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Get Cheap Car Insurance in Hot Spring County, AR

We monitor insurance prices, helping the average driver in Hot Spring County save up to 33.0% on car insurance.

 

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The Cheapest Minimum Coverage in Hot Spring County

The chart below shows the cheapest car insurance company in Hot Spring County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Farm Bureau, Geico, and Jupiter.

 
Hot Spring County Insurer Monthly Cost
Safeco Insurance $55
Farm Bureau $57
Geico $58
Jupiter $60

Savings for Every Kind of Hot Spring County Driver

The table shows how much the average auto insurance customer in Hot Spring County might save by following our recommendations.

Based on our extensive insurance data, we know the average Hot Spring County driver will save about 20% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $336 per year by choosing the right vehicle insurance company. Some Hot Spring County residents are paying out over $1,699 extra every year for auto insurance in Hot Spring County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hot Spring County, AR Savings / Yr.
Drivers with good records
$336
Drivers with accidents
$596
Drivers with speeding tickets
$479
Drivers with a DUI conviction
$738
Young drivers
$1,907
Married drivers
$338
Drivers with bad credit
$473

Hot Spring County Car Insurance vs. Arkansas

People living in Hot Spring County pay an average of 0.95% more than the typical driver in the state. The average driver in Hot Spring County can expect to pay about $920 per year, or $1,699 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Hot Spring County for most people.

Car Insurance Prices by Hot Spring County Neighborhood

Hot Spring County, AR map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Hot Spring County?

The map shows insurance prices in and around Hot Spring County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $103 per year within the county boundaries, with insurance premiums ranging from a high of $1,756 to a low of $1,653. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Hot Spring County.

Pick the Best Car Insurance Company for You in Hot Spring County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Hot Spring County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Hot Spring County

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $336 over the average Hot Spring County car insurance company.

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We use the average good driver, paying $114 per month, as our baseline for pricing in Hot Spring County. State Farm, Travelers, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Hot Spring County drivers with accidents on their records

In Hot Spring County getting into an accident will raise premiums an average 37% for a yearly cost of $2,678. That's $979 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Gainsco, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $596 over the competition.

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The best car insurance company for Hot Spring County drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $479 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Hot Spring County, tickets raise premiums on new quotes about $543. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,242 per year.

The best auto insurance for Hot Spring County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,832 per year in auto insurance premiums, which was $1,133 more than a driver with no major issues. Progressive, Farm Bureau, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Farm Bureau may cost the average person with a DUI about $738 less each year.

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The least expensive car insurance company for new and young drivers in Hot Spring County

In Hot Spring County, Farm Bureau costs young drivers $1,907 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Hot Spring County. With an average cost of $5,778 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Hot Spring County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $190. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Hot Spring County.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $338 saved each year compared to an average Hot Spring County couple's premiums.

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The cheapest car insurance in Hot Spring County for drivers with bad credit

People with poor credit saved an average of $473 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $970 every year. Premiums for people with poor credit were about $2,669 in Hot Spring County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Dairyland, and Farm Bureau.

The best Hot Spring County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Hot Spring County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in Hot Spring County.

Nationwide was the best company for customer service in Hot Spring County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hot Spring County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Hot Spring County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Hot Spring County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 19% of Hot Spring County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Hot Spring County driver can expect to pay about $113 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hot Spring County, USAA has the best prices for drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Hot Spring County

What Influences the Cost of Car Insurance in Hot Spring County?

On average, car insurance in Hot Spring County is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Hot Spring County is 34 minutes, which is far more than average for a driver in the state.
  • Arkansas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Hot Spring County are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • Hot Spring County is a lightly populated area in the state. The county’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Hot Spring County is $77 per month for minimum coverage and $142 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Hot Spring County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hot Spring County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.