Cheapest Car Insurance Quotes in California Hot Springs

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California Hot Springs Car Insurance

^$ 26

/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 California Hot Springs

The car insurance rate in California Hot Springs is $1257 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $648, making it a popular choice for budget-conscious drivers. Rates in California Hot Springs 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 California Hot Springs

$1257

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in California Hot Springs

1st place: CSAA

At $648 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1038 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1055 for six months, making it the third cheapest auto insurance company in California Hot Springs.

California Hot Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in California Hot Springs, CA is CSAA, offering policies at just $648 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1038.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1386 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help California Hot Springs drivers find the best deals.

Cheap Car Insurance Companies in California Hot Springs, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$648	$109
Mercury	$1038	$175
AAA NorCal	$1055	$180
Progressive	$1055	$178
Wawanesa	$1104	$186
USAA	$1122	$189
Auto Club	$1151	$196
Allstate	$1284	$216
AAA SoCal	$1355	$230
Kemper	$1434	$239
State Farm	$1536	$259
Travelers	$1716	$286
Farmers	$1722	$293
AAA	$1386	$231

Key Takeaways

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

The auto insurance costs in California Hot Springs fall around $648 for six months.
The cheapest auto insurance company in California Hot Springs is CSAA.
Teen drivers pay the highest rate in California Hot Springs at $609 per month.

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Cheapest Minimum Liability Car Insurance in California Hot Springs

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 California Hot Springs are given below.

CSAA provides the cheapest minimum car insurance coverage in California Hot Springs. Their Average 6 Month Premium is $156. Travelers is the most expensive at $660 for the same period.

Cheapest Liability Coverage in California Hot Springs, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$156	$26
AAA NorCal	$258	$43
USAA	$294	$49
Progressive	$348	$59
Auto Club	$354	$59
Wawanesa	$372	$63
AAA	$426	$71
AAA SoCal	$432	$74
Mercury	$432	$73
State Farm	$474	$80
Allstate	$546	$92
Farmers	$588	$100
Travelers	$660	$110

Cheapest Full Coverage Car Insurance in California Hot Springs

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 California Hot Springs is CSAA at $109 per month and $648 for six months.

Cheapest Full Coverage Car Insurance Quotes in California Hot Springs, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$648	$109
Mercury	$1038	$175
AAA NorCal	$1055	$180
Progressive	$1055	$178
Wawanesa	$1104	$186
USAA	$1122	$189
Auto Club	$1151	$196
Allstate	$1284	$216
AAA SoCal	$1355	$230
Kemper	$1434	$239
State Farm	$1536	$259
Travelers	$1716	$286
Farmers	$1722	$293
AAA	$1386	$231

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Average Car Insurance in California Hot Springs 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 California Hot Springs, CA increasing?

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

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

Car Insurance Premiums by Age in California Hot Springs

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$606
30s	Wawanesa	$489
40s	Wawanesa	$489
50s	Wawanesa	$489
60s	Wawanesa	$489
70s	Wawanesa	$479

Cheapest Car Insurance Rates for Teen Drivers in California Hot Springs,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the California Hot Springs at $72 per month. At $3653 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$420	$72
Capital Insurance Group	$528	$88
USAA	$1374	$231
Wawanesa	$1404	$234
Progressive	$1608	$271
Mercury	$1668	$281
CSAA	$1770	$298
Auto Club	$2598	$433
State Farm	$2651	$446
Allstate	$3084	$519
AAA SoCal	$3263	$554
AAA NorCal	$3306	$550
Travelers	$3432	$584
Farmers	$3653	$609

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in California Hot Springs.

As young drivers face the highest rates in California Hot Springs, Wawanesa offers the cheapest auto insurance rates at $606 for six months.

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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in California Hot Springs.

Car Insurance Rates with An Accident in California Hot Springs

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 California Hot Springs, CA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in California Hot Springs include AAA and Capital Insurance Group, offering $378 and $551, respectively. Allstate is an expensive provider with an average six-month premium of $3486.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$378	$63
Capital Insurance Group	$551	$94
CSAA	$738	$124
USAA	$1212	$204
Mercury	$1326	$223
Progressive	$1386	$233
Wawanesa	$1559	$260
Auto Club	$1728	$294
Farmers	$1890	$318
AAA NorCal	$2142	$365
AAA SoCal	$2322	$387
State Farm	$2742	$462
Travelers	$3306	$550
Allstate	$3486	$587

California Hot Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in California Hot Springs CA. For example, the car insurance in California Hot Springs after a DUI increases to $1757 for a six month policy. While the rate increases by $461 for a six-month policy in the case of a speeding ticket.

California Hot Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1098	$183
Not-at-fault accident	$1098	$187
One comp claim	$1098	$183
One Med/PIP claim	$1098	$187
Two comp claims	$1098	$183
Two Med/PIP claims	$1098	$187
At-fault accident - less than $1000	$1122	$187
Failure to show documents	$1446	$245
Driving with expired registration	$1476	$246
Driving without lights	$1476	$250
Failure to wear a seat belt	$1482	$247
Child safety restraint	$1494	$254
Speeding 11 - 15 MPH over limit	$1553	$259
Speeding 16 - 20 MPH over limit	$1553	$265
Driving too slowly	$1559	$260
Failure to stop at a red light	$1559	$266
Failure to yield	$1559	$260
Following too closely	$1559	$266
Illegal turn	$1559	$260
In 65 MPH zone	$1559	$266
Speeding 21 - 25 MPH over limit	$1559	$260
Speeding 6 - 10 MPH over limit	$1559	$266
Speeding in school zone	$1559	$260
Improper passing	$1566	$267
Cell phone violation	$1572	$262
Texting while driving	$1572	$268
Passing school bus	$1590	$265
Wrong way/wrong lane	$1859	$316
Operating a vehicle without permission	$1902	$317
At-fault accident - $1000-$2000	$1914	$325
At-fault accident - greater than $2000	$1914	$319
Open container	$1920	$326
Driving with a suspended license	$2226	$371
Reckless driving	$2712	$462
Racing	$2742	$457
Leaving scene of an accident/hit and run	$2753	$469
DUI	$2855	$476
Refusal to submit to a chemical test	$2855	$486

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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 California Hot Springs 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 California Hot Springs.

The cheapest car insurance premiums in California Hot Springs are offered by Capital Insurance Group at $822 for a six-month policy. However, it can be as expensive as $755 with companies like AAA.

California Hot Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$822	$137
Mercury	$1176	$198
Progressive	$1559	$263
Wawanesa	$1757	$299
Farmers	$1974	$332
CSAA	$2100	$354
USAA	$2165	$365
Travelers	$2459	$414
Auto Club	$3473	$579
AAA NorCal	$3798	$645
AAA SoCal	$4259	$710
State Farm	$5406	$910
Allstate	$5508	$927
AAA	$755	$128

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 California Hot Springs are offered by CSAA at $96. However, it can be as expensive as $2640 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in California Hot Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$96	$16
Capital Insurance Group	$528	$90
Mercury	$1134	$191
USAA	$1157	$197
Progressive	$1164	$196
AAA NorCal	$1338	$227
AAA SoCal	$1853	$309
Allstate	$2351	$400
Farmers	$2448	$408
State Farm	$2616	$444
Travelers	$2640	$440

Car Insurance Price Trends in California Hot Springs, California

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

The average cost of full coverage in the California Hot Springs rose by $214 in January compared to $194 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the California Hot Springs rose to $62 in January, compared to $56 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in California Hot Springs?

The car insurance in California Hot Springs is $26 per month, which is lower than the national average.

What is the cheapest car insurance in California Hot Springs?

The cheapest car insurance in California Hot Springs is $109 per month for full coverage.

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

Car insurance for teenagers costs $420 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 California Hot Springs?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $211 per month to insure your car in California Hot Springs.

Is car insurance expensive in California Hot Springs?

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

Cheapest Car Insurance Quotes in California Hot Springs

Why you can trust Way?

How Much Is Car Insurance in California Hot Springs

Avg. Car Insurance in California Hot Springs

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in California Hot Springs

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

California Hot Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in California Hot Springs, CA

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

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in California Hot Springs

Cheapest Liability Coverage in California Hot Springs, CA

Cheapest Full Coverage Car Insurance in California Hot Springs

Cheapest Full Coverage Car Insurance Quotes in California Hot Springs, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in California Hot Springs by Rating Factor

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

Car Insurance Premiums by Age in California Hot Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in California Hot Springs,CA

If you are in your twenties Wawanesa is the best choice for car insurance in California Hot Springs.

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 California Hot Springs

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

California Hot Springs Car Insurance Rates by Violation

California Hot Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in California Hot Springs after a DUI

California Hot Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in California Hot Springs after Speeding ticket

Car Insurance Price Trends in California Hot Springs, California

Average Car Insurance Cost in California Hot Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near California Hot Springs, CA

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

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