Hot Springs Auto Insurance Rates, Quotes, Agents & Reviews in AR

Hot Springs, AR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Hot Springs, AR, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Hot Springs, AR are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Hot Springs, AR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Hot Springs, AR with that of other cities in and around Hot Springs.

Hot Springs Garland County Rockwell Whittington Lake Hamilton Piney
Average Insurance Rates $1,297 $1,239 $1,647 $1,520 $1,635 $1,519

Hot Springs, AR Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Hot Springs, AR based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Hot Springs $1,468 $1,240
Lake Hamilton $1,583 $1,337
Rockwell $1,573 $1,328
Piney $1,265 $1,068
Whittington $1,446 $1,221
Garland County $1,785 $1,508
Mountain Pine $1,380 $1,166
De Roche $1,127 $952

Hot Springs, AR Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Hot Springs, AR usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,209
20 Years $1,666
30 Years $1,284
40 Years $1,235
50 Years $1,144
60 Years $1,160
70 Years $1,350

Hot Springs, AR Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Hot Springs, AR can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,205 $389
3 Vehicles $3,307 $584
4 Vehicles $4,410 $778

Savings on 2 Vehicles bundle:$389

Savings on 3 Vehicles bundle:$584

Savings on 4 Vehicles bundle:$778


Hot Springs, AR Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Hot Springs, AR.

Location Average Insurance Cost Post DUI Insurance Rate
Hot Springs $1,297 $2,153
Lake Hamilton $1,635 $2,714
Rockwell $1,647 $2,734
Piney $1,519 $2,522
Whittington $1,520 $2,523
Garland County $1,239 $2,057
Mountain Pine $1,426 $2,367
De Roche $1,520 $2,523

Hot Springs, AR Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,113
Excellent (740-799) $1,270
Good (670-739) $1,351
Average (580-669) $1,763
Poor (300-579) $2,116

Hot Springs, AR Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Abi Insurance Agency Travelers 911 WEST GRAND AVENUE, HOT SPRINGS, 71913 501-624-8888
Kendall Hancock State Farm 2836 Malvern Ave Ste B, Hot Springs, 71901-8363 501-624-3236
Cynthia Rougeau State Farm 1420 Central Avenue, Hot Springs, 71901-6148 501-623-5555
Raymond Wright State Farm 315 Section Line Rd Ste E, Hot Springs, 71913-6479 501-525-9966
Larry Otwell Clu, Chfc State Farm 805 West Grand Avenue, Hot Springs, 71913-3528 501-321-1165
Alliance Ins Group Of Arkadelphia Inc Travelers 307-D CARPENTER DAM RD, HOT SPRINGS, 71901 501-623-4451
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Eric Parnell Farmers 400 N Bowman Rd Ste 29, Little Rock, 72211 (501) 823-3630

Hot Springs, AR Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$57 $1,354
Driver's Failure In Showing Documents +$126 $1,423
Driving With An Expired Registration +$134 $1,431
Driving At A Considerably Slow Pace +$281 $1,578
Using A Cellphone While Driving +$297 $1,594
Running A Red Light +$302 $1,599
Speeding +$318 $1,615
Driving A Vehicle Without The Required Permission +$403 $1,700
Driving With An Expired/Suspended License +$874 $2,171

Hot Springs, AR Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,245
Active Disabling Device $1,245
Tracking Device $1,219
Passive Disabling Device $1,206

Latest Auto Insurance Reviews in Hot Springs, AR | Back to Top

Safeco Insurance
The coverage between Safeco and State Farm is about the same, maybe a little worse, but the premiums are about $200 less per month.
State Farm
I have noticed recently that I could possibly get a better deal elsewhere but I continue to stay because they have been so great to me and it is easy with them.
State Farm
we are satisfied with what our policy is, specially because it is easy to reach out to our agent when we need additional support
Allstate
I feel like I wouldn't have to worry about some of the things that I do like not being informed of a break in with other companies. they don't have a game plan and are not ready for everything.
Cincinnati Insurance
Their policy offerings are easily comparable to others. They seem to have all the same possibility and policy permutations as everyone else.
Auto-Owners Insurance
I dislike being contacted on a monthly basis to hear about new services. I know what I want for insurance and I hate wasting time listening to information about a product I don't need.
State Farm
I have appreciated how quick and helpful they are however I am currently pursuing accident forgiveness or I will switch companies