Cheapest Car Insurance Quotes in Hot Springs

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Hot Springs Car Insurance

^$ 18

/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 $1030 for a six-month policy, which is $76 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $327, 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

$1030

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in Hot Springs

1st place: American Family

At $327 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $423 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $526 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, SD is American Family, offering policies at just $327 for a six-month term. This is followed by Kemper, which has an average six-month premium of $423.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1944 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, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$327	$54
Kemper	$423	$72
Farmers Mutual of Nebraska	$526	$89
Auto-Owners Insurance Co	$558	$95
State Farm	$969	$163
Allstate	$1052	$177
Progressive	$1058	$178
USAA	$1084	$183
Nationwide	$1238	$208
Auto-Owners	$1251	$211
Farmers	$1277	$215
North Star Mutual	$1700	$289
Farm Bureau	$1944	$324

Key Takeaways

Way's key takeaways about car insurance in Hot Springs

The auto insurance costs in Hot Springs fall around $327 for six months.
The cheapest auto insurance company in Hot Springs is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Hot Springs at $618 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.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Hot Springs. Their Average 6 Month Premium is $109. Farmers is the most expensive at $404 for the same period.

Cheapest Liability Coverage in Hot Springs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$109	$18
American Family	$129	$22
Kemper	$148	$25
USAA	$154	$26
Progressive	$161	$27
Auto-Owners Insurance Co	$173	$29
State Farm	$179	$30
North Star Mutual	$192	$32
Auto-Owners	$199	$33
North Star Mutual Insurance	$231	$39
Farm Bureau	$269	$45
Nationwide	$347	$58
Allstate	$378	$65
Farmers	$404	$69

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 American Family at $54 per month and $327 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hot Springs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$327	$54
Kemper	$423	$72
Farmers Mutual of Nebraska	$526	$89
Auto-Owners Insurance Co	$558	$95
State Farm	$969	$163
Allstate	$1052	$177
Progressive	$1058	$178
USAA	$1084	$183
Nationwide	$1238	$208
Auto-Owners	$1251	$211
Farmers	$1277	$215
North Star Mutual	$1700	$289
Farm Bureau	$1944	$324

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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, SD increasing?

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

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Hot Springs at $28 per month. At $3708 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$166	$28
North Star Mutual Insurance	$205	$35
Kemper	$212	$36
Auto-Owners Insurance Co	$225	$38
Farmers Mutual of Nebraska	$827	$139
USAA	$1449	$244
State Farm	$1469	$247
Progressive	$1873	$315
North Star Mutual	$2193	$366
Auto-Owners	$3099	$522
Nationwide	$3624	$610
Farm Bureau	$3695	$629
Allstate	$5510	$918
Farmers	$3708	$618

Teen Car Insurance Rates in SD 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, American Family is the cheapest car insurance provider. At $148 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 Farmers, offering rates of around $2014 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$148	$25
Western National	$192	$32
Iowa Farm Bureau	$257	$43
Kemper	$295	$50
Farmers Mutual of Nebraska	$519	$87
Progressive	$796	$134
USAA	$1822	$310
Nationwide	$2328	$388
North Star Mutual	$2823	$480
Farm Bureau	$3644	$607
Auto-Owners	$4395	$747
State Farm	$5344	$891
Farmers	$2014	$342

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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, SD, 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 American Family and Western National, offering $179 and $205, respectively. Farmers is an expensive provider with an average six-month premium of $1726.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$179	$30
Western National	$205	$35
Kemper	$231	$39
Auto-Owners Insurance Co	$238	$40
North Star Mutual Insurance	$353	$58
State Farm	$552	$93
Farmers Mutual of Nebraska	$596	$100
Progressive	$738	$124
USAA	$777	$131
Auto-Owners	$1187	$200
Allstate	$1540	$257
Nationwide	$2130	$359
North Star Mutual	$2939	$489
Farm Bureau	$2983	$508
Farmers	$1726	$294

Hot Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hot Springs SD. For example, the car insurance in Hot Springs after a DUI increases to $937 for a six month policy. While the rate increases by $180 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	$1071	$178
One Med/PIP claim	$1071	$183
Not-at-fault accident	$1097	$183
Two Med/PIP claims	$1135	$193
One comp claim	$1142	$190
Failure to show documents	$1180	$201
Two comp claims	$1180	$197
Failure to wear a seat belt	$1213	$206
Child safety restraint	$1231	$205
Driving without lights	$1231	$210
Driving with expired registration	$1238	$206
Wrong way/wrong lane	$1238	$211
Cell phone violation	$1244	$207
Driving too slowly	$1244	$212
Texting while driving	$1244	$207
Failure to stop at a red light	$1251	$213
Failure to yield	$1251	$208
Following too closely	$1251	$213
Illegal turn	$1251	$208
Speeding 6 - 10 MPH over limit	$1251	$213
Improper passing	$1264	$211
Speeding 11 - 15 MPH over limit	$1270	$216
Speeding 16 - 20 MPH over limit	$1277	$213
Operating a vehicle without permission	$1309	$222
At-fault accident - less than $1000	$1322	$220
In 65 MPH zone	$1322	$225
Speeding in school zone	$1328	$221
Speeding 21 - 25 MPH over limit	$1360	$231
Passing school bus	$1418	$237
Open container	$1469	$249
At-fault accident - $1000-$2000	$1488	$248
At-fault accident - greater than $2000	$1488	$253
Driving with a suspended license	$1796	$299
Reckless driving	$1815	$309
Refusal to submit to a chemical test	$1918	$320
Racing	$1982	$337
DUI	$2008	$335
Leaving scene of an accident/hit and run	$2053	$349

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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 American Family at $173 for a six-month policy. However, it can be as expensive as $1815 with companies like Farmers.

Hot Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$173	$29
Western National	$192	$32
Progressive	$680	$114
Farmers Mutual of Nebraska	$853	$144
State Farm	$853	$144
USAA	$1501	$253
Auto-Owners	$1610	$271
Allstate	$1713	$292
Nationwide	$2810	$473
Farm Bureau	$4113	$699
North Star Mutual	$4908	$818
Farmers	$1815	$302

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 American Family at $173. However, it can be as expensive as $1899 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hot Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$173	$29
Kemper	$179	$30
Western National	$192	$32
Auto-Owners Insurance Co	$199	$33
Farmers Mutual of Nebraska	$295	$50
Progressive	$397	$67
State Farm	$397	$67
North Star Mutual	$507	$86
USAA	$629	$105
Auto-Owners	$1148	$195
Farm Bureau	$1257	$210
Nationwide	$1527	$259
Farmers	$1899	$316

Car Insurance Price Trends in Hot Springs, South Dakota

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 $183 in January compared to $179 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 remained steady at $32 in both January and December, 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 $18 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 $54 per month for full coverage.

How much is car insurance in Hot Springs for teenagers?

Car insurance for teenagers costs $166 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 $954 for a six-month policy. It will cost around $173 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, SD?

The best car insurance company in Hot Springs SD is American Family, offering $327 for a six-month policy.