Cheapest Car Insurance Quotes in Hot Springs

Finding the cheapest car insurance quotes in Hot Springs shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Hot Springs Car Insurance

^$ 19

/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 $1015 for a six-month policy, which is $30 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $630, 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

$1015

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Hot Springs

1st place: State Farm

At $630 for a six month policy, State Farm offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $637 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $808 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 State Farm, offering policies at just $630 for a six-month term. This is followed by USAA, which has an average six-month premium of $637.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1456 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
State Farm	$630	$106
USAA	$637	$107
Nationwide	$808	$136
Progressive	$1174	$198
Allstate	$1382	$233
Farmers	$1456	$245

Key Takeaways

Way's key takeaways about car insurance in Hot Springs

The auto insurance costs in Hot Springs fall around $630 for six months.
The cheapest auto insurance company in Hot Springs is USAA.
Teen drivers pay the highest rate in Hot Springs at $595 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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.

USAA provides the cheapest minimum car insurance coverage in Hot Springs. Their Average 6 Month Premium is $110. 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
USAA	$110	$19
State Farm	$116	$20
Progressive	$269	$45
Kemper	$300	$50
Farmers	$349	$59
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 State Farm at $106 per month and $630 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hot Springs, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$630	$106
USAA	$637	$107
Nationwide	$808	$136
Progressive	$1174	$198
Allstate	$1382	$233
Farmers	$1456	$245

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Hot Springs Instantly!

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

undefined

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 $3536 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	$972	$164
USAA	$1255	$211
Progressive	$1958	$330
Allstate	$3267	$550
Farmers	$3536	$595

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 $343 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 Allstate, offering rates of around $2037 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$343	$57
USAA	$1157	$197
State Farm	$1284	$216
Farmers	$1762	$297
Progressive	$1989	$332
Allstate	$2037	$346

Escape the Trap of Rising Insurance Costs.

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

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 $373 and $447, respectively. Farmers is an expensive provider with an average six-month premium of $1694.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$373	$63
Kemper	$447	$76
USAA	$483	$81
Progressive	$1126	$190
Allstate	$1530	$258
Farmers	$1694	$285

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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $1902 with companies like Allstate.

Hot Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$312	$53
State Farm	$557	$94
Progressive	$874	$147
USAA	$887	$149
Farmers	$1634	$275
Allstate	$1902	$320

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 $294. However, it can be as expensive as $1671 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	$294	$49
USAA	$741	$124
Allstate	$1456	$247
Farmers	$1505	$253
Progressive	$1671	$284

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 $204 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hot Springs remained steady at $37 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Hot Springs?

The car insurance in Hot Springs is $19 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 $106 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 $985 for a six-month policy. It will cost around $170 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 State Farm, offering $630 for a six-month policy.