Best Hot Springs, AR Car Insurance in 2024
Car insurance in Hot Springs, AR averages $362 a month. Hot Springs, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hot Springs car insurance rates, compare quotes from the top car insurance companies in Hot Springs, AR.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Hot Springs is USAA
- The cheapest car insurance company in Hot Springs for teen drivers is USAA
- Average car insurance rates in Hot Springs, AR after a DUI are $5,223/year
If you need to buy Hot Springs, Arkansas car insurance, the options can be confusing. Everything you need to know about car insurance in Hot Springs, AR is right here.
You’ll find Hot Springs car insurance rates, the cheapest Hot Springs, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Hot Springs, Arkansas car insurance rates to Pine Bluff car insurance rates, Hot Springs car insurance rates, and Fort Smith car insurance rates.
Ready to find affordable Hot Springs, AR car insurance today? Enter your ZIP code for fast, free Hot Springs car insurance quotes.
Cheapest Hot Springs, AR Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Hot Springs, AR car insurance rates? Every Hot Springs, Arkansas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,953 | $2,958 | $2,647 | $2,830 | $11,179 | $13,454 | $3,238 | $3,504 |
| Farmers | $2,444 | $2,429 | $2,178 | $2,297 | $10,649 | $11,046 | $2,806 | $2,947 |
| Geico | $2,641 | $2,604 | $2,429 | $2,361 | $7,174 | $7,166 | $2,616 | $2,653 |
| Liberty Mutual | $2,462 | $2,637 | $2,330 | $2,596 | $8,693 | $9,570 | $2,669 | $2,804 |
| Nationwide | $2,780 | $2,828 | $2,496 | $2,634 | $6,841 | $8,707 | $3,195 | $3,442 |
| Progressive | $2,901 | $2,728 | $2,391 | $2,504 | $12,822 | $14,430 | $3,468 | $3,762 |
| State Farm | $1,905 | $1,905 | $1,724 | $1,724 | $5,766 | $7,238 | $2,153 | $2,471 |
| Travelers | $2,202 | $2,240 | $2,199 | $2,201 | $13,208 | $21,260 | $2,368 | $2,699 |
| USAA | $1,414 | $1,426 | $1,312 | $1,317 | $4,530 | $4,737 | $1,824 | $1,963 |
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Minimum Car Insurance in Hot Springs, AR
Every driver must carry the minimum car insurance required by the state in Hot Springs, AR. Take a look at the Arkansas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Hot Springs, AR Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Hot Springs, AR. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Hot Springs from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,707 | $5,153 | $4,176 |
| Farmers | $5,217 | $4,395 | $4,186 |
| Geico | $4,437 | $3,652 | $3,028 |
| Liberty Mutual | $6,104 | $3,677 | $2,880 |
| Nationwide | $4,859 | $3,917 | $3,570 |
| Progressive | $6,341 | $5,451 | $5,086 |
| State Farm | $4,510 | $2,712 | $2,110 |
| Travelers | $6,929 | $5,794 | $5,418 |
| USAA | $3,068 | $2,094 | $1,784 |
Cheapest Hot Springs, AR Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Hot Springs, AR to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,375 | $5,545 | $6,194 | $5,267 |
| Farmers | $3,883 | $4,987 | $4,877 | $4,650 |
| Geico | $2,527 | $3,859 | $5,717 | $2,719 |
| Liberty Mutual | $2,875 | $4,670 | $5,469 | $3,867 |
| Nationwide | $3,201 | $4,137 | $5,599 | $3,524 |
| Progressive | $4,839 | $6,775 | $5,091 | $5,799 |
| State Farm | $2,838 | $3,383 | $3,110 | $3,110 |
| Travelers | $5,061 | $5,229 | $7,683 | $6,215 |
| USAA | $1,774 | $2,255 | $3,264 | $1,969 |
Cheapest Hot Springs, AR Car Insurance for Teen Drivers
Teen car insurance in Hot Springs, AR can be expensive. Take a look at rates from the top car insurance companies in Hot Springs for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,179 | $13,454 |
| Farmers | $10,649 | $11,046 |
| Geico | $7,174 | $7,166 |
| Liberty Mutual | $8,693 | $9,570 |
| Nationwide | $6,841 | $8,707 |
| Progressive | $12,822 | $14,430 |
| State Farm | $5,766 | $7,238 |
| Travelers | $13,208 | $21,260 |
| USAA | $4,530 | $4,737 |
Cheapest Hot Springs, AR Car Insurance for Seniors
Take a look at Hot Springs, AR rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,647 | $2,830 |
| Farmers | $2,178 | $2,297 |
| Geico | $2,429 | $2,361 |
| Liberty Mutual | $2,330 | $2,596 |
| Nationwide | $2,496 | $2,634 |
| Progressive | $2,391 | $2,504 |
| State Farm | $1,724 | $1,724 |
| Travelers | $2,199 | $2,201 |
| USAA | $1,312 | $1,317 |
Cheapest Hot Springs, AR Car Insurance Rates After a DUI
A DUI in Hot Springs, AR increases car insurance rates. Compare Hot Springs, Arkansas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,194 |
| Farmers | $4,877 |
| Geico | $5,717 |
| Liberty Mutual | $5,469 |
| Nationwide | $5,599 |
| Progressive | $5,091 |
| State Farm | $3,110 |
| Travelers | $7,683 |
| USAA | $3,264 |
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Cheapest Hot Springs, AR Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Hot Springs, AR by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,345 | $5,345 |
| Farmers | $4,599 | $4,599 |
| Geico | $3,675 | $3,736 |
| Liberty Mutual | $4,220 | $4,220 |
| Nationwide | $4,115 | $4,115 |
| Progressive | $5,626 | $5,626 |
| State Farm | $3,034 | $3,187 |
| Travelers | $6,047 | $6,047 |
| USAA | $2,250 | $2,381 |
Cheapest Hot Springs, AR Car Insurance Rates by ZIP Code
Hot Springs car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Hot Springs, AR.
| ZIP Code | Average Annual Rates |
|---|---|
| 71901 | $4,450 |
| 71913 | $4,457 |
The Best Cheap Car Insurance Companies in Hot Springs, AR
Take a look at a side-by-side comparison of the top car insurance companies in Hot Springs, AR to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,345 |
| Farmers | $4,599 |
| Geico | $3,706 |
| Liberty Mutual | $4,220 |
| Nationwide | $4,115 |
| Progressive | $5,626 |
| State Farm | $3,111 |
| Travelers | $6,047 |
| USAA | $2,315 |
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Category Winners: Cheapest Car Insurance in Hot Springs, Arkansas
Find the cheapest car insurance companies in Hot Springs, AR for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Hot Springs, AR Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Hot Springs car insurance rates. Find the cheapest Hot Springs, AR car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,184 | $5,343 | $5,509 |
| Farmers | $4,355 | $4,547 | $4,897 |
| Geico | $3,547 | $3,704 | $3,865 |
| Liberty Mutual | $4,093 | $4,195 | $4,373 |
| Nationwide | $4,125 | $4,028 | $4,193 |
| Progressive | $5,106 | $5,516 | $6,256 |
| State Farm | $2,936 | $3,109 | $3,287 |
| Travelers | $5,723 | $6,063 | $6,356 |
| USAA | $2,223 | $2,308 | $2,416 |
What affects car insurance rates in Hot Springs, Arkansas?
What are the factors that affect your car insurance rates in Hot Springs, AR? There are several reasons why Hot Springs car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Hot Springs, Arkansas.
Commute Time in Hot Springs
The more time you spend in your car the higher the risk of an accident. The average commute length in Hot Springs, AR is 17.8 minutes according to City-Data.
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Compare Car Insurance Quotes in Hot Springs, AR
Ready to find affordable Hot Springs, Arkansas car insurance today? Enter your ZIP code for fast, free Hot Springs, AR car insurance quotes.
Frequently Asked Questions
What are the car insurance requirements in Hot Springs, AR?
The minimum car insurance requirements in Hot Springs, AR are 25/50/25. This means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
How does my age, gender, and marital status affect my car insurance rates in Hot Springs, AR?
Age, gender, and marital status are factors that can impact your car insurance rates in Hot Springs, AR. Each car insurance company weighs these factors differently. Generally, young and inexperienced drivers, especially males, may have higher rates compared to older, more experienced drivers.
How does my credit score affect my car insurance rates in Hot Springs, AR?
Your credit score can affect your car insurance costs in Hot Springs, AR. If you have a good credit score, you may be eligible for a good credit discount, which can lower your premiums. Conversely, if you have a poor credit score, you may face higher insurance rates.
How does my driving record impact my car insurance rates in Hot Springs, AR?
Your driving record is a significant factor in determining car insurance rates in Hot Springs, AR. Insurance companies consider factors such as accidents, tickets, and other violations. A clean driving record generally leads to lower insurance rates, while a bad driving record can result in higher premiums.
How can I find cheap car insurance for teenagers in Hot Springs, AR?
Car insurance for teenagers in Hot Springs, AR can be expensive. To find affordable rates, it’s important to compare quotes from multiple car insurance companies. Some insurance providers offer discounts for teen drivers who maintain good grades or complete driver’s education courses. Shopping around and exploring available discounts can help you find cheaper car insurance for teenagers.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.