Best Cheap Auto Insurance in Hot Springs, AR (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hot Springs, Arkansas

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Hot Springs, Arkansas

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.

Annual Hot Springs, Arkansas Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Hot Springs, Arkansas

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.

Annual Auto Insurance Rates by Credit Score in Hot Springs, Arkansas

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.

Annual Auto Insurance Rates by ZIP Code in Hot Springs, Arkansas

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.

Annual Auto Insurance Rates by Commute Length in Hot Springs, Arkansas

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.

Annual Auto Insurance Rates by Coverage Level in Hot Springs, Arkansas

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.

Best Annual Auto Insurance Rates by Company in Hot Springs, Arkansas

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.

Average Annual Auto Insurance Rates by Company in Hot Springs, Arkansas

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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