Cheapest Car Insurance Quotes in Hampton

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Hampton Car Insurance

^$ 15

/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 $869 for a six-month policy, which is $65 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $248, 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

$869

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Hampton

1st place: American National P&C

At $248 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $381 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National

American National offers auto insurance rates at $481 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, NE is American National P&C, offering policies at just $248 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $381.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $939 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, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$248	$42
Auto-Owners Insurance Co	$381	$63
American National	$481	$81
Farmers Mutual of Nebraska	$519	$87
Shelter	$530	$90
IMT Insurance Company	$541	$90
Auto-Owners	$757	$127
USAA	$834	$140
Farmers	$884	$151
Progressive	$911	$153
State Farm	$989	$166
North Star Mutual	$1171	$195
Allstate	$1375	$232
Farm Bureau	$1663	$277
Nationwide	$1680	$286
American Family	$939	$156

Key Takeaways

Way's key takeaways about car insurance in Hampton

The auto insurance costs in Hampton fall around $248 for six months.
The cheapest auto insurance company in Hampton is American National P&C.
Teen drivers pay the highest rate in Hampton at $381 per month.

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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.

American National P&C provides the cheapest minimum car insurance coverage in Hampton. Their Average 6 Month Premium is $88. North Star Mutual Insurance is the most expensive at $149 for the same period.

Cheapest Liability Coverage in Hampton, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$88	$15
American National	$94	$16
Farmers Mutual of Nebraska	$139	$23
North Star Mutual	$171	$29
Auto-Owners Insurance Co	$182	$31
Farmers	$188	$32
IMT Insurance	$193	$33
Progressive	$193	$33
USAA	$193	$33
Auto-Owners	$205	$34
Iowa Farm Bureau	$221	$37
Shelter	$227	$38
State Farm	$227	$38
Farm Bureau	$315	$54
Allstate	$436	$73
Nationwide	$564	$96
American Family	$271	$46
North Star Mutual Insurance	$149	$25

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 American National P&C at $42 per month and $248 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hampton, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$248	$42
Auto-Owners Insurance Co	$381	$63
American National	$481	$81
Farmers Mutual of Nebraska	$519	$87
Shelter	$530	$90
IMT Insurance Company	$541	$90
Auto-Owners	$757	$127
USAA	$834	$140
Farmers	$884	$151
Progressive	$911	$153
State Farm	$989	$166
North Star Mutual	$1171	$195
Allstate	$1375	$232
Farm Bureau	$1663	$277
Nationwide	$1680	$286
American Family	$939	$156

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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, NE increasing?

Despite maintaining a clean driving record, your car insurance rates in Hampton, Nebraska, may be increasing due to several external factors. Nebraska 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$660
30s	USAA	$512
40s	USAA	$456
50s	USAA	$435
60s	USAA	$435
70s	USAA	$507

Cheapest Car Insurance Rates for Teen Drivers in Hampton,NE

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Hampton at $18 per month. At $2243 for a six-month premium, American Family offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$105	$18
Farmers	$171	$29
North Star Mutual Insurance	$232	$39
Iowa Farm Bureau	$248	$42
Auto-Owners Insurance Co	$254	$43
Farmers Mutual of Nebraska	$845	$142
American National	$1060	$180
USAA	$1270	$214
Auto-Owners	$1911	$322
State Farm	$2027	$341
Progressive	$2066	$348
Allstate	$3016	$508
Farm Bureau	$3635	$618
Nationwide	$5712	$952
American Family	$2243	$381

Teen Car Insurance Rates in NE by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Hampton.

As young drivers face the highest rates in Hampton, Farm Bureau Mutual offers the cheapest auto insurance rates at $660 for six months.

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, American National P&C is the cheapest car insurance provider. At $310 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 American Family, offering rates of around $1608 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$310	$51
IMT Insurance Company	$348	$60
Shelter	$370	$61
Iowa Farm Bureau	$431	$73
Farmers Mutual of Nebraska	$575	$97
Progressive	$956	$161
USAA	$1193	$199
Auto-Owners	$2127	$362
Allstate	$2138	$356
Nationwide	$2353	$400
Farm Bureau	$3099	$516
State Farm	$4989	$848
American Family	$1608	$268

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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, NE, 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 American National P&C and Farmers, offering $127 and $205, respectively. American Family is an expensive provider with an average six-month premium of $1127.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$127	$21
Farmers	$205	$34
Auto-Owners Insurance Co	$210	$35
North Star Mutual	$299	$51
Iowa Farm Bureau	$342	$57
North Star Mutual Insurance	$398	$68
American National	$541	$90
Farmers Mutual of Nebraska	$547	$92
Auto-Owners	$635	$107
USAA	$635	$107
State Farm	$674	$113
Progressive	$906	$153
Allstate	$2050	$345
Farm Bureau	$2646	$450
Nationwide	$2723	$454
American Family	$1127	$188

Hampton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hampton NE. For example, the car insurance in Hampton after a DUI increases to $889 for a six month policy. While the rate increases by $177 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	$945	$157
One Med/PIP claim	$945	$161
Not-at-fault accident	$1028	$171
Driving without lights	$1050	$179
Failure to show documents	$1050	$175
Driving with expired registration	$1060	$180
Failure to wear a seat belt	$1060	$177
Two Med/PIP claims	$1066	$181
Cell phone violation	$1071	$179
One comp claim	$1071	$182
Texting while driving	$1071	$179
Failure to yield	$1088	$185
Child safety restraint	$1094	$182
Driving too slowly	$1094	$186
Speeding in school zone	$1105	$184
Failure to stop at a red light	$1110	$189
Illegal turn	$1122	$187
Passing school bus	$1122	$191
Speeding 6 - 10 MPH over limit	$1122	$187
Following too closely	$1127	$192
Improper passing	$1138	$190
Speeding 11 - 15 MPH over limit	$1149	$195
Speeding 16 - 20 MPH over limit	$1165	$194
Wrong way/wrong lane	$1188	$202
Speeding 21 - 25 MPH over limit	$1199	$200
Operating a vehicle without permission	$1259	$214
In 65 MPH zone	$1276	$213
Two comp claims	$1287	$219
Open container	$1321	$220
At-fault accident - less than $1000	$1353	$230
At-fault accident - $1000-$2000	$1475	$246
At-fault accident - greater than $2000	$1475	$251
Reckless driving	$1674	$279
Driving with a suspended license	$1729	$294
Refusal to submit to a chemical test	$1785	$298
DUI	$1834	$312
Leaving scene of an accident/hit and run	$1862	$311
Racing	$1867	$317

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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 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 American National P&C at $143 for a six-month policy. However, it can be as expensive as $939 with companies like American Family.

Hampton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$143	$24
Farmers	$337	$56
IMT Insurance Company	$415	$71
Auto-Owners Insurance Co	$447	$74
Iowa Farm Bureau	$453	$77
Shelter	$503	$84
American National	$580	$99
Progressive	$718	$121
Farmers Mutual of Nebraska	$862	$145
USAA	$1127	$190
State Farm	$1149	$193
Auto-Owners	$1176	$198
Farm Bureau	$1193	$201
Allstate	$1718	$289
Nationwide	$3729	$634
American Family	$939	$160

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 American National P&C at $111. However, it can be as expensive as $1039 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Hampton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$111	$19
Auto-Owners Insurance Co	$237	$40
IMT Insurance Company	$276	$47
Iowa Farm Bureau	$282	$47
Farmers Mutual of Nebraska	$447	$75
State Farm	$630	$106
Auto-Owners	$718	$122
Progressive	$845	$142
USAA	$868	$148
Allstate	$1524	$254
Farm Bureau	$1994	$339
Nationwide	$2249	$375
American Family	$1039	$177

Car Insurance Price Trends in Hampton, Nebraska

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 rose by $174 in December compared to $153 of November. In other words, there has been an increase by $21 when you compare December and November.

The average cost of liability insurance in the Hampton rose to $35 in December, compared to $34 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hampton?

The car insurance in Hampton is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Hampton?

The cheapest car insurance in Hampton is $42 per month for full coverage.

How much is car insurance in Hampton for teenagers?

Car insurance for teenagers costs $105 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 $934 for a six-month policy. It will cost around $146 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.

What is the best car insurance in Hampton, NE?

The best car insurance company in Hampton NE is American National P&C, offering $248 for a six-month policy.