Compare Hot Springs, AR Car Insurance Rates (2021)

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car 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

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Minimum Car Insurance in Hot Springs, AR

Every driver must carry the minimum car insurance in Hot Springs, AR. Take a look at the Arkansas car insurance requirements.

Minimum Required Car 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

Cheapest Hot Springs, AR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Hot Springs, AR. Compare credit history car insurance rates in Hot Springs from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Hot Springs, AR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Hot Springs, AR to rates for a clean record with top companies.

Annual Hot Springs, Arkansas Car 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

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.

Annual Car 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

Cheapest Hot Springs, AR Car Insurance for Seniors

Take a look at Hot Springs, AR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

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.

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

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.

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

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.

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

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.

Average Annual Car 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

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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.

Best Annual Car 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

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.

Annual Car 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

What affects car insurance rates in Hot Springs, Arkansas?

What factors can have an impact on Hot Springs, AR car insurance? 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.

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Average Monthly Car Insurance Rates by State