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Cheapest car insurance in Hot Springs, Arkansas (Nov 2024)
Cheapest car insurance in Hot Springs, Arkansas (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Hot Springs, Arkansas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Hot Springs
- Best Car Insurance Companies in Hot Springs
- Best cheap car insurance quotes in Hot Springs
- Average cost of car insurance in Hot Springs
- Car insurance quotes in Hot Springs by rating factors
- How do different factors impact your car insurance costs in Hot Springs?
- Cheap car insurance quotes in Hot Springs after driving violations
- Cheap car insurance quotes in Hot Springs by age
- Cheap car insurance quotes in Hot Springs based on insurance history
- Cheap car insurance quotes in Hot Springs for popular cars
- How to lower car insurance costs in Hot Springs
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Hot Springs
On average, car insurance in Hot Springs costs $83 per month for minimum liability coverage, or about $216 per month for full-coverage insurance. Hot Springs drivers pay 40% less the
Arkansas
state average. Smart car insurance shoppers in Hot Springs, Arkansas turn to Jerry every month, because Jerry makes it easy for customers to
compare and purchase affordable car insurance
. Below are some of the cheapest car insurance quotes Jerry found for customers in Hot Springs. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $105 | Bryan, 48 Zip: 71901 | Chevrolet Cruze LT | • 25,000/50,000 Liability |
| Safeco | $101 | Erik, 35 Zip: 71913 | Dodge Charger SE | • 25,000/50,000 Liability • Comp / Collision |
| Travelers | $179 | Ronnie, 57 Zip: 71913 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
| Allstate | $131 | Winifred, 49 Zip: 71913 | KIA Soul | • 50,000/100,000 Liability • Comp / Collision |
| Mercury | $163 | Shawn, 56 Zip: 71909 | Nissan Rogue S | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024Best Car Insurance Companies in Hot Springs
We asked real policyholders about the best car insurance rates in Arkansas in one of the largest shopping surveys in the nation. Here’s what they said:
- Safeco and Dairyland welcomed the highest number of drivers in the state with low rates and great customer service.
- USAA helped military members and their families save with amazing discounts.
- Progressive had a lower rating for policy cost but earned strong ratings for customer service.
When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone.
Aside from the cost of insurance, you’ll also want to consider factors such as claims handling and customer service when choosing a provider.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Safeco | 4.8 | 4.3 | N/A | 4.8 |
| Allstate | 4.8 | 3.7 | N/A | 4.2 |
| Progressive | 4.5 | 4.1 | 4.7 | 4.6 |
| State Farm | 4 | 3 | 3 | 3.6 |
| Geico | 3.3 | 2.5 | N/A | 3 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Hot Springs
To legally hit the road in Hot Springs, Arkansas, drivers are required to carry set amounts of
liability insurance
. Liability coverage helps compensate for costs associated with accident-related injuries or property damage for other drivers if you cause a collision while driving. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Hot Springs should consider purchasing full coverage for the best protection.
Cheap minimum liability insurance quotes in Hot Springs
Minimum liability coverage in Arkansas means at least $25,000 of
bodily injury liability
coverage per person, $50,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability
coverage per accident. This amount of coverage is commonly simplified to 25/50/25. If you’re looking for the cheapest option for car insurance, this is it.
With this basic liability coverage, you’ll be protected up to your policy’s limits in the event that you are responsible for injuries or property damage while driving.
Here are some examples of Hot Springs car owners that Jerry has assisted in obtaining minimum liability coverage.
Do you need more than minimum coverage in Hot Springs?
If you're at fault in a car accident whose damages exceed your liability coverage limits, you're underinsured.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the state’s 25/50/25 limit—especially if you cause serious injuries to another person.
The plaintiff may sue you if the property damages or bodily injuries you caused are severe—and
Arkansas car accident laws
allow personal injury lawsuits up to three years after an accident! The bottom line: Raise your coverage level to 50/100/50 if you have space in your budget, especially if you live in a densely-populated area.
Cheap full coverage car insurance quotes in Hot Springs
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. An average full-coverage car insurance policy includes liability coverage along with
collision coverage
and comprehensive coverage
. Collision coverage pays for any damage to your car caused by an impact with another vehicle or a stationary object. Damages from vandalism, theft, or inclement weather fall under comprehensive coverage.Lease and financing agreements often require you to carry both collision and comprehensive coverage. On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. | Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 25,000/50,000 Liability • Comp / Collision | Progressive | $147 | Rodney, 39 Zip: 71909 | Chevrolet HHR LS |
• 25,000/50,000 Liability • Comp / Collision | Safeco | $101 | Erik, 35 Zip: 71913 | Dodge Charger SE |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $179 | Ronnie, 57 Zip: 71913 | Toyota Camry LE |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $131 | Winifred, 49 Zip: 71913 | KIA Soul |
• 25,000/50,000 Liability • Comp / Collision | Bristol West | $321 | Matilda, 33 Zip: 71901 | Acura RDX Technology |
Last Updated Nov 21, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry,
a top insurance agency
, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Hot Springs
Based on Jerry’s work with drivers in Hot Springs, we’ve found that the average annual cost minimum liability coverage is $991 each year. That works out to about $83 per month. For full coverage, Hot Springs drivers typically pay $2,597 per year or $216 per month.
While average insurance rates can help you predict your own insurance costs, it's important to note that every driver's insurance premium is calculated differently.
Car insurance companies look at many different factors when
calculating your annual premiums
, including your demographics, driving record, and discount eligibility—so your actual insurance costs could vary significantly from the state averages.Car insurance quotes in Hot Springs by rating factors
Insurance companies in Hot Springs use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Accidents, tickets, or other traffic violations on yourdriving recordcould result in higher premiums.
- Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
- Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
How do different factors impact your car insurance costs in Hot Springs?
How do different factors impact your car insurance costs in Hot Springs?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Arkansas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Hot Springs:
Cheap car insurance quotes in Hot Springs after driving violations
A poor driving record is one of the biggest obstacles to finding cheap car insurance rates in Arkansas.
Violations on your record
can drive up the cost of your annual premiums, especially if you have serious infractions on your record. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Nationwide | $70 | Jim, 36 Zip: 71951 | Volkswagen Golf | • 50,000/100,000 Liability |
Speeding 6-10 | Safeco | $51 | Bessie, 40 Zip: 71951 | Audi RS5 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 15, 2024Cheapest car insurance in Hot Springs after DUI
Under
Arkansas's DUI laws
, a conviction for driving with a blood-alcohol level of 0.08% or higher will remain on your driving record for five years. That’s five years of sky-high car insurance premiums! Not to mention the possibility of expensive fines, license suspension, and possible jail time.
The good news is, Jerry has helped many drivers in Hot Springs obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Hot Springs after an at-fault accident
If an at-fault car accident derailed your insurance rates, trust Jerry to help you find affordable quotes like these Arkansas drivers did:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Safeco | $116 | Susan, 38 Zip: 71913 | Hyundai Elantra SEL | • 25,000/50,000 Liability • Comp / Collision |
At Fault With No Injury | Progressive | $82 | Vincent, 33 Zip: 71901 | Ford Escape HEV | • 25,000/50,000 Liability |
Not At Fault | Travelers | $179 | Vincent, 56 Zip: 71913 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Gainsco | $63 | Tommy, 33 Zip: 71901 | Ford Escape HEV | • 25,000/50,000 Liability |
Last Updated Nov 19, 2024Cheapest car insurance in Hot Springs after other driving violations
Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other Hot Springs drivers find cheap car insurance despite previous violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Driving on Sus. License | Progressive | $109 | Mabelle, 35 Zip: 71901 | Chrysler PT Cruiser Classic | • 25,000/50,000 Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Hot Springs by age
Teen drivers will want to mark their calendars for their 25th birthday—because that's when car insurance rates typically start to decline for young drivers. At age 75 rates begin to rise again.
Whether you're a teenage driver or senior driver who falls outside this golden bracket, here's how to make the most of your age.
Cheapest car insurance in Hot Springs for young drivers
Teen drivers aged 16 to 19 are most likely to be involved in an accident. This risk—coupled with a limited driving and insurance history—means that teen drivers pay the highest premiums of any age group.
Consider a full-coverage car insurance policy if you're insuring an inexperienced driver. No matter who is at fault for an accident, collision coverage will pay for repairs to your teen’s vehicle.
Jonathan (20 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Hot Springs, AR (Zip Code: 71901)
$155
per month
Cheapest car insurance in Hot Springs for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
As a result, insurance providers feel justified in charging seniors higher rates for car insurance. The exception comes with companies like AARP, which specifically insure older adults and offer some of
the best car insurance rates for seniors
. Count on Jerry's expert customer service team to help you find affordable plans and coverage options.
Cheap car insurance quotes in Hot Springs based on insurance history
Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in coverage
usually leads to an increase in car insurance rates.To stop a car insurance lapse from impacting your rates, call your provider and ask if they offer a grace period, and whether they can reinstate your policy. If not, try shopping around for a better rate.
Jerry can help you sign up with a new insurance company in just a few taps and send you automatic payment and renewal reminders to avoid a future coverage lapse.
Emma (55 years old)
Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Hot Springs, AR (Zip Code: 71901)
$176
per month
Celia (48 years old)
$113
per month
Austin (35 years old)
Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
Hot Springs, AR (Zip Code: 71901)
Lincoln Town CAR Executive$84
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Absolutely perfect! Great pricing and great workers.
Haven
It was fast and help me save a lot of money! I will keep them for ever now!
Oscar
Great experience definitely recommend
Adrian
Saved a ton switching to Travelers.
Isaiah
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $61 | Derek, 53 Zip: 71913 | Jeep Wrangler Unlimited Rubicon | • 25,000/50,000 Liability • Comp / Collision |
< 550 | Bristol West | $321 | Carlos, 33 Zip: 71901 | Acura RDX Technology | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheap car insurance quotes in Hot Springs for popular cars
The cheapest cars to insure
have low repair costs, great security systems, and excellent safety ratings. Insurance providers love these vehicles, because there’s less likelihood of pricey repair bills, auto theft, and costly crash injuries.For most Arkansas drivers, these five models are the cheapest to insure:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| GMC Gmc_sierra | Progressive | $48 | Eleanor, 34 Zip: 71951 | • 100,000/300,000 Liability • Comp / Collision |
| Ford Ford_f-150 | Safeco | $71 | Cole, 45 Zip: 71951 | • 100,000/300,000 Liability |
Last Updated Nov 20, 2024How to lower car insurance costs in Hot Springs
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers.
Commonly available discounts
for Arkansas drivers include: - Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
- Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
- Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
- Bundling discounts:Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Hot Springs?
People living in Hot Springs pay on average $83 per month – or $991 per year – on state-minimum liability coverage. Full coverage in Hot Springs costs on average $216 per month of $2,597 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Hot Springs?
Based on thousands of Hot Springs drivers Jerry has worked with, car insurance in Hot Springs costs an average of $83 per month for state-minimum coverage and $216 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Hot Springs?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
, Safeco
, and Safe Auto receive good ratings from Hot Springs drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Hot Springs, Arkansas?
The state-minimum car insurance in Hot Springs, Arkansas is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.