Cheapest Car Insurance Quotes in Hot Springs

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Hot Springs Car Insurance

^$ 27

/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 $746 for a six-month policy, which is $83 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $369, 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

$746

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Hot Springs

1st place: Erie

At $369 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $449 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $508 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, NC is Erie, offering policies at just $369 for a six-month term. This is followed by Progressive, which has an average six-month premium of $449.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1369 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, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$369	$62
Progressive	$449	$76
State Farm	$508	$86
North Carolina Farm Bureau	$588	$99
Travelers	$684	$114
Farm Bureau	$738	$125
Nationwide	$791	$133
Farmers	$840	$141
Kemper	$1128	$188
Allstate	$1369	$230

Key Takeaways

Way's key takeaways about car insurance in Hot Springs

The auto insurance costs in Hot Springs fall around $369 for six months.
The cheapest auto insurance company in Hot Springs is Erie.
Teen drivers pay the highest rate in Hot Springs at $469 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.

Erie provides the cheapest minimum car insurance coverage in Hot Springs. Their Average 6 Month Premium is $160. Allstate is the most expensive at $508 for the same period.

Cheapest Liability Coverage in Hot Springs, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$160	$27
State Farm	$214	$36
Progressive	$230	$39
North Carolina Farm Bureau	$251	$42
Travelers	$300	$50
Farm Bureau	$305	$52
Nationwide	$311	$52
Farmers	$320	$55
National General	$326	$54
Penn National	$353	$60
Allstate	$508	$86

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 Erie at $62 per month and $369 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hot Springs, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$369	$62
Progressive	$449	$76
State Farm	$508	$86
North Carolina Farm Bureau	$588	$99
Travelers	$684	$114
Farm Bureau	$738	$125
Nationwide	$791	$133
Farmers	$840	$141
Kemper	$1128	$188
Allstate	$1369	$230

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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, NC increasing?

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

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Hot Springs at $79 per month. At $2812 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$471	$79
State Farm	$609	$103
Erie	$615	$104
North Carolina Farm Bureau	$1075	$181
Nationwide	$2326	$395
Allstate	$2812	$469

Teen Car Insurance Rates in NC 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, North Carolina Farm Bureau is the cheapest car insurance provider. At $160 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 $3245 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$160	$27
Erie	$182	$31
National General	$278	$48
Progressive	$326	$55
Nationwide	$604	$102
Farmers	$653	$109
Travelers	$931	$158
Farm Bureau	$1053	$176
State Farm	$1315	$221
Allstate	$3245	$541

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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, NC, 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 Progressive and Erie, offering $482 and $491, respectively. Allstate is an expensive provider with an average six-month premium of $2544.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$482	$81
Erie	$491	$83
State Farm	$540	$91
North Carolina Farm Bureau	$706	$119
Farmers	$1022	$170
Farm Bureau	$1155	$196
Nationwide	$1160	$195
Travelers	$1224	$208
Allstate	$2544	$428

Hot Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hot Springs NC. For example, the car insurance in Hot Springs after a DUI increases to $1663 for a six month policy. While the rate increases by $198 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	$513	$86
One Med/PIP claim	$513	$87
Not-at-fault accident	$518	$86
One comp claim	$529	$90
Two Med/PIP claims	$529	$88
Two comp claims	$545	$93
Failure to show documents	$604	$101
Child safety restraint	$669	$113
Driving without lights	$669	$112
Failure to wear a seat belt	$669	$113
Cell phone violation	$706	$118
Texting while driving	$706	$120
Speeding 6 - 10 MPH over limit	$711	$119
Driving with expired registration	$716	$122
Driving too slowly	$727	$122
Failure to stop at a red light	$727	$123
Failure to yield	$727	$122
Illegal turn	$727	$123
Open container	$727	$122
Operating a vehicle without permission	$727	$123
Wrong way/wrong lane	$727	$122
Speeding in school zone	$733	$124
At-fault accident - $1000-$2000	$738	$123
At-fault accident - less than $1000	$738	$125
In 65 MPH zone	$780	$131
Speeding 11 - 15 MPH over limit	$780	$132
Speeding 16 - 20 MPH over limit	$780	$131
Speeding 21 - 25 MPH over limit	$780	$132
Improper passing	$797	$133
Following too closely	$802	$137
At-fault accident - greater than $2000	$860	$143
Passing school bus	$978	$167
Reckless driving	$989	$165
Driving with a suspended license	$1529	$260
Leaving scene of an accident/hit and run	$2149	$358
Refusal to submit to a chemical test	$2171	$369
DUI	$2176	$363
Racing	$2213	$376

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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 National General at $369 for a six-month policy. However, it can be as expensive as $5897 with companies like Allstate.

Hot Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$369	$63
Progressive	$1251	$211
Erie	$1358	$229
State Farm	$1380	$232
Farmers	$2444	$416
Travelers	$2555	$426
Nationwide	$2732	$460
North Carolina Farm Bureau	$2897	$488
Farm Bureau	$4244	$722
Allstate	$5897	$993

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 North Carolina Farm Bureau at $171. However, it can be as expensive as $2101 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hot Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$171	$29
Erie	$209	$35
National General	$358	$61
State Farm	$422	$71
Progressive	$444	$75
Nationwide	$791	$133
Farmers	$866	$148
Farm Bureau	$973	$162
Travelers	$1053	$179
Allstate	$2101	$350

Car Insurance Price Trends in Hot Springs, North Carolina

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 rose by $107 in January compared to $103 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Hot Springs dipped to $48 in January, compared to $50 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hot Springs?

The car insurance in Hot Springs is $27 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 $62 per month for full coverage.

How much is car insurance in Hot Springs for teenagers?

Car insurance for teenagers costs $471 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 $829 for a six-month policy. It will cost around $125 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.

Cheapest Car Insurance Quotes in Hot Springs

Why you can trust Way?

How Much Is Car Insurance in Hot Springs

Avg. Car Insurance in Hot Springs

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Hot Springs

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Hot Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Hot Springs, NC

Way's key takeaways about car insurance in Hot Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hot Springs

Cheapest Liability Coverage in Hot Springs, NC

Cheapest Full Coverage Car Insurance in Hot Springs

Cheapest Full Coverage Car Insurance Quotes in Hot Springs, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hot Springs by Rating Factor

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

Car Insurance Premiums by Age in Hot Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hot Springs,NC

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

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

Hot Springs Car Insurance Rates by Violation

Hot Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hot Springs after a DUI

Hot Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hot Springs after Speeding ticket

Car Insurance Price Trends in Hot Springs, North Carolina

Average Car Insurance Cost in Hot Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hot Springs, NC

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

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