Hot Springs, AR Auto Insurance (2024)
The average Hot Springs, AR auto insurance rates are $362 per month. The minimum auto insurance in Hot Springs is at least 25/50/25 in coverage to comply with Arkansas auto insurance laws. To find the best cheap auto insurance in Hot Springs, Arkansas, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Hot Springs, Arkansas is 25/50/25
- The most expensive auto insurance company in Hot Springs for teen drivers is Travelers
- Average auto insurance rates in Hot Springs, AR for senior drivers are $2,232 per year
Hot Springs, Arkansas auto insurance requirements are 25/50/25 according to Arkansas auto insurance laws. Finding cheap auto insurance in Hot Springs can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hot Springs, Arkansas, including driving record, credit, commute time, and more.
Compare auto insurance in Hot Springs to other Arkansas cities, including Little Rock auto insurance rates, Jonesboro auto insurance rates, and Conway auto insurance rates to see how Hot Springs, Arkansas auto insurance rates stack up.
Before you buy Hot Springs, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hot Springs, Arkansas auto insurance quotes.
Minimum Auto Insurance in Hot Springs, Arkansas
Hot Springs, Arkansas auto insurance laws require that you have at least the Arkansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hot Springs, Arkansas.
| 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 |
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Cheap Hot Springs, Arkansas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Hot Springs, Arkansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Hot Springs, Arkansas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Hot Springs, Arkansas is a challenge. Take a look at the annual teen auto insurance rates in Hot Springs, Arkansas.
| 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 |
Cheap Hot Springs, Arkansas Auto Insurance for Seniors
What are senior auto insurance rates in Hot Springs, Arkansas? Take a look at the annual average rates for older 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 |
Cheap Hot Springs, Arkansas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hot Springs, Arkansas compared to the annual auto insurance rates with a clean record in Hot Springs, Arkansas.
| 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 |
Cheap Hot Springs, Arkansas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Hot Springs, Arkansas is not easy. Compare the annual rates for DUI auto insurance in Hot Springs, Arkansas to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Hot Springs, Arkansas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Hot Springs, Arkansas annual auto insurance rates by credit history compare.
| 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 |
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Cheap Hot Springs, Arkansas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Hot Springs, Arkansas can vary. Compare the annual cost of auto insurance by ZIP code in Hot Springs, Arkansas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 71901 | $4,450 |
| 71913 | $4,457 |
Cheap Hot Springs, Arkansas Auto Insurance Rates By Commute
Commute length and annual mileage affect Hot Springs, Arkansas auto insurance. Find the cheapest annual Hot Springs, Arkansas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Hot Springs, Arkansas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Hot Springs, Arkansas? Check out the comparison of annual Hot Springs, Arkansas auto 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 |
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Best By Category: Cheapest Auto Insurance in Hot Springs, Arkansas
Compare the cheapest auto insurance companies in Hot Springs, Arkansas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Hot Springs, Arkansas Auto Insurance Companies
What auto insurance companies in Hot Springs, Arkansas are the cheapest? Compare the top Hot Springs, Arkansas auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Hot Springs, Arkansas?
There are a lot of reasons why auto insurance rates in Hot Springs, Arkansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hot Springs, Arkansas. Many local factors may affect your Hot Springs auto insurance rates.
Hot Springs Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hot Springs, Arkansas commute length is 17.8 minutes according to City-Data.
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Compare Hot Springs, Arkansas Auto Insurance Quotes
Before you buy Hot Springs, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hot Springs, Arkansas auto insurance quotes.
Frequently Asked Questions
Are the minimum insurance requirements sufficient for adequate coverage?
While the minimum insurance requirements in Hot Springs, AR meet the legal obligations, they may not provide sufficient coverage for all situations. It’s recommended to consider higher coverage limits and additional types of coverage like comprehensive and collision to ensure better protection.
How can I lower my auto insurance premiums in Hot Springs, AR?
There are several ways to potentially lower your auto insurance premiums in Hot Springs, AR. Here are the five most common:
- Consider increasing your deductibles
- Maintaining a good driving record
- Bundling your auto insurance with other policies
- Installing safety devices in your vehicle
- Inquiring about available discounts from your insurance provider
Does auto insurance cover rental cars in Hot Springs, AR?
Auto insurance policies typically offer coverage for rental cars, but it varies among different insurance providers and policy types. Some policies may provide full coverage for rental cars, while others may offer limited coverage. It’s important to check with your insurance provider to understand the extent of coverage for rental cars under your policy.
What should I do after an accident in Hot Springs, AR?
After an accident in Hot Springs, AR, it’s important to ensure everyone’s safety, call emergency services if necessary, exchange information with the other parties involved, gather evidence, and report the incident to your insurance provider. It’s advisable to take photos of the accident scene and seek medical attention if needed.
Can I transfer my out-of-state auto insurance policy to Hot Springs, AR?
If you are relocating to Hot Springs, AR, you will typically need to obtain auto insurance that complies with the state’s requirements. Most insurance companies allow policy transfers or can assist you in obtaining a new policy that meets the specific requirements of Hot Springs, AR. Contact your insurance provider for guidance on the process.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.