Cheapest Car Insurance Quotes in Hot Springs

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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 $913 for a six-month policy, which is $68 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $423, 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

$913

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Hot Springs

1st place: Kemper

At $423 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $487 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $558 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 Kemper, offering policies at just $423 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $487.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1213 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
Kemper	$423	$70
Farmers Mutual of Nebraska	$487	$82
Auto-Owners Insurance Co	$558	$93
American Family	$744	$125
State Farm	$905	$152
Allstate	$1052	$177
USAA	$1058	$178
Auto-Owners	$1078	$184
Farmers	$1123	$189
Progressive	$1135	$191
Nationwide	$1180	$199
North Star Mutual	$1213	$206

Key Takeaways

Way's key takeaways about car insurance in Hot Springs

The auto insurance costs in Hot Springs fall around $423 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 $33 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 $116. North Star Mutual Insurance is the most expensive at $186 for the same period.

Cheapest Liability Coverage in Hot Springs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$116	$19
Kemper	$148	$25
USAA	$148	$25
American Family	$154	$26
Auto-Owners	$166	$28
North Star Mutual	$166	$28
Auto-Owners Insurance Co	$173	$29
Progressive	$173	$29
State Farm	$173	$29
Farmers	$288	$49
Nationwide	$353	$59
Allstate	$378	$65
North Star Mutual Insurance	$186	$31

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 Kemper at $70 per month and $423 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hot Springs, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$423	$70
Farmers Mutual of Nebraska	$487	$82
Auto-Owners Insurance Co	$558	$93
American Family	$744	$125
State Farm	$905	$152
Allstate	$1052	$177
USAA	$1058	$178
Auto-Owners	$1078	$184
Farmers	$1123	$189
Progressive	$1135	$191
Nationwide	$1180	$199
North Star Mutual	$1213	$206

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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, Kemper provides the cheapest car insurance in the Hot Springs at $36 per month. At $199 for a six-month premium, North Star Mutual Insurance offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$212	$36
Auto-Owners Insurance Co	$225	$38
Farmers Mutual of Nebraska	$667	$112
State Farm	$1283	$216
USAA	$1360	$229
American Family	$1752	$295
Farmers	$1931	$325
Progressive	$2014	$339
North Star Mutual	$2566	$436
Auto-Owners	$2675	$446
Nationwide	$3509	$591
Allstate	$5510	$918
North Star Mutual Insurance	$199	$33

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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $109 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 State Farm, offering rates of around $3561 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$109	$18
Western National	$192	$32
Iowa Farm Bureau	$257	$43
Kemper	$295	$50
American Family	$1026	$173
Progressive	$1091	$184
USAA	$1630	$271
North Star Mutual	$2008	$341
Farmers	$2014	$336
Nationwide	$2117	$360
State Farm	$3561	$593

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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 Western National and Kemper, offering $205 and $231, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $334.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$205	$35
Kemper	$231	$39
Auto-Owners Insurance Co	$238	$40
Farmers Mutual of Nebraska	$482	$81
State Farm	$494	$83
USAA	$738	$124
Progressive	$777	$131
Auto-Owners	$796	$134
Farmers	$969	$163
American Family	$1052	$177
Allstate	$1540	$257
Nationwide	$2021	$340
North Star Mutual	$2085	$348
North Star Mutual Insurance	$334	$57

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 Western National at $192 for a six-month policy. However, it can be as expensive as $3483 with companies like North Star Mutual.

Hot Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$192	$32
Farmers Mutual of Nebraska	$687	$116
State Farm	$712	$120
Progressive	$731	$123
Farmers	$1058	$178
American Family	$1155	$194
USAA	$1425	$240
Allstate	$1713	$285
Auto-Owners	$1739	$296
Nationwide	$2656	$447
North Star Mutual	$3483	$592

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 Farmers Mutual of Nebraska at $116. 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
Farmers Mutual of Nebraska	$116	$19
Kemper	$179	$30
Western National	$192	$32
Auto-Owners Insurance Co	$199	$33
State Farm	$334	$56
USAA	$500	$85
Progressive	$552	$93
North Star Mutual	$609	$104
American Family	$705	$119
Nationwide	$1617	$275
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 remained steady at $178 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 $32 in both December and November, 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 $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 $70 per month for full coverage.

How much is car insurance in Hot Springs for teenagers?

Car insurance for teenagers costs $212 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 $845 for a six-month policy. It will cost around $153 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 Kemper, offering $423 for a six-month policy.