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Get Cheap Car Insurance in Hamley Run, OH

We monitor insurance prices, helping the average driver in Hamley Run save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Hamley Run

The chart below shows the cheapest car insurance company in Hamley Run for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Safeco Insurance, Travelers, and Mile Auto.

 
Hamley Run Insurer Monthly Cost
State Farm $45
Safeco Insurance $47
Travelers $48
Mile Auto $50

Savings for Every Kind of Hamley Run Driver

The table shows how much the average auto insurance customer in Hamley Run might save by following our recommendations.

Based on our extensive insurance data, we know the average Hamley Run driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $291 per year by choosing the right vehicle insurance company. Some Hamley Run residents are paying out over $1,102 extra every year for auto insurance in Hamley Run. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hamley Run, OH Savings / Yr.
Drivers with good records
$291
Drivers with accidents
$495
Drivers with speeding tickets
$419
Drivers with a DUI conviction
$447
Young drivers
$1,070
Married drivers
$304
Drivers with bad credit
$427

Hamley Run Car Insurance vs. Ohio

People living in Hamley Run pay an average of 1.95% less than the typical driver in the state. The average driver in Hamley Run can expect to pay about $744 per year, or $1,102 for full coverage.

Based on our analysis, Mile Auto will be the cheapest provider in Hamley Run for most people.

Car Insurance Prices by Hamley Run Neighborhood

Hamley Run, OH map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Hamley Run?

The map shows insurance prices in and around Hamley Run, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $53 per year within the city boundaries, with insurance premiums ranging from a high of $1,145 to a low of $1,092. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the East parts of Hamley Run.

Pick the Best Car Insurance Company for You in Hamley Run

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Hamley Run insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Hamley Run

For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $291 over the average Hamley Run car insurance company.

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We use the average good driver, paying $68 per month, as our baseline for pricing in Hamley Run. Mile Auto, Clearcover, and Gainsco are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Hamley Run drivers with accidents on their records

In Hamley Run getting into an accident will raise premiums an average 38% for a yearly cost of $1,775. That's $673 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Gainsco, and Mile Auto are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $495 over the competition.

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The best car insurance company for Hamley Run drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $419 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Hamley Run, tickets raise premiums on new quotes about $475. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Gainsco for savings that beat the average insurance cost of $1,577 per year.

The best auto insurance for Hamley Run drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,627 per year in auto insurance premiums, which was $525 more than a driver with no major issues. Gainsco, Mile Auto, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $447 less each year.

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The least expensive car insurance company for new and young drivers in Hamley Run

In Hamley Run, Geico costs young drivers $1,070 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Hamley Run. With an average cost of $3,855 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Hamley Run

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $47. State Farm, Geico, and Progressive provided the largest discounts to couples living in Hamley Run.

State Farm gave the largest car insurance discounts to married couples, averaging $304 saved each year compared to an average Hamley Run couple's premiums.

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The cheapest car insurance in Hamley Run for drivers with bad credit

People with poor credit saved an average of $427 with Clearcover.

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Many people are surprised that their poor credit score can cost them an average of $564 every year. Premiums for people with poor credit were about $1,666 in Hamley Run. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Clearcover.

The best Hamley Run car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Hamley Run, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Hamley Run.

Nationwide was the best company for customer service in Hamley Run according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hamley Run, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Hamley Run. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Hamley Run

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 37% of Hamley Run residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hamley Run driver can expect to pay about $76 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hamley Run, USAA has the best prices for young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Hamley Run

What Influences the Cost of Car Insurance in Hamley Run?

On average, car insurance in Hamley Run is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Hamley Run is 22 minutes, which is far less than average for a driver in the state.
  • Ohio state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Hamley Run are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Hamley Run is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Hamley Run is $62 per month for minimum coverage and $92 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Hamley Run driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hamley Run with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.