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Finding the cheapest car insurance quotes in Hamburg 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.
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 $926 for a six-month policy, which is $103 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $497, 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.
At $497 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: New York Central Mutual Fire
New York Central Mutual Fire offers auto
insurance rates at $658 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $663
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, NY is Kemper, offering policies at just $497 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $658.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1384 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.
Way's key takeaways about car insurance in Hamburg
The auto insurance costs in Hamburg fall around $497 for six
months.
The cheapest auto insurance company in Hamburg is New York Central Mutual Fire.
Teen drivers pay the highest rate in Hamburg at $706 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 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.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in Hamburg. Their Average 6 Month Premium is $235.
Preferred Mutual is the most
expensive at $620 for the same
period.
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 Kemper
at $85 per month and $497
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hamburg,
NY
Get Your Car Insurance Quote in Hamburg
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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, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hamburg, New York, may be increasing due to several external factors.
New York 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
National Grange Mutual
$507
30s
National Grange Mutual
$361
40s
National Grange Mutual
$347
50s
National Grange Mutual
$353
60s
National Grange Mutual
$380
70s
National Grange Mutual
$521
Cheapest Car Insurance Rates for Teen Drivers in
Hamburg,NY
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Hamburg at $56
per
month. At $4191 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties National Grange Mutual is
the best choice for car
insurance in Hamburg.
As young drivers face the highest rates in Hamburg, National Grange Mutual
offers the cheapest auto insurance rates at $507 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 Hamburg,
Chubb is
the cheapest car insurance provider. At $722 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 Progressive, offering
rates of around $4657 for six
months.
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, NY,
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 Kemper
and American Family, offering $417
and $428,
respectively. Preferred Mutual is an expensive provider
with an average six-month premium of
$518.
Here is a list of driving violations that can increase your car
insurance rates in Hamburg NY. For example, the car
insurance in Hamburg
after a DUI increases to $641 for a six
month policy. While the rate increases by $101 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
$1128
$188
One Med/PIP claim
$1128
$192
One comp claim
$1139
$190
Two comp claims
$1149
$195
Two Med/PIP claims
$1149
$192
Not-at-fault accident
$1155
$196
Failure to show documents
$1171
$195
Failure to wear a seat belt
$1176
$200
Driving with expired registration
$1187
$198
At-fault accident - less than $1000
$1193
$203
Cell phone violation
$1193
$199
Child safety restraint
$1193
$203
Driving without lights
$1193
$199
Failure to stop at a red light
$1193
$203
Failure to yield
$1193
$199
Following too closely
$1193
$203
Illegal turn
$1193
$199
Improper passing
$1193
$203
Passing school bus
$1193
$199
Texting while driving
$1193
$203
Wrong way/wrong lane
$1193
$199
Driving too slowly
$1203
$204
Speeding in school zone
$1203
$201
At-fault accident - $1000-$2000
$1208
$205
Speeding 11 - 15 MPH over limit
$1229
$205
Speeding 6 - 10 MPH over limit
$1229
$209
Operating a vehicle without permission
$1251
$209
Open container
$1267
$215
In 65 MPH zone
$1320
$221
Speeding 16 - 20 MPH over limit
$1337
$228
Speeding 21 - 25 MPH over limit
$1384
$230
At-fault accident - greater than $2000
$1491
$254
Reckless driving
$1593
$266
Racing
$1657
$282
Driving with a suspended license
$1716
$286
Refusal to submit to a chemical test
$1753
$298
DUI
$1769
$295
Leaving scene of an accident/hit and run
$1796
$305
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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 American Family at $406 for a six-month policy.
However, it can be as
expensive as $1813 with companies
like State Farm.
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 American Family
at $358. However,
it can be as expensive as $1839
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Hamburg after Speeding ticket
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 dipped by
$222 in December
compared to $223 of November. In other words, there has been an decrease by $1 when you
compare December and November.
The average cost of liability insurance in the Hamburg dipped to $77 in December,
compared to $79 in November.
This represents an decrease of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Hamburg. At $1852 for a
six-month policy, insuring
your car at 14075 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Hamburg?
The car insurance in Hamburg is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Hamburg?
The cheapest car insurance in Hamburg
is $85 per month
for full coverage.
How much is car insurance in Hamburg for teenagers?
Car insurance for teenagers costs $337 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 $1029 for a six-month
policy. It will cost around $156 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.
What is the best car insurance in Hamburg,
NY?
The best car insurance company in Hamburg
NY is
Kemper, offering $497 for a
six-month policy.
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