Cheapest Car Insurance Quotes in Hot Springs

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Hot Springs Car Insurance

^$ 20

/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

The car insurance rate in Hot Springs is $1075 for a six-month policy, which is $31 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $649, making it a popular choice for budget-conscious drivers. Rates in 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 Hot Springs

$1075

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Hot Springs

1st place: USAA

At $649 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $685 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $967 for six months, making it the third cheapest auto insurance company in Hot Springs.

Hot Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hot Springs, MT is USAA, offering policies at just $649 for a six-month term. This is followed by State Farm, which has an average six-month premium of $685.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1486 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hot Springs drivers find the best deals.

Cheap Car Insurance Companies in Hot Springs, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$649	$109
State Farm	$685	$115
Nationwide	$967	$163
Progressive	$1248	$210
Allstate	$1419	$239
Farmers	$1486	$250

Key Takeaways

Way's key takeaways about car insurance in Hot Springs

The auto insurance costs in Hot Springs fall around $649 for six months.
The cheapest auto insurance company in Hot Springs is State Farm.
Teen drivers pay the highest rate in Hot Springs at $623 per month.

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Cheapest Minimum Liability Car Insurance in 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 Hot Springs are given below.

State Farm provides the cheapest minimum car insurance coverage in Hot Springs. Their Average 6 Month Premium is $116. Allstate is the most expensive at $502 for the same period.

Cheapest Liability Coverage in Hot Springs, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$116	$20
USAA	$116	$20
Progressive	$245	$41
Farmers	$263	$44
Kemper	$300	$50
Allstate	$502	$83

Cheapest Full Coverage Car Insurance in 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 Hot Springs is USAA at $109 per month and $649 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hot Springs, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$649	$109
State Farm	$685	$115
Nationwide	$967	$163
Progressive	$1248	$210
Allstate	$1419	$239
Farmers	$1486	$250

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Average Car Insurance in 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 Hot Springs, MT increasing?

Despite maintaining a clean driving record, your car insurance rates in Hot Springs, Montana, may be increasing due to several external factors. Montana 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'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

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,MT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Hot Springs at $61 per month. At $3702 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$367	$61
State Farm	$1169	$197
USAA	$1346	$227
Progressive	$2123	$357
Allstate	$3359	$565
Nationwide	$3592	$611
Farmers	$3702	$623

Teen Car Insurance Rates in MT 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, Nationwide is the cheapest car insurance provider. At $1193 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 is Progressive, offering rates of around $2362 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1193	$201
USAA	$1291	$219
Farmers	$1946	$328
State Farm	$2013	$339
Allstate	$2185	$364
Progressive	$2362	$402

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Car Insurance Rates with An Accident in 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 Hot Springs, MT, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Hot Springs include State Farm and Kemper, offering $416 and $447, respectively. Nationwide is an expensive provider with an average six-month premium of $2202.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$416	$70
Kemper	$447	$76
USAA	$508	$85
Progressive	$1217	$205
Allstate	$1579	$266
Farmers	$1744	$294
Nationwide	$2202	$367

Hot Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hot Springs MT. For example, the car insurance in Hot Springs after a DUI increases to $636 for a six month policy. While the rate increases by $104 for a six-month policy in the case of a speeding ticket.

Hot Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1126	$187
One Med/PIP claim	$1126	$192
Not-at-fault accident	$1151	$192
One comp claim	$1151	$196
Two Med/PIP claims	$1151	$192
Two comp claims	$1174	$200
Child safety restraint	$1230	$205
Driving without lights	$1230	$209
Speeding 6 - 10 MPH over limit	$1230	$205
Failure to show documents	$1236	$210
Failure to wear a seat belt	$1242	$207
Speeding 11 - 15 MPH over limit	$1309	$222
Driving with expired registration	$1315	$219
Cell phone violation	$1328	$226
Failure to stop at a red light	$1328	$221
Failure to yield	$1328	$226
Following too closely	$1328	$221
Illegal turn	$1328	$226
Improper passing	$1328	$221
Texting while driving	$1328	$226
Speeding 16 - 20 MPH over limit	$1334	$222
Driving too slowly	$1340	$228
Wrong way/wrong lane	$1359	$227
Passing school bus	$1388	$236
Speeding in school zone	$1432	$239
In 65 MPH zone	$1438	$244
Speeding 21 - 25 MPH over limit	$1438	$240
Operating a vehicle without permission	$1444	$245
Open container	$1450	$242
At-fault accident - less than $1000	$1463	$248
At-fault accident - $1000-$2000	$1511	$252
At-fault accident - greater than $2000	$1523	$259
Reckless driving	$1640	$273
Driving with a suspended license	$1658	$282
Refusal to submit to a chemical test	$1683	$280
DUI	$1762	$300
Racing	$1829	$305
Leaving scene of an accident/hit and run	$1848	$314

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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 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.

The cheapest car insurance premiums in Hot Springs are offered by Kemper at $312 for a six-month policy. However, it can be as expensive as $2955 with companies like Nationwide.

Hot Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$312	$53
State Farm	$685	$115
USAA	$936	$158
Progressive	$949	$160
Farmers	$1677	$282
Allstate	$1977	$333
Nationwide	$2955	$503

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 are offered by State Farm at $435. However, it can be as expensive as $1983 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Hot Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$435	$73
USAA	$832	$141
Allstate	$1560	$260
Farmers	$1573	$265
Nationwide	$1835	$306
Progressive	$1983	$337

Car Insurance Price Trends in Hot Springs, Montana

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

The average cost of full coverage in the Hot Springs remained steady at $233 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Hot Springs remained steady at $32 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Hot Springs?

The car insurance in Hot Springs is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Hot Springs?

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

How much is car insurance in Hot Springs for teenagers?

Car insurance for teenagers costs $367 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?

The average cost of car insurance is $1044 for a six-month policy. It will cost around $180 per month to insure your car in Hot Springs.

Is car insurance expensive in Hot Springs?

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

What is the best car insurance in Hot Springs, MT?

The best car insurance company in Hot Springs MT is USAA, offering $649 for a six-month policy.