Cheapest Car Insurance Quotes in Hot Springs Village

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Hot Springs Village Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Hot Springs Village

The car insurance rate in Hot Springs Village is $933 for a six-month policy, which is $9 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, making it a popular choice for budget-conscious drivers. Rates in Hot Springs Village can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Hot Springs Village

$933

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Hot Springs Village

1st place: AutoOwners Insurance Co

At $486 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $636 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $653 for six months, making it the third cheapest auto insurance company in Hot Springs Village.

Hot Springs Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hot Springs Village, AR is AutoOwners Insurance Co, offering policies at just $486 for a six-month term. This is followed by Travelers, which has an average six-month premium of $636.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1728 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hot Springs Village drivers find the best deals.

Cheap Car Insurance Companies in Hot Springs Village, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$486	$83
Travelers	$636	$107
AAA	$653	$111
Southern Farm Bureau	$702	$118
USAA	$714	$120
State Farm	$804	$135
Farm Bureau	$822	$139
Shelter	$882	$148
Nationwide	$936	$158
Auto-Owners	$966	$161
Farmers	$1092	$184
Alfa	$1278	$213
Allstate	$1368	$230
Progressive	$1728	$291

Key Takeaways

Way's key takeaways about car insurance in Hot Springs Village

The auto insurance costs in Hot Springs Village fall around $486 for six months.
The cheapest auto insurance company in Hot Springs Village is USAA.
Teen drivers pay the highest rate in Hot Springs Village at $1032 per month.

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Cheapest Minimum Liability Car Insurance in Hot Springs Village

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Hot Springs Village are given below.

USAA provides the cheapest minimum car insurance coverage in Hot Springs Village. Their Average 6 Month Premium is $174. Farmers is the most expensive at $600 for the same period.

Cheapest Liability Coverage in Hot Springs Village, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$174	$29
Auto-Owners Insurance Co	$192	$32
State Farm	$216	$36
Auto-Owners	$228	$38
Travelers	$234	$39
AAA	$240	$40
Southern Farm Bureau	$246	$41
Farm Bureau	$251	$42
Alfa	$264	$44
Shelter	$288	$48
Nationwide	$300	$51
Progressive	$318	$54
Allstate	$551	$93
Farmers	$600	$100

Cheapest Full Coverage Car Insurance in Hot Springs Village

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Hot Springs Village is AutoOwners Insurance Co at $83 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hot Springs Village, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$486	$83
Travelers	$636	$107
AAA	$653	$111
Southern Farm Bureau	$702	$118
USAA	$714	$120
State Farm	$804	$135
Farm Bureau	$822	$139
Shelter	$882	$148
Nationwide	$936	$158
Auto-Owners	$966	$161
Farmers	$1092	$184
Alfa	$1278	$213
Allstate	$1368	$230
Progressive	$1728	$291

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Average Car Insurance in Hot Springs Village by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Hot Springs Village, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Hot Springs Village, Arkansas, may be increasing due to several external factors. Arkansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Hot Springs Village's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hot Springs Village

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Hot Springs Village,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Hot Springs Village at $26 per month. At $6071 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$156	$26
Travelers	$258	$43
Auto-Owners Insurance Co	$282	$47
AAA	$300	$52
Southern Farm Bureau	$1055	$178
USAA	$1218	$205
Farm Bureau	$1602	$267
State Farm	$1632	$275
Alfa	$1992	$332
Nationwide	$2040	$343
Shelter	$2651	$446
Progressive	$4955	$834
Allstate	$6071	$1022
Farmers	$6071	$1032

Teen Car Insurance Rates in AR by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Hot Springs Village, Southern Farm Bureau is the cheapest car insurance provider. At $294 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Hot Springs Village is State Farm, offering rates of around $4002 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$294	$49
Home State Ins Group	$300	$52
Travelers	$354	$59
Alfa	$762	$128
USAA	$1020	$170
Shelter	$1116	$188
Nationwide	$1128	$190
Progressive	$1440	$242
Farm Bureau	$1488	$248
Farmers	$1500	$253
Allstate	$2742	$457
State Farm	$4002	$681

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Car Insurance Rates with An Accident in Hot Springs Village

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Hot Springs Village, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hot Springs Village

The cheapest car insurance companies after an at-fault accident in Hot Springs Village include Hanover and Travelers, offering $180 and $306, respectively. Allstate is an expensive provider with an average six-month premium of $2538.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$180	$30
Travelers	$306	$52
Auto-Owners Insurance Co	$312	$52
Auto-Owners	$366	$63
Home State Ins Group	$384	$64
USAA	$576	$97
State Farm	$594	$100
Farm Bureau	$708	$119
Southern Farm Bureau	$720	$121
Shelter	$894	$150
Farmers	$1386	$233
Nationwide	$1404	$236
Progressive	$1740	$293
Alfa	$1950	$331
Allstate	$2538	$427

Hot Springs Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hot Springs Village AR. For example, the car insurance in Hot Springs Village after a DUI increases to $678 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Hot Springs Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One Med/PIP claim	$1218	$207
Not-at-fault accident	$1224	$204
One comp claim	$1224	$208
Two Med/PIP claims	$1242	$207
Two comp claims	$1272	$216
Failure to wear a seat belt	$1440	$240
Child safety restraint	$1451	$246
Driving without lights	$1451	$242
Failure to show documents	$1470	$249
Driving with expired registration	$1488	$248
Speeding 6 - 10 MPH over limit	$1488	$253
Driving too slowly	$1494	$249
Speeding 11 - 15 MPH over limit	$1494	$254
Speeding in school zone	$1494	$249
Speeding 16 - 20 MPH over limit	$1500	$256
Failure to stop at a red light	$1506	$250
Failure to yield	$1506	$257
Wrong way/wrong lane	$1512	$251
Cell phone violation	$1518	$259
In 65 MPH zone	$1518	$253
Texting while driving	$1518	$259
Following too closely	$1524	$254
Illegal turn	$1524	$260
Improper passing	$1524	$254
Speeding 21 - 25 MPH over limit	$1553	$265
At-fault accident - less than $1000	$1559	$260
Passing school bus	$1572	$268
Operating a vehicle without permission	$1620	$270
Open container	$1650	$281
At-fault accident - $1000-$2000	$1686	$281
At-fault accident - greater than $2000	$1692	$288
DUI	$1878	$313
Racing	$1878	$319
Refusal to submit to a chemical test	$1878	$313
Reckless driving	$1908	$324
Driving with a suspended license	$1961	$327
Leaving scene of an accident/hit and run	$1998	$339

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Hot Springs Village after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Hot Springs Village.

The cheapest car insurance premiums in Hot Springs Village are offered by Hanover at $192 for a six-month policy. However, it can be as expensive as $2555 with companies like Nationwide.

Hot Springs Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$192	$32
Home State Ins Group	$324	$54
Travelers	$336	$57
State Farm	$630	$106
Farm Bureau	$653	$110
Southern Farm Bureau	$666	$112
USAA	$912	$154
Progressive	$1140	$192
Shelter	$1428	$240
Alfa	$1890	$315
Allstate	$2226	$375
Farmers	$2304	$384
Nationwide	$2555	$430

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Hot Springs Village are offered by Hanover at $168. However, it can be as expensive as $1967 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hot Springs Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$168	$28
Southern Farm Bureau	$180	$30
Auto-Owners Insurance Co	$222	$37
Travelers	$294	$49
Home State Ins Group	$312	$52
State Farm	$564	$95
USAA	$684	$114
Farm Bureau	$894	$152
Nationwide	$1020	$172
Progressive	$1104	$186
Shelter	$1157	$193
Farmers	$1344	$226
Alfa	$1842	$307
Allstate	$1967	$334

Car Insurance Price Trends in Hot Springs Village, Arkansas

Car insurance rates in Hot Springs Village have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Hot Springs Village remained steady at $200 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hot Springs Village remained steady at $46 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Hot Springs Village?

The car insurance in Hot Springs Village is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Hot Springs Village?

The cheapest car insurance in Hot Springs Village is $83 per month for full coverage.

How much is car insurance in Hot Springs Village for teenagers?

Car insurance for teenagers costs $156 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Hot Springs Village?

The average cost of car insurance is $924 for a six-month policy. It will cost around $157 per month to insure your car in Hot Springs Village.

Is car insurance expensive in Hot Springs Village?

Car insurance can be expensive in Hot Springs Village if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hot Springs Village can be affordable.

Cheapest Car Insurance Quotes in Hot Springs Village

Why you can trust Way?

How Much Is Car Insurance in Hot Springs Village

Avg. Car Insurance in Hot Springs Village

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Hot Springs Village

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Hot Springs Village Car Insurance Rates by Company

Cheap Car Insurance Companies in Hot Springs Village, AR

Way's key takeaways about car insurance in Hot Springs Village

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hot Springs Village

Cheapest Liability Coverage in Hot Springs Village, AR

Cheapest Full Coverage Car Insurance in Hot Springs Village

Cheapest Full Coverage Car Insurance Quotes in Hot Springs Village, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hot Springs Village by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Hot Springs Village, AR increasing?

Car Insurance Premiums by Age in Hot Springs Village

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hot Springs Village,AR

If you are in your twenties N/A is the best choice for car insurance in Hot Springs Village.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Hot Springs Village

Cheapest Car Insurance Companies after an At-Fault Accident in Hot Springs Village

Hot Springs Village Car Insurance Rates by Violation

Hot Springs Village auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hot Springs Village after a DUI

Hot Springs Village car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hot Springs Village after Speeding ticket

Car Insurance Price Trends in Hot Springs Village, Arkansas

Average Car Insurance Cost in Hot Springs Village by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hot Springs Village, AR

Car Insurance Rates by State in the USA (2025 Update)

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