums in Hampton are offered by Mercury at $521 for a six-month policy. However, it can be as expensive as $2637 with companies like State Farm.

Hampton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$521	$89
Auto-Owners Insurance Co	$675	$112
Country Financial	$733	$123
Esurance P&C Ins Co	$1010	$169
Allstate	$1660	$282
Auto-Owners	$1815	$306
Georgia Farm Bureau	$1962	$333
Progressive	$1969	$332
USAA	$2002	$337
Farm Bureau	$2124	$353
State Farm	$2637	$444

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 Hampton are offered by AutoOwners Insurance Co at $349. However, it can be as expensive as $2344 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hampton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$349	$59
Country Financial	$382	$64
Mercury	$545	$90
Farm Bureau	$1196	$203
USAA	$1506	$251
Auto-Owners	$1547	$263
Progressive	$1628	$271
State Farm	$2491	$423
Allstate	$2344	$390

Car Insurance Price Trends in Hampton, Georgia

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

The average cost of full coverage in the Hampton dipped by $293 in January compared to $308 of December. In other words, there has been an decrease by $15 when you compare January and December.

The average cost of liability insurance in the Hampton dipped to $97 in January, compared to $99 in December. This represents an decrease of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Hampton?

The car insurance in Hampton is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Hampton?

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

How much is car insurance in Hampton for teenagers?

Car insurance for teenagers costs $432 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 Hampton?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $242 per month to insure your car in Hampton.

Is car insurance expensive in Hampton?

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

Cheapest Car Insurance Quotes in Hampton

Why you can trust Way?

How Much Is Car Insurance in Hampton

Avg. Car Insurance in Hampton

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Hampton

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Hampton Car Insurance Rates by Company

Cheap Car Insurance Companies in Hampton, GA

Way's key takeaways about car insurance in Hampton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hampton

Cheapest Liability Coverage in Hampton, GA

Cheapest Full Coverage Car Insurance in Hampton

Cheapest Full Coverage Car Insurance Quotes in Hampton, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hampton by Rating Factor

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

Car Insurance Premiums by Age in Hampton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hampton,GA

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

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 Hampton

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

Hampton Car Insurance Rates by Violation

Hampton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hampton after a DUI

Hampton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hampton after Speeding ticket

Car Insurance Price Trends in Hampton, Georgia

Average Car Insurance Cost in Hampton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hampton, GA

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

Featured Blogs

Data Sources